Crédit Agricole next bank
Origin of Crédit Agricole next bank
On November 20, 2017, Crédit Agricole Financements changed its name to Crédit Agricole next bank.
Crédit Agricole next bank (Suisse) SA is a Swiss-based private bank headquartered in Geneva for more than 15 years.
Crédit Agricole has offices in Geneva (three branches), Basel, Lausanne, Friborg, Yverdon, Neuchâtel, Zurich, and La Chaux-de-Fonds.
Crédit Agricole next bank has five major shareholders, CA Centre-Est, CA des Savoie, CA Indosuez Wealth Management, CA Franche-Comté, CA Alsace Vosges.
The Group ranks second regarding capital in France, has branches in over 70 countries and employs more than 160’000 people. The Group has 52 million individual clients worldwide, and the shareholder’s equity stays at 98.6 billion Euro.
Crédit Agricole has always had a strong presence in France and finances every second home in the border regions. Based on more than 15 years of experience in Switzerland, Crédit Agricole next bank (Suisse) SA provides their customers with its know-how. In just fifteen years, Crédit Agricole next bank (Suisse) SA has managed to establish itself as one of the largest players in the Swiss real estate market.
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Philosophy and Strategy
As the leading bank in the customer’s region, Crédit Agricole next bank aims to offer their clients an active and mobile solution that fully meets the client’s key needs: simplifying daily financial transactions, implementing residential projects and proactively preparing for retirement. The bank’s expertise in cross-border transactions and the backing of a large European group makes Crédit Agricole next bank an ideal partner.
With the banks original and flexible model for multiplying the client’s points of contact with the advisors, Crédit Agricole next bank aims to be available at all times and is facilitating access to quality services.
Crédit Agricole ’s daily commitment lies in the best possible fulfillment of the needs of their customers and in keeping the bank’s promises to their customers. The bank prepares the solutions as precisely as possible to fulfill the client’s needs. For the bank, it is important to maintain their teams with the highest degree of expertise and always acts forward-looking and innovative.
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Services and Solutions
Crédit Agricole next bank offers a first-class service thanks to its advisors who are experts in all matters of property finance. They offer private individuals tailor-made financing solutions for the acquisition or construction of a primary or secondary residence or a rental property in Switzerland or France.
Since 2009, Crédit Agricole next bank is offering retail banking and is offering useful everyday banking products and services.
Crédit Agricole next bank (Suisse) SA accompanies and advises their clients in all important stages of life. Whether it’s investing cash to finance a future project or simply making the most out of the client’s savings, the bank offers tailor-made solutions that meet the client’s needs and wishes.
To simplify their clients’ lives, Crédit Agricole next bank (Suisse) SA offers all-inclusive packages that cover the basic needs of banking products (private account + Maestro card + e-banking + savings account). With just one product the client benefits from a multitude of advantages.
Crédit Agricole next bank (Suisse) SA is committed to securing the client’s future and the future of the client’s loved ones. Accordingly, in the area of the 3rd pillar, the bank offers pension solutions with which the client can build up savings capital and save taxes (depending on the tax jurisdiction). A third pillar is also an excellent way to optimize the financing of the client’s property.
Risk Management
Crédit Agricole next bank is exposed to the following risks: the credit risk, the interest rate risk, the liquidity risk, the compliance risk, the operational risk, and the reputation risk. Monitoring, identifying and measuring the risks is essential for the bank.
The primary goal of the bank is to maintain top-notch solvency and preserve its good reputation.
The Board of Directors sets the risk policy that determines the limits for each type of risk incurred by the Bank. Internal reporting guarantees appropriate information to the bank’s management.
Crédit Agricole next bank regularly conducts a solvency review of the credits they give to their clients and also regularly evaluates the real estate pledge. High-risk credits are monitored very frequently.
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Added-Value Services
If the customer frequently commutes between Switzerland and France (for shopping, holidays, work, etc.) and wants to view their accounts even more easily without having to change the app every time, then there is a new service to view accounts of different banks.
Crédit Agricole next bank offers Switzerland’s first bank account aggregator. With just a few clicks, it will allow the client to add different accounts, view account balances and account activities, and easily switch from one account to the other.
Having a consistent overview of the bank accounts and, in particular, the free and unlimited SEPA transfers included in the package makes the necessary payment orders from Switzerland no longer a problem.
The aggregator saves the customer a lot of time by eliminating the need to type in passwords for each bank account separately. Banking data are fully encrypted during the synchronization process, so the service is completely secure.
After the name change Crédit Agricole next bank also changed their philosophy based on their values, a development project focused on proximity to their clients. Crédit Agricole next bank is a partner of the Swiss Canyon Trail. This event took place between June 9 and June 10, 2018, in the canton of Neuchâtel. The Swiss Canyon Trail is a unique sporting event with five races between 25 and 105 km. The event is focused on nature and matches Crédit Agricole next bank’s goal of being “next to you.”
Crédit Agricole next bank – Facts & Figures
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| Address | Esplanade de Pont-Rouge 4-6, 1211 Geneva |
|---|---|
| Phone | +41 58 331 23 45 |
| Website | www.ca-nextbank.ch |
| Year of foundation | 2000 |
| Subsidiaries | – |
| No. of employees | 223 |
| Rating | – |
| Chairman | Laurent Bennet |
| CEO | Thibault Reversé |
| Eligible Regulatory Capital | 427.484 m CHF |
| Tier 1 Ratio | 17.60 % |
| Leverage Exposure | 6.068 bn CHF |
| Leverage Ratio | 6.70 % |
| Liquidity Coverage Ratio | 279 % |
| Risk Weighted Assets | 2.310 bn CHF |
| Loans outstanding | 5.165 bn CHF |
| Assets under Management | – |
| Assets under Management / Employees | – |
| Net profit | 10.044 m CHF |
| Net Profit / Employees | 45’040 CHF |
| Cost / Income Cost Ratio (CIR) | 77.27 % |
| Return on Equity | 2.41 % |
| Own structured products | No |
| Foreigners accepted | Yes |
| Presence abroad | No |
Source: Annual Report 2021
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