{"id":368,"date":"2026-05-02T10:07:37","date_gmt":"2026-05-02T09:07:37","guid":{"rendered":"https:\/\/www.andp-cci.org\/?p=368"},"modified":"2026-05-03T10:07:51","modified_gmt":"2026-05-03T09:07:51","slug":"le-credit-agricole-devrait-tourner-la-page-ep6","status":"publish","type":"post","link":"https:\/\/www.andp-cci.org\/index.php\/2026\/05\/02\/le-credit-agricole-devrait-tourner-la-page-ep6\/","title":{"rendered":"Le Cr\u00e9dit Agricole devrait tourner la page [ep6]"},"content":{"rendered":"\n

\u00c9pisode 6<\/h3>\n\n\n\n

Champion de l\u2019ESG \u00e0 Paris, le Cr\u00e9dit Agricole est au dernier rang en province (2\/2)<\/strong><\/h4>\n\n\n\n

On a vu la semaine pass\u00e9e comment cela ne posait aucun probl\u00e8me aux Caisses r\u00e9gionales (CR) du Cr\u00e9dit Agricole cot\u00e9es en Bourse de racheter, parfois fr\u00e9n\u00e9tiquement, leurs CCI \u00e0 25 % en moyenne des capitaux propres ; alors que d\u2019autres CR ayant \u00e9mis un produit en tout point identique, le CCA, les rach\u00e8tent \u00e0 80 % sur la base d\u2019un rapport d\u2019un expert ind\u00e9pendant jamais rendu public.<\/p>\n\n\n\n

Voici 2 autres exemples choquants de gouvernance d\u00e9faillante pour des entit\u00e9s cot\u00e9es en Bourse :<\/p>\n\n\n\n

    \n
  1. Une incitation \u00e0 surcapitaliser\u2026 contre l\u2019int\u00e9r\u00eat\u00a0de l\u2019\u00e9conomie fran\u00e7aise<\/strong><\/li>\n<\/ol>\n\n\n\n

    50 % de la r\u00e9mun\u00e9ration variable des directeurs g\u00e9n\u00e9raux des 13 CR cot\u00e9es en Bourse est index\u00e9e sur la croissance des capitaux propres comptables. Autrement dit, plus ils th\u00e9saurisent inutilement des capitaux propres, plus leur r\u00e9mun\u00e9ration variable augmente ! On comprend mieux pourquoi le ratio CET1 moyen des 13 CR cot\u00e9es est de 26 % contre 17 % pour les CR des Banques Populaires dont les DG n\u2019ont pas cette structure de r\u00e9mun\u00e9ration.<\/p>\n\n\n\n

    Comment les directeurs g\u00e9n\u00e9raux des CR peuvent-ils agir dans l\u2019int\u00e9r\u00eat de la Soci\u00e9t\u00e9, comme leur raison d\u2019\u00eatre leur en fait l\u2019obligation, en cessant de congeler des capitaux propres exc\u00e9dentaires quand leur int\u00e9r\u00eat personnel va exactement dans le sens inverse ? <\/p>\n\n\n\n

      \n
    1. Une d\u00e9mocratie \u2026 de fa\u00e7ade<\/strong><\/li>\n<\/ol>\n\n\n\n

      Celui qui regarde le site internet des CR constate que l\u2019on trouve toujours le texte des r\u00e9solutions soumises aux assembl\u00e9es g\u00e9n\u00e9rales, auxquelles les porteurs de CCI n\u2019ont pas acc\u00e8s, les CCI \u00e9tant priv\u00e9s de droits de vote. Mais que l\u2019on ne trouve jamais le r\u00e9sultat des votes. Jamais. <\/p>\n\n\n\n

      \u00c0 force de pers\u00e9v\u00e9rance, on peut, pour certaines CR et certaines ann\u00e9es, trouver le PV des AG aux greffes des tribunaux. Et l\u00e0, on comprend pourquoi les r\u00e9sultats ne sont pas donn\u00e9s : c\u2019est l\u2019unanimit\u00e9 \u00e0 toutes les r\u00e9solutions. <\/p>\n\n\n\n

      Mais comment est-ce possible d\u2019avoir une unanimit\u00e9 sur les votes de dizaines de r\u00e9solutions avec, par exemple, 427 413 soci\u00e9taires \u00e0 la CR Atlantique Vend\u00e9e ? D\u2019autant que le rapport annuel pr\u00e9cise bien que : \u00ab L\u2019Assembl\u00e9e g\u00e9n\u00e9rale se compose de tous les soci\u00e9taires porteurs de parts. \u00bb.<\/em><\/p>\n\n\n\n

      Vous vous attendez donc \u00e0 ce que tous les soci\u00e9taires puissent voter en AG de la CR selon le principe : un soci\u00e9taire, une voix, quel que soit le nombre de parts sociales d\u00e9tenues. Vous creusez un peu. Et vous voyez qu\u2019il n\u2019y a eu que 166 voix d\u2019exprim\u00e9es. En fait ce ne sont pas les soci\u00e9taires, c\u2019est-\u00e0-dire les clients, qui votent, mais des caisses locales qui s\u2019intercalent entre eux et la CR. Et ces caisses locales ne sont l\u00e0 que pour capturer la d\u00e9mocratie affich\u00e9e et obtenir cette extraordinaire unanimit\u00e9. Car elles ont une substance \u00e9conomique \u00e0 la hauteur ce qu\u2019elles paient chacune \u00e0 la CR qui tient leur service juridique, comptable et administratif : 105 \u20ac HT par an\u2026. <\/p>\n\n\n\n

      Peut-on revendiquer un leadership ESG avec de telles failles de gouvernance ?<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

      \u00c9pisode 6 Champion de l\u2019ESG \u00e0 Paris, le Cr\u00e9dit Agricole est au dernier rang en province (2\/2) On a vu la semaine pass\u00e9e comment cela ne posait aucun probl\u00e8me aux Caisses r\u00e9gionales (CR) du Cr\u00e9dit Agricole cot\u00e9es en Bourse de racheter, parfois fr\u00e9n\u00e9tiquement, leurs CCI \u00e0 25 % en moyenne des capitaux propres ; alors que […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/template-full-width.php","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-368","post","type-post","status-publish","format-standard","hentry","category-billets-linkedin"],"yoast_head":"\nLe Cr\u00e9dit Agricole devrait tourner la page [ep6] - Site de l\u2019Association Nationale de D\u00e9fense des Porteurs de CCI du Cr\u00e9dit Agricole (ANDP-CCI)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.andp-cci.org\/index.php\/2026\/05\/02\/le-credit-agricole-devrait-tourner-la-page-ep6\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le Cr\u00e9dit Agricole devrait tourner la page [ep6] - 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