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Strategic Ambition 2020 – Priority 2

Strengthen the Group's growth dynamic in our core business lines

  • Core business lines

    1. Retail banking

    • Accelerate the pace of customer capture to support our leadership over the long-term, with three main ways of capturing individual customers: digital products and services, young customers and home loans.
    • Continue with cross-selling to our customers, in synergy with the specialised business lines, strengthening our position in consumer finance and further increasing cross-selling of property & casualty, death & disability and creditor insurance products.
    • Complete the digital transformation while controlling the cost base. 

     

    2. Savings Management and Insurance

    • Stronger revenue synergies between divisional entities and between the division and the rest of Group.
    • Investment in the growth of our business lines, including finding value-creating acquisitions, primarily in asset management and to a lesser extent in private banking.
    • A driving role in increasing the revenue of the Group and Crédit Agricole S.A. 

     

    3. Specialised financial services

    • A selective return to growth following several years subject to severe constraints, with further anchoring to the Group’s retail banksand selective, profitable growth in own activities.
    • Acceleration of our digital transformation in order to improve customer experience and satisfaction.
    • Adapting the model to capital and liquidity constraints.

     

    4. Large Customers

    • A CIB arm serving the Group, in particular supporting the development of the Regional Banks and Cariparma, particularly in the mid-corp segment.Une BFI au service du Groupe, avec notamment l’accompagnement du développement des Caisses régionales et de Cariparma, en particulier sur la clientèle des ETI
    • A CIB arm serving the Group, in particular supporting the development of the Regional Banks and Cariparma, particularly in the mid-corp segment.
    • A coherent Crédit Agricole CIB-CACEIOS entity bringing synergies on both a commercial and operational level.
      Desire to maintain a CIB arm with a cautious risk profile.

     

     

  • Strengthen intragroup revenue synergies

     

    8 Bn_synergies 2019

      

     

    « Strengthen the Group's growth dynamic in Italy »

    800 m_synergies italy

     

    Banking brands_italy

     

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