Groupe CCF
Groupe CCF is a French banking group owned by Cerberus Capital Management, operating retail and patrimonial banking under the CCF brand and specialized financing through My Money Bank subsidiaries. It serves 800,000+ individuals and 30,000+ professionals across France via open-architecture wealth advisory and a national branch network.
- Company typePrivate
- Founded1917
- HeadquartersCourbevoie, France
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Groupe CCF does
Groupe CCF is a privately-held French banking group operating two divisions: retail and patrimonial banking under the CCF (Crédit Commercial de France) brand, and specialized financing through subsidiaries My Money Bank, Somafi-Soguafi, Sorefi, and My Partner Bank. The Group was formed when Cerberus Capital Management, which acquired the platform in 2017, completed the acquisition of HSBC Continental Europe's retail banking operations in France on January 1, 2024, creating a balance sheet exceeding €31 billion and a client base of over 800,000 individuals and 30,000+ professionals.
The core retail proposition is an open-architecture patrimonial model in which independent advisors curate investment solutions from leading third-party managers — notably managed mandates from Rothschild & Co Asset Management, private equity from Eurazeo, and structured products from Morgan Stanley — alongside full-service banking. Operational technology is centered on process automation: consumer credit decisions have been compressed from ten validation steps to near-instantaneous, mortgage principle decisions are delivered at first appointment for over 60% of files, and Crédit Logement guarantees 90% of mortgage originations. The professional client segment is supported by an EBICS-based integration with ECMA's jedeclare.com platform linking to 25+ accounting tools.
Revenue is generated through interest income on lending (consumer credit, mortgages, professional real estate, auto financing in French Overseas Departments), fee income from wealth management advisory and investment product distribution (collecte nette of +€164M on investment products in 2025), and transactional banking services. FY2025 net banking income was €801M with a normalized operating result of €140M and a one-off accounting net loss of -€575M reflecting transformation charges. The Group employs between 1,001 and 5,000 staff, operates exclusively in France, and maintains capital markets funding through covered bond issuers CCF SFH and MMB SCF.
Groupe CCF firmographics
Firmographics- Name
- Groupe CCF
- Legal name
- Groupe CCF
- Website
- https://groupeccf.fr
- Company type
- Private
- Founded year
- 1917
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Groupe CCF is a French banking group owned by Cerberus Capital Management, operating retail and patrimonial banking under the CCF brand and specialized financing through My Money Bank subsidiaries. It serves 800,000+ individuals and 30,000+ professionals across France via open-architecture wealth advisory and a national branch network.
- Ownership category
- akta.pro rank
Groupe CCF industry classification
Industry- Product category
- Retail Banking and Wealth Management
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221), Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141), State Commercial Banks (6022)
- akta.pro primary industry
- Specialty Finance / Structured Credit (FSANADAE)
- akta.pro secondary industries
- Real Estate Private Credit (CRE Debt) (FSANADAG), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Groupe CCF is headquartered
LocationHeadquarters
- HQ city
- Courbevoie
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Groupe CCF business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Retail Banking & Wealth Management: Interest income from lending activities combined with fee income from banking services, wealth management advisory, and investment product distribution through open architecture model.
- Specialized Financing: Revenue from debt consolidation (regroupement de crédits), auto financing, and professional real estate financing. Interest-based revenue from loan portfolios.
- Investment Products Distribution: Fee income from distribution of investment products including managed mandates (Rothschild & Co), private equity (Eurazeo), and structured products (Morgan Stanley). Collecte nette of +164M EUR on investment products in 2025.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Welcome offer for new clients - 3% current account + Visa Premier |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels6 records
Groupe CCF product offering
Product offeringCore offering
Groupe CCF is a French banking group providing retail banking and wealth management services to individual and professional clients through a network of branches throughout France, complemented by specialized financing activities. The retail banking division offers current accounts, mortgages, consumer credit, savings, insurance, and open-architecture wealth management solutions, while the specialized financing arm delivers debt consolidation, automotive financing in French Overseas Departments, and professional real estate lending.
Product overview
Groupe CCF is a century-old French banking group operating two main divisions: retail banking under the CCF brand and specialized financing activities. The retail banking division offers comprehensive banking services through a branch network serving 800,000 clients, including wealth management with an open architecture model providing independent investment selection, managed mandates, private equity (via Eurazeo), and structured products (via Morgan Stanley). The specialized financing division encompasses debt consolidation (regroupement de crédits), automotive financing in French Overseas Departments, and professional real estate financing. The group also operates covered bond issuers (CCF SFH and MMB SCF) for capital markets funding. Key sub-brands include My Money Bank, Somafi-Soguafi, Sorefi, and My Partner Bank.
Differentiator
Problem solved
Functional benefit
Products and services
- CCF Retail Banking Comprehensive retail banking services operated under the CCF (Crédit Commercial de France) brand, including current accounts, savings, mortgages, personal loans, insurance, and digital banking for 800,000 individual and professional clients across France.
- Debt Consolidation (Regroupement de crédits) Specialized financing combining multiple existing loans into a single consolidated loan, simplifying repayment management for individual clients in metropolitan France.
- Automotive Financing (Financement Automobile) Specialized auto loan financing services for individual clients in French Overseas Departments (Départements d'Outre-mer), enabling vehicle purchases through tailored credit solutions.
- Professional Real Estate Financing (Crédit Immobilier Professionnel) Specialized commercial real estate lending for businesses, providing financing solutions for professional property acquisitions and development projects.
- CCF Wealth Management Patrimonial banking services with open architecture model providing independent selection of investment solutions from leading financial institutions, including managed mandates (Rothschild & Co), private equity (Eurazeo), and structured products (Morgan Stanley) for high-net-worth clients.
- CCF Current Account (3% Welcome Offer) Current account with promotional 3% interest rate for new customers, combined with complimentary Visa Premier card, offered as an introductory welcome package to attract new clients.
- My Money Bank (Specialized Financing) Brand operating specialized financing activities including debt consolidation and auto financing, formerly the parent company name before rebranding to Groupe CCF.
- My Partner Bank Partner banking brand offering specialized financing products through distribution partnerships to partners serving end customers.
Quantifiable outcome
- 140 M€ normalized operating result in 2025
- +5 more outcomes
Companies that use Groupe CCF
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Groupe CCF technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature2 records
Groupe CCF partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Paris EuroplacecoreCCF Group joined Paris Europlace and CEO Niccolò Ubertalli appointed to Board of Directors. Organization federates and promotes Paris financial center in France and internationally.
- RothesayminorUK retirement insurance company partnering with CCF for acquisition of mortgage loan portfolio from HSBC Continental Europe totaling 6.7 billion euros.
- Rothschild & Co Asset ManagementcorePartnership for discretionary wealth management mandates (Gestion sous mandat). CCF became the first external partner of Rothschild & Co AM in 2025 with 3,000 mandates signed representing 300M EUR collected.
- ECMA / jedeclare.comcoreStrategic partnership with ECMA, publisher of jedeclare.com platform for accounting professionals. Enables automated and secure collection of banking data for professional clients through EBICS connection, integrated with 25+ accounting tools. Partnership to extend to automatic tax return transmission.
- EurazeocorePrivate equity partnership with assets under management reaching 650M EUR in proactive funds on securities, including 74M EUR collected in 2025.
- Morgan StanleycoreStructured products partnership. Product volumes reached nearly 260M EUR in 2025, compared to 150M EUR annually prior to migration.
- Crédit LogementcoreMortgage insurance partner enabling 90% of mortgage originations to be guaranteed by Crédit Logement, facilitating risk management and lending capacity.
Scale indicators11 records
Recent moves7 records
Expansion highlights6 records
Groupe CCF competitors and assessment
Company assessmentDirect peers
- Monabanq: French online retail bank serving individual and professional clients with relationship banking and wealth services. Comparable in serving professional and individual client segments with digital-first relationship model in France.
- La Banque Privée 1818 (Natixis): French private banking subsidiary of Natixis (Groupe BPCE), focused on wealth management, estate planning, and investment advisory. Comparable mid-tier French private/wealth bank with similar HNW client focus and patrimonial banking model.
- BforBank: Online retail bank subsidiary of Crédit Agricole, focused on mass-affluent clients with wealth management and investment offerings. Comparable in targeting similar high-net-worth and professional customer segments with relationship-driven model.
- Boursorama: French online and retail bank owned by Société Générale, serving ~6M clients with retail banking, savings, and brokerage. Most directly comparable mid-tier French retail/wealth competitor with digital-led model serving mass-affluent and professional clients.
- Fortuneo Banque: French online bank subsidiary of Crédit Mutuel Arkéa, serving ~1M clients with retail banking, savings, and investment products. Comparable in serving mass-affluent and professional clients with digital-led relationship banking model in France.
- Cofidis: French consumer credit specialist (subsidiary of Crédit Mutuel), market leader in debt consolidation (regroupement de crédits) and personal lending. Directly comparable specialized financing competitor operating in the same debt consolidation and consumer credit segments as My Money Bank.
Others
- Rothschild & Co Asset Management: Global asset manager and CCF's core managed mandate partner since 2025. Comparable as a partner and broader wealth/asset manager serving French HNW clients with overlapping customer segments and investment product offerings.
Broad incumbents
- LCL (Le Crédit Lyonnais): Major French retail bank subsidiary of Crédit Agricole, serving individual, professional, and wealth clients through branch network across France. Comparable as a similarly-sized French retail and wealth banking competitor with relationship-driven branch model.
- HSBC Continental Europe: Global bank that sold its French retail banking operations to CCF in 2024. Comparable as a former French retail and wealth banking operator with overlapping customer base and product mix in France.
- BNP Paribas Personal Finance: BNP Paribas subsidiary focused on consumer credit, personal loans, and debt consolidation in France and globally. Comparable as a large-scale French consumer credit and personal finance provider overlapping with CCF's specialized financing activities.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Groupe CCF social profiles
Digital presenceGroupe CCF financial estimates
Financial estimateRevenue estimate
Valuation estimate
Groupe CCF leadership team
Management profileNumber of profiles
Profiles8 records
Groupe CCF subsidiaries and ownership
Company hierarchySubsidiaries7 records
Groupe CCF funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Groupe CCF M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Groupe CCF
What does Groupe CCF do?
Groupe CCF is a French banking group providing retail banking and wealth management services to individual and professional clients through a network of branches throughout France, complemented by specialized financing activities. The retail banking division offers current accounts, mortgages, consumer credit, savings, insurance, and open-architecture wealth management solutions, while the specialized financing arm delivers debt consolidation, automotive financing in French Overseas Departments, and professional real estate lending.
Is Groupe CCF a public or private company?
Groupe CCF is a private company. It is classified as private equity controlled and is currently operating.
When was Groupe CCF founded?
Groupe CCF was founded in 1917. It employs 1,001 to 5,000 people.
Where is Groupe CCF based?
Groupe CCF is headquartered in Courbevoie, France, in the Europe region.
How does Groupe CCF make money?
Three revenue lines are on record. Retail Banking & Wealth Management is the primary driver. The others are specialized Financing and investment Products Distribution.
Who are Groupe CCF's main competitors?
Direct peers on record are Monabanq, La Banque Privée 1818 (Natixis), BforBank, Boursorama, Fortuneo Banque and Cofidis. Rothschild & Co Asset Management is listed as an others. Broad incumbents are LCL (Le Crédit Lyonnais), HSBC Continental Europe and BNP Paribas Personal Finance.
Does Groupe CCF have an API?
No public API is recorded for Groupe CCF.
What industry is Groupe CCF in?
Groupe CCF's product category is Retail Banking and Wealth Management. Its primary akta.pro industry code is FSANADAE, Specialty Finance / Structured Credit, with a secondary code of FSANADAG, Real Estate Private Credit (CRE Debt). Its NAICS code is 522110 and its SIC code is 6141.