Crédit Agricole Centre-Est

What Crédit Agricole Centre-Est does

Crédit Agricole Centre-Est is a regional cooperative bank (Caisse Régionale) operating within the Crédit Agricole Group network, headquartered in the Centre-Est region of France with its regional office in Lyon and operational base in Champagne-au-Mont-d'Or. It serves approximately 578,000 sociétaires (member-customers) across nine customer segments: individuals, private banking clients, professionals, farmers, associations, enterprises, public entities and social housing organizations, cross-border workers, and young people. The bank's offering is organized into four pillars: banking accounts and payment cards (with tiered formulas Prestige, Premium, Essentiel, and Eko), savings and investment products (Livret A, LDDS, LEP, PEL, PEA, PEA-PME, Compte Titres Ordinaire, ETF, and the Oriance life insurance contract), insurance (home, auto, health, and provident), and credit facilities (mortgage loans including Facilimmo and PTZ, consumer loans, student loans, revolving credit, and Agilauto vehicle leasing).

Distribution is hybrid: a physical branch network across the Centre-Est region complemented by the Ma Banque mobile application (iOS/Android), online banking portal, phone contact center, and online simulation/quotation tools, with payment interoperability via Apple Pay and Samsung Pay. The bank operates an ecosystem of wholly-owned subsidiaries — Square Habitat (real estate agency), Nexecur (security/telesurveillance), Crédit Agricole Immobilier (property development), Agilauto (vehicle leasing), and Propulse by CA (startup support) — that deepen cross-sell. The cooperative model underpins the value proposition: approximately 90% of regional results are retained locally and reinvested in territorial projects, and sociétaires hold ownership rights and participate in governance.

Revenue is generated through four streams: interest income on loans (mortgages, consumer credit, business credit) and savings products; banking fees and commissions (account management, cards, transactions); insurance premiums (home, auto, health, life, borrower); and investment/wealth management fees (securities trading, life insurance, advisory). The GTM combines enterprise field sales through branch advisors with self-serve digital channels, targeting SMB, individual/consumer, and enterprise buyers regionally. Brand marketing is supported by a national partnership with the Fédération Française de Football and an editorial content strategy via the 'Tout un mag' publication.

Name

Crédit Agricole Centre-Est

Legal name

Crédit Agricole Centre-Est

Website

https://ca-centrest.fr

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Crédit Agricole Centre-Est is a regional cooperative bank serving approximately 578,000 member-customers across the Centre-Est region of France with retail banking, mortgages, insurance, savings, investment, and wealth management products distributed via branches, digital channels, and a subsidiary ecosystem.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141), National Commercial Banks (6021), Savings Institutions, Not Federally Chartered (6036), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Retail banking
• Cooperative banking
• Consumer lending
• Wealth management
• Insurance products

Headquarters

HQ city

Champagne-au-mont-d'or

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: The bank generates revenue primarily through interest rate spreads on loans (mortgage loans, consumer loans, business loans) and savings products. Interest is charged on credit facilities including real estate loans, personal loans, and revolving credit.
2. Banking Fees and Commissions: Account management fees, transaction fees, card fees, and other banking service charges. The bank offers various account formulas (Prestige, Premium, Essentiel, Eko) with different fee structures and service levels.
3. Insurance Premiums: Revenue from insurance products including home insurance, auto insurance, health insurance, life insurance, and borrower insurance. Insurance products are offered through the bank's insurance subsidiary.
4. Investment and Wealth Management Services: Fees and commissions from investment services including securities trading (PEA, CTO accounts), life insurance (Oricane), and wealth management advisory services.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels8 records

Core offering

Crédit Agricole Centre-Est is a regional cooperative bank operating within the Crédit Agricole Group network, providing retail banking, savings, investment, insurance, and credit products to individual customers, professionals, farmers, businesses, associations, and public entities in the Centre-Est region of France. The bank distributes its offerings through physical branch agencies, digital self-service channels, and mobile banking applications, and reinvests approximately 90% of regional results into local territorial projects.

Product overview

Crédit Agricole Centre-Est is a regional cooperative bank offering a comprehensive suite of banking and financial services organized into four main pillars: banking accounts and cards (current accounts, credit cards), savings and investment products (deposit accounts like Livret A, LDD, LEP, PEL; investment vehicles like PEA, PEA-PME, Compte Titres, ETF; and life insurance through Oriance), insurance products (home, auto, health, and provident insurance), and credit facilities (mortgage loans including Prêt Immobilier Facilimmo and PTZ, consumer loans including Prêt Personnel, Prêt Étudiant, and revolving credit, as well as vehicle financing through LOA Agilauto). The bank also provides digital banking through its Ma Banque mobile application with Apple Pay and Samsung Pay integration, private banking services for high-net-worth clients, and socially responsible investment options through Amundi. The portfolio includes both standard offerings for retail customers and specialized products for professionals, farmers, associations, and public entities.

Differentiator

Problem solved

Functional benefit

Brands

• Oriance: Life insurance and savings contract offered by Crédit Agricole Centre-Est
• Eko
• Facilimmo
• Agilauto
• Ma Banque

Products and services

• Comptes et services bancaires (Banking Accounts and Services) Current bank accounts with multiple service tiers including Offre Prestige, Offre Premium, Offre Essentiel, and Offre Eko, designed for individual retail customers in France.
• Cartes bancaires (Bank Cards) Debit and credit cards including Mozaic Black, Mastercard Standard, Visa Classic, Gold Mastercard, and Visa Premier, each with varying benefits, limits, and target customer profiles.
• Livret A Tax-free savings account with guaranteed returns available to individual customers in France.
• LDDS (Livret de Développement Durable) Sustainable development savings account supporting environmentally and socially responsible projects, with tax-free interest.
• LEP (Livret d'Épargne Populaire) Tax-free savings account available to individual customers who meet French income eligibility criteria.
• Livret Jeune (Mozaic) Youth savings account for customers aged 12-25 offering competitive interest rates.
• Livret Engagé Sociétaire Engaged shareholder savings account with competitive returns for cooperative members (sociétaires) of Crédit Agricole Centre-Est.
• PEL (Plan Épargne Logement) French housing savings plan that accumulates funds and provides eligibility for a housing loan for future home purchases or construction.
• PEA (Plan d'Épargne en Actions) Tax-advantaged French equity savings plan offering 100% online management and exemption from custody fees for individual investors.
• PEA-PME Equity savings plan specifically designed for investing in small and medium-sized enterprise shares, with associated tax advantages.
• Compte Titres Ordinaire Ordinary securities account allowing individual customers to trade stocks, bonds, ETFs, and other listed financial instruments.
• ETF Exchange-traded funds providing diversified market exposure with low management fees, accessible through the bank's investment platform.
• Oriance (Life Insurance) Life insurance contract for wealth accumulation, retirement planning, and estate transmission, distributed by Crédit Agricole Centre-Est.
• Assurance Habitation Home insurance covering standard owners, young tenants, non-occupant owners, and tenants, including property and liability coverage.
• Assurance Auto Vehicle insurance covering cars and two-wheelers, with specific options for young drivers and various vehicle categories.
• Assurance Complémentaire Santé Supplementary health insurance providing additional medical coverage beyond the French national health insurance system for individual customers.
• Prêt Immobilier Facilimmo Home loan product with competitive rates for purchasing or refinancing residential property, distributed under the Facilimmo brand.
• PTZ (Prêt à Taux Zéro) Zero-interest government-backed loan available to eligible first-time homebuyers for the purchase of a primary residence.
• Prêt Personnel Unsecured personal loan for financing home improvements, vehicles, travel, or unexpected expenses, available with quick online approval.
• Prêt Étudiant Student loan designed to finance higher education expenses with favorable terms and deferred repayment options for students.
• Crédit Renouvelable Revolving credit facility providing a reusable credit line that customers can draw on and repay repeatedly as needed.
• LLD/LOA Agilauto Long-term vehicle rental (LLD) and lease with option to purchase (LOA) for new or used vehicles, provided by the Agilauto subsidiary.
• Éco PTZ Zero-interest eco-loan for financing energy-efficient home renovation and improvement projects.
• Téléassistance Remote personal assistance service providing emergency support for elderly or vulnerable customers through connected devices.
• Application Ma Banque Mobile banking application for iOS and Android providing account management, transfers, payments, and other banking services on mobile devices.
• Banque Privée Premium private banking service for high-net-worth individuals offering dedicated advisors, wealth management, estate planning, and specialized investment advisory.
• Amundi Valeurs Durables Socially responsible investment fund managed by Amundi, focused on sustainable and ethical companies, distributed by Crédit Agricole Centre-Est.

Named customers3 records

Segments9 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Square HabitatcoreChannel Partner/ Reseller/ DistributorReal estate agency network of Crédit Agricole, operating within the bank's distribution network to provide property buying, selling, and rental services to customers.
• NexecurcoreChannel Partner/ Reseller/ DistributorSecurity and alarm monitoring subsidiary of Crédit Agricole providing home security and telesurveillance services, marketed through the bank's distribution channels.
• Crédit Agricole ImmobiliercoreChannel Partner/ Reseller/ DistributorProperty development subsidiary of Crédit Agricole group providing commercial and residential property development services, working with regional banks for local projects.
• Propulse by CAminorChannel Partner/ Reseller/ DistributorStartup acceleration and support program of Crédit Agricole, helping entrepreneurs launch and grow their businesses with banking and advisory services.
• Fédération Française de FootballcoreGTM or Marketing PartnerFootball federation sponsorship partnership including Coupe du Monde sponsorship and the 'On a tous un côté foot' initiative, providing brand visibility and customer engagement through sports marketing.
• WonderboxminorGTM or Marketing PartnerGift box promotion partnership: Oricane insurance customers who make an initial investment of €3,500+ can participate in a lottery to win a €300 Wonderbox gift card.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Banque Populaire: BPCE-owned regional cooperative bank focused on SMEs, professionals, and retail customers. Comparable cooperative governance and regional operating model.
• LCL (Crédit Lyonnais): National French retail bank within the Crédit Agricole Group offering similar banking, insurance, and wealth products. Sister entity under the same parent with overlapping retail target market.
• Crédit Agricole Nord de France: Another Crédit Agricole regional cooperative bank serving northern France with the same mutualist model, full banking/insurance/wealth suite, and branch-plus-digital distribution.
• Crédit Mutuel: Major French cooperative banking group offering similar full-stack retail banking, insurance, and wealth services through a mutualist structure. Closest non-Crédit Agricole cooperative peer.
• Crédit Agricole Provence Côte d'Azur: Sister Caisse Régionale within the Crédit Agricole Group, operating the same cooperative retail-banking model in a different French region. Directly comparable on product suite, governance, and member-customer structure.
• Crédit Agricole Atlantique Vendée: Another sister Caisse Régionale in the Crédit Agricole network, operating the identical cooperative model, product suite, and multi-channel distribution in western France.
• Caisse d'Epargne: Regional cooperative bank network within BPCE group serving retail and public-sector clients with banking, insurance, and savings products. Directly comparable cooperative model with similar geographic segmentation.
• La Banque Postale: French retail bank (formerly postal savings arm) offering current accounts, savings, loans, and insurance to mass-market and public-sector customers, with a strong regional branch presence.

Broad incumbents

• BNP Paribas: Largest French banking group with extensive retail, insurance, and wealth franchises. Competes for the same retail and SME customers across France but operates as a listed universal bank, not a cooperative.
• Société Générale: Major French listed universal bank with a sizable retail network across France and full banking/insurance offerings. Competes for the same retail segments but at greater scale and with corporate banking as a larger revenue mix.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ca_centrest
• YouTubeyoutube.com/@CreditAgricoleOfficiel
• Facebookfacebook.com/Credit.agricole.Centre.est
• Instagraminstagram.com/creditagricole
• TikToktiktok.com/@creditagricole

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 records

Funding overview

Funding rounds

Investors

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

M&A

Investments6 records

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

Frequently asked questions about Crédit Agricole Centre-Est