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Crédit Agricole in Poland

Crédit Agricole has been operating in Poland since 2001 where it holds leading positions in its two historical business lines - 1st player in consumer loans and leasing.



  • Credit Agricole Bank Polska (CABP)

    Crédit Agricole Bank Polska joined the Group in 2001 via the acquisition of Lukas Bank and is a leader in consumer credit. The bank has been operating under the Crédit Agricole brand since 2011, when the universal banking activity was launched, with the buyout of CACIB in 2013 and with the rollout of a sales network for high-end agri customers.

    As a universal bank, Crédit Agricole Bank Polska offers its solutions to individuals, farmers, agribusiness customers, small and medium enterprises, as well as international corporations. The bank’s products are available throughout a network of nearly 450 of its own and partner branches, 300 credit agents, and more than 12,000 partner points of sale, as well as via its CA24 telephone, online, and mobile banking services.


    The bank is a leader in Poland in offering a comprehensive range of financial and insurance products: current account, debit and credit cards, foreign currency accounts, a wide range of loans, savings, and investment funds, and insurance products.
    CA Bank Polska is the 15th bank in terms of assets and no. 12 in terms of net income (with EFL/leasing) in a banking market hit by increasing regulations and tax burdens, which is speeding up margin standardization in consumer credit and pushing towards a concentration of players.


    A bank that listens to its customers
    Crédit Agricole Bank Polska is currently focusing on technological innovations and digital solutions to make it easier for customers to access the bank’s services remotely, however, its primary focus is on the quality of its face-to-face customer service.

  • Key figures

    Poland: 38 million inhabitants






    1,5 M customers
    403 branches
    4,103 employees

    Total assets: 5.7 bn€



     Source: BPI/Fin – Data at 31/12/2019

  • Strategic approach

    The Bank's Medium Term Plan - New Impulse - focuses on initiatives that will enable CABP to meet the needs of its current customers, acquire new ones, and develop all business lines while becoming more efficient.
    CABP's plan to achieve these goals is called CARE.


    The strategic objectives of the bank are:

    • Maintain leading position in consumer credit by managing risks and adapting the distribution system to margin evolution;
    • Accelerate the pace of new customer acquisition in universal retail banking, while developing a high-performance model: lower breakeven point, a single information system, etc.
    • Optimize the banking operations – processes, innovation – and speed up the digital transformation


  • Governance



    Crédit Agricole Bank Polska Management

    • Jean-Bernard Mas – Crédit Agricole Group Senior Country Officer, Chief Executive Officer at CABP, and Senior Vice-Chairman of the Management Committee of CABP

    BPI Supervision

    • Stanislas Ribes - Head of BPI Supervision and Control
    • Véronique Maire - Supervision Head - Poland
  • Universal retail banking in Poland

    The Crédit Agricole Group has been operating on the Polish market since 2001. It serves:

    • individual customers,
    • micro, small and medium-sized enterprises,
    • large domestic and international corporations,
    • companies from the agricultural sector,
    • and individual farmers.


    The Group’s customers can choose from a wide range of daily banking (accounts, cards, deposit accounts, loans) and corporate and investment banking products. Crédit Agricole also offers financial services (leasing, factoring, fleet and real estate management) and insurance products such as car, property and life insurance.
    This comprehensive offering is possible thanks to synergies between all our companies: Crédit Agricole Bank Polska S.A., Europejski Fundusz Leasingowy S.A. and its subsidiaries (Carefleet S.A., EFL FINANCE S.A., EFL SERVICE S.A., Eurofactor Polska S.A.), Crédit Agricole Ubezpieczenia and Amundi Polska TFI.

    The Crédit Agricole Group’s strategy is reflected through the CA Group in Poland’s motto: ‘A whole bank just for you’, which stands for striving to fulfil all the customers’ needs in order to support them in pursuing their plans and provide them with the right solutions.

  • Key economic indicators







    Population (in millions)



    Population growth rate



    Nominal GDP (in USD billions)



    Real GDP growth, annual (%)



    Nominal GDP growth (%)



    GDP per inhabitant, current USD



    Inflation rate



    Unemployment (%)



    National saving rate



    Household savings rate



    Budget deficit/GDP (%)



    source : FMI, ECO / Crédit Agricole S.A (Data at end 2019)

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