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International business (MNC) and large corporate
CREDIT AGRICOLE GLOBAL PRESENCE
Global presence in
47coutries
51million clients
141 000employees
€6.8bln shareholder's equity Group share
€107.7 bln shareholder’s equity
2
OsloStockholm
Helsinki
Moscow
London
Hamburg
BrusselsLuxembourg
Warsaw
Kyiv
FrankfurtVienna
ParisGeneva
BucharestBelgradeMilan
MadridPiraeus
MontrealToronto
Chicago
New York
Houston
Mexico
Bogota
Sao Paulo
SantiagoBuenos Aries
Casablanca Algers Cairo
Yerevan
Mumbay
Dubai
Abu Dhabi
BeijngSeoul
Tokyol
Shanghai
TaipeiHong Kong
Singapore
Jakarta
Sydney
Credit Agricole is one of the largest banking groups
in Europe and the main partner of the French economy
A-1Short-term
A+Long-term
Stable
outlook
F1Short-term
A+Long-term
Stable
outlook
Standard
&Poor’s
Fitch
Rating
Mood’s
DBRS
P-1Short-term
A1Long-term
Positive
outlook
R-1Short-term
ALong-term
Stable
outlook
Update March 15 2019
Rank Bank Name Country $m Tier Capital
1 ICBC China 337 539
2 China Construction Bank China 287 461
3 Bank of China China 229 970
4 Agricultural Bank of China China 242 895
5 JP Morgan Chase & Co US 209 093
6 Bank of America US 189 038
7 Wells Fargo & Co US 167 866
8 Citigroup US 158 122
9 HSBC Holdings UK 147 142
10 Mitsubishi UFJ Financial Group Japan 146 739
11 Bank of Communications China 101 435
12 Credit Agricole France 100 887
13 BNP Paribas France 97 605
14 Sumitomo Mitsui Financial Group Japan 96 712
15 Banco Santander Spain 89 328
16 Goldman Sachs US 83 702
17 Mizuho Financial Group Japan 83 233
18 Norinchukin Bank Japan 76 540
19 China Merchants Bank China 75 392
20 Groupe BPCE France 71 864
Rank Bank Name Country $m Tier Capital
1 ICBC China 4 043 728
2 China Construction Bank China 3 390 174
3 Agricultural Bank of China China 3 300 653
4 Bank of China China 3 104 712
5 Mitsubishi UFJ Financial Group Japan 2 805 075
6 JP Morgan Chase & Co US 2 622 532
7 HSBC Holdings UK 2 558 124
8 Bank of America US 2 354 980
9 BNP Paribas France 2 345 789
10 Credit Agricole France 2 131 911
11 Citigroup US 1 917 383
12 Wells Fargo & Co US 1 895 883
13 Sumitomo Mitsui Financial Group Japan 1 836 090
14 Mizuho Financial Group Japan 1 810 244
15 Banco Santander Spain 1 677 323
16 Deutsche Bank Germany 1 549 583
17 Societe Generale France 1 505 090
18 Groupe BPCE France 1 464 283
19 Barclays UK 1 434 535
20 Bank of Communications China 1 391 412
Credit Agricole is
Europe’s No.2 Bank
by Tire One Capital
and No.2 Bank by
Tire One by Totals
Assets
Source: The Banker,
July 2019
TOP-20 BY TIER ONE CAPITAL 2018 YE TOP-20 BY TOTAL ASSETS 2018 YE
Financial capacity of Credit Agricole Group is confirmed by high ratings from leading international rating agencies
3
mutual
shareholders
who hold mutual
shares in
10.1 m
Local Banks
2,432
CCA/CCI
Sacam
Mutualisation
Fédération
nationale du Crédit
Agricole (FNCA)
Float
Institutional investors
Individual shareholders
Employee share
ownership plans (ESOP)
Treasury shares
31.9%
7.3%
4.4%0.1%
43.7%
Business and
Subsidiaries
Large
Customers
Retail
Banking
Specialised
Financial
Services
Asset
Gathering
(1) Through SAS Rue La Boétie, the Regional Bank of Corsica, 99.9% owned
by Crédit Agricole S.A., is a shareholder of Sacam Mutualisation
4
Crédit Agricole Group – a stable shareholding structure
Crédit Agricole
Regional Banks
jointly holding the majority
of Credit Agricole S.A.’s
share capital(1)
39
25%
100%
56.3%
The Crédit Agricole Group
includes Crédit Agricole S.A.,
as well as all of the Regional
Banks and Local Banks and
their subsidiaries
Representation office
of Credit Lyonnais
worked in Odesa
Credit Lyonnais
Group founded
Credit Lyonnais
Bank Ukraine
in Kyiv
The Credit
Agricole Group
became the owner
of Index-Bank
CalyonBank Ukraine
was renamed to Credit
Agricole Corporate and
Investment Bank
Index-Bank was
renamed to Credit
Agricole Bank
A merge of 2
banks: Credit
Agricole CIB and
Credit Agricole Bank
Index-Bank
was founded
in Lviv
Сredit Lyinnais was
renamed to Calyon
Bank as part of Credit
Agricole Group
Among TOP 10
banks in the
country by NBU
The oldest foreign bank in Ukraine
5
For Private Customers:Daily banking
I-bank
Mobile banking
Safe deposit box
For Premium Customers:Premium package
Domestic government bonds (DGB)
Deposits
Premium manager
For MNC/LLC:Cash Flow Management
Foreign exchange/ Capital market products
Financing/ Trade finance
M&A transactions
Expats and individuals service
Payroll Projects
Information support
MID-CORPORATE
AND SME
CUSTOMERS
For SME:Cash management services
Currency operations
Liquidity management
Trade finance
Loans (ST & MT)
Leading bank with
portfolio more than
1000 International
customers
INTERNATIONAL
AND LARGE LOCAL
CORPORATE
CUSTOMERS
Crеdit Agricole Bank – is a client-centric universal bank 100% owned by the Credit Agricole Group (France)
RETAIL
For Agri-Agro:Loans (ST & MT):
• For replenishment of current assets
• For obtaining agricultural
machinery and equipment
Partnership programs
ААА (UKR)The highest possible long-term
national rating in Ukraine
No. 10NBU rating by the assets
(2019)
ТОР 7most profitable banks of
Ukraine (2019)
No. 1 in car loans
6
Сombination of strong international background and local experience.
Full scope of banking products and tailor-made solutions.
Financial, legal and tax supportin order to help your company develop business in the most efficient and risk-free way in a quite complicated and fast-changing environment.
Our shareholder is confident in our bank success and pursues a clear strategy of further growth of our corporate and retail banking activities in Ukraine,
with focus on development of historically strongest pillars which remain multinational customers and local large
corporations, agro/agri industry and private individuals.
The biggest international client’s base, extensive number of local exporters and status of core banking partner for agro sector allow
our bank to be extremely competitive in foreign exchange transactions and hedging products.
7
Over 1 000 Multinational and Large Ukrainian Corporations
Kiev
Lviv
СASH
MANAGEMENT
• A comprehensive range of bank accounts in local
and foreign currencies: UAH, USD, EUR, RUB,
GBP, CHF, SEK, CAD, JPY, DKK, PLN, CZK
Accounts• A leading bank in FX volumes
• Direct dealing via Bloomberg
• FX Reuters platform
• Leader in FX hedging (FRWDs), swaps
• Incoming payments: free of charge
• Payroll services
• Corporate cards
• Cash collection via partnership
with local provider
Forex
Payables and receivables
• Cash pooling
-Zero Balance
-Target Balance
-Closing of overdrafts
-Notional pooling
• Automated overnight deposits (FOND)
Account management
• Host to Host SFTP
• SWIFT Net FIN MT 101
• SWIFT Net FileAct
Host to host
• E-banking on-line “Optim CLIC” has two factors
of authentication: smart card+password, that
ensure high level of security
• Host to CLIC
• Multi segregation of authorizations rights
• Continuing investment in e-banking solutions
• Official and intraday banking statement
• SWIFT reporting: MT 940, MT 300
• Structured reports for auditors purposes
• Automatic sending of incoming SWIFT MT103
E-banking
Reporting
СASH MANAGEMENT
Over 1000 multinational clients with over 4 mln transactions per year
8
• Pricing for all customers FX
(HC/ UAH, HC/HC) activity, cash
• Hedging solutions
Foreign exchange
• Capital Markets team deals directly
with > 200 customers
• Transactions negotiated online
• Forex online platform
Direct dealing
• Swaps
• Flexible current account remineration
Money market
• Fixed-term loans & deposits
• Flexible conditions for UAH deposits
• MT financing -multicurrency
Treasury / IR
• Daily & monthly survey
Market overview
СAPITAL MARKET
A leading FX and hedging Bank . TOP 3 on the FX market
9
СAPITAL MARKET
10
Settlement, accounting,
safekeeping of
Ukrainian securities
Securities
brokerage
Escrow
accounts
Squeeze-out
servicingTailor-made solutions
for investors
International Private
Equity funds
International corporations
shareholders in Ukrainian
companies
International
portfolio investors
Ukrainian insurance
companies
CUSTODY & SERVICES
FOR FOREIGN INVESTORS
WHAT?
SERVICES
FOR WHOM?
CUSTOMERS
A leading bank for international clients with USD 1 bln held in custody
of securities and M&A transaction settlement
TRADE FINANCE SOLUTIONS
• Analysis of trade flows and structuring
of the efficient financing
• Verification of the parties involved, mitigation of risks
Trade Finance Consulting
• Issuing all types of guarantees / SBLCs
• Re-issuing guarantees of foreign and Ukrainian banks
• Advising guarantees / SBLCs
• Deferred payments for BUYERS / Secure payments
for SELLERS of agri equipment, seeds, etc.
• Discounting of promissory notes
for CAU clients – holders of PNs
International and domestic GUARANTEES
Avalizing Promissory Notes
• Short-term financing of recurrent trade transactions
• Facilitation of trade and optimization
of documents workflow
Factoring
• Arrangement of cooperation with:
• Export Credit Agencies, International FIs
• Credit Agricole Group and other banks
Arranging co-financing and insurance of trade
• Documentary collection for Exporters and Importers:
• Secure shipments
• Guaranteed payments
• Advising L/Cs to exporters
• Confirmation of L/Cs to cover risks of foreign banks
• Wide international network of CA Group and partner banks
Documentary Collection
EXPORT Letter of Credit
• Issuing L/Cs to secure settlements
• Arranging deferred payments
• Best conditions for L/C confirmation
• Short- and mid-term financing via L/C discounting
IMPORT Letter of Credit
11
Faciliation of your finance and trade's needs
Structuring of packages based on individual customer needs
Monthly commission
for package using*
(UAH)
Condition 1 Condition 2**
(UAH during
month)
Monthly
commission***
(UAH)
Number of free
banking
products
(upon choice)
SMS-
informing and
payments
via I-Bank
Cash withdrawal
in ATMs of Bank
and “Atmosfer”
(UAH)
Amount
(UAH)Transa-
ctions
Contactless Card
Visa Classic
Contactless Card
Mastercard World
Contactless Card
Mastercard or
Visa Platinum
Contactless Card
Mastercard World
Elite
Contactless Card
Visa infinite
Free
15 000
3
10
3 000
10 000
10
50
350
800
1 000
1
3
3
5
more than
5 000 UAH –
5 UAH per
transaction
5 000
UAH per
month –
Free
Payment
card
•
•
•
20 000 70 000
50 000
30 000
LIGHT
SMART
PREMIUM
SOMMELIER
INFINITE
0 UAH monthly fee for
servicing in case of fulfilling
conditions of the package
Cash withdrawal
in other ATMs
in Ukraine
12
*if fulfilling Condition 1 or Condition 2
**Card account average daily balance
***in case no condition is fulfilled
• Producers and distributors of seeds, crop protection agents, fertilizers
• Agro-producers
• Medium corporate processers of agricultural products
Support to all participants of agro products
value сhain via partnerships:
• Working capital loans, including those secured by double
warehouse receipts
• Promissory notes avalization and bank guarantees
• Investment loan
• Agro insurance
Finance:
Unique approach that combines technical and
financial assessment of agricultural companies
Special packages for day-to day bank transactions
Agro sector is one of the strategic sectors for Credit Agricole,
which is a visible player in Ukraine’s agricultural market
13
CREDIT AGRICOLE OFFICES
14
Kiev01034, 23A Volodymyrska street
tel.: 380 44 490 14 00
Lviv79007, 11 Hnatyuka street
tel.: 38 032 297 00 06
For international business (MNC) and large corporate
Deputy Chairman of the Board, responsible
for Corporate, SME and Financial Markets
+38 044 490 14 26
Larysa Bondarieva:Deputy to Member of the
Management Board
+38 044 490 20 31
Alexandre Tchesnakoff
Director of International & Large
Corporate Business
+ 380 44 490 14 40
Ihor KuropiyCommercial Team III Head
+ 380 44 490 14 49
Yurii Raksha