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Our business model
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Isabelle Combarel appointed Chairman of Arkéa Capital, Crédit Mutuel Arkéa's private equity subsidiary
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Alain Hervé est nommé Directeur général d’Arkéa Banque Privée
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Crédit Mutuel Arkéa adopted the status of a mission-driven company in 2022.
Our businesses
A balanced and diversified banking and insurance offering. Strong and complementary brands.
Banking for individuals and professionals
Banking for companies and institutions
Insurance and asset management solutions
Business services (BtoB)
The professions of the real estate
Activities for the protection of property and people
Our 5 commitments
1. Make decisions aiming for a balanced approach between financial performance and positive societal and environmental impact - through the exercise of a cooperative governance rooted in our territories.
2. Support each of our stakeholders in their environmental transition.
3. Develop territorial partnerships and commit to local vitality.
4. Commit to inclusion and cultivate a lasting relationship of trust with all our members and customers, from pioneers to the most vulnerable.
5. Promote the engagement of our collective for the common good, by actively living our mutualist values.
+ Sector policies for coal, oil/gas, tobacco, air transport, real estate financing, agriculture, viticulture, and agri-food
+ Carbon intensity targets for 2030 as part of the Net Zero Banking Alliance
Key Figures
- 5.1 million member-customers
- €87.5 billion in gross loan portfolio
- €1.004 billion in production of loans for environmental transition
- €167.3 billion in gross savings balance
- €689 million in gross savings collected for environmental transition
Our Resources and Assets
Human Capital
- 11,471 employees
- 2,592 administrators
- 1,165 permanent hires
- 956 interns and apprentices
- 96% of employees trained in 2022
- 92.4/100 gender equality index
Organizational Capital
- A cooperative organization
- Intermediate size that promotes agility
- Strong local presence & decision-making centers in regions
- National presence with specialized subsidiaries
- Large-scale IT projects serving the strategy
Financial Capital
- €191.6 billion total assets
- €2.1 billion in revenues (net banking and insurance income and gains on disposal or dilution of equity-accounted investees)
- €9.7 billion in equity attributable to the Group
- 16.9% Common Equity Tier One (CET1) ratio
Our Extra-Financial Performance
An extra-financial performance of €9.4 billion.
1 million euros of financing generates on average:
€22,000 of negative environmental impacts
€145,000 of positive socio-economic impacts
Sharing value for the benefit of territories and their stakeholders
Societaries and Clients
€1.626 billion in interest paid on customer deposits
€86 million in remuneration of cooperative shares
Employees
€546 million in wages paid
€92 million in employee savings
5% of payroll invested in training
Support for territories
€9 million allocated to solidarity programs
Suppliers
€671 million in purchases made, 90% from French companies
Government and Local Authorities
€124 million in taxes and duties paid
