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Funding

At the end of 2022, the self-funding ratio of Crédit Agricole Personal Finance & Mobility Group stands at 77.2%. 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.

All about Crédit Agricole Personal Finance & Mobility funding

The Crédit Agricole Personal Finance & Mobility Group deploys various self-funding instruments as part of a policy of diversifying its financing resources: securitisation, repos, issue of NEU-CP, NEU-MTN, and EMTN, as well as an online deposit collection business.

 

Securitisation is now a major successful lever of external funding for the Crédit Agricole Personal Finance & Mobility Group:

 

  • deployed in most of the group’s entities, both in Europe and elsewhere in the world.
  • with a diversity of characteristics of the transactions carried out: public or private, static or revolving, with or without transfer of risk.

 

Repo transactions also help to strengthen the group’s liquidity ; these “secured” transactions are built from the securities hold from retained securitisations.

 

In France, CACF SA issues NEU-CP (formerly short-term certificates of deposit) as well as NEU-MTN (formerly medium-term marketable securities). CA Auto Bank in Italy issues Euro Medium Term Notes (EMTN) through its Irish branch.  

 

A deposit collection business, today conducted by several entities with institutionals and residents of various countries.

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