Credit agricole 2016 : 5 strong convictions guiding our strategy
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The cooperative banking model is based on building lasting relationships with customers to ensure their satisfaction and loyalty. As the European economy recovers slowly, customer expectations are changing radically amid tighter regulation and growing competition. France remains an attractive banking market, with high GDP per capita and savings levels. Banks face increasing demands for simplicity, availability, responsiveness, expertise and personal service across more communication channels as customer habits evolve.
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Crédit Agricole 2016 - Financial objectives of Crédit Agricole Group and Créd...Groupe Crédit Agricole
The medium-term plan income estimations are made in a still fragile economic context but reflecting a progressive normalisation of the situation in the eurozone. They are based on the proven resilience of the retail banking and savings management and insurance businesses and a rebound of business lines that have been adjusted to the new environment resulting from the 2011 crisis.
Three areas for improvement underpin the medium-term plan:
Financial efficiency with moderate overall revenue targets for Crédit Agricole S.A. but targeted growth according to each business.
Operational efficiency with a cost savings plan to support a cost/income target of below 60% for Crédit Agricole Group and below 64% for Crédit Agricole S.A.
Continued decrease in the cost of risk, driven by good asset quality and normalisation of the situation in Italy.
The capital management policy is forward-looking, with a continued strengthening of the Regional Banks' capital, Crédit Agricole S.A.'s target fully loaded CET1 ratio exceeding 9.5% as soon as 2015 and reaching 10.5% at end-2016 i.e. a leeway of about 100 bp (or more than €3 billion).Crédit Agricole 2016 - Objectifs financiers du Groupe et de Crédit Agricole SA
Crédit Agricole 2016 - Objectifs financiers du Groupe et de Crédit Agricole SAGroupe Crédit Agricole
Crédit Agricole 2016 : le client au coeur d'un groupe en mouvement
Le Crédit Agricole est :
la première banque de proximité en Europe, par le PNB dans ces métiers de 21 Mds € en 2013. 94% du PNB métiers du Groupe est réalisé en Europe.
la première banque des Français, leader sur tous les segments de marché, avec un taux de pénétration cumulé pour les Caisses régionales et LCL de : 36% pour les particuliers, 45% pour les entreprises, 42% pour les professionnels, + de 85% pour les agriculteurs.
Avec la banque de proximité en France, le Crédit Agricole dispose d’un socle de résultats élevés et récurrents qui s’appuie sur la solidité du modèle coopératif du Crédit Agricole : la contribution des Caisses régionales et de LCL au groupe Crédit Agricole représente un résultat net part du groupe de 4,3 Mds€ en 2013.
Ce modèle offre au Crédit Agricole une capacité unique à équiper ses clients avec l’offre du Groupe. Il favorise les synergies et conserve la valeur au sein du Groupe. Ainsi, en 2013, les synergies intra-groupe ont produit 7,2.Mds€ de PNB, soit environ 21% du PNB des métiers du Groupe.
Le Groupe occupe des positions de leadership pour ses métiers spécialisés, en France et en Europe :
1er gestionnaire d’actifs européen (777 Mds€ d’encours gérés à fin 2013).
1er bancassureur en France et en Europe (26 Mds€ de primes en 2013) et 2ème assureur-vie en France.
1ère banque dépositaire et 1er administrateur de fonds en Europe (~ 2 254 Mds€ d’actifs en conservation et 1 309 Mds€ d’encours administrés à fin 2013).
Acteur européen en banque privée.
Une BFI 1ère en France en syndication de crédits et 4ème sur la zone EMEA, 1ère mondiale sur l’aéronautique, 7ème mondiale en financement de projets.
Leader sur les paiements en France (8,6 Mds de transactions traitées chaque année).
Acteur majeur du crédit à la consommation en Europe (70 Mds€ d’encours gérés à fin 2013).
1er en affacturage et 4ème en crédit-bail en France (58 Mds€ de chiffres d’affaires factorés en 2013 et 16 Mds€ d’encours gérés en crédit-bail à fin 2013).
Plus de 2 Mds€ en capital investissement en France.
Un acteur complet de l’immobilier et le premier investisseur dans le secteur en France.
Aujourd’hui, le groupe Crédit Agricole affiche un profil de risque réduit, un bilan assaini et il a accentué ses points de force :
C’est le résultat d’actions engagées dès 2011 pour adapter le Groupe à son nouvel environnement :
Revue du portefeuille d’activités :
C’est d’abord la cession d’actifs non cœur : participations dans Intesa SanPaolo, Bankinter, Bes
Vida, allègement dans Eurazeo, CAPE, Crédit Agricole Cheuvreux, CLSA, accord pour la cession de Newedge, Crédit Agricole Bulgarie , entités nordiques de Crédit Agricole Consumer Finance1.
C’est aussi la cession d’Emporiki.
Crédit Agricole CIB a mené son recentrage géographique, arrêté les activités de marchés sur les dérivés actions et les matières premières, cédé des portefeuilles et les risques de marché des portefeuilles de
Crédit Agricole SA - Rapport de responsabilité sociale d’entreprise 2012-2013
Crédit Agricole S.A. publie, pour la première fois, son rapport de Responsabilité Sociale d’Entreprise (RSE). Ce rapport public, accessible sur Internet donne la parole à celles et ceux qui incarnent cette démarche. La politique RSE de Crédit Agricole S.A. est concrète. Elle passe par la prise en compte des problématiques sociales, sociétales et environnementales, tant dans l’élaboration des produits et services proposés à la clientèle, qu'en tant qu'employeur et acteur du territoire. Reconnue en externe, le Groupe ayant intégré cette année plusieurs indices extra-financiers, cette politique se mesure, en interne, dans une démarche de progrès, baptisée FReD.
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Crédit agricole lance son application recrutement
Premier recruteur du secteur bancaire, acteur majeur de l’alternance et du volontariat international en entreprise, le groupe Crédit Agricole dévoile MyCAJobs. Il s’agit d’une des premières applications (entreprise) mobile de recrutement en France : une nouvelle innovation du Groupe qui répond aux besoins des candidats.
Conçues pour faciliter et optimiser le recrutement mobile, ses fonctionnalités en font l’une des applications les plus complètes du marché. Le Groupe renforce ainsi son dispositif Web 2.0 et digital de recrutement pour lequel il a déjà été plusieurs fois primé.
Motivation et mémorisation : comment rendre une formation plus efficace ?
Depuis plus de 20 ans, les sciences cognitives nous éclairent sur les processus mis en œuvre pour apprendre. Le fait de mieux appréhender le fonctionnement de notre cerveau est également une aide précieuse dans la conception de nos dispositifs de formation.
Cet éclairage nous oblige aussi à remettre en question ces dispositifs. La conception des programmes est-elle toujours efficace au regard de la capacité d’apprentissage ? Les entreprises doivent- elles investir davantage pour optimiser les programmes existants par des approches pédagogiques plus adaptées au processus de mémorisation ?
Pour tenter d’y répondre au sein du Crédit Agricole, nous avons expérimenté et développé de nouveaux types de formations qui ne s’appuient plus sur un seul type de support mais au contraire en combinent plusieurs comme le mix learning, ou le rich médias.
Nous progressons également dans le domaine de l’évaluation des acquis comme l’attestent trois témoignages sur des domaines bancaires totalement différents.
Ce troisième livre blanc a pour vocation de partager ces diverses expériences, tout en synthétisant les découvertes cognitives en matière d’apprentissage, mises en lumière par les experts en la matière.
Si cela n’est pas déjà fait, je vous encourage également à consulter les deux premiers livres blancs sur « les communautés de pratique » et « le boom du ludique dans la formation ». Des sujets plus que jamais au cœur de l’actualité des nouveaux modes de développement des Ressources Humaines.
Entre e-learning et serious games
Après avoir travaillé sur la thématique des communautés de pratique au service de l’apprentissage, nous nous sommes interrogés sur la dimension ludique et l’apport du jeu dans la formation de type « serious games ».
Nous souhaitons aujourd’hui partager le résultat de nos travaux conduits via le club MIKE (Management Innovation Knowledge et E-learning) qui rassemble des acteurs de la formation du Crédit Agricole et dont le pilotage est assuré par ses membres fondateurs : Crédit Agricole SA, Fédération Nationale du Crédit Agricole et IFCAM. En tant qu’Université du Groupe, l’IFCAM (Institut de Formation du Crédit Agricole) conçoit et met en œuvre des dispositifs de formation et de développement des compétences qui portent « la marque et la différence du Groupe ». Pour satisfaire les exigences de résultat inhérentes à cette mission, l’IFCAM exploite une gamme large d’outils technologiques afin de disposer des modes pédagogiques les plus efficaces.
Ce second livre blanc se concentrera essentiellement sur l’utilisation des ressorts du jeu dans un contexte formatif. Nous partagerons des convictions théoriques afin de vous aider à repérer les facteurs clés fondamentaux qui rendront cette modalité efficiente du point de vue de l’apprentissage. Nous avons également conviés des acteurs de la formation à témoigner de leur expérience concrète en matière de conception, de réalisation et de diffusion de « serious games ».
Vous en souhaitant une bonne lecture,
La marque employeur de Crédit Agricole S.A.
Découvrez la marque employeur de Crédit Agricole S.A.
Les chiffres RH clés du groupe Crédit Agricole
La marque employeur de Crédit Agricole S.A.
Enjeu, concept, objectifs et moyens Les engagements en matière de mixité et de diversité
Jeunes diplômés et apprentis : de nouvelles façon d’échanger et de recruter
Les nouvelles manières de travailler au sein du Groupe L’accord sur le télétravail
Le cadre de travail : le campus Evergreen, modèle du travail collaboratif
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Rapport de Responsabilité Sociale d'Entreprise 2013-2014
Rapport de Responsabilité Sociale d'Entreprise 2013-2014
Results second-quarter-first-half-2014-credit-agricole-group
Results second-quarter-first-half-2014-credit-agricole-group
Résultats du 1er semestre et du 2ème trimestre 2014 du groupe Crédit Agricole
Résultats du 1er semestre et du 2ème trimestre 2014 du groupe Crédit Agricole
Résultats du 1er trimestre 2014 du groupe Crédit Agricole
Résultats du 1er trimestre 2014 du groupe Crédit Agricole
Une nouvelle façon de travailler dans les entreprises : l'intrapreneuriat
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Crédit Agricole Immobilier : acheter un logement neuf, un parcours très connecté
Crédit Agricole Immobilier : acheter un logement neuf, un parcours très connecté
Crédit Agricole 2016 - Financial objectives of Crédit Agricole Group and Créd...
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Crédit Agricole 2016 - Objectifs financiers du Groupe et de Crédit Agricole SA
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Crédit Agricole 2016 : le client au coeur d'un groupe en mouvement
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一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
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→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
Digital Transformation Frameworks: Driving Digital Excellence
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This presentation is a curated compilation of PowerPoint diagrams and templates designed to illustrate 20 different digital transformation frameworks and models. These frameworks are based on recent industry trends and best practices, ensuring that the content remains relevant and up-to-date.
Key highlights include Microsoft's Digital Transformation Framework, which focuses on driving innovation and efficiency, and McKinsey's Ten Guiding Principles, which provide strategic insights for successful digital transformation. Additionally, Forrester's framework emphasizes enhancing customer experiences and modernizing IT infrastructure, while IDC's MaturityScape helps assess and develop organizational digital maturity. MIT's framework explores cutting-edge strategies for achieving digital success.
These materials are perfect for enhancing your business or classroom presentations, offering visual aids to supplement your insights. Please note that while comprehensive, these slides are intended as supplementary resources and may not be complete for standalone instructional purposes.
Frameworks/Models included:
Microsoft’s Digital Transformation Framework
McKinsey’s Ten Guiding Principles of Digital Transformation
Forrester’s Digital Transformation Framework
IDC’s Digital Transformation MaturityScape
MIT’s Digital Transformation Framework
Gartner’s Digital Transformation Framework
Accenture’s Digital Strategy & Enterprise Frameworks
Deloitte’s Digital Industrial Transformation Framework
Capgemini’s Digital Transformation Framework
PwC’s Digital Transformation Framework
Cisco’s Digital Transformation Framework
Cognizant’s Digital Transformation Framework
DXC Technology’s Digital Transformation Framework
The BCG Strategy Palette
McKinsey’s Digital Transformation Framework
Digital Transformation Compass
Four Levels of Digital Maturity
Design Thinking Framework
Business Model Canvas
Customer Journey Map
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Credit agricole 2016 : 5 strong convictions guiding our strategy
- 1. Cooperative and mutual roots foster sustainable performance The cooperative model is a sustainable value-creating model based on building close, lasting relationships with mutual shareholders and customers to ensure their satisfaction and loyalty Slow recovery of the European economy Customer expectations changing radically Tighter regulatory environment, fiercer competition, consumer pressure growing French market attractive for the banking industry Increasing demands on customer advisors: simplicity, availability, responsiveness, expertise, personal service Changing customer habits: continuous accessibility, multi-channel banking rather than on-line banking, advanced internet and mobile functionalities GDP per capita: No. 2 of the key European countries High level of savings Responsible mortgage lending distribution in France 1 2 5 4 3 2ème 5 STRONG CONVICTIONS GUIDING OUR STRATEGY 1 JAN BOF NSP OUI NEW Mr MIEUX CREDIT AGRICOLE OUR CLIENTS, AT THE CORE OF A GROUP IN MOTION 2016