For a better browsing experience and to benefit from all the features of, we advise you to use the Edge browser.
  • Text size
  • Contrast
  • 2019/04/10
  • 5 min

The values of Crédit Agricole Consumer Finance are central to the group’s development

“Innovation, Proximity, Commitment, Team Spirit: the four values of CA Consumer Finance are the foundation of our group and what set us apart in the market. They reflect our beliefs, guide our actions and mark out our corporate identity.”
Philippe Dumont, Chief Executive Officer of CA Consumer Finance

These values, genuine benchmarks for professional conduct, are aligned with CA Consumer Finance’s ambition to build a 100% digital and 100% human company. So how do we actually put them into practice?



As businesses undergo digital transformation, bold actions and thinking outside the box help them to provide tailored solutions for customers and partners in order to develop the most suitable lending experience for them. Flexibility and anticipation are the watchwords for providing innovative support.

In action: Start&Pulse, CA Consumer Finance’s Open Innovation competition, builds links between adventurous start-ups and the Group’s different entities in an effort to speed up our digital transformation to continue improving the service we offer our customers and partners, and to establish a smooth, multichannel customer relationship and journey.



Fostering close relations means listening to the needs of our customers and partners and being clear, transparent and responsive in our interactions with them. It also means opening up to the immediate environment and supporting local initiatives.

In action: Agos, for example, a subsidiary of CA Consumer Finance in Italy, has developed its “A tu per tu” financial education programme through which employees volunteer to work with young people in secondary schools to raise their awareness about managing their budgets responsibly. Students who are most motivated and engaged in the training sessions receive financial support on Agos Day, an open-door initiative held within the company.



Commitment at CA Consumer Finance is reflected by its promotion of leading by example, a culture of excellence and continuous improvement.

In action: For CA Consumer Finance, the idea of trust is central to its strategy. With the General Data Protection Regulation (GDPR), which came into effect on 25 May 2018, CA Consumer Finance has met the challenges associated with this new regulation to strengthen the relationship of trust with its customers and partners by using the personal data provided appropriately. At the start of 2017, the company launched a dedicated programme to ensure its compliance with this new regulation and its use of information in a fair, pertinent and safe manner. Introduced at all levels of the organisation, the GDPR enables us to work alongside customers and partners in a spirt of trust, respect and transparency.



And lastly, in view of the various entities that make up the CA Consumer Finance Group, promoting collaboration and cooperation is essential for uniting employees and setting a course for shared success.

In action: The introduction of IFRS9 (International Financial Reporting Standard) on 1 January 2018 involved the mobilisation of significant resources and outstanding commitment from our entities for a year, redesigning the accounting, assessment and depreciation methods of financial instruments. Synergy, complementarity and tenacity were all key in the successful implementation of this standard.


These values, deployed across the group since 2018, are integral to the day-to-day activities of employees and enable CA Consumer Finance to strive for sustainable performance that benefits all stakeholders.


A 5th differentiating value

In addition to the CA Consumer Finance Group’s foundational values, some subsidiaries have defined a fifth value that reflects their own identity: passion for Agos, collaboration for Creditplus, fun for Wafasalaf, trust for Credibom and integrity and honesty for GAC-Sofinco.