International Presence

Subsidiaries

Crédit Agricole Consumer Finance worldwide

Europe

Germany

Creditplus Bank

Creditplus Bank is Germany’s fifth largest credit institution (excluding captive companies) at the end of 2010.

FGA Capital

Fiat Group Automobiles Financial Services, renamed FGA Capital in January 2009, is a 50/50 joint-venture set up in 2006 with Fiat Group Automobiles, our partner for the past 20 years. The new company manages financing operations for dealerships and customers of the Fiat, Lancia and Alfa Romeo marques.

Belgium

Finalia

Finalia is a finance company specialised in consumer credit, the partners of which arise from varied sectors. Finalia brings them means of development of the sales thanks to credit solutions adapted to the needs of their customers.

FGA Capital

Fiat Group Automobiles Financial Services, renamed FGA Capital in January 2009, is a 50/50 joint-venture set up in 2006 with Fiat Group Automobiles, our partner for the past 20 years. The new company manages financing operations for dealerships and customers of the Fiat, Lancia and Alfa Romeo marques.

Denmark

Dan Aktiv

Dan Aktiv is a specialist in point-of-sale financing for home equipment and vehicles, personal loans and borrower insurance.

Forso Nordic

Forso Nordic is a 50/50 joint venture between FCE Bank plc, the Ford group’s captive finance company in Europe, and Crédit Agricole Consumer Finance.


FGA Capital

Fiat Group Automobiles Financial Services, renamed FGA Capital in January 2009, is a 50/50 joint-venture set up in 2006 with Fiat Group Automobiles, our partner for the past 20 years. The new company manages financing operations for dealerships and customers of the Fiat, Lancia and Alfa Romeo marques.

Greece

Credicom Consumer Finance

On 31 December 2009 Crédit Agricole Consumer Finance acquired the 50% stake in Credicom Consumer Finance held by its historic partner, Emporiki Bank, thus becoming the single shareholder.

FGA Capital

Fiat Group Automobiles Financial Services, renamed FGA Capital in January 2009, is a 50/50 joint-venture set up in 2006 with Fiat Group Automobiles, our partner for the past 20 years. The new company manages financing operations for dealerships and customers of the Fiat, Lancia and Alfa Romeo marques.

Hungary

Credigen Bank

Created in 1998, Credigen is specialsed in the point-of-sale financing.

Italy

Agos Ducato

In 2009, just one year after the acquisition of Ducato, the company merged with Agos to form AgosDucato.

FGA Capital

Fiat Group Automobiles Financial Services, renamed FGA Capital in January 2009, is a 50/50 joint-venture set up in 2006 with Fiat Group Automobiles, our partner for the past 20 years. The new company manages financing operations for dealerships and customers of the Fiat, Lancia and Alfa Romeo marques.

The Netherlands

CA Consumer Finance Nederland BV

In July 2010 Crédit Agricole Deveurope was renamed Crédit Agricole Consumer Finance Nederland BV.

FGA Capital

Fiat Group Automobiles Financial Services, renamed FGA Capital in January 2009, is a 50/50 joint-venture set up in 2006 with Fiat Group Automobiles, our partner for the past 20 years. The new company manages financing operations for dealerships and customers of the Fiat, Lancia and Alfa Romeo marques.

Portugal

Credibom

A Portuguese specialist in consumer credit, Credibom is a major player in point-of-sale financing.

France

CA Consumer Finance

Crédit Agricole Consumer Finance, formed from the merger of Sofinco and Finaref on 1 April 2010, is a wholly-owned subsidiary of Crédit Agricole Group. Present in France principally via the Sofinco, Finaref and Viaxel trademarks, Crédit Agricole Consumer Finance offers a wide range of personal credit solutions and associated services across the full range of distribution channels: direct sale, point-of-sale financing (home equipment, vehicle markets), and partnerships.

FGA Capital

Fiat Group Automobiles Financial Services, renamed FGA Capital in January 2009, is a 50/50 joint-venture set up in 2006 with Fiat Group Automobiles, our partner for the past 20 years. The new company manages financing operations for dealerships and customers of the Fiat, Lancia and Alfa Romeo marques.

Finland

Finaref Nordic

Finaref Nordic is specialised in personal loans sales, mainly through a partnership with Redcats Nordic, and also in creditor insurance.

Forso Nordic

Forso Nordic is a 50/50 joint venture between FCE Bank plc, the Ford group’s captive finance company in Europe, and Sofinco.

Spain

FGA Capital

Fiat Group Automobiles Financial Services, renamed FGA Capital in January 2009, is a 50/50 joint-venture set up in 2006 with Fiat Group Automobiles, our partner for the past 20 years. The new company manages financing operations for dealerships and customers of the Fiat, Lancia and Alfa Romeo marques.

Austria

FGA Capital

Fiat Group Automobiles Financial Services, renamed FGA Capital in January 2009, is a 50/50 joint-venture set up in 2006 with Fiat Group Automobiles, our partner for the past 20 years. The new company manages financing operations for dealerships and customers of the Fiat, Lancia and Alfa Romeo marques.

Norway

Finaref Nordic

Finaref Nordic is specialised in personal loans sales, mainly through a partnership with Redcats Nordic, and also in creditor insurance.

.

Forso Nordic

Forso Nordic is a 50/50 joint venture between FCE Bank plc, the Ford group’s captive finance company in Europe, and Crédit Agricole Consumer Finance.

Poland

FGA Capital

Fiat Group Automobiles Financial Services, renamed FGA Capital in January 2009, is a 50/50 joint-venture set up in 2006 with Fiat Group Automobiles, our partner for the past 20 years. The new company manages financing operations for dealerships and customers of the Fiat, Lancia and Alfa Romeo marques.

Czech Republic

Credium

Credium rose to third place in its vehicle finance specialty.

Slovakia

Credium Slovakia

Credium acquired at the end of 2008 the Slovak OTP Leasing company which, at the beginning of 2009, was renamed " Credium Slovakia.

the United Kingdom

FGA Capital

Fiat Group Automobiles Financial Services, renamed FGA Capital in January 2009, is a 50/50 joint-venture set up in 2006 with Fiat Group Automobiles, our partner for the past 20 years. The new company manages financing operations for dealerships and customers of the Fiat, Lancia and Alfa Romeo marques.

Sweden

Finaref Nordic

Finaref Nordic is specialised in personal loans sales, mainly through a partnership with Redcats Nordic, and also in creditor insurance.

Forso Nordic

Forso Nordic is a 50/50 joint venture between FCE Bank plc, the Ford group’s captive finance company in Europe, and Crédit Agricole Consumer Finance.

Swiss

FGA Capital

Fiat Group Automobiles Financial Services, renamed FGA Capital in January 2009, is a 50/50 joint-venture set up in 2006 with Fiat Group Automobiles, our partner for the past 20 years. The new company manages financing operations for dealerships and customers of the Fiat, Lancia and Alfa Romeo marques.

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Other countries

Saudi Arabia

Sofinco Saudi Fransi

Sofinco Saudi Fransi, a joint subsidiary of Crédit Agricole Consumer Finance and BSF established in early 2007.

Morocco

Wafasalaf

Crédit Agricole Consumer Finance has held a stake in Wafasalaf since the company was founded in 1988.

China

GAC-SOFINCO AUTOMOBILE FINANCE CO., LTD.

 Guangzhou Automobile Company (GAC) and Crédit Agricole Consumer Finance launched in 2010 GAC-Sofinco Automotive Finance CO Ltd, which heads up financing activities for GAC's brands.

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