Credit Agricole Ukraine

What Credit Agricole Ukraine does

Credit Agricole Ukraine (AT «KREDI AHRIKOL BANK») is a universal bank operating in Ukraine as a wholly-owned subsidiary of Credit Agricole Group (France), a TOP-10 global bank by assets. Founded in 1993 with official NBU licensing in 2011, the bank serves retail, SME, corporate, and agribusiness clients through 137 physical branches nationwide and 380,000 customers. It is a systemically important bank per the National Bank of Ukraine (2025 classification) and holds the only ISO 9001 certification from Bureau Veritas for car lending in the country, with market leadership in automotive financing.

The bank operates a multi-channel digital platform: CA+ mobile app for retail customers (named best banking app by Ukrainian Fintech Award 2022), CA+ Pro for entrepreneurs with remote onboarding via Diia app or video call, and CORPEX for corporate internet banking. Core products include retail deposits, mortgages, cash loans, credit and debit cards (Visa/Mastercard with Apple Pay, Google Pay, Garmin Pay); SME products including revolving credit lines (UAH 16.5%, USD 8%, EUR 6.5% per annum), overdrafts, and salary projects; corporate services encompassing documentary operations, trade finance (leader per Euromoney 2026), financial leasing, and financial markets; plus specialized agricultural banking (50% of corporate portfolio) including machinery financing under the government 25% compensation program and the 5-7-9% subsidized lending initiative.

Revenue is generated primarily through net interest income from retail and corporate lending (auto loans, mortgages, agricultural financing, SME credit lines), transaction-based fee and commission income from payment services and trade finance, and deposit funding operations (rated No. 1 in bank deposit reliability three times by Standard-Rating). The bank's GTM combines direct relationship management for corporate and agribusiness clients, sales-led distribution via 137 branches, and product-led growth through digital onboarding for entrepreneurs and IT clients under the Code of Trust program. Current strategic priorities include the announced acquisition of Bank Lviv (March 2026) to strengthen western Ukraine presence, expansion of the digital product surface, and execution of the ACT 2028 group strategic plan.

Name

Credit Agricole Ukraine

Legal name

AT «KREDI AHRIKOL BANK» (JSC Credit Agricole Bank)

Website

https://credit-agricole.ua

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Credit Agricole Ukraine is a universal bank and subsidiary of Credit Agricole Group (France) serving retail, SME, corporate, and agribusiness clients through 137 branches and digital channels including the CA+ app, CA+ Pro, and CORPEX, with leadership in automotive and agricultural lending.

Ownership category

akta.pro rank

Product category

Universal Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211)

SIC

National Commercial Banks (6021), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industry

Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Retail banking services
• Corporate banking
• Agricultural lending
• Trade finance
• Mobile banking

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income - Retail Lending: The bank earns interest income from retail lending products including car loans (auto lending is a key business line and market leader), mortgages, cash loans, and credit cards. As the first automotive bank and leader in automotive lending in Ukraine, auto financing is a primary revenue driver.
2. Net Interest Income - Corporate & SME Lending: The bank generates interest income from credit lines, business development loans, working capital financing, and overdraft facilities for SMEs and corporate clients. The agricultural sector represents 50% of the corporate portfolio.
3. Agricultural Financing: Strategic partnership with agribusiness clients; the bank is the best bank for agricultural lending in Ukraine. Agricultural sector comprises 50% of the corporate portfolio. Revenue derived from financing agricultural operations, machinery purchases, and working capital.
4. Credit Line Fees and Commissions: Fees and commissions from revolving credit line facilities for business clients, including issuance commissions and lending fees.
5. Deposit Taking: The bank takes retail and corporate deposits, paying interest to depositors and using those funds for lending. The bank was rated No. 1 in bank deposit reliability (three times) by Standard-Rating.
6. Trade Finance: The bank is a leader in trade finance per Euromoney 2026 survey, providing services including documentary credits, letters of credit, bank guarantees, and avalization of bills for international trade clients.
7. Fee and Commission Income: Income from payment services, account maintenance fees, card transaction fees, currency exchange, insurance referrals, and financial markets services.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels8 records

Core offering

Credit Agricole Ukraine is a universal international bank that provides a full spectrum of banking services to retail customers, private entrepreneurs, SMEs, corporate clients, and agribusinesses. It delivers deposit products, consumer and business lending (including auto loans, mortgages, credit lines, and overdrafts), trade finance and documentary operations, payment cards, digital banking via the CA+ mobile app, CA+ Pro for entrepreneurs, and CORPEX for corporates, and specialized agricultural financing, distributed through 137 branches and digital channels across Ukraine.

Product overview

Credit Agricole Ukraine operates as a universal international bank offering a comprehensive multi-channel banking platform across retail, premium, SME, corporate, agricultural, and international business segments. The core digital banking infrastructure consists of the CA+ mobile app for retail customers, CA+ Pro for entrepreneurs, and CORPEX for corporate clients. The bank provides deposit and lending products (automobile loans, credit lines, term deposits, overdraft facilities), payment services (cards, wallets, transfers), trade finance, documentary operations, financial leasing, and specialized agricultural banking with 50% of corporate portfolio in agribusiness. The product architecture follows a platform model with segment-specific solutions built on shared infrastructure, including the We Care! CSR initiative and various government program integrations (5-7-9% subsidized loans, 25% equipment compensation programs).

Differentiator

Problem solved

Functional benefit

Brands

• CA+ (СА+): Mobile banking application offering digital cards, currency exchange, utility payments, and account management for retail customers. Recognized as best banking app according to Ukrainian Fintech Award 2022.
• CA+ Pro
• Code of Trust
• We Care!
• CORPEX

Products and services

• CA+ Mobile App Mobile banking application for retail and premium individual customers providing account management, money transfers, currency exchange, mobile savings, deposit management, credit card access up to 250,000 UAH, cash loans up to 500,000 UAH, biometric login, and Apple Pay/Google Pay/Garmin Pay integration.
• CA+ Pro Online Banking for Entrepreneurs Dedicated online banking platform for private entrepreneurs (FOP) and small business owners enabling remote account opening, UAH and FX multi-currency account management, daily banking operations, money transfers, currency exchange, qualified electronic signature issuance, and multi-cabinet access for accountants.
• CORPEX Corporate Internet Banking Client-bank internet banking system for legal entities and large corporate clients providing business account management, payment processing, cash flow management, liquidity management, financial operations control, and document handling.
• Car Loans (Auto Lending) Automobile financing for new and used vehicles for retail customers, processed through partnered dealerships. Credit Agricole Ukraine is the market leader in automotive lending in Ukraine and the only bank holding ISO 9001 certification (Bureau Veritas) for its auto lending process.
• Business Credit Line Revolving credit line facility for business clients financing current operations, working capital, and inventory purchases. Available in UAH (16.5% p.a.), USD (8% p.a. for FX revenue clients), and EUR (6.5% p.a. for FX revenue clients), with flexible tranche issuance and full repayment at end of credit period.
• Term Deposit 'Strokovy' (Строковий) Term deposit product for retail and business clients with terms of 1-18 months in UAH, USD, and EUR. UAH interest rates range from 6.5% to 7.5% per annum; minimum opening balance 50,000 UAH or 2,000 USD.
• Business Deposit 'Vilny' (Вільний) On-demand business deposit without term restrictions, paying 3% annual interest in UAH with a 10,000 UAH minimum opening balance. Clients can freely deposit and withdraw without commission; interest is paid monthly to current account.
• Deposit 'Fruitful' (Врожайний) for Entrepreneurs Savings deposit product targeted at private entrepreneurs with favorable terms aligned with agricultural business cycles, supporting working capital and seasonal cash management needs.
• State Program Loans 5-7-9% Government-subsidized lending program offering loans at 5%, 7%, or 9% annual rates to small and medium businesses and the agricultural sector under the 'Accessible Loans 5-7-9%' state initiative.
• Business Overdraft Business overdraft facility allowing temporary coverage of account shortfalls for operational liquidity and stability for SMEs and corporate clients.
• Documentary Operations Trade finance services for business clients including issuance of bank guarantees, bill avalization, documentary letters of credit, and documentary collections supporting domestic and international commercial transactions.
• Financial Leasing Equipment and vehicle leasing solutions for businesses, including partner programs and subsidized 5-7-9% leasing options to support business development and equipment acquisition.
• Agricultural Business Banking Specialized banking platform for the agricultural sector covering agricultural deposits, financing for agricultural machinery, working capital loans, 25% state compensation programs on equipment purchases, and sustainable finance. The agricultural sector represents 50% of the bank's corporate portfolio.
• Code of Trust (IT Solutions) Holistic banking solution for IT entrepreneurs, freelancers, and IT companies providing remote account opening (via Diia app or video call), IT-specific tariffs, multi-currency accounts, FX services, international payment support, and access to Credit Agricole Group's cross-border banking services.
• International Corporate Banking Comprehensive banking services for international and large corporate clients including corporate banking, salary projects, electronic banking, financial markets services, investor services, and trade finance operations, leveraging the Credit Agricole Group's global network.
• Trade Finance Operations International trade financing services enabling cross-border transactions and documentary operations for corporate clients, supported by Credit Agricole Group's correspondent banking network. The bank was ranked leader in trade finance per Euromoney 2026.
• Salary Projects (Зарплатний проєкт) Corporate payroll services for businesses including salary card issuance, employee lending within the salary project framework, and related banking services.
• Corporate Cards Business payment cards issued to corporate clients for expense management, travel, and operational payments, integrated with corporate accounts.
• Insurance Products (Bancassurance)

Quantifiable outcome

• 80% of agricultural customers retained over 5 years; nearly half over 10 years
• +4 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core, major and minor.

• Bank LvivcoreStrategic or Co-development Partner · 11 March 2026Credit Agricole Ukraine signed an agreement to acquire up to 100% of Bank Lviv, a western Ukraine-based regional bank focused on SMEs and agricultural clients. The transaction requires approval from the National Bank of Ukraine and Antimonopoly Committee of Ukraine, expected to close by mid-2026. The acquisition aims to strengthen Credit Agricole's presence in western Ukraine and expand its SME and agricultural banking sectors.
• Your Support Charitable Foundation (БФ «ТВОЯ ОПОРА»)coreOthersYour Support charitable foundation partners with Credit Agricole to execute charitable initiatives under the We Care! CSR program. The foundation has helped channel over UAH 190 million in charitable donations, primarily for medical equipment for hospitals. Joint projects include support for the Kyiv Regional Perinatal Center (over UAH 50 million) and the National Institute of Traumatology and Orthopedics (UAH 1.1+ million ultrasound device).
• Mastercard (Payment Network)majorGTM or Marketing PartnerCredit Agricole issues Mastercard credit and debit cards including World Mastercard, Premium packages, and Business cards. Joint marketing includes the Mastercard Bilshe loyalty program, Priceless Surprises campaigns, and co-branded promotional activities. The bank has run joint campaigns with Mastercard including Cannes Film Festival promotions and premium shopping experiences.
• Visa (Payment Network)majorGTM or Marketing PartnerCredit Agricole issues Visa credit and debit cards and participates in joint marketing campaigns including free shipping promotions for Visa cardholders and premium cardholder experiences.
• International Credit Agricole Regional Banks (Donor Banks)majorStrategic or Co-development PartnerAbout ten regional banks within the international Credit Agricole Group serve as donors to Ukrainian charitable initiatives. The team in Ukraine, in cooperation with charity organizations, oversees the realization of these cross-border CSR programs. The largest initiative was support for the Kyiv Regional Perinatal Center involving four institutions within the international Group.
• Government of Ukraine (5-7-9% Affordable Lending Program)majorStrategic or Co-development PartnerCredit Agricole participates in the government-backed 'Accessible Loans 5-7-9%' program providing subsidized small business loans. The bank also supports government compensation programs for agricultural machinery and equipment purchases (25% compensation). These programs enable the bank to reach SME and agribusiness clients with subsidized financing.
• Bureau VeritasminorOthersInternational certification body that awarded Credit Agricole Ukraine the ISO 9001 certificate for car lending — the only bank in Ukraine to hold this certification, demonstrating process quality in its automotive lending operations.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• FUIB (First Ukrainian Investment Bank): Universal Ukrainian bank with strong digital banking platform (PUMB Online) and focus on retail, SME, and corporate clients. Comparable as a mid-sized universal bank competing for similar customer segments with strong digital capabilities.
• PrivatBank: Ukraine's largest universal bank serving retail, SME, and corporate clients through an extensive national branch network and dominant digital banking platform (Privat24). Directly comparable as a universal commercial bank operating across the same customer segments in Ukraine, though materially larger in scale.
• Oschadbank: State-owned savings bank and one of Ukraine's largest universal banks, serving retail, SME, and corporate clients with a nationwide branch network. Directly comparable as a systemically important universal bank in Ukraine, with similar segment breadth though state-backed funding advantages.
• UkrSibbank: Ukrainian subsidiary of BNP Paribas (France), operating as a universal bank serving retail, SME, and corporate clients. Comparable as another foreign-owned (French) universal bank in Ukraine with similar corporate banking and digital capabilities.
• Raiffeisen Bank Ukraine: Ukrainian subsidiary of Austrian Raiffeisen Bank International, operating as a universal bank serving corporate, SME, and retail clients. Closely comparable as a foreign-owned universal bank in Ukraine with similar corporate/SME focus and parent group backing.
• Pivdenny Bank: Universal Ukrainian bank headquartered in Odesa with strong corporate, SME, and agribusiness focus. Comparable as a Ukrainian universal bank with similar agribusiness specialization and southern regional exposure.
• Sense Bank: Universal commercial bank in Ukraine (formerly Alfa-Bank Ukraine) serving retail, SME, and corporate clients. Comparable as a mid-sized universal bank with similar segment breadth and digital banking focus in the Ukrainian market.
• OTP Bank Ukraine: Ukrainian subsidiary of Hungarian OTP Group, operating as a universal bank with strong retail, SME, and corporate banking. Comparable as a foreign-owned universal bank in Ukraine with similar segment focus and cross-border parent backing.

Emerging players

• Bank Lviv: Regional Ukrainian bank focused on SME and agricultural clients in western Ukraine, currently subject to a pending acquisition by Credit Agricole Ukraine. Comparable as a smaller bank with overlapping SME and agribusiness focus, now part of the same franchise post-acquisition.

Broad incumbents

• Credit Agricole Group (France): Parent company and one of the TOP-10 largest banks globally by assets, with leadership in European retail banking, asset management, and bank assurance. Comparable as the parent providing capital, brand, technology, and cross-border banking capabilities to the Ukrainian subsidiary.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CreditAgricoleUkraine

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Agricole Ukraine