Without that merging five existing computer platforms

It is now that opens, in Nice, the biennial Congress of the National Federation of Credit Agricole. It is usually an opportunity for some 220 leaders of regional banks of federating around one or several themes such as the conquest of customers four years ago or the leadership in 2006. This year, crisis requires, reunion will focus on the identity of the regional funds and what they will be in ten years. A year of anticipation well come at a time when the global financial industry is an upheaval of unprecedented magnitude.

And in this crisis, Credit Agricole SA has not been spared. Depreciations and losses more of 8 billion euros, refocusing of Calyon on its traditional businesses, capital increase of 5.9 billion euros and reorganizations in string, the vehicle side of the Group whose regional banks are shareholders majority found himself in the eye of the cyclone. If regional caisses have agreed to make their contribution to the fundraising, it is certainly not a blank check. The new organizational structure of Casa, with the entrance of two former unions branch patterns, is the most tangible sign. But beyond that, they also want to assert their place in the group key.

Date business of long-term financing and retail bank, regional banks want to wear above their basic values, their "genetic code" as they say, made up of services to clients, proximity, performance and long-term taste. For months, they have worked on the tracks that they wish to borrow in the future to not become banks as"other." The dual, mutualistic and capitalistic model is not in question. But, according to our information, governance will be improved. Unions say in fact anxious to participate more upstream strategic thinking of Casa and be a force of proposal to its Board of Directors. They want to fully assume their role as "shareholders 54 " but officials to 100. This could have a "better structuring" SAS street work La Boétie and increased resources. The governance of the National Federation should be also toilettée to "optimize" the time spend leaders: delegation of tasks, simplification of the instances, clarification of the terms of collective decision-making, etc. All sites under consideration.

Collection database online

In addition, regional funds, the number (39) should more too move within ten years ahead, will cooperate more among themselves. They have already done in the past, especially with a view to reducing costs via a strategy and common information systems (titles, means of payment, etc.). Now, they also want to develop together new relays for growth in the image of what have been recently Breton caisses (Bank business and real estate). At the Congress, it will be including issue of collecting online bank, which should see the day current 2009 championed by André Coisne, the ex-patron of ING Direct France. Almost all of the funds is part of the project, with the exception of the Ile-de-France.

This online bank is more than one iconic as the ambition of regional banks to engage in useful for customers, innovative, responsive and efficient projects. Regional banks want to differentiate himself from other banking networks through a multi-channel device advanced offering a same level of services, regardless of the chosen access. What should move towards a system of production for all regional caisses. Without that merging five existing computer platforms...