Banque des Territoires

What Banque des Territoires does

Banque des Territoires is the territorial financing arm of Groupe Caisse des Dépôts (CDC), the French state-owned public financial institution established in 1816; it was created in 2012 to consolidate CDC's offering to French local public actors. It serves French communes, departments, regions, social housing providers (5.4 million units, 17% of the rental market), public enterprises (SEM/SPL/SEMOP), legal professionals, social-and-solidarity-economy organisations, and private companies executing territorial impact projects, delivering long-, medium- and short-term loans at rates indexed to the Livret A regulated savings rate (e.g., Livret A + 0.60%), minority equity and quasi-equity investments, consignment and escrow services, and territorial engineering/advisory. Loan amortisations extend to 60 years on ecological-transition facilities, and a European Investment Bank partnership enables fixed-rate products for education and health borrowers.

Its product surface is structured around dedicated loan programmes (Prêt Territoires Santé, Prêt Cohésion Sociale, Prêt Transformation Écologique, Prêt Renouvellement Urbain, PLUS/PLS/PHARE/PAM/Éco-Prêt social-housing loans), investment vehicles (renewable energy, BESS, biodiversity, carbon cooperatives, social and inclusive housing), and a portfolio of national programmes managed on behalf of the French state (France 2030, EduRénov, Action Cœur de Ville, Petites villes de demain, France Services, AGiLE, Aquagir, Santé et Grand Âge, Territoires d'IA, InvestEU). Digital infrastructure comprises a DSP2-compliant payment API, the Ciclade unclaimed-assets platform, the mon-compte.banquedesterritoires.fr client portal, Dataviz and PrioRéno decision-support tools, the Open Data CDC platform, and the HexaDone joint venture (with Orange) for territorial data management — the latter having acquired Hyvilo in 2026 to integrate 'management objects' modules.

Commercial activity is conducted through 28 regional directions across metropolitan France and overseas territories, providing face-to-face advisory from project conception through to financing. Revenue mechanics combine net interest income from regulated-rate public-sector lending, equity and quasi-equity returns (dividends, capital gains, e.g., 2026 partial sale of 107.1 MW onshore wind to Octopus Energy Generation), banking and consignment fees, and programme-management fees from state-mandated initiatives — in effect a public-purpose lending and impact-investment franchise rather than a commercial banking operation.

Name

Banque des Territoires

Legal name

Banque des Territoires

Website

https://banquedesterritoires.fr

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Banque des Territoires is the territorial financing arm of France's state-owned Groupe Caisse des Dépôts, providing regulated-rate loans, equity investments, engineering and national programme management to French local authorities, social housing providers, public enterprises and impact-driven organisations.

Ownership category

akta.pro rank

Product category

Public Sector Banking & Territorial Development Finance

NAICS

Public Finance Activities (92113), Administration of Housing Programs, Urban Planning, and Community Development (9251), Management, Scientific, and Technical Consulting Services (5416)

SIC

Savings Institutions, Not Federally Chartered (6036), Services-Engineering Services (8711)

akta.pro primary industry

Green/Climate Development Banks & Funds (FSABAKAH)

akta.pro secondary industries

Development Finance, Guarantees & Blended Finance Programs (BPADABAM), Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF), Infrastructure & Project Finance Advisory (BPAHADAO)

Keywords

• Public sector banking
• Territorial development finance
• Social housing loans
• Infrastructure investment
• Municipal lending

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income from Public Sector Lending: Banque des Territoires extends loans to local authorities, social housing providers, public enterprises, and legal professionals at rates indexed to the Livret A savings rate (e.g., Livret A + 0.60%). Products include short-, medium-, and long-term loans, specialised loans for healthcare (Prêt Territoires Santé), ecological transition (Prêt Transformation Écologique), cohesion (Prêt Cohésion Sociale), social housing (PLS, PLUS, PHARE, PAM, Éco-Prêt), and education (EduRénov). The spread over Livret A and European Investment Bank partnerships for fixed-rate products generate interest income.
2. Equity and Quasi-Equity Investment Returns: The institution takes minority equity and quasi-equity positions in project companies across renewable energy, biodiversity, carbon cooperatives, social housing, and territorial infrastructure. Returns accrue through dividends, capital gains on exits, and appreciation of portfolio holdings.
3. Banking and Financial Services Fees: Fees from consignment services (handling deposits in litigation, expropriation, and preemption cases), payment processing, account management, card services, and digital banking tools. Consignations are free to manage with funds earning market returns.
4. Engineering and Advisory Services: Banque des Territoires provides territorial engineering services (project structuring, feasibility studies, technical expertise) often as a precursor to financing, as well as managing national programmes (France 2030, EduRénov, Action Cœur de Ville, Petites villes de demain) on behalf of the French state, generating programme management fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

Banque des Territoires provides territorial development finance and engineering services to French local authorities, social housing providers, public enterprises, legal professionals, and impact-driven private companies. Core offerings include short-, medium- and long-term loans at rates indexed to the Livret A savings rate, equity and quasi-equity investments in urban development, energy, environment, housing, digital infrastructure, mobility, health and tourism, plus consignment and escrow services, banking services, and territorial engineering advisory. It also manages major national programmes on behalf of the French state (France 2030, France Services, Action Cœur de Ville, EduRénov, Petites villes de demain, Aquagir, AGiLE, Territoires d'IA) and the EU InvestEU programme in France.

Product overview

Banque des Territoires, a subsidiary of Groupe Caisse des Dépôts, operates as a unified platform offering a comprehensive portfolio of financial products, services, and national programs for territorial development. The offering combines: (1) Core banking services including Ingénierie Territoriale (territorial engineering), short/medium/long-term loans (Prêts), investment products (Investissement), escrow services (Consignations), banking services, and digital tools (Dataviz, PrioRéno); (2) Specialized loan products including Prêt Territoires Santé, Prêt Cohésion Sociale, Prêt Transformation Écologique, and Prêt Renouvellement Urbain; (3) National programs including EduRénov (school building renovation), Territoires d'IA (sovereign AI), France Services (administrative services), Aquagir (water management), Action Cœur de Ville (city revitalization), AGiLE (student housing), France 2030, InvestEU, and various sector-specific programs; and (4) Impact investments in ESS (Social and Solidarity Economy), healthcare, inclusion, and environmental projects including Coopérative Carbone and France Béguinages. The company also offers a DSP2-compliant API for third-party payment service providers.

Differentiator

Problem solved

Functional benefit

Products and services

• Ingénierie Territoriale (Territorial Engineering) Territorial engineering services providing project structuration, feasibility studies, innovation support and data/AI advisory to public authorities and project promoters across the full project lifecycle.
• Prêts court et moyen terme (Short- and Medium-Term Loans) Short- and medium-term loan products for public-sector actors and legal professions (notaries, lawyers, bailiffs, auctioneers), covering operational financing, office establishment and digital transformation of professional premises.
• Prêts long terme (Long-Term Loans) Long-term loans covering housing creation, housing rehabilitation, territorial projects, land financing and real-estate park development for French local authorities and social housing providers, with sub-products including Prêt Territoires Santé, Prêt Cohésion Sociale, Prêt Transformation Écologique and Prêt Renouvellement Urbain.
• Investissement (Equity and Quasi-Equity Investment) Direct equity and quasi-equity investments in urban development, education, energy, environment, biodiversity, housing, digital infrastructure, mobility, health and tourism projects, taking minority stakes with patient capital.
• Consignations et dépôts spécialisés (Consignations and Specialised Deposits) Consignment and escrow services for litigation and expropriation deposits, guarantee consignations, third-party funds management, and the Ciclade online search for unclaimed assets held by Caisse des Dépôts.
• Services bancaires (Banking Services) Banking services for institutional and public-sector clients including remote banking, banking-partnership conventions, payment solutions, fiducie (trust), term deposits and banking operations optimisation.
• Services digitaux (Digital Services) — Dataviz, Outils et simulateurs, PrioRéno Digital services including sectoral tools and simulators, the Dataviz territorial-data visualisation tool, and PrioRéno Logement Social for prioritising and tracking social-housing energy renovation actions.
• Prêt Territoires Santé Long-term indexed loan (Livret A + 0.60%, 10–15 years, pre-financing up to 2 years) for constructing, acquiring or renovating maisons de santé pluriprofessionnelles and centres de santé in priority intervention zones designated by Regional Health Agencies.
• Prêt Cohésion Sociale Long-term loan (25–60 years amortisation, up to 5 years drawdown period) for social cohesion and territorial development projects including public-building renovation, health infrastructure, mobility and disaster reconstruction at Livret A + 0.60%.
• Prêt Transformation Écologique Competitively priced medium-to-long-term loan (up to 60 years) targeting ecological transition, biodiversity preservation and environmental projects, with variable rates indexed to Livret A or fixed-rate options via the European Investment Bank partnership.
• Prêt Renouvellement Urbain (PRU-AM) Long-term loan financing urban renewal operations and redynamisation projects in priority urban areas and city centres through the Politique de la Ville framework.
• EduRénov Programme National action programme for energy renovation of French school buildings, offering dedicated loans and engineering support targeted at 10,000 primary, middle and high schools by 2027 within a €2 billion / 5-year envelope.
• Territoires d'IA Programme National programme co-financing sovereign AI deployment in French local authorities through targeted co-funding, engineering support and documented replicable use cases for public administration.
• Aquagir Programme National programme supporting sustainable water management projects (rainwater harvesting, greywater recycling, soil de-impermeabilisation) by helping French territories accelerate projects from definition to financing.
• France Services Network National single-window service-point network co-financed and supported by Banque des Territoires, with 1,745+ guichets providing administrative services and 4,000+ digital advisors combating digital exclusion in rural and QPV areas.
• France 2030 Investment Plan National investment plan for France's future operated by Banque des Territories, including skills and future jobs programmes, sustainable-city demonstrators and innovation territories.
• InvestEU Programme Partner Implementing-partner role under the European InvestEU programme, channelling EU investment into French territorial strategic investments.
• Action Cœur de Ville Programme National programme for revitalising French medium-sized city centres, supporting urban renewal and economic development through coordinated financing and engineering.
• Petites villes de demain Programme National programme accelerating economic recovery and development in French small and medium-sized towns.
• AGiLE (Agir pour le logement étudiant) Programme Five-year national programme for the construction and rehabilitation of French student housing to address structural supply shortages.
• Santé et Grand Âge Programme National programme supporting French territories in adapting to ageing-related challenges and healthcare access, with initiatives for elderly care infrastructure.
• Coopérative Carbone de La Rochelle (Equity Stake) €300,000 equity investment in the Coopérative Carbone de La Rochelle, a local SCIC (cooperative) supporting territorial carbon-compensation projects under the Label Bas Carbone framework.

Quantifiable outcome

• 40% energy savings in renovated school buildings under EduRénov (target for 10,000 schools by 2027)
• +5 more outcomes

Named customers16 records

Segments8 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature4 records

Partnerships

Seven partnerships are on record, tiered major and minor.

• EDFmajorStrategic or Co-development Partner · 26 June 2026EDF, in partnership with Banque des Territoires and La Banque Postale, announced emergency funding of over $130 million to install cooling systems in schools, care homes, and nurseries across France during the 2026 record heat wave. As of June 2026, 42.2 million people across 72 departments were under red alert for extreme heat.
• SDNP (Société des Nouveaux Patrimoines)minorStrategic or Co-development Partner · 16 June 2026SDNP, Pro BTP, and Banque des Territoires formed a joint foncière to acquire housing units in new-build programmes in Île-de-France. Properties will be resold to buyers through the Neoproprio shared ownership solution developed by Xavier Lépine and Olivier Ramé, facilitating access to property in the new-build housing sector in the Paris region.
• TagEnergymajorStrategic or Co-development Partner · 3 June 2026TagEnergy commissioned France's largest battery energy storage system (BESS) in Cernay-lès-Reims (240 MW/480 MWh) — more than twice the capacity of the second-largest BESS in the country — developed in partnership with Tesla Megapack and Banque des Territoires. This is TagEnergy's first operational asset in France.
• SUEZmajorStrategic or Co-development Partner · 28 January 2026SUEZ and Banque des Territoires secured a 12-year public service delegation contract from Sydetom66 for the operation of a waste treatment and recovery facility in Calce (Pyrénées-Orientales). The ~€420M contract covers construction and operation of a new sorting centre, a non-recyclable waste preparation centre, and an existing energy-from-waste plant, serving 500,000 residents (up to 1M seasonally).
• SUEZ (Hérault Méditerranée contract)majorStrategic or Co-development Partner · 23 January 2026SUEZ, with financial backing from Banque des Territoires, secured a 15-year contract renewal (from July 3, 2026) to operate drinking water, sewerage, and on-site sanitation for Hérault Méditerranée Urban Community. The €55M investment programme includes a €14M anaerobic digester at the Posidonia wastewater treatment plant in Agde, producing 3.6 GWh biomethane annually from 2029.
• OrangeminorStrategic or Co-development Partner · 7 January 2026HexaDone, a joint venture between Orange and Banque des Territoires, acquired Hyvilo, a startup based in Besançon, France, to strengthen territorial data management capabilities. The acquisition integrates Hyvilo's 'management objects' business modules into HexaDone's platform, enabling local authorities and real estate managers to transform raw data into actionable operational tools.
• France ActiveminorGTM or Marketing PartnerFrance Active, alongside Banque des Territoires, mobilises to support ESS (social and solidarity economy) enterprises by providing access to networks and local financing solutions. Mentioned as a key partner in providing ESS sector clients access to local networks.

Scale indicators20 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• BPI France: The French public investment bank providing financing, guarantees, and equity to French SMEs and infrastructure projects. Directly comparable as a state-backed development finance institution offering loans, equity, and innovation support across the French economy, including green and territorial development.
• Agence France Locale: French local authority funding agency that issues bonds on capital markets to refinance French communes, departments, and regions. A direct peer in the specific niche of public-sector infrastructure financing, sharing the same public-sector borrower base across France.
• La Banque Postale: French public bank serving local authorities, public enterprises, and retail customers; co-invests with Banque des Territoires in emergency cooling programmes. Closely comparable mission (public banking tied to Caisse des Dépôts / La Poste group) and overlapping public-sector lending franchise.
• Crédit Coopératif: French cooperative bank focused on the Social and Solidarity Economy (ESS), ethical finance, and social enterprises. Directly comparable for Banque des Territoires' ESS financing, associative bonds, and inclusive-housing activities.
• KfW: German state-owned development bank financing domestic territorial, climate, housing, and SME projects at below-market rates via sovereign-backed funding. Highly comparable in mandate, funding-cost advantage, and product mix (loans, equity, advisory, programme management).
• Council of Europe Development Bank (CEB): Multilateral development bank with a social development mandate financing housing, education, and health infrastructure across Europe. Comparable in providing long-dated public-sector infrastructure finance for social impact, with similar blended-finance and programme co-funding mechanics.
• Nordic Investment Bank (NIB): International multilateral development bank owned by Nordic and Baltic states, financing green, infrastructure, and SME projects at member-state level. Comparable in providing long-term below-market finance alongside EU programmes, with a mandate-driven, mission-aligned lending model.

Broad incumbents

• Caisse d'Épargne: Major French mutual savings bank with deep regional presence, active in public-sector lending, social housing, and territorial development. Overlaps in distribution (regional banks), product set, and customer base but with broader retail and corporate activities.
• European Investment Bank (EIB): EU-level development bank providing long-term finance for infrastructure, environment, health, and education projects. An active partner (and competitor) of Banque des Territoires via the Prêt Cohésion Sociale and InvestEU programmes, with overlapping green, health, and education lending.
• Société Générale (Public Sector & Infrastructure): Major French universal bank with a large public-sector, infrastructure, and project finance franchise across France and Europe. Overlaps with Banque des Territoires in infrastructure and renewable-energy project finance but serves a broader corporate/institutional client base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/BanqueDesTerr
• YouTubeyoutube.com/channel/UCEYjEYFApmoF217Ks1Tg4Sw
• LinkedInlinkedin.com/showcase/banque-des-territoires-par-la-caisse-des-depots
• Instagraminstagram.com/banquedesterr

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments102 records

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

Frequently asked questions about Banque des Territoires