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 company’s growth objectives and levers, driven by its 2028 strategy, are at the heart of the orientations of the Crédit Agricole Group’s medium-term plan: ACT 2028.
At the end of 2025, the self-funding rate of the Crédit Agricole Personal Finance & Mobility group stood at 81.2%. For the group, this figure is an assurance of being able to support its clients and partners in each of their projects.
Figures as at 31 December 2025
Since 2011, the Group has deployed a savings collection activity, in continuous growth and now present in 7 European countries.
In addition, the Group offers a fundraising service to institutional investors (via brokers) in Germany and to corporate investors in Italy.
Certain entities within the Crédit Agricole Personal Finance & Mobility group have debt issuance programs:
Ceiling: €6 billion
Presentation:
Securitization plays a major role in the Group’s external refinancing, as well as in building up reserves of ECB-eligible collateral and managing its regulatory capital.
Several entities participate:
As of the first quarter of 2026, the number of issuances of the CAPFM Group’s main programs is:
Based on an analysis conducted by Crédit Agricole Corporate & Investment Bank (CACIB), the CA Personal Finance & Mobility Group is projected to rank 4th (in terms of the number of transactions) among Eurozone issuers for public securitizations in the consumer credit segment by 2025, and 5th in terms of value.
In 2017, the Crédit Agricole Personal Finance & Mobility Group’s first Significant Risk Transfer (SRT) transaction was carried out by CA Auto Bank (formerly FCA Bank). CA Auto Bank also implemented other SRT transactions in 2024 and 2025. Furthermore, CACF NL and AGOS issued similar securitizations in 2019 and 2025, respectively.
The links below will take you to our subsidiaries’ websites where documents relating to their securitizations are available.
The links below allow you to access the ratings for the Ginkgo program by CACF S.A (France):