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CA CF 2022 New Strategic plan

CA CF 2022, CA Consumer Finance’s new strategic plan, is fully integrated in Crédit Agricole Group’s mid-term plan 2022 and its long-term Group project presented last June. Building on its achievements, accelerating and expanding its initiatives, CA Consumer Finance embodies, with its new plan, the Crédit Agricole Group's “raison d'être” (purpose), "Working every day in the interest of our customers and society."

6 strategic orientations:

CA CF 2022 is organised around the three projects of the Crédit Agricole Group and three business projects.



Customer Project: CA Consumer Finance places its customers and those of its partners at the heart of its actions because their satisfaction is its priority.

Objective: be number one in customer recommendation.

To do this, CA Consumer Finance aims to offer the best customer experience, capitalising on its capacity for innovation and the potential of data. 



Social Project: As a responsible and committed company, CA Consumer Finance will continue to extend access to credit to all customers and offer them appropriate support. In particular, it will continue the personalised support it has provided since 2013 for its most vulnerable customers. CA Consumer Finance will expand its cooperation with innovative ecosystems, such as the Village by CA, and strengthen its presence in the Paris-Saclay innovation cluster. The company will support its customers' energy transition, whether it concerns their mobility or the equipment in their homes.

Objective: €1 billion in "green" financing granted in 2022.



Human Project: CA Consumer Finance will help its 9,540 employees in its 19 countries of operation to become even more committed to their customers and partners. The company will implement many actions to become a sustainable employer of reference, empower further its employees and digitalise its HR processes.

Objective: to raise the employee Engagement and Recommendation Index 2 points above the average for the financial sector in Europe. 



CA Consumer Finance will continue to support the growth of Crédit Agricole Group's retail banks in France, Italy, Morocco and Poland by strengthening its expertise, accelerating the digitalisation of its offers and proposing new innovative solutions that meet consumer expectations and are growth drivers for these banks.

Objective: to help Crédit Agricole's retail banks in France gain one percentage point in consumer credit market share by 2022.

At the same time, CA Consumer Finance will continue to grow its insurance business, supported by Crédit Agricole Assurances.



CA Consumer Finance will build on its latest achievements: launch its joint-venture business with Bankia in Spain, deploy the full power of its partnerships with Banco BPM in Italy and with Fiat Chrysler Automobiles. In parallel, the company will adapt its offers and develop new ones to meet new consumer trends (use vs. ownership, convergence of payments and financing). In the automotive financing market, CA Consumer Finance will complete its product offering and distribution channels to provide even better support to car manufacturers.

Target: 5 to 6 billion Euros of car rental outstandings. In e-commerce, CA Consumer Finance will launch new products and services that meet the needs of the players in this sector.



CA Consumer Finance aims to achieve operational excellence, controlled management of its scarce resources and increasingly diversified sources of refinancing. 

Objective: a cost/income ratio of less than 46%.


In line with Crédit Agricole Group's positioning, this new ambitious strategic plan, based on the engagement and expertise of our employees, will enable us to continue to work every day in the interest of our customers, our partners and society

Philippe Dumont Chief Executive Officer of CA Consumer Finance