Crédit Agricole Anjou Maine

What Crédit Agricole Anjou Maine does

Crédit Agricole Anjou Maine is a regional cooperative bank (Caisse régionale) operating under the Crédit Agricole Group and serving the Maine-et-Loire and Mayenne departments of France's Pays de la Loire region, with its headquarters in Le Mans/Angers. It provides a full-service retail, professional, agricultural, SME, public-entity, and private-banking offering — current accounts across four tiers (Prestige, Premium, Essentiel, Eko), regulated savings products (Livret A, LDDS, LEP, PEL, Livret Jeune, Carré Bleu), consumer and mortgage credit, life insurance (Oriance, Vers l'Avenir, Gestion Accompagnée), securities accounts (PEA, PEA-PME, CTO, ETF, Invest Store), retirement plans (PER Compte Titres, PER Assurance), and a broad insurance line spanning home, auto, two-wheelers, micro-mobility, health, and borrower cover. The bank distributes through a hybrid of local physical branches, the Ma Banque mobile app, an online banking portal, and partner networks including Square Habitat (real estate), Agilauto (vehicle leasing), Nexecur (télésurveillance), BCTI (energy diagnostics), and BRITLINE (international payments), with Apple Pay and Samsung Pay for contactless payments.

The revenue model is a mix of interest income from loans (mortgages, consumer, auto, agri, professional), transaction fees and account management charges from the tiered account packages, recurring insurance premiums, and recurring savings/investment management fees (life insurance wrappers, Amundi ESG funds, brokerage). Customer acquisition combines community-led and direct-to-consumer motions: 378,000+ sociétaires hold ownership stakes and participate in governance, while digital channels (social media across Facebook, Instagram, YouTube, X, TikTok, LinkedIn), online simulators, and the sociétaire referral network generate top- and mid-funnel demand. Near 90% of regional results are reinvested locally in territorial projects, reinforcing the cooperative value proposition. The bank is privately held within the Crédit Agricole Group, is not publicly traded, and has 1,001-5,000 employees; financial figures (revenue, deposits, loan book) are not separately disclosed at the regional level.

Name

Crédit Agricole Anjou Maine

Legal name

Crédit Agricole Anjou Maine

Website

https://ca-anjou-maine.com

Company type

Private

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Crédit Agricole Anjou Maine is a French regional cooperative bank (Caisse régionale) serving 378,000+ sociétaires across Maine-et-Loire and Mayenne with full-service retail, professional, agricultural, SME, public-entity, and private banking, distributed via branches, the Ma Banque mobile app, and partner networks.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036), National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

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

akta.pro secondary industries

Public Sector & Municipal Credit Unions (FSABAEAK), Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Retail banking
• Savings accounts
• Insurance products
• Cooperative banking
• Wealth management

Headquarters

HQ city

Le Mans

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Interest Income: Traditional banking revenue from interest on loans including mortgages, personal loans, and business credit facilities. The bank offers various credit products including real estate loans (Prêt Immobilier Facilimmo, PTZ), consumer loans, student loans, auto loans, and professional financing.
2. Fee and Commission Income: Revenue from banking service fees, account management fees (tiered account offerings: Prestige, Premium, Essentiel, Eko), card fees, and transaction commissions.
3. Insurance Premiums: Revenue from insurance products including home insurance, auto insurance, health insurance, death/disability insurance, legal protection, and borrower insurance.
4. Savings and Investment Products: Revenue from savings accounts (Livret A, LEP, LDDS, PEL, etc.), life insurance (Oriaance, Gestion accompagnée), and investment services (CTO, PEA, ETF, Invest Store).
5. Leasing and Vehicle Financing: Revenue from vehicle leasing (LLD/LOA Agilauto) and financing solutions.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Crédit Agricole Anjou Maine is a regional cooperative bank that provides day-to-day banking accounts and cards (with Apple Pay/Samsung Pay mobile payments), regulated and dedicated savings accounts, life insurance and retirement savings plans (PER), investment vehicles (PEA, PEA-PME, CTO, ETF), and a full personal-lines insurance catalogue covering home, auto/two-wheelers, health and buildings. It also serves professionals, farmers, associations, enterprises, public collectivities and private banking clients across the Pays de la Loire region through a branch-and-digital model with cooperative ownership.

Differentiator

Problem solved

Functional benefit

Brands

• Oriance: Life insurance contract offered by Crédit Agricole Anjou Maine
• Ma Banque

Products and services

• Mozaic Black Premium credit card targeting young professionals, offering exclusive benefits and elevated spending limits within the Ma Banque card range.
• Mastercard Standard Standard international debit/credit Mastercard offering worldwide payment acceptance and standard card benefits for everyday banking.
• Visa Classic Classic Visa card offering everyday banking convenience with standard insurance and assistance protections on the Visa network.
• Gold Mastercard Gold-tier Mastercard providing elevated insurance coverage, concierge services and travel benefits for premium retail customers.
• Visa Premier Premium Visa card delivering enhanced travel insurance, purchase protection and concierge services.
• Livret A Regulated, tax-free passbook savings account widely used by French residents for emergency savings, with competitive interest rates.
• LDDS (Livret de Développement Durable) Tax-free savings account that funds environmentally and socially responsible projects under the French sustainable-development framework.
• LEP (Livret d'Épargne Populaire) Tax-free savings account for lower-income households providing higher interest rates than the standard livrets.
• Livret Jeune Youth savings account for French residents aged 12-25, offering competitive rates and age-specific features under the Mozaic range.
• PEL (Plan d'Épargne Logement) French home savings plan enabling customers to accumulate funds and obtain a mortgage loan for property purchase.
• Livret Engagé Sociétaire Savings account reserved for Crédit Agricole sociétaires (member-customers), offering loyalty benefits tied to cooperative membership.
• Carré Bleu 4 ans Medium-term savings product from the Carré Bleu range, requiring a 4-year commitment and offering enhanced remuneration versus passbook accounts.
• Oriance Life Insurance Life insurance contract offering flexible investment options, fund-management mandates and online subscription with waived entry fees.
• Vers l'Avenir Life Insurance Life insurance savings product geared to medium-to-long-term wealth building and retirement planning.
• Compte Titres Ordinaire Ordinary securities account enabling investment in stocks, bonds, funds and other financial instruments outside tax-advantaged wrappers.
• PEA (Plan d'Épargne en Actions) Tax-advantaged French equity savings plan allowing residents to invest in European equities with capital-gains tax benefits.
• PEA-PME Equity savings plan similar to the PEA but focused on French and European SMEs (PME/ETI), with its own contribution ceiling and tax advantages.
• ETF (Exchange-Traded Funds) Exchange-traded funds made available through the bank, offering diversified exposure across asset classes and geographies.
• Invest Store Self-directed online brokerage service for trading equities, funds and other securities with real-time market access.
• Amundi Valeurs Durables Socially responsible investment fund managed by Amundi, targeting companies with strong ESG and sustainable value practices.
• Amundi France Engagement Engagement-focused investment fund managed by Amundi that invests in French companies demonstrating positive societal impact.
• PER Compte Titres Retirement savings plan (Plan d'Épargne Retraite) held within a securities account, offering tax advantages for retirement contributions.
• PER Assurance Retirement savings plan structured as an insurance contract, providing tax-deductible retirement savings with death-benefit options.
• Assurance Habitation Home insurance covering property damage, civil liability and contents for homeowners and tenants.
• Assurance Habitation Jeune Tailored home insurance for young adults and first-time renters at an affordable price point.
• Assurance Locataire Tenant insurance covering civil liability and contents for renters; often mandatory under French tenancy agreements.
• Assurance Propriétaire Non Occupant (PNO) Insurance for non-occupying property owners, covering civil liability and property damage in rented-out residences.
• Assurance Immeuble Multi-risk building insurance covering residential or commercial buildings and common areas against damage and liability.
• Télésurveillance Nexecur Remote monitoring and alarm service for homes, offered in partnership with Nexecur, providing 24/7 surveillance and emergency response.
• Assurance Auto Vehicle insurance covering civil liability, damage, theft and assistance for cars and other motor vehicles.
• Assurance Auto Jeune Conducteur Car insurance tailored for new drivers, designed around the specific risk profile of young motorists.
• Assurance Moto Motorcycle insurance covering two-wheeled vehicles against civil liability, damage and theft.
• Assurance Scooter Scooter and small motorbike insurance providing coverage for urban mobility vehicles.
• Assurance Trottinette Électrique Insurance covering electric scooters and other personal mobility devices such as e-scooters.
• Assurance Complémentaire Santé Top-up health insurance covering medical expenses not reimbursed by the French public health system (Sécurité sociale).

Quantifiable outcome

• Nearly 90% of regional results reinvested locally in territorial development

Named customers3 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• AmundicoreTechnology or IntegrationAmundi is the asset management subsidiary of Crédit Agricole Group, providing investment management services including Amundi Valeurs Durables (sustainable investment) and Amundi France Engagement (engagement investing) through the bank's investment platform.
• Apple PaycoreTechnology or IntegrationMobile payment integration allowing customers to make contactless payments using Apple devices.
• Samsung PaycoreTechnology or IntegrationMobile payment integration allowing customers to make contactless payments using Samsung devices.
• NexecurminorChannel Partner/ Reseller/ DistributorTelesurveillance and security services partner offering home security solutions to bank customers.
• AgilautocoreChannel Partner/ Reseller/ DistributorVehicle leasing and long-term rental services (LLD/LOA) for auto financing needs.
• Square HabitatcoreChannel Partner/ Reseller/ DistributorReal estate agency network providing property search, purchase, and rental services in the region.
• BCTIminorChannel Partner/ Reseller/ DistributorEnergy diagnostic and audit services for property energy efficiency assessments.
• BRITLINEminorChannel Partner/ Reseller/ DistributorInternational payment services for currency exchange and cross-border transactions, serving English-speaking customers.

Scale indicators3 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• La Banque Postale: Public banking subsidiary of La Poste, serving retail customers and local public entities across France with a similar full-service offering (accounts, savings, insurance, loans). Comparable on retail banking focus and public-sector client coverage.
• Banque Populaire: French cooperative banking network under Groupe BPCE, also organized as regional banks serving individuals, professionals, and businesses. Direct comparable on cooperative model, regional structure, and product portfolio.
• Caisse d'Epargne: French cooperative savings bank network under Groupe BPCE, with regional Caisses serving retail and SME customers via a mutual model. Directly comparable to Crédit Agricole Anjou Maine in structure, customer segments, and product mix.
• Crédit Mutuel: France's other major cooperative banking group, operating under a mutual model across multiple regional federations including Crédit Mutuel Arkéa in western France. Highly comparable to Crédit Agricole Anjou Maine in customer base, governance, and product scope.

Broad incumbents

• BNP Paribas: France's largest listed bank, offering full-service retail, corporate, and investment banking. Competes with Crédit Agricole Anjou Maine in retail and SME banking with broader capabilities and a national footprint.
• Société Générale: Major French listed bank with full-service retail, corporate, and investment banking. Competes across Crédit Agricole Anjou Maine's customer segments at a national level with greater scale and capital flexibility.

Regional players

• Crédit Agricole Bretagne: Sister Caisse Régionale within the Crédit Agricole Group serving Brittany. Comparable in size, member-owned model, and product range; useful operational benchmark for Anjou Maine.
• Crédit Agricole Normandie: Sister Caisse Régionale within the Crédit Agricole Group serving Normandy. Closest comparable in cooperative structure, product offering, and scale, though operating in a different French region.
• Crédit Agricole Atlantique Vendée: Sister Caisse Régionale within the Crédit Agricole Group serving the adjacent Pays de la Loire region. Operates under the same cooperative model, same product suite, and same group brand; useful benchmark for regional bank operations.

Emerging players

• Boursorama Banque: France's leading online-only bank, owned by Société Générale, competing directly for digitally-native retail customers. Represents the digital-first competitive threat to Crédit Agricole Anjou Maine's younger segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/caanjoumaine
• YouTubeyoutube.com/channel/UC7c7XAXgUQarHCMzGBf-Aew
• Facebookfacebook.com/credit.agricole.anjou.maine
• LinkedInlinkedin.com/company/cr%C3%A9dit-agricole-anjou-maine
• Instagraminstagram.com/creditagricole_anjoumaine
• TikToktiktok.com/@ca_anjoumaine

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

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 Crédit Agricole Anjou Maine