Rooted within the Crédit Agricole S.A. Group, Crédit Agricole Personal Finance & Mobility is a major player in consumer lending in France and Europe. The Group’s objectives and growth drivers are supported by Crédit Agricole Personal Finance & Mobility’s 2025 streategy, which is at the heart of the guidelines and objectives of 2025 Ambitions, the Crédit Agricole Group’s medium-term plan.
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At the end of 2024, the self-funding ratio of Crédit Agricole Personal Finance & Mobility Group stands at 85.7%. For the Crédit Agricole Personal Finance & Mobility Group, this figure is an assurance of being able to support its customers and partners in each of their projects.
Since 2011, the Group has deployed a savings collection activity, in continuous growth and now present in several European countries.
The various entities of the Crédit Agricole Personal Finance & Mobility Group have debt issuance programmes. Crédit Agricole Consumer Finance SA which operates under the name Crédit Agricole Personal Finance & Mobility has a Certificates of Deposit programme and a medium-term marketable securities (NEU-MTN) programme. FCA Bank has a Euro Medium Term Note programme in Ireland.
Ceiling: €6 billion
Within this range of financial instruments, securitisation is a major driver of external refinancing, but also to build up ECB-eligible collateral or to monitor its regulatory capital. Several entities have developed this technical expertise with a varied history: beginning in Italy with the subsidiaries of CA Auto Bank – ex FCA Bank (2000) and Agos Ducato (2006), securitisation spread to France (2009), Netherlands (2010), Germany (2011), China (2014), and then Portugal (2015).
According to JP Morgan, Crédit Agricole Personal Finance & Mobility Group is ranked first – in number of transactions – in the euro-denominated market for public securitisations (issued in 2021) of Consumer Loans and is ranked 3rd in terms of deals amount.
Note the Crédit Agricole Personal Finance & Mobility group’s first SRT (Significant Risk Transfer) transaction performed by CA Auto Bank (ex FCA Bank) in 2017.