{"id":408,"date":"2026-06-20T10:27:32","date_gmt":"2026-06-20T09:27:32","guid":{"rendered":"https:\/\/www.andp-cci.org\/?p=408"},"modified":"2026-06-27T10:28:57","modified_gmt":"2026-06-27T09:28:57","slug":"le-credit-agricole-devrait-tourner-la-page-ep13-9-mde-de-capitaux-propres-sur-excedentaires-est-ce-encore-de-la-bonne-gestion","status":"publish","type":"post","link":"https:\/\/www.andp-cci.org\/index.php\/2026\/06\/20\/le-credit-agricole-devrait-tourner-la-page-ep13-9-mde-de-capitaux-propres-sur-excedentaires-est-ce-encore-de-la-bonne-gestion\/","title":{"rendered":"Le Cr\u00e9dit Agricole devrait tourner la page [ep13] 9 Md\u20ac de capitaux propres sur-exc\u00e9dentaires\u00a0: Est-ce encore de la bonne gestion\u00a0?\u00a0"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">\u00c9pisode 13<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est la question qui m\u2019a conduit \u00e0 devenir actif sur les CCI&nbsp;des 13 Caisses r\u00e9gionales (CR) cot\u00e9es du Cr\u00e9dit Agricole&nbsp;; d\u2019abord derri\u00e8re des portes closes, puis publiquement. Pour expliquer que la th\u00e9saurisation continue de sur-exc\u00e9dents de capitaux propres de 9 Md\u20ac actuellement, prive l\u2019\u00e9conomie fran\u00e7aise de&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>9 Md\u20ac de capitaux propres qui pourraient \u00eatre bien mieux allou\u00e9s qu\u2019ils ne le sont aujourd\u2019hui,<\/li>\n\n\n\n<li>ou de 53 Md\u20ac de nouveaux cr\u00e9dits avec un ratio CET1 de 17 %.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ces 13 CR \u00e9tant cot\u00e9es en Bourse, leurs d\u00e9ficiences de gouvernance p\u00e9nalisent les centaines de milliers de fran\u00e7ais d\u00e9tenteurs de CCI, souvent depuis des lustres, et dont les cours ne refl\u00e8tent pas la situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le 5 septembre 2023, j\u2019ai rencontr\u00e9 le DG D\u00e9l\u00e9gu\u00e9 de Cr\u00e9dit Agricole SA, en charge de la liquidit\u00e9 et de la solvabilit\u00e9 du groupe, \u00e0 qui j\u2019avais transmis pr\u00e9alablement une note d\u2019analyse et de propositions, reproduite sur le site de l\u2019Association Nationale de D\u00e9fense des Porteurs de CCI.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il m\u2019a indiqu\u00e9 qu\u2019il n\u2019avait pas d\u2019objection \u00e0 ce que les CR mettent en \u0153uvre mes pr\u00e9conisations&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>le versement d\u2019un dividende exceptionnel permettant de ramener leur ratio CET1 au niveau d\u00e9j\u00e0 copieux de 17 %,\u00a0<\/li>\n\n\n\n<li>\u00e0 d\u00e9faut le rachat des CCI et la sortie de Bourse.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La d\u00e9cision ne lui appartenant pas, mais aux dirigeants des CR, il m\u2019a mis en relation avec le DGA de la FNCA charg\u00e9 de coordonner le dossier pour le compte des CR.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Celui-ci m\u2019a re\u00e7u le 21 novembre 2023 et m\u2019a indiqu\u00e9 que tant que les proc\u00e9dures judiciaires de Colette Neuville seraient en cours, il serait difficile d\u2019avancer sur le dossier.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J\u2019ai alors \u00e9chang\u00e9 avec Colette Neuville et les principaux plaignants, et ai revu le 19 janvier 2024 mon interlocuteur de la FNCA. Je lui ai indiqu\u00e9 que les plaignants \u00e9taient dispos\u00e9s \u00e0 se d\u00e9sister de toutes leurs proc\u00e9dures si les CR publiaient un communiqu\u00e9 prenant note de ce d\u00e9sistement et annon\u00e7ant une r\u00e9flexion strat\u00e9gique concernant l\u2019avenir de la cotation boursi\u00e8re des CCI.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il m\u2019a r\u00e9pondu pr\u00e9f\u00e9rer attendre le jugement de la cour d\u2019appel d\u2019Amiens en juin 2024. Il a toutefois pr\u00e9cis\u00e9, dans une formule visiblement pr\u00e9par\u00e9e, que \u00ab&nbsp;<em>l\u2019arr\u00eat des proc\u00e9dures judiciaires ouvrirait une phase de r\u00e9flexions et d\u2019actions potentielles<\/em>&nbsp;\u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">J\u2019ai ensuite adress\u00e9 aux 13 DG des CR cot\u00e9es une note ad hoc exposant mon analyse de la situation et des \u00e9volutions envisageables, notes qui sont disponibles sur le site de l\u2019ANDP-CCI, en leur demandant rendez-vous.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En violation des recommandations de Paris Europlace (dont le Cr\u00e9dit Agricole est membre) en mati\u00e8re de dialogue entre les \u00e9metteurs et les investisseurs, tous ont refus\u00e9 de me recevoir.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je leur ai alors indiqu\u00e9 que ce refus ne ferait pas dispara\u00eetre le probl\u00e8me et que mes r\u00e9flexions pourraient leur \u00eatre utiles. J\u2019ai alors eu des retours inattendus qui m\u2019ont montr\u00e9 que certains DG de CR partagent mon avis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 la semaine prochaine pour la suite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tagger<\/strong>, si pas assez de place tant pis on ne les mettra pas tous, les mettre dans cet ordre<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Eric Vial&nbsp;: https:\/\/www.linkedin.com\/in\/eric-vial\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Olivier Gavalda&nbsp;: https:\/\/www.linkedin.com\/in\/olivier-gavalda\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jerome Grivet&nbsp;: <a href=\"https:\/\/www.linkedin.com\/in\/jerome-grivet\/\">https:\/\/www.linkedin.com\/in\/jerome-grivet\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Laurent Fromageau&nbsp;: <a href=\"https:\/\/www.linkedin.com\/in\/laurent-fromageau-b7643a6a\/\">https:\/\/www.linkedin.com\/in\/laurent-fromageau-b7643a6a\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Richard Laborie&nbsp;: https:\/\/www.linkedin.com\/in\/richard-laborie-83367845\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nicolas Langevin&nbsp;: <a href=\"https:\/\/www.linkedin.com\/in\/nicolas-langevin-29357b17\/\">https:\/\/www.linkedin.com\/in\/nicolas-langevin-29357b17\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jean-Yves Carillet&nbsp;: <a href=\"https:\/\/www.linkedin.com\/in\/jean-yves-carillet\/\">https:\/\/www.linkedin.com\/in\/jean-yves-carillet\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nathalie Mourlon&nbsp;: https:\/\/www.linkedin.com\/in\/nathalie-mourlon\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pierre Fort&nbsp;: <a href=\"https:\/\/www.linkedin.com\/in\/pierre-fort-4ba78423\/\">https:\/\/www.linkedin.com\/in\/pierre-fort-4ba78423\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gaelle Regnard&nbsp;: <a href=\"https:\/\/www.linkedin.com\/in\/ga\u00eblle-regnard-8197ab60\/\">https:\/\/www.linkedin.com\/in\/ga\u00eblle-regnard-8197ab60\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Marie-Agn\u00e8s Chesneau-Langevin&nbsp;: https:\/\/www.linkedin.com\/in\/marie-agn\u00e8s-chesneau-langevin-22674ab5\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Christophe Grelier&nbsp;: https:\/\/www.linkedin.com\/in\/christophe-grelier-9321483a\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Laurent Martin&nbsp;: <a href=\"https:\/\/www.linkedin.com\/in\/laurent-martin-57393b97\/\">https:\/\/www.linkedin.com\/in\/laurent-martin-57393b97\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Michel Ganzin&nbsp;: <a href=\"https:\/\/www.linkedin.com\/in\/michel-ganzin\/\">https:\/\/www.linkedin.com\/in\/michel-ganzin\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Karine Bourguignon&nbsp;: <a href=\"https:\/\/www.linkedin.com\/in\/karine-bourguignon-90251b269\/\">https:\/\/www.linkedin.com\/in\/karine-bourguignon-90251b269\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Laure Belluzo&nbsp;: <a href=\"https:\/\/www.linkedin.com\/in\/laure-belluzzo\/\">https:\/\/www.linkedin.com\/in\/laure-belluzzo\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thomas Groh&nbsp;: <a href=\"https:\/\/www.linkedin.com\/in\/thomas-groh-7b98a9\/\">https:\/\/www.linkedin.com\/in\/thomas-groh-7b98a9\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Martin Landais&nbsp;: https:\/\/www.linkedin.com\/in\/martin-landais-6123571\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c9pisode 13 C\u2019est la question qui m\u2019a conduit \u00e0 devenir actif sur les CCI&nbsp;des 13 Caisses r\u00e9gionales (CR) cot\u00e9es du Cr\u00e9dit Agricole&nbsp;; d\u2019abord derri\u00e8re des portes closes, puis publiquement. Pour expliquer que la th\u00e9saurisation continue de sur-exc\u00e9dents de capitaux propres de 9 Md\u20ac actuellement, prive l\u2019\u00e9conomie fran\u00e7aise de&nbsp;: Ces 13 CR \u00e9tant cot\u00e9es en Bourse, [&hellip;]<\/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-408","post","type-post","status-publish","format-standard","hentry","category-billets-linkedin"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le Cr\u00e9dit Agricole devrait tourner la page [ep13] 9 Md\u20ac de capitaux propres sur-exc\u00e9dentaires\u00a0: Est-ce encore de la bonne gestion\u00a0?\u00a0 - 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\/06\/20\/le-credit-agricole-devrait-tourner-la-page-ep13-9-mde-de-capitaux-propres-sur-excedentaires-est-ce-encore-de-la-bonne-gestion\/\" \/>\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 [ep13] 9 Md\u20ac de capitaux propres sur-exc\u00e9dentaires\u00a0: Est-ce encore de la bonne gestion\u00a0?\u00a0 - 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 13 C\u2019est la question qui m\u2019a conduit \u00e0 devenir actif sur les CCI&nbsp;des 13 Caisses r\u00e9gionales (CR) cot\u00e9es du Cr\u00e9dit Agricole&nbsp;; d\u2019abord derri\u00e8re des portes closes, puis publiquement. 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