CA CF 2020: the new strategic plan of Crédit Agricole Consumer Finance

CA CF 2020, the new strategic plan of Crédit Agricole Consumer Finance is fully in line with the guidelines and objectives of Strategic Ambition 2020, Crédit Agricole Group's medium-term plan. Innovation and digital transformation are the core of CA CF 2020 and will benefit our customers, our banking partners, the automotive manufacturers and dealers, as well as our employees.

Five strategic pillars:

By making its expertise more widely available to Crédit Agricole Group's retail banks, CA Consumer Finance will help them respond even better to their customers' needs and expectations in consumer finance.

Strengthening synergies with Crédit Agricole Group's retail banks in France, Italy and Morocco is a key priority for CA Consumer Finance out to 2020. Our aim is to support these banks in building up a leading position in the consumer finance market.


Now, more than ever, CA Consumer Finance is putting its customers at the heart of its strategy and action. For this reason, we are developing innovative new products and solutions tailored to emerging consumer trends. We are capitalising on our digital transformation and leveraging our data to personalise our relationships with customers, offer them the best possible experience and thereby increase their satisfaction.


Supporting our partners, whether car manufacturers or retailers, is in our DNA. Today, car financing accounts for 40% of CA Consumer Finance's outstandings. With CA CF 2020, we aim to consolidate our leading position in this market.

We also intend to strengthen our partnerships in the retail sector, with the target of having at least one partner among the top five e/m-commerce companies in each country where we operate within the next four years.


We intend to diversify our activities with revenues that require little capital, mainly in insurance. We plan to improve the return on our risk-weighted assets and keep our self-funding rate to at least 70%. We will also continue to cut costs. Lastly, we will continue to invest in our information systems, with a budget of €240 million over four years.



We are relocating our employees in the Paris region to a single site in Massy in the summer of 2017. This will give us a state-of-the-art head office commensurate with our ambitions and will create a closer working relationship among our employees. The new premises will provide a stimulating work environment that will enable us to unite our day-to-day values (innovation, proximity, commitment, team spirit) and develop agile working methods to better serve our customers and partners.

In parallel, we will leverage the results of surveys carried out among our staff to ensure their personal development and increase their engagement. We will enhance our corporate social responsibility approach with actions to support ecosystems and start-ups, and strengthen our commitments in terms of financial education and preventing excess debt.


"In line with Crédit Agricole Group's positioning, our ambition is to make CA Consumer Finance a 100% digital and 100% human company. Being 100% digital means optimising the customer journey and improving the customer experience, exploiting the potential of data and being in tune with new consumer trends. Being 100% human means taking care of our customers and our staff and putting our advisers at the heart of our multi-channel distribution model", adds Philippe Dumont, CEO of Credit Agricole Consumer Finance.