What is a bank without shareholders?

8.6 millions members* guide the company's choices.
Discover the different organization of Crédit Mutuel, which allows decisions to be taken quickly, responsibly and good for the life of the local economy.

Our cooperative organization

A decentralized organization that serves people and regions

Crédit Mutuel Group

Confédération Nationale du Crédit Mutuel

The mission of Confédération Nationale du Crédit Mutuel (the group's central body) is to defend the group's collective interests, protect and promote the "Crédit Mutuel" brand and ensure the group's prudential coherence.

CNCM is a professional representative body that supervises and represents Crédit Mutuel and ensures its financial solidarity at the national level.

Regional federations

The 18 regional federations cover all the regions in France1 and are affiliated with Confédération Nationale du Crédit Mutuel

The local banks
(Crédit Mutuel Network)

Credit institutions under the French Monetary and Financial Code, the local banks are the driving force behind the group's proactivity and ability to respond quickly.


Subsidiaries and branches in a variety of sectors cater to all the needs of customers and members.

Crédit Mutuel around the world

With an international presence and locations in 13 European countries, the group generates 20% of its net banking income outside France.

1 Outside Reunion and Polynesia

2 Data at 12/31/2022

3 2022 figures