Publication date: 06-06-2025
Crédit Agricole is France’s largest retail-focused banking group and one of the biggest financial institutions in Europe, with total assets exceeding €2,3 trillion. In its domestic market, the group holds leading positions, accounting for 26% of deposits and 33% of mortgage lending. It is also the country’s largest provider of life and general insurance.
The group operates through a cooperative ownership model, in which customers are also shareholders via regional mutual banks. This structure reinforces internal stability: all member banks are legally bound to support one another, and the central unit—Crédit Agricole S.A. (CASA)—is responsible for capital and liquidity oversight.
Crédit Agricole’s activities are broad and diversified, covering retail banking in France and Italy, insurance, asset management (via Amundi), leasing, consumer finance, and investment banking. This mix helps balance pressures from specific segments like French retail margins, which have faced pressure due to high-regulated savings rates.
One of the key advantages of this senior preferred bond lies in Crédit Agricole’s capital structure. A large share of the bank’s liabilities—more than 19% of its tangible banking assets—consists of subordinated debt and junior deposits. These instruments are contractually ranked below senior preferred bonds like this one, offering an extra layer of protection for bondholders in case of losses.
as of 31.03.2025 EUR bn
| Column 1 | Column 2 | Column 3 | Column 4 | Column 5 | Column 6 |
|---|---|---|---|---|---|
| Assets | 2309,8 | Net interest income/Average assets | 3,7 % | Tier1 capital ratio | 13,4 % |
| Loan portfolio | 550 | Operating income | 10,4 | Return on Equity | 10 % |
| Equity | 83,3 | Net income | 7,1 | Cost/Income | 55 % |
All data and information is provided “as is” for informational purposes only, and is not intended for trading purposes or financial, investment, tax, legal, accounting or other advice. Please consult your broker or financial representative to verify pricing before executing any trade. Bondfish is not an investment adviser, financial adviser or a broker. None of the data and information constitutes investment advice nor an offering, recommendation or solicitation by Bondfish to buy, sell or hold any security or financial product, and Bondfish makes no representation (and has no opinion) regarding the advisability or suitability of any investment. Mention of specific financial products or operations does not constitute an endorsement by Bondfish.
The financial products or operations referred to in such data and information may not be suitable for your investment profile and investment objectives or expectations. It is your responsibility to consider whether any financial product or operation is suitable for you based on your interests, investment objectives, investment horizon and risk appetite. Bondfish shall not be liable for any damages arising from any operations or investments in financial products referred to within. Bondfish does not recommend using the data and information provided as the only basis for making any investment decision.
This data is not updated in real time and represents the prices available at the end of the previous trading day. Bondfish does not verify any data and disclaims any obligation to do so. Bondfish expressly disclaims the accuracy, adequacy, or completeness of any data and shall not be liable for any errors, omissions or other defects therein, delays or interruptions in such data, or for any actions taken in reliance thereon. Bondfish shall not be liable for any damages relating to your use of the information provided herein.
Past performance is not a reliable indicator of future results.