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At the end of 2022, the self-funding ratio of CA Consumer Finance Group stands at 77.2%. For the CA Consumer Finance Group, this figure is an assurance of being able to support its customers and partners in each of their projects.

All about CA Consumer Finance funding

The Crédit Agricole Consumer Finance 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 Consumer Finance 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.