Big banks will always be criticised for their complexity, and French banks’ desire to be all things to all people makes them particularly prone to baffling complication.
Crédit Agricole is probably the least fathomable in France – not just because of its multifarious business model but also because of its French regional mutual bank ownership, overlapped by a listed hub, Crédit Agricole SA (CASA).
Whether they think it is successful or not, analysts and investors with experience of covering its equity and debt can trip up when trying to explain Crédit Agricole’s governance.
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