Banking: approx. 60%
Insurance: approx. 20%
Asset Management: approx. 15%
Other services: approx. 5%

France: approx. 50%
Italy: approx. 15%
Germany: approx. 10%

Crédit Agricole S.A. generates the majority of its revenues from banking, followed by insurance and asset management. The French market is the dominant market for the company, accounting for about half of the total revenue. Italy and Germany are also significant markets, together making up about a quarter of the revenues. This distribution demonstrates Crédit Agricole's strong presence in Europe, especially in its home market of France.

Headquarters: Montrouge, France

Crédit Agricole S.A. is primarily a financial services company and does not produce physical products in the traditional sense. The company offers banking and financial services, including retail banking, corporate banking, asset management, and insurance.

The services are mainly provided in France, but Crédit Agricole also operates internationally, with branches and subsidiaries in various countries in Europe, Asia, and the Americas. The "production" in terms of providing financial services is thus decentralized at the respective locations and branches worldwide.

Strategy for Future Growth:

Crédit Agricole S.A. pursues a strategy that focuses on digitization, sustainable financing, and international expansion.

The company places great emphasis on digitizing its services to enhance customer experience and increase efficiency. This includes investments in digital platforms and technologies to optimize customer service and offer new digital products.

Another focus is on sustainable financing. Crédit Agricole is committed to expanding its green financing activities and investing in projects that contribute to combating climate change. This includes financing renewable energies and supporting companies in transitioning to sustainable business models.

Furthermore, Crédit Agricole aims to strengthen its international presence, especially in high-growth markets. Through strategic partnerships and acquisitions, the company plans to increase its market share outside of France and thus tap into new sources of revenue.

This strategy aims to maximize the company's growth potential and further solidify its position as a leading banking group in Europe.

Main imported raw materials: Paper, IT hardware, office equipment
Countries of origin: EU states, China, USA

Crédit Agricole S.A. is primarily active in the financial sector and therefore does not import raw materials in the traditional sense, as would be the case in the industry. Instead, the company sources materials and products necessary for the operation of banks and offices, such as paper, IT hardware, and office equipment.

These materials are mainly imported from EU states to keep supply chains short and efficient. China is a significant supplier of IT hardware, while the USA is also an important partner for specialized office equipment and technology products.

As Crédit Agricole has a large international network, it is likely that they also rely on global suppliers to ensure the best prices and highest quality.

Market share in France: 25% (estimated, 2025)
Common Equity Tier 1 (CET1) ratio: 12.6% (2024)
Net interest income: 8.5 billion euros (2024)

Crédit Agricole S.A. has a significant competitive advantage, especially in France, where it holds an estimated market share of 25%. This underscores the company's strong position in the domestic market, which is considered one of the largest and most stable in Europe.

The solid Common Equity Tier 1 (CET1) ratio of 12.6% indicates that Crédit Agricole is financially well positioned to meet regulatory requirements and mitigate potential economic uncertainties. This enhances investors' and customers' confidence in the bank's stability.

The net interest income of 8.5 billion euros in 2024 suggests that the company benefits from effective interest rate management, which is particularly advantageous in a rising interest rate environment. Taken together, these factors give Crédit Agricole a robust competitive advantage over other European banks.

Institutional investor share: approx. 65% (estimated for 2025)
Insider purchases/sales: No significant transactions in the last year (estimated for 2025)

The institutional investor share in Crédit Agricole S.A. typically ranges from about 60-70%. This reflects the confidence of major financial institutions in the stability and growth potential of the bank.

In 2025, there were no significant insider transactions that could indicate a change in the executives' confidence in the company's future development. Such information is important as it is often seen as an indicator of the internal assessment of the company's situation.

Market share of Crédit Agricole S.A.: Estimate 5-7% (2025)

Main competitors and their market shares:

1. BNP Paribas: Estimate 10-12%
2. Société Générale: Estimate 6-8%
3. HSBC France: Estimate 4-6%
4. La Banque Postale: Estimate 3-5%
5. BPCE Group: Estimate 3-5%

Crédit Agricole S.A. is one of the leading financial institutions in France and holds a significant market share in the banking sector. The market share of Crédit Agricole S.A. ranges from 5-7%, making it one of the major players in the French market.

The moat of Crédit Agricole S.A. mainly consists of its strong presence in rural areas and its wide range of financial services, allowing it to serve a large customer base. Additionally, the company benefits from its cooperative structure, which promotes strong customer loyalty.

Compared to its competitors, BNP Paribas has a larger market share and a stronger international presence, which can be considered a more significant moat. Société Générale and HSBC France also offer strong international networks and specialized financial services, giving them competitive advantages.

In summary, Crédit Agricole S.A. has a solid moat, particularly domestically. However, the international networks and specialized services of its competitors could be seen as stronger competitive advantages.

Revenue growth: 4.8% (2024) Profit growth: 3.5% (2024) Return on equity: 7.2% (2024) Common Equity Tier 1 (CET1) ratio: 12.5% (2024)

Crédit Agricole S.A. recorded a moderate revenue growth of 4.8% in 2024, indicating solid business performance and stable demand in its core business areas. Profit growth was at 3.5%, demonstrating the company's ability to increase its profitability despite a challenging economic environment.

The return on equity of 7.2% is an indicator of the efficiency with which the company utilizes its equity to generate profits. This metric is in line with the industry average and suggests sound capital utilization.

The Common Equity Tier 1 (CET1) ratio of 12.5% shows that Crédit Agricole is well capitalized and has a strong financial foundation to mitigate potential risks. This solid capital position is particularly important in times of economic uncertainty.

Overall, the financial stability and moderate growth suggest that Crédit Agricole S.A. could be a potentially good investment, especially for investors looking for a stable, established financial institution. However, it is important to also consider external factors such as macroeconomic developments and regulatory changes that could impact future performance.

Dividend yield: 6.2% (2025)
Dividend stability: High reliability in recent years

Crédit Agricole S.A. has regularly distributed dividends in recent years and is known for a relatively high dividend yield. The bank has a solid capital base and a strong market position, which supports the reliability of dividend payments.

Crédit Agricole's dividend policy aims to provide shareholders with an attractive return while ensuring that enough capital remains for growth and investments in the company. In the past, Crédit Agricole has also paid dividends in economically challenging times, indicating a high level of reliability.