Caisse d'Epargne Rhone Alpes

What Caisse d'Epargne Rhone Alpes does

Caisse d'Epargne Rhône Alpes is a regional cooperative bank headquartered in Lyon, operating under the legal name Caisse d'Epargne et de Prévoyance de Rhône Alpes. It serves retail, professional, enterprise, social economy, and local authority customers across five French departments (Ain, Isère, Rhône, Savoie, Haute-Savoie) through a network of 280 branches and 7 specialized business centers. As of recent disclosures, the bank employs approximately 3,000 people, holds €1.15 billion in share capital, and serves more than 435,000 client-sociétaires who collectively own 100% of the cooperative through 10 Sociétés Locales d'Epargne.

The bank's product portfolio spans traditional retail and corporate banking (accounts, cards, deposits, lending, payment services, insurance intermediation) plus specialized offerings including the Prêt à Impact (interest rates indexed to environmental/societal outcomes), green loans, and the Banxo mobile application for iOS and Android. Sector-specific expertise is delivered through dedicated agencies covering Innovation, Mountain, Health, Social and Solidarity Economy (ESS), Knowledge Economy, and Winegrowers. The bank operates two wholly-owned subsidiaries — HUB612 (a tech startup accelerator) and Banque du Lém (a Swiss subsidiary in Geneva and Lausanne) — and runs Hyperia Banque Privée for high-net-worth clients. The institution is part of Groupe BPCE and is regulated by the ACPR.

The revenue model is built on net interest income, fee-based banking services, and insurance intermediation across retail, professional, enterprise, and public sector segments, supplemented by regional impact financing volumes. Distribution is omnichannel: dense physical branch coverage for relationship banking, 7 specialized business centers for enterprise and sector-specific needs, the Banxo digital channel, and cross-border capabilities through Banque du Lém. The cooperative structure channels deposits back into the regional economy via foundation sponsorship, green and social lending (€337M in green credits and €645M for social economy/housing/public sector in 2025), and active support for ~37,000 regional enterprises.

Name

Caisse d'Epargne Rhone Alpes

Legal name

Caisse d'Epargne et de Prévoyance de Rhône Alpes

Website

https://caissedepargnerhonealpes.fr

Company type

Private

Founded year

1820

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Caisse d'Epargne Rhône Alpes is a Lyon-based cooperative regional bank serving retail, professional, enterprise, social economy, and local authority customers across five French departments via 280 branches, 7 specialized business centers, the Banxo mobile app, and a Swiss subsidiary.

Ownership category

akta.pro rank

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking Services: Traditional banking services including deposits, lending, payment services, insurance intermediation, and financial management for retail, professional, and enterprise customers
2. Green and Impact Lending: Specialized financing products including Impact Loans (Prêt à Impact) with interest rates indexed to environmental and societal objectives, and green loans for ecological transition

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Caisse d'Epargne Rhone Alpes is a regional cooperative bank offering current accounts, payment cards, savings, consumer and mortgage loans, insurance intermediation, wealth management (Hyperia Banque Privée) and corporate financing to retail, professional, enterprise and public-sector clients across five French departments. It distributes these services through a 280-branch network, seven sector-specialised business centers and the Banxo digital banking application, and develops dedicated impact-lending products such as the Prêt à Impact and green loans.

Product overview

Caisse d'Epargne Rhône Alpes operates as a regional cooperative bank offering a comprehensive portfolio of banking and financial products. The core offerings include traditional banking services (accounts, cards, loans, savings) delivered through physical branches and digital channels. The Banxo mobile application serves as the primary digital interface. The bank has developed specialized business segments including Innovation Agency, Montagne, Santé, ESS, Economie de la Connaissance, and Banque des Viticulteurs. Value-added services include the Club des Sociétaires member program and innovative financing products such as the Prêt à Impact. The bank also operates subsidiaries including HUB612 (tech startup accelerator) and Banque du Léman (Swiss subsidiary), as well as Hyperia Banque Privée for wealth management.

Differentiator

Problem solved

Functional benefit

Brands

• Banxo: Mobile banking application for clients to access their accounts and benefits
• HUB612
• Banque du Léman
• Hyperia Banque Privée
• Agence Innovation
• Communauté Montagne
• Agence ESS
• Agence Economie de la Connaissance

Products and services

• Banxo Mobile Application Mobile banking application for iOS and Android that allows clients to access their accounts, manage banking services and use Club des Sociétaires (member club) benefits on the go.
• Club des Sociétaires Exclusive benefits and events program reserved for customer-members (sociétaires) of the cooperative bank, accessible through the Banxo app.
• Compte Jeune (Youth Account) Banking account for young people aged 18-28 offered at 0€ with a Visa Classic card, covering all services in the Individual Initial Formula with no income or usage conditions.
• Prêt à Impact (Impact Loan) Innovative financing product where interest rates are indexed to environmental and/or societal objectives, designed for enterprises and local authorities committed to sustainable development.
• Green Loans (Prêts Verts) Range of green loans available to economic actors for their ecological transition, supporting environmental projects and sustainable investments.
• Hyperia Banque Privée Private banking service launched in 2021, designed to accompany executives, shareholders and high-net-worth clients in managing and developing their private and professional wealth.
• Banque du Léman Wholly-owned subsidiary of Caisse d'Epargne Rhône Alpes operating banking services in Switzerland with branches in Geneva and Lausanne, serving cross-border clients.
• Ma Transaction Immobilière Service to simplify the purchase or sale of real estate property, providing comprehensive support for real estate transactions.

Quantifiable outcome

• 337M€ green credits distributed (+188% YoY)
• +5 more outcomes

Named customers6 records

Segments6 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

Feature1 record

Partnerships

Six partnerships are on record, tiered major, minor and core.

• France MontagnesmajorStrategic or Co-development Partner · 12 February 2026Strategic partnership for sustainable development and promotion of French mountain territories. Aims to enhance mountain attractiveness and support mountain economy stakeholders.
• France Rénov'minorStrategic or Co-development PartnerNational energy renovation advisory service partner providing guidance to individual clients on renovation projects supported by the bank.
• Fédération Française de SkimajorGTM or Marketing PartnerNational partnership with French Ski Federation for 26 years. Supports Team Ski Caisse d'Epargne Rhône Alpes and winter sports development.
• Ligue Auvergne-Rhône-Alpes du Sport AdaptéminorGTM or Marketing PartnerPartnership supporting adapted sports in the region, reinforcing sports sponsorship commitment.
• La Banque du LémancoreOEM/ Whitelabel/ Licensing PartnerSubsidiary bank of Caisse d'Epargne Rhône Alpes operating in Switzerland (Geneva, Lausanne) to serve cross-border and Swiss clients.
• HUB612coreOEM/ Whitelabel/ Licensing PartnerInnovative startup acceleration structure operated by the bank to support tech startups in the region.

Scale indicators15 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Caisse d'Epargne Loire Drôme Ardèche (CELDA): Sister regional Caisse d'Epargne bank operating under the same Groupe BPCE cooperative model in adjacent departments; shares BPCE infrastructure, Caisse d'Epargne brand, and cooperative governance structure, making it the closest direct comparable for region-level performance and product strategy.
• Caisse d'Epargne Auvergne Limousin (CEPAL): Another sister regional Caisse d'Epargne with overlapping Auvergne-Rhône-Alpes footprint; jointly invested with CERA in the regional sovereign fund, providing a like-for-like benchmark on cooperative savings-bank economics.
• Caisse d'Epargne Côte d'Azur: Sister regional Caisse d'Epargne in southeastern France; same cooperative ownership model, BPCE backing, and product catalog, useful for benchmarking branch productivity and sector-agency strategy outside the Alpine context.
• Banque Populaire Auvergne Rhône Alpes: Sister Banque Populaire bank sharing the same Auvergne-Rhône-Alpes territory and co-investing with CERA in FITRA; same regional cooperative DNA and customer segments (retail, pros, enterprises) with the BPCE group's other retail banking arm.
• Crédit Coopératif: French cooperative bank specialized in the Social and Solidarity Economy (ESS), social housing, and impact lending — directly comparable to CERA's ESS agency and Prêt à Impact strategy; competing for the same impact-conscious institutional and association clients.

Broad incumbents

• Crédit Agricole Centre Est: Regional branch of France's largest cooperative bank group with deep retail and SME presence across eastern France including Rhône-Alpes; directly competes for the same retail, professional, and enterprise customers with overlapping branch density.
• Crédit Mutuel Arkéa: French cooperative banking group with regional mutuals and a digital subsidiary (Fortuneo); comparable in cooperative DNA and product breadth, competing for the same retail/SME banking relationships with strong digital capabilities.
• La Banque Postale: French public postal bank serving retail, local authorities, and social housing — a direct competitor in the public-sector/social-housing financing segment where CERA deployed €645M in 2025.
• Société Générale: Major French universal bank with strong regional presence and corporate banking capabilities; competes with CERA's enterprise and business centers for SME and mid-market relationships across the Rhône-Alpes region.

Emerging players

• Boursorama Banque: France's leading online bank (Société Générale subsidiary) and the primary digital-native threat to CERA's retail franchise; competes on price, mobile UX, and 24/7 service — exactly the segments where CERA's 280-branch model is most exposed.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/caissedepargnerhonealpes
• LinkedInlinkedin.com/company/caissedepargnerhonealpes
• Instagraminstagram.com/caissedepargne_rhonealpes
• Xx.com/CE_RhoneAlpes

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 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 Caisse d'Epargne Rhone Alpes