Summary of Crédit Agricole 2025 Capital Markets Day Company Overview - **Company**: Crédit Agricole (OTCPK:CRAR.F) - **Event**: 2025 Capital Markets Day - **Date**: November 18, 2025 Key Industry and Company Insights Ambitious Vision and Goals - Crédit Agricole aims to be a leading bank in Europe, leveraging its presence across multiple countries to act as a consolidator in the European banking market [2][3] - The bank's long-term ambitions include expanding its client base to 60 million customers and generating around 60% of revenues outside France [4][5] Strategic Focus Areas 1. **Technological Leadership**: - The bank aims to lead in new technologies to enhance security, efficiency, and personalized services [3] - Plans to innovate while maintaining a human touch in digital services [3] 2. **Universal Banking Model**: - The model is designed to cater to a wide range of clients, from individuals to large corporations, emphasizing democratization of financial solutions [4][8] 3. **Operational Excellence**: - Targeting a cost-income ratio below 55% to demonstrate efficiency and profitability [5] Growth Targets - **Client Base Expansion**: Targeting an increase to 60 million customers [4] - **Revenue Generation**: Aiming for 60% of revenues to come from outside France [4] - **Operational Efficiency**: Maintaining a cost-income ratio below 55% [5] Market Positioning - Crédit Agricole is the largest retail bank in France, with 32 million customers and a significant share of the mortgage market [11] - The bank plans to add 8 million new clients through enhanced digital services and customer engagement [12] Digital Transformation - The bank is focusing on digital touchpoints, with 11 million daily users of the Crédit Agricole app and 3.3 million for LCL [12] - A new three-tier relationship model is being introduced to cater to different client needs, from fully digital to high-touch services [16][17] Strategic Segments - **Youth Market**: Launching a mobile-first approach to attract younger clients [18] - **Affluent Customers**: Aiming to capture over 1 million affluent clients with exclusive investment solutions [20] - **Professional and SME Market**: Targeting an additional 1 million clients by addressing their entire value chain [21] - **Mid-Cap Companies**: Aiming to be the trusted banking partner for one-third of mid-cap companies in France [22] European Expansion - Crédit Agricole generates 40% of its revenue outside France, with plans to enhance its presence in Germany and other European markets [28][29] - Launching a digital platform for savings and deposits, targeting EUR 40 billion in savings by 2028 [29] Sustainability and Social Responsibility - The bank is committed to supporting transitions towards a low-carbon economy and aims for a green-to-brown financing ratio of 90-10 by 2028 [44][45] - Plans to retrofit 600,000 homes for energy efficiency by 2028 [46] Financial Strength - Crédit Agricole has a CT1 ratio of 17.6%, the highest among European banks, with a commitment to maintain it above 17% [71] - The liquidity position is solid, with LCR and NSFR ratios comfortably above regulatory requirements [72] Additional Important Insights - The bank's decentralized model fosters efficiency and quick adaptation to market changes [6] - Employee engagement is a key strength, with Crédit Agricole leading among French banks in this area [7] - The bank's commitment to innovation is reflected in its investment of over EUR 5 billion annually in technology [57] This comprehensive overview highlights Crédit Agricole's strategic ambitions, operational focus, and commitment to growth and sustainability in the evolving banking landscape.