Crédit Agricole CIB is the corporate and investment bank of the Crédit Agricole group. It serves 3,600 clients (1,550 financial institutions and 2,050 corporates) from 35+ locations across the Americas, Asia-Pacific, the Middle East and Europe, with 18 trading floors and 70% of its revenue generated internationally.
2025 was a landmark year: a new governance, a new Medium-Term Plan, and record results, with net income up more than 5% to just over €2.2bn, a best-ever performance on top of an already best-ever 2024. The bank now sets its course with Act 2028, the group’s strategy built on three letters: Acceleration in Europe and Asia, Transformation (speed, simplification, efficiency, with AI at its core), and Cohesion across every entity of the group.
“An exceptional year in 2025. Net income grew by more than 5%, to a little over €2.2bn. The results were exceptional.”
The bank in numbers
The CACIB roadmap for Act 2028
As one of the group’s main growth engines, the Large Customers division builds its plan on four pillars:
- Deepen client relationships. Move further upstream in advisory and win more high-value clients (corporates, sponsors, financial institutions) while supporting sovereignty stakes in Defense and digital infrastructure.
- Reinforce the pan-European platform, serve clients worldwide. Stay the reference bank in France, broaden the European client base, and sustain growth in Asia-Pacific (+5.5% annual revenue), the Americas and the Middle East.
- Invest and broaden the product offering. Industrialize off-balance-sheet solutions, diversify capital-markets products, and accelerate the originate-to-distribute model, alongside cash management and receivables finance.
- Deploy a more agile organization. Self-service AI for everyone, streamlined processes, front-to-accounting value chains, and anticipation of what comes next: tokenized finance, quantum, cybersecurity.
How OpenDecide fits in
Transformation means gaining agility, simplifying, and giving every employee access to AI to lighten processes and shift resources toward commercial development. OpenDecide serves that pillar directly: it supports teams in their Empowerment journey and sustains operational excellence at scale.
OpenDecide is deployed across the group’s business lines, from front office to control and support functions, so that the same standard of excellence spans every métier at once:
Scaling excellence, business line by business line
With deployment spanning front, control and support functions, OpenDecide turns the Act 2028 Transformation pillar into everyday practice: empowered teams, streamlined ways of working, and operational excellence sustained at scale.
For a bank whose ambition is to accelerate across Europe and Asia while transforming from within, that future rests on hundreds of teams raising their own excellence, together and on their own.