• Text Size
  • Contrast

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)

    Joined the Group in 2001 via the acquisition of Lukas Bank, a leader in consumer loans. CABP has been operating under Crédit Agricole brand since 2011 with the launch of the Universal Banking activity followed by the buyout of CACIB in 2013 and the rollout of a sales network for high-end agri customers.

    The bank has maintained a strong position on consumer loans. Consumer loans account for more than 45% of the banking market revenues with a robust growth.

    Crédit Agricole Group in Poland (CABP + EFL) is ranked 11th by Total Asset. In recent years, the regulatory headwinds and bank levy accelerated the normalization of margin, especially on consumer loans, and led to market concentration resulting in a growing share of Polish banks.

    Other Group entities operating in Poland: EFL (MS leasing 7 %), CA Assurances with CALI (life), CATU (non-life) and CACI (CPI), Amundi since april 2014.

    Robust customer acquisition (+9%) coupled with growth of NBI by 4% in 2019 (w/o FX effect).

  • Key figures

    Poland: 38 million inhabitants






    1,5 M customers
    403 branches
    4,103 employees

    Total assets: 5.7 bn€




    • Launch of a mobile app to open an account (CAmobile24);
    • #3 Net Promoter Score in Poland and +55.000 active current accounts in 2019;
    • Leading position on leasing market (EFL);
    • New headquarters promoting environmental protection and innovation.

    Moody’s: Baa1 S&P: A-
    Fitch: A-

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

  • Strategic approach

    MTP 2022 Strategic ambition: strengthen the Universal Proximity Banking model on a growing market

    • Intensify customer acquisition with a focus on affluent and mass-affluent segments.
    • Develop a competitive and profitable model along with Group synergies.
    • Strengthen the consumer finance activity maintaining a prudent risk approach and adapting the distribution model to the evolution of margins. Develop a new car loans activity.
    • Develop the Agri/Agro and SOHO segments.
    • Increase operational efficiency investing in processes and innovation to speed up 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)