Groupe CCF

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.

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

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

• Retail banking services
• Wealth management advisory
• Specialized consumer financing
• Professional real estate lending
• Open architecture investment

Headquarters

HQ city

Courbevoie

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. 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.
2. Specialized Financing: Revenue from debt consolidation (regroupement de crédits), auto financing, and professional real estate financing. Interest-based revenue from loan portfolios.
3. 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

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core 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

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Paris EuroplacecoreGTM or Marketing Partner · 16 March 2026CCF Group joined Paris Europlace and CEO Niccolò Ubertalli appointed to Board of Directors. Organization federates and promotes Paris financial center in France and internationally.
• RothesayminorStrategic or Co-development Partner · 18 July 2025UK retirement insurance company partnering with CCF for acquisition of mortgage loan portfolio from HSBC Continental Europe totaling 6.7 billion euros.
• Rothschild & Co Asset ManagementcoreStrategic or Co-development Partner · 17 July 2025Partnership 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.comcoreTechnology or Integration · 4 March 2025Strategic 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.
• EurazeocoreStrategic or Co-development PartnerPrivate equity partnership with assets under management reaching 650M EUR in proactive funds on securities, including 74M EUR collected in 2025.
• Morgan StanleycoreStrategic or Co-development PartnerStructured products partnership. Product volumes reached nearly 260M EUR in 2025, compared to 150M EUR annually prior to migration.
• Crédit LogementcoreStrategic or Co-development PartnerMortgage 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

Direct 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

• LinkedInlinkedin.com/company/groupe-ccf

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries7 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Groupe CCF