About Us

Welcome to our website www.credit-agricole.ro!

I would like to invite you to discover more information about us and about the services we offer to our clients. We are part of Crédit Agricole, one of strongest international financial groups, and we proudly align to the high standards of this reputable French institution.

For us, Credit Agricole Bank Romania, each and every client is important – and consequently, we develop new and competitive services, that answer to all your needs.

Our vision is to provide to our clients more than mere banking products. Thus, by tailor-made offers sustained by a high-technology platform and transparency in all our processes, we offer counseling to successfully achieve your projects.

To maintain an efficient dialogue and constant improvements, we welcome any suggestion and opinion from the clients and the website’s visitors.

Luc Beiso

Managing Director Credit Agricole Bank Romania

banca pentru tine / a whole bank just for you / toute une banque pour vous

Thanks to its universal customer-focused banking model – based on close cooperation between its retail banks and its specialised business lines – reaffirmed by its new “A whole bank just for you” brand signature, Crédit Agricole helps its customers to realise all their personal and business projects. It does so by offering them an extensive range of services consisting of day-to-day banking, loans, savings products, insurance, managementul activelor, real estate, leasing and factoring, corporate and investment banking, issuer and investor services.

Serving 51 million customers[1] worldwide, it also stands out on account of its distribution model, multi-channel customer-focused banking, and the efforts of its 141,000 employees, who make Crédit Agricole the Customer Relationship-based bank.

Built on its strong cooperative and mutual foundations and led by its 9.3 million members and almost 31,000 directors of its Local and Regional Banks, Crédit Agricole’s organisational model gives it stability and staying power. It also draws its strength from its values of transparency, customer focus, accountability and openness to the world and from local communities, which it has cultivated over 120 years.

Crédit Agricole’s corporate social responsibility policy lies at the heart of its identity as a helpful and responsive bank over the long term. It is reflected in its products and services and informs the actions of all its business lines. It is a key factor contributing to overall performance and a powerful innovation driver.

Crédit Agricole Group extends its leadership year after year. It is the number one provider of financing to the French economy[2] and the number one insurer in France[3]. It is also the first bancassurer in Europe[4], the first European asset manager[5] and the world’s second-largest provider of green financing[6].

A presence in 47 countries
51 million customers worldwide
141,000 employees in France and abroad
1 bancassurer in Europe
1 European asset manager
The world’s second-largest provider of green financing
Among the European Top 3 in Consumer Credit

[1] Scope of French and international retail banking, Crédit Agricole Consumer Finance and Crédit Agricole Bank Polska consumer finance customers.

[2] Based on the value of outstanding deposits and loans as of 31/12/2016. Source: Bank, French retail banking.

[3] In terms of premium income. Source: l’Argus de l’assurance published on the 16 December 2016 and La Tribune de l’assurance published on the 16 November 2016.

[4] In terms of premium income. Source: l’Argus de l’assurance published on the 16 December 2016, data at end-2015.

[5] N°1 of all management companies who have their main Office in Europe – Source: IPE “Top 400 Asset managers” published in June 2016, based on assets under management at December 2015.

[6] Source: Bank.

Our shareholders and collaborators:
The structure of the shareholders of Credit Agricole Bank Romania S.A.:

IUB Holding holds 99,9369 % of the share capital of Credit Agricole Bank Romania S.A, divided into a number of 633.444 shares
Crédit Agricole S.A. (France) holds 0,0631% of the share capital of Credit Agricole Bank Romania S.A., divided into a number of 400 shares

Our Collaborators:

Vision
Our vision is that Credit Agricole Bank Romania to became the primary bank of our customers, through partnership, tailor-made offers and high standard of customer service.

Mission
Our mission, as we are a modern and transparent bank, is to provide to all our customers (individuals, small and medium enterprises and corporate) competitive financial services and products, as well as high-quality customer services. Through ongoing investment in the development of technologies and in our employees’ performance, we are focused on strengthening our achievements to create conditions for long-term growth and value.

Values
Customer care – our customers are long term partners, carefully welcomed to our family;
Quality – we invest continuously in improving our products and services to provide high standards of quality for our customers;
Efficiency – we use technology as to make more efficient our relationship with our customers; Transparency – customers will know from the beginning all the opportunities and costs, so they will choose the best service suitable for them or their business.

Board of the Directors of the Bank:

Mr. Guilhem Nouvel-Alaux – President of the Board of Directors
Mr. Luc Beiso – Vicepresident of the Board of Directors
Mr. Gerard Marchand – Member of the Board of Directors
Mrs. Veronique Maire – Member of the Board of Directors

Executive Committee

LUC BEISO

GENERAL MANAGER

ELENA BOCAN

DEPUTY GENERAL MANAGER

BOGDAN ILIESCU

DEPUTY GENERAL MANAGER

The annually Financial Statements of Credit Agricole Bank Romania S.A are prepared in accordance with International Financial Reporting Standards as adopted by EU (IFRS).

Additional information required by national regulations is included where appropriate.

The financial statements comprise the statement of financial position at the end of each financial year, the statement of income, the statement of comprehensive income, statement of changes in equity, statement of cash flow, a summary of significant accounting policies and other explanatory notes.

The financial statement has been prepared under the historical cost convention, except for available-for-sale financial assets and all derivative contracts which have been measured at fair value.

The financial statement is presented in EUR, which is the Bank’s presentational currency.

Financial results

2020 |2019|2018|2017|2016|2015|2014|2013|2012|2011|2010|2009|2008

Other reports

CHF	Crédit Agricole SA, Montrouge	AGRI FR PP
EUR	Deutsche Bank AG, Frankfurt am Main	DEUT DE FF
EUR	Target2 Credit Agricole Bank Romania SA, Bucharest	BSEA RO BU
EUR	Crédit Agricole SA, Montrouge	AGRI FR PP
GBP	Crédit Agricole SA, Montrouge	AGRI FR PP
USD	JPMorgan Chase Bank National Association, New York	CHAS US 33
USD	Crédit Agricole SA, Montrouge – only cash collection	AGRI FR PP
RON	Banca Naţională a României	NBORROBU
EUR	Banca Naţională a României	NBORROBU

FATCA

CRS

About CRS – Common Reporting Standard
Glossary

Wolsberg Questionnaire
AML Questionnaire
Patriot Act

Whistle blowing System

To consolidate our drive to prevent wrongdoing, unethical and criminal behaviour, we want to make sure all our employees, as well as all external service providers and suppliers can exercise their right to make protected disclosures to safeguard the company’s interests.

Individuals who are unable to report potential misbehaviour under the normal reporting process (for fear of reprisals, pressure from managers, involvement of managers, etc.) can now exercise their whistleblowing right through the BKMS® SYSTEMS platform. Whistleblowing must be disinterested and done in good faith.

The BKMS® SYSTEMS platform guarantees the confidentiality of the whistleblower, the incidents reported and the people involved. The information is encrypted and stored in a separate secure environment. Whistleblowers can use the tool to make the disclosure and use the protected dialogue box to discuss it with the officer in charge of handling the report. The whistleblower’s anonymity is protected.

More information is available in the “Whistleblowing a practical Guide”

Connect to the platform at any time and from anywhere:
https://www.bkms-system.com/Groupe-Credit-Agricole/alertes-ethiques

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