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.
Since 2011, the Group has deployed a savings collection activity, in continuous growth and now present in several European countries.
The different entities of the Crédit Agricole Personal Finance & Mobility group have debt issuance programs. Crédit Agricole Consumer Finance S.A., which operates under the name of Crédit Agricole Personal Finance & Mobility, has a Certificate of Deposit program and a medium-term marketable securities program (NEU-MTN). Furthermore, CA Auto Bank has a Euro Medium Term Note program in Ireland.
Ceiling: €6 billion
Presentation:
Securitisation plays a major role in the external refinancing of the Group, but also in building up ECB-eligible collateral reserves or managing its regulatory capital. Several entities are participating: in Italy with the subsidiaries CA Auto Bank – ex FCA Bank (A-Best Program – 2000), at Agos Ducato (Sunrise Program – 2006), securitisation has then been extended to France (Ginkgo Program – 2009), to the Netherlands (2010), to Germany (2011), to China (2014) and finally in Portugal (Thetis Program – 2015). Furthermore, Leasys has been present on the market through private securitisations since 2022.
According to the census conducted by Crédit Agricole Corporate & Investment Bank (CACIB), the CA Personal Finance & Mobility Group ranks 4th at the end of 2025 (in terms of number of operations) among issuers from the eurozone, for public securitisations of the consumer credit segment and in 5th place in amount.
It should be noted that the first SRT (Significant Risk Transfer) transaction in 2017 for the Crédit Agricole Personal Finance & Mobility group was carried out by CA Auto Bank (formerly FCA Bank). CA Auto Bank also set up a new SRT operation in 2025. Agos also set up a similar operation in 2025.
In the “Documents” tab, we provide you with the Management Report (of the Closing) and the final prospectus for each securitisation operation of CACF S.A.
Ratings – Ginkgo Program: