Credit Agricole serves 52 millions customers worldwide, with customer focus, accountability and community support, the enduring values that have been its hallmark for 120 years. Led by its 139,000 engaged employees, the bank forges genuine partnerships with its customers. Credit Agricole helps its customers to realise all their personal ans business projects. It does so by offering them an extensive range of services consisting of day-to-day banking, loans, savings products, insurance, asset management, real estate, leasing and factoring, corporate and insvestment banking, and issuer and investor services. Credit Agricole’s corporate social responsibility policy lies at the heart of its identity. This is reflected in its products and services and informs the actions of all its business lines. This commitment is a key factor contributing to overall performance and a powerful innovation driver. Built on strong cooperative foundations and led by its 9.7 million mutual shareholders and more than 30 000 directors of its local and regional banks, Credit Agricole’s robust organisational model gives it sability ans staying power as a european group open to the wider world.