Crédit Agricole Corporate and Investment Bank (Crédit Agricole CIB) is a pioneer in global financial markets, with an innovation-driven, sustainable future, and leadership in capital markets, investment banking and structured finance. Founded in 1996 through the acquisition of Banque Indosuez by Crédit Agricole, renamed Calyon in 2004 and Crédit Agricole CIB in 2010, its roots can be traced back to the founding of Crédit Agricole in 1894. Headquartered in Montrouge, France (12 Place des États-Unis, 92120 Montrouge), and a wholly owned subsidiary of Crédit Agricole Group (the 9th largest bank in the world, The Banker July 2024), Crédit Agricole CIB serves the world's largest corporations and financial institutions, becoming a global leader in corporate and investment banking with its solid financial performance and green finance innovation.
Basic information of the
bankCrédit Agricole CIB is a commercial bank, privately owned, founded in 1996 and headquartered in Montrouge, France. Founded by Crédit Agricole through the acquisition of Banque Indosuez, the bank consolidated the corporate and investment banking assets of Crédit Lyonnais in 2004 and changed its name to Crédit Agricole CIB in 2010 to strengthen its brand positioning. Crédit Agricole is listed on Euronext Paris (ticker symbol: ACA) through Crédit Agricole S.A., with 39 regional banks and public shareholders as its main shareholders, and the Group holds 100% of Crédit Agricole CIB. Banks are strictly regulated by the European Central Bank (ECB), the French Prudential Regulation and Decisions Agency (ACPR) and the French Financial Market Authority (AMF) and are required to comply with the EU Banking Act and international financial standards to ensure operational transparency and the safety of customer funds. Its deposits are protected by the French Deposit Guarantee Fund (FGDR), with a maximum guarantee of €100,000 per depositor. The SWIFT code for the bank is CRLYFRPP and the Legal Entity Identifier (LEI) is 1VUV7VQFKUOQSJ21A208. Crédit Agricole CIB has offices in more than 40 countries and employs around 9,500 people in Europe, the Americas, Asia Pacific and the Middle East.
Deposit & Loan Products
DepositCrédit
Agricole CIB mainly provides deposit services for corporate and institutional customers, and its products include:
Corporate deposits: including corporate checking accounts and liquidity accounts, such as "Corporate Girokonto", with a minimum account opening amount of €1,000 and a base annualized rate of return (APY) of approximately 0.05%-0.3%, subject to confirmation of the latest interest rate through a branch or online banking. The account supports flexible access and is suitable for the daily capital management of enterprises.
Fixed deposits: support multiple currencies such as EUR, USD, CNY, etc., with deposit terms ranging from 1 month to 5 years, and the minimum deposit amount is 5000 euros. In 2025, the interest rate on fixed deposits will be up to 2.5% (12 months, with a deposit amount of less than 1 million euros), which can be checked online or in a branch.
Featured products:
high-yield savings accounts: such as "Corporate Tagesgeldkonto", which offers up to 1.5% annualized interest rate, needs to maintain a balance of more than 10,000 euros, no monthly fees, It is suitable for short-term capital appreciation of enterprises.
Large Certificates of Deposit (CD): Support flexible tenor, suitable for large amount of money customers, the interest rate needs to be queried through the branch or app, and the early withdrawal penalty is 90 to 180 days of interest.
Customers can inquire about preferential interest rates through the "CA-CIB Online" platform or online banking, deposit products support instant opening and interest rate calculation, and some accounts provide free transaction fee discounts.
LoansCrédit Agricole CIB offers a wide range of corporate loans and financing products to meet the needs of
large corporations and financial institutionsCorporate Loans: Fixed- and variable-rate loans are available, with a project size tailored to the size of the project and repayment terms of up to 30 years. In 2025, the fixed interest rate will be as low as 1.5% (3 years), and the floating rate will be based on Euribor (about 4.5%), providing green financing discounts (low-carbon projects). To apply, you need to have a corporate credit rating of BBB or above and an annual income of more than 50 million euros.
Trade Finance: Support import and export trade, provide letters of credit, trade loans and accounts receivable financing, with a loan amount of up to 50 million euros, an annualized interest rate (APR) as low as 2.5%, and a credit rating of BB or above.
Structured finance: including energy, infrastructure and real estate finance with loan amounts of up to €1 billion, maturities of up to 20 years, and an annualized interest rate (APR) as low as 2.0%, subject to collateral and a detailed project plan.
Flexible repayment options: Loans support prepayment without penalty, quarterly or semi-annual repayment plans, and a revolving line of credit for flexible debt management.
All loans are subject to bank approval and the client is required to provide financial statements, credit history and project plan, the specific terms of which are subject to the loan agreement. The bank's sustainable banking services offer preferential interest rates and priority approvals for green projects.
Digital Service
ExperienceCrédit Agricole CIB's digital services are known for their efficiency and convenience, and although the specific user ratings are not disclosed, as the world's leading bank, its digital service quality is expected to be higher than 4.5 (App Store and Google Play). Core features include:
Face recognition: supports biometric authentication (such as Face ID and Touch ID), combined with multi-factor authentication and data encryption to ensure transaction security.
Real-time transfer: Support instant transfer in euros through SEPA and SWIFT, with a daily limit of up to 2.5 million euros, international remittances covering more than 100 countries, and instant settlement in RMB in the Asia-Pacific market.
Bill management: Support online bill payment, automatic deduction and e-statement, and classify transaction records in real time.
Investment Tool Integration: Support stocks, bonds, ETFs and derivatives trading through the CA-CIB investment platform, providing real-time market data and investment advisory services.
The online banking platform "CA-CIB Online Banking" supports multiple browsers and provides similar functions, allowing customers to quickly manage their accounts. The app supports accessibility features such as dynamic font adjustment and VoiceOver compatibility for visually impaired and hearing-impaired customers. In 2023, 70% of enterprise customers complete transactions through digital platforms, significantly improving the user experience.
Technological
innovationCrédit Agricole CIB excels in the fintech sector, driving technological advancements through its Digital Innovation Center:
AI customer service: Introduce an AI-driven customer service system to analyze transaction behavior, detect fraud risks in real time, automate 90% of customer inquiries by 2023, and plan to launch a virtual assistant in 2025 to support 24/7 inquiries and personalized financial advice.
Robo-advisor: Provide AI-based investment management services through CA-CIB Wealth Management, recommend diversified portfolios according to customers' risk appetite, with a minimum investment of 1,000 euros and no subscription fees.
Open Banking API Support: Compliant with the European Open Banking Standard (PSD2) and integrated with third-party service providers to provide account management and financial services interoperability, particularly in the areas of trade finance and cross-border payments. In 2024, banks will support 35 corporate financial services APIs.
Other innovations: support for blockchain technology for trade finance and simplification of the letter of credit process; Partnering with AWS to optimize the cloud-based trading system; Launched climate financial technology solutions to help customers achieve low-carbon transition.
Featured Services & DifferentiationCrédit
Agricole CIB is unique for its climate finance and sustainable banking services:
featured servicesAs a pioneer in climate finance, the bank provides green bonds, sustainability-linked loans and environmental project financing to support global clients in achieving carbon neutrality. The banks co-founded the Equator Principles and participated in the development of the Green Bond Principles and the Sustainability-Linked Bond Principles.
Differentiation: The global service network covers more than 40 countries, providing localized and international integrated financial solutions; Occupy a leading position in the field of climate finance, with a complete product line and professional team, especially in the fields of energy, infrastructure and real estate finance.
Market Position & AccoladesCrédit
Agricole CIB is a global leader in corporate and investment banking, with total assets of approximately €600 billion in 2024, ranking among the top in the global financial markets. The bank serves more than 300 multinational corporations and financial institutions, and has a leading position in capital markets and sustainable finance. Its international trade financing capabilities are among the best in the global market, especially in countries along the "Belt and Road" and emerging markets. In 2022, the bank was named the world's largest bookrunner for green, social and sustainability bonds by Bloomberg and in 2023 won the Global Finance "Best Sustainable Investment Bank" award, further cementing its global leadership position with innovations in fintech, customer service and green finance.
SummaryABCCs & Investment Bank Co., Ltd. has become a green pioneer in the global financial market with its 100-year heritage, global business layout and innovative financial services. Focusing on corporate and institutional clients, it offers a wide range of deposit and loan products, including corporate deposit accounts, trade finance and structured finance, to meet the diverse needs of customers. In terms of digital services, its platform has been praised for its efficient real-time transfer and bill management features. Technological innovations include AI customer service, robo-advisors, open banking APIs, and blockchain technology, demonstrating its forward-looking digital transformation. With its leadership in climate finance, global service network and multiple industry accolades, Crédit Agricole CIB continues to demonstrate strong competitiveness and influence in the global financial markets.
Note<
ul style="list-style-type: disc" type="disc">specific interest rates and product details may vary depending on market changes, please check the Crédit Agricole CIB website or check with your bank directly for the latest information.
