Crédit Agricole Organizational Structure & Org Chart

Crédit Agricole is a mutual group: customers who are members own Local Banks, which own the Regional Banks, which in turn own most of the listed Crédit Agricole S.A. The group reported FY2025 revenues of €39.6 billion, of which Crédit Agricole S.A. accounted for €28.1 billion.

Crédit Agricole organizational chart

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Crédit Agricole's reporting structure as of 2026-11. Drag to pan, scroll to zoom — or open it in QueryChart and edit it as your own.

Industry: Mutual banking and financial services
Headquarters: Montrouge, France
Founded: 1885 (first Local Bank, Poligny)
Employees: 160,000 (31 Dec 2025, group)
CEO: Olivier Gavalda
Revenue: €39.6 billion group revenues (FY2025); €28.1 billion for Crédit Agricole S.A.
Ownership: Cooperative
Structure as of: 2026-11
Structure last reviewed: 2026-11-05

About the company

The lines in this diagram show mutual ownership and group membership, not reporting lines or an instruction chain. Olivier Gavalda is Chief Executive Officer of Crédit Agricole S.A. only; the Regional Banks are independent cooperative banks, and Eric Vial chairs both SAS Rue La Boétie and the Crédit Agricole S.A. Board.

How Crédit Agricole is organized

At the base are the Local Banks, owned by their mutual shareholders, who elect the directors. The Local Banks own most of the capital of the 39 Regional Banks (Caisses régionales), the cooperative banks that serve individuals, farmers, small businesses, companies and local authorities.

The Regional Banks together own 63.5% of Crédit Agricole S.A., which is listed on Euronext Paris and acts as the central body: it ensures cohesion of the network and coordinates strategy with the specialist subsidiaries. Their stake is held through SAS Rue La Boétie. The FNCA (Fédération Nationale du Crédit Agricole) is the body through which the Regional Banks discuss policy and represent themselves.

Beneath Crédit Agricole S.A. sit the business lines: LCL (retail banking in France), international retail banking (Crédit Agricole Italia, Polska, Ukraine, Egypt), large customers (Crédit Agricole CIB, CACEIS), specialised financial services, and asset gathering and insurance (Crédit Agricole Assurances, Amundi, Indosuez Wealth Management). The Regional Banks and LCL together make up retail banking in France.

Key leadership roles

Olivier Gavalda
Chief executive, Crédit Agricole — The chart depicts mutual ownership and business-line membership, not unreported personal reporting lines.

How this structure supports the business

Ownership runs upward from members to the listed company while strategy and services are coordinated downward, so the tree reads differently from a conventional corporate hierarchy.

Retail banking in France is split between the mutual Regional Banks and LCL, which is a subsidiary of Crédit Agricole S.A.

Advantages and disadvantages

The mutual ownership and business-line membership view follows the company's public disclosure.: A tree cannot show every cross-company function, joint venture or legal entity.

Interesting facts

The Regional Banks own 63.5% of Crédit Agricole S.A.
There are 39 Regional Banks in France.
Crédit Agricole S.A. reported FY2025 revenues of €28,079 million.
The group employed 160,000 people at end 2025.
Ownership: Crédit Agricole S.A. listed, 63.5% owned by the Regional Banks.

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Frequently asked questions

What are Crédit Agricole's main businesses?

Local Banks.

What relationship does this Crédit Agricole chart show?

It shows mutual ownership and business-line membership from the cited company disclosures, with selected activities placed below their published groupings.

Is this a complete legal or employee reporting chart?

No. The diagram stops at the last public level verified in the cited sources.

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