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Strategic Management : Credit Agricole

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  1. Strategic plan for all Credit Agricole branches
    1. The computing network
    2. The security of the data
    3. The customer and employee management
  2. Strategic implications of this change of strategy
    1. Get more satisfied customers (customer loyalty)
    2. Increase efficiency of productivity
    3. Increase management of resources
    4. Make the business reliable
    5. Reduce costs at term
    6. Increase net bank products
  3. Impacts for the company and the customers
    1. Legal obligations
    2. Rise of costs and thus of fees
    3. More internet - less physical banks usings
    4. More reclamation
    5. Higher risk concerning hackings

Credit Agricole is the first bank group in France owning 28% of the household market. This group is also the first in Europe regarding revenues of retailing banks and the fourth group in the world concerning the equity level. Leader of the proximity banks in France with 39 local funds or region banks, the Credit Agricole reinforced all its activities by the acquisition of Credit Lyonnais known as LCL now, in 2003. This organization allows Credit Agricole to be decentralized, its financial, business, and juridical cohesion goes with the decentralization of responsibilities. In France, Credit Agricole is the last bank group which uses Internet services for customers. But the company wants to gap an upper level comparing to the competitors. So they work on an e-bank specialized on e-payments project.

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