52 MILLION CUSTOMERS 49 COUNTRIES 10 BUSINESSES 2017 KEY FIGURES
PROFILE A WHOLE BANK JUST FOR YOU Crédit Agricole serves 52 million customers worldwide, with customer focus, accountability and community support, the enduring values that have been its hallmark for 120 years. Led by its 139,000 engaged employees, the bank forges genuine partnerships with its customers. Thanks to its universal customer-focused banking model based on close cooperation between its retail banks and its specialised business lines reaffirmed by its A whole bank just for you brand signature, Crédit Agricole helps its customers to realise all their personal and business projects. It does so by offering them an extensive range of services consisting of day-to-day banking, loans, savings products, insurance, asset management, real estate, leasing and factoring, corporate and investment banking, and issuer and investor services. Crédit Agricole s corporate social responsibility policy lies at the heart of its identity. This is reflected in its products and services and informs the actions of all its business lines. This commitment is a key factor contributing to overall performance and a powerful innovation driver. Built on strong cooperative foundations and led by its 9,7 million mutual shareholders and more than 30,000 directors of its Local and Regional Banks, Crédit Agricole s robust organisational model gives it stability and staying power as a European group open to the wider world. Crédit Agricole Group extends its leadership year after year. It is the number one provider of financing to the French economy and the number one insurer in France. It is also the leading bancassurer in Europe, the top-ranked European asset manager and the world s largest green, social and sustainability bonds bookrunner. 52m CUSTOMERS 49 COUNTRIES 139,000 EMPLOYEES 9.7m MUTUAL SHAREHOLDERS 30,000+ DIRECTORS OF LOCAL AND REGIONAL BANKS
THE UNIVERSAL CUSTOMER-FOCUSED BANK RETAIL BANKING 39 REGIONAL BANKS OF PAYMENT SERVICES PAYMENT SYSTEMS ASSURANCES Savings, Life, death and disability, creditor and property/casualty insurance SPECIALISED BUSINESS LINES AMUNDI Asset management FRENCH RETAIL BANKING 52 MILLION CUSTOMERS INDIVIDUALS, FARMERS, SMALL BUSINESSES, LOCAL AUTHORITIES, INSTITUTIONALS, CORPORATES ASSET GATHERING INDOSUEZ WEALTH MANAGEMENT Wealth management IMMOBILIER Global real-estate operator LCL SPECIALISED FINANCIAL SERVICES CONSUMER FINANCE Consumer finance BFORBANK INTERNATIONAL RETAIL BANKING LARGE CUSTOMERS LEASING & FACTORING Lease financing and factoring ITALIA - CA BANK POLSKA - CA EGYPT - DU MAROC - CA UKRAINE - CA ROMANIA - CA SERBIA CACEIS Securities and investor services CIB Corporate and investment bank Other specialised subsidiaries: Crédit Agricole Capital Investissement & Finance (Idia, Sodica), Uni-éditions
2017 PERFORMANCES FINANCING OUR CUSTOMERS PROJECTS THE LEADING PARTNER OF THE FRENCH ECONOMY AND ONE OF THE LARGEST BANKING GROUPS IN EUROPE MANAGING OUR CUSTOMERS SAVINGS No. 1 EUROPEAN ASSET MANAGER AND No. 1 BANCASSURER IN EUROPE 12.2% 620bn YEAR-ON-YEAR OF LOANS OUTSTANDING IN RETAIL BANKING 6.9% YEAR-ON-YEAR TOP 3 IN CONSUMER FINANCE IN EUROPE - 83BN MANAGED LOAN BOOK No.2 IN PROJECT FINANCING IN THE EMEA* ZONE AMOUNTING TO MORE THAN $3.9BN 3.7bn ASSETS MANAGED IN PRIVATE EQUITY IN FRANCE 1,868bn ASSETS UNDER MANAGEMENT O/W 279bn MANAGED IN SAVINGS/RETIREMENT PRODUCTS O/W 168bn SRI ASSETS UNDER MANAGEMENT FINANCING THE ENERGY TRANSITION EMPLOYEES COMMITTED TO SERVING OUR CUSTOMERS PROJECTS 27 gigawatts OF ELECTRIC PRODUCTION OF RENEWABLE ENERGIES FINANCED TO HELP POWER 139,000 EMPLOYEES 12m FRENCH HOUSEHOLDS 75% IN FRANCE 71bn IN GREEN FINANCING IN SUPPORT OF THE ENERGY TRANSITION 25% REST OF THE WORLD SUPPORTING OUR CUSTOMERS ON A DAILY BASIS MORE THAN 11,000 BRANCHES IN 8 COUNTRIES 19m BANK CARDS IN CIRCULATION MORE THAN 3m COLLECTED FOR RECYCLING 12.7m PROPERTY AND CASUALTY INSURANCE CONTRACTS 48bn IN FACTORING REPRESENTING 3.1M INVOICES HANDLED *EMEA: Europe, Middle East and Africa.
ORGANISATION THE GROUP The Crédit Agricole Group includes Crédit Agricole S.A., all the Regional Banks and Local Banks and their subsidiaries. 9.7m mutual shareholders 2,447 Local Banks CCA/CCI Sacam Mutualisation Fédération nationale du Crédit Agricole (FNCA) 100% 25% Political links 39 Crédit Agricole Regional Banks jointly hold the majority stake in Crédit Agricole S.A. (1) Other shareholders Institutional investors 31.9% Individual shareholders 7.4% Employee share ownership plans (ESOP) 4.0% Treasury shares 0.1% 56.6% 43.4% ASSET GATHERING RETAIL BANKING SPECIALISED FINANCIAL SERVICES LARGE CUSTOMERS Banque de proximité à l international : Italia Polska Egypt Ukraine Romania Serbia Business lines and specialised subsidiaries (1) Through SAS Rue La Boétie. Crédit Agricole Regional Bank Corsica is 99.9% owned by Crédit Agricole S.A. and is a shareholder of Sacam Mutualisation.
2017 FINANCIAL PROFILE Commercial activities In billions of euros GROUP S.A. GROSS LOANS 906.8 465.0 CUSTOMER DEPOSITS (1) 998.4 714.4 (1) Including debt securitie. Annual results In billions of euros GROUP S.A. REVENUES 32.1 18.6 GROSS OPERATING INCOME 11.2 6.4 NET INCOME 7.0 4.2 NET INCOME GROUP SHARE 6.5 3.6 TOTAL EQUITY In billions of euros 102.3 5.4 Crédit Agricole Group 58.1 6.7 Crédit Agricole S.A. Group share A Positive S&P GLOBAL RATINGS 64.8 Minority interests Financial structure SOLVENCY RATIOS, FULLY LOADED In percentage Crédit Agricole Group Tier 1 ratio Long term and CSR ratings as at 31/12/2017 A1 107.7 Stable MOODY S IDENTITY CARD A+ Stable FITCH RATINGS Crédit Agricole S.A. shares (ACA) are listed on Euronext Paris, compartiment A, Isin code: FR0000045072. The stock-market capitalisation at-end 2017 is 39.3 billion (2,846,104,526 shares multiplied by closing price at 13.8). Global solvency ratio Crédit Agricole S.A. share @Credit_Agricole AA (Low) Stable DBRS Crédit Agricole S.A. STOCK MARKET AND CSR INDEXES The shares are part of several indices: CAC40, Stoxx Europe 600 Banks and FTSEurofirst 80; and also in the main international sustainability indexes: NYSE Euronext Vigeo Eiris, France 20, Europe 120, Eurozone 120, and World 120, FTSE4Good and ESG Stoxx Leaders. Groupe Crédit Agricole Ratio Common Equity Tier 1 www.credit-agricole.com www.creditagricole.info Head office: 12 place des États-Unis 92127 Montrouge cedex - France. Crédit Agricole S.A. A French limited company with a share capital of 8,538,313,578 euros RCS Nanterre Trade and Company Registry no. 784 6608 416. 14.9 15.8 18.2 11.7 13.4 A- A CDP 17.4 MSCI Ref. 2.7376.7 DCF/18 Consulting, design & production: Photo: Pierre-Olivier / Capa Pictures / Crédit Agricole Printed by: ANR Services Epône