We position ourselves at the heart of the projects of our 51 million customers across 47 different countries.

Our business lines support our clients’ investment and environmental protection projects. These clients include multinationals, SMEs, farmers, artisans, associations, communities, families and individuals.

We establish with them a relationship based on trust, openness and loyalty. 

Read the integrated report

2018/2019 integrated report

Did you know ?

We are a retail bank because we continue to rely on the strength of our local network, but also because we adapt to changes in customer trends. We provide straightforward, independent advice, offering both the best digital services and the expertise of your own personal advisor.

We work hard every day to create a new banking experience that is both 100% digital and 100% personal.

Each of our customers can choose their preferred means of contact with their advisor, evaluate their needs or monitor their transactions at any time, whether online, on smartphones and tablets, by phone or in branch.

We have always fostered an environment of transparency and trust, just for you.

Transparency, closeness to our customers, accountability and openness: these are the values that have guided us for more than 120 years.

Our business lines put us right at the heart of the lives and projects of our customers and of society as a whole, which bestows upon us great responsibility. We make sure the value we create is shared fairly and sustainably with our customers, members, shareholders, employees and partners

These are also the values that drive us internally, in each Group company, in both intra-Group relations and our dealings with you. They are reflected in our corporate governance, which is based on both the Group’s tradition of mutualist values and the rules applied by large listed European companies.

Preparing for the future, just for you

Since our future is intertwined with that of our customers and partners, in the form of Strategic Ambition 2020 we have created a strong medium-term plan to meet the needs of all our stakeholders in a changing and challenging environment.

In order to implement the plan, which sets out our priorities for the future, we will rely on our strengths: a solid mutual and cooperative structure; a universal retail banking model both in France and internationally; powerful specialist business lines, a prudent risk profile, sector leadership consolidated year upon year, expert staff and a firm commitment to corporate social responsibility.

This plan also reflects the culture of the Group. Client focus, which enables us to combine all our businesses and activities to respond to the needs of all our customers or offer global solutions.

Community focus, which is part of our DNA and at the forefront of how we think about new relationship methods and new ways of managing people’s assets.