{"id":375,"date":"2026-05-09T10:51:43","date_gmt":"2026-05-09T09:51:43","guid":{"rendered":"https:\/\/www.andp-cci.org\/?p=375"},"modified":"2026-05-09T10:51:44","modified_gmt":"2026-05-09T09:51:44","slug":"le-credit-agricole-devrait-tourner-la-page-ep7","status":"publish","type":"post","link":"https:\/\/www.andp-cci.org\/index.php\/2026\/05\/09\/le-credit-agricole-devrait-tourner-la-page-ep7\/","title":{"rendered":"Le Cr\u00e9dit Agricole devrait tourner la page [ep7]"},"content":{"rendered":"\n

\u00c9pisode 7<\/h3>\n\n\n\n

Mensonges et manipulations dans les Caisses r\u00e9gionales cot\u00e9es du Cr\u00e9dit Agricole<\/strong><\/h4>\n\n\n\n

Le groupe Cr\u00e9dit Agricole aime se pr\u00e9senter comme un champion de l\u2019ESG. Mais lorsqu\u2019on regarde de pr\u00e8s les pratiques des Caisses r\u00e9gionales (CR) cot\u00e9es, le tableau est beaucoup moins reluisant et t\u00e9moigne de pratiques indignes.<\/p>\n\n\n\n

    \n
  1. Au titre des mensonges, l\u2019affirmation reprise en ch\u0153ur par les CR cot\u00e9es selon laquelle\u00a0: \u00ab\u00a0pr\u00e8s de 90 % des r\u00e9sultats des CR sont conserv\u00e9s et r\u00e9investis dans des projets locaux porteurs de progr\u00e8s pour tous<\/em>\u00a0\u00bb. Si 90 % des r\u00e9sultats des CR cot\u00e9es \u00e9taient r\u00e9investis, le ratio CET 1 moyen des CR cot\u00e9es serait stable, puisque les nouveaux capitaux propres g\u00e9n\u00e9r\u00e9s par l\u2019activit\u00e9 se retrouveraient en cr\u00e9dits aux clients, r\u00e9duisant le ratio CET 1. Or ce ratio prudentiel est en croissance continue et, \u00e0 26\u00a0%, il est sup\u00e9rieur de la moiti\u00e9 \u00e0 son niveau de 2017.\u00a0<\/li>\n<\/ol>\n\n\n\n

    Ainsi, en annon\u00e7ant ses r\u00e9sultats du T1 2026, la CR Alpes Provence indique : \u00ab Le r\u00e9sultat net et l\u2019\u00e9pargne collect\u00e9e de la banque sont r\u00e9investis localement.<\/em> \u00bb Avant, elle a donn\u00e9 le chiffre de l\u2019\u00e9pargne que lui ont confi\u00e9e ses clients (27,2 Md\u20ac) et celui de ses encours de cr\u00e9dits (20,1 Md\u20ac). O\u00f9 se retrouve l\u2019\u00e9cart de 7,1 Md\u20ac, sinon plac\u00e9 hors de son territoire, et non localement comme elle le proclame ?<\/p>\n\n\n\n

    Pourquoi affirmer quelque chose d\u2019aussi faux depuis tant d\u2019ann\u00e9es ? Il n\u2019y a rien de malsain \u00e0 ce que l\u2019\u00e9pargne, g\u00e9n\u00e9r\u00e9e dans un d\u00e9partement ou une r\u00e9gion qui ne trouve pas \u00e0 s\u2019y investir, puisse \u00eatre allou\u00e9e l\u00e0 o\u00f9 il y a des besoins d\u2019investissements. Cette situation fut probablement vraie, il y a 30 ou 40 ans, mais depuis le monde a chang\u00e9, et les CR cot\u00e9es continuent de copier-coller des antiennes devenues des mensonges. Choquant pour des CR qui ont choisi d\u2019\u00eatre cot\u00e9es en Bourse.<\/p>\n\n\n\n

      \n
    1. Au titre des manipulations,\u00a0pourquoi les CR provisionnent-elles leurs cr\u00e9ances douteuses \u00e0 hauteur d\u2019environ 93 %, quand le reste du secteur bancaire se situe entre 58 % et 70 % ? LCL, pourtant dans le m\u00eame groupe, est \u00e0 58 %\u00a0… Les comptes de LCL ne sont pas pour autant faux.<\/li>\n<\/ol>\n\n\n\n

      Parall\u00e8lement, pourquoi les CR continuent-elles de passer des provisions au FRBG (fonds pour risques bancaires g\u00e9n\u00e9raux) qui sont \u00e9conomiquement injustifi\u00e9es (BNP Paribas et Soci\u00e9t\u00e9 G\u00e9n\u00e9rale ont cess\u00e9 ces pratiques il y des d\u00e9cennies) ? En effet, ces FRBG sont annul\u00e9s dans les comptes consolid\u00e9s, ce qui montre leur caract\u00e8re fictif. Les dotations au FRBG n\u2019\u00e9tant pas fiscalement d\u00e9ductibles, il s\u2019agit simplement de r\u00e9duire le r\u00e9sultat social. Ainsi la CR Normandie-Seine a r\u00e9duit de 10 % son r\u00e9sultat net 2025 gr\u00e2ce au FRBG.<\/p>\n\n\n\n

      La r\u00e9ponse est qu\u2019en r\u00e9duisant artificiellement le r\u00e9sultat social, les CR r\u00e9duisent les dividendes vers\u00e9s aux porteurs de CCI, ainsi que l\u2019int\u00e9ressement et la participation des salari\u00e9s calcul\u00e9s sur le r\u00e9sultat social. Les salari\u00e9s des CR appr\u00e9cieront…<\/p>\n","protected":false},"excerpt":{"rendered":"

      \u00c9pisode 7 Mensonges et manipulations dans les Caisses r\u00e9gionales cot\u00e9es du Cr\u00e9dit Agricole Le groupe Cr\u00e9dit Agricole aime se pr\u00e9senter comme un champion de l\u2019ESG. Mais lorsqu\u2019on regarde de pr\u00e8s les pratiques des Caisses r\u00e9gionales (CR) cot\u00e9es, le tableau est beaucoup moins reluisant et t\u00e9moigne de pratiques indignes. Ainsi, en annon\u00e7ant ses r\u00e9sultats du T1 […]<\/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-375","post","type-post","status-publish","format-standard","hentry","category-billets-linkedin"],"yoast_head":"\nLe Cr\u00e9dit Agricole devrait tourner la page [ep7] - 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\/09\/le-credit-agricole-devrait-tourner-la-page-ep7\/\" \/>\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 [ep7] - Site de l\u2019Association Nationale de D\u00e9fense des Porteurs de CCI du Cr\u00e9dit Agricole (ANDP-CCI)\" \/>\n<meta property=\"og:description\" content=\"\u00c9pisode 7 Mensonges et manipulations dans les Caisses r\u00e9gionales cot\u00e9es du Cr\u00e9dit Agricole Le groupe Cr\u00e9dit Agricole aime se pr\u00e9senter comme un champion de l\u2019ESG. 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