Crédit Agricole in Poland

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.

CABP maintains a strong position in the consumer lending segment, but is clearly changing its profile towards a universal bank with significantly growing assets and reaching customers both through extensive branch networks and developed remote channels.

Crédit Agricole Group in Poland (CABP + EFL) is ranked 10th 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 (with leasing market share 9,5%), CA Assurances with CALI (life), CATU (non-life) and CACI (CPI), Amundi (investment funds).

In 2024 Bank recorded its highest-ever results and expects further growth in the coming years. This will be achieved through the continued expansion of its universal banking offer, growth across all business lines, strengthening customer relationships, and focusing on the key strategic products and segments (mortgage, affluent clients, agricultural markets and insurance).

• Highlights - Prizes and Awards
  • Customer satisfaction: 2nd place in Poland in terms of customers’ recommendations (Net Promoter Score).
  • Leader in acquiring accounts transferred from other banks.
  • 3rd place in the "Traditional Banking" category in the Friendly Bank ranking organized by Newsweek magazine.
  • 5 miejsce w ranking ESg Odpowiedzialne zarządzanie – to wywalić White Leaf Award for incorporating sustainable development and ESG into the company’s strategy and taking stakeholders’ voice into account in planned operations in the Polityka magazine ranking.
  • 169 cashless branches (43% of all branches) + one flagship branch in Warsaw which has been built with respect for the environment.
  • Credit Agricole among leaders of the energy transition in Poland with new credits eg. SLL, an eco-loan with an eco-bonus under the European Funds for a Modern Economy 2021-2027 (FENG) program, cooperation with KUKE, BGK.
  • Continued development of mobile app CA24 (in-app feature eg. charity transfer, parking tickets and bus fares).
  • SME: launch of an innovative hub for micro and small businesses to manage their day-to-day affairs Business Zone (Strefa Biznesu).
  • Great final of ODROdzenie campaign - after the ecological disaster on the Oder River, +50 K participants in #lessplastic campaign initiatives.
  • Donation to victims of flooding in southern Poland for Polska Akcja Humanitarna (together with other entities of Crédit Agricole Group in Poland).
  • Audience award in the “17 Goals” Responsible Film Festival competition for the film “Polskie Okawango” (Polish Okavango) produced by CABP and EFL.
  • 11 plain language certificats for CABP, including account agreements, regulations and intranet.
  • Remote sign language translation system implemented across the entire sales network and Contact Center.
• Ratings
  • Fitch: A+
    (Ratings as of the end of December 2024)

Continuing to build a universal relationship bank.

• Redesign and amplify all digital services with innovative and first-class features
• Investing in digital branding and marketing
• Strengthening partenerships
• Enrich offers, particularly with CAA and Amundi to increase customer equipment
• Complete banking offering for professionals and small businesses (with EFL)

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.

source : Insee FMI, ECO (Data at end 2020)