Credit Agricole Aquitaine

What Credit Agricole Aquitaine does

Credit Agricole Aquitaine is a regional cooperative bank and insurance distributor headquartered in Bordeaux, France, operating as one of 39 Caisses Régionales within the publicly listed Crédit Agricole Group (Euronext Paris: ACA). The entity serves retail customers (Particuliers), self-employed professionals (Professionnels), farmers (Agriculteurs), businesses (Entreprises), public entities (Collectivités publiques), and associations across the Aquitaine territory, with ownership held by its sociétaires (member-customers) under the cooperative model.

The platform spans a comprehensive product suite including tiered banking accounts (Prestige, Premium, Essentiel, Eko at €2/month), six credit card variants, savings vehicles (Livret A, LDDS, LEP, PEA, PEA-PME, ETFs), retirement plans (PER, PER Compte Titres, PER Assurance), life insurance (Oriance), mortgages (Facilimmo, PTZ, Éco PTZ), consumer credit, vehicle financing (Agilauto LOA/LLD), and a full insurance catalogue (home, auto, health, death, funeral, personal accident, borrower, legal protection, mobile device). Distribution operates through physical regional branches combined with the Ma Banque iOS/Android mobile application, credit-agricole.fr online portal, and Apple Pay/Samsung Pay integrations. Insurance underwriting is conducted through group subsidiaries PACIFICA (P&C) and PREDICA (life), while investment products leverage Amundi asset management.

Revenue derives from three primary streams: net interest margin on lending (mortgages, consumer credit, professional loans), insurance premiums distributed across the product catalogue, and wealth management fees on savings and investment products. The entity benefits from the group's €2-€6/month low-ticket subscription pricing model targeting younger segments, alongside premium tiers for higher-net-worth clients. Digital self-service is paired with human advisor-led sales for complex products. No specific revenue figure is disclosed for the regional entity, though the parent group's 12 million sociétaires and national scale provide material cross-sell and brand leverage.

Name

Credit Agricole Aquitaine

Legal name

Crédit Agricole SA

Website

https://credit-agricole.fr

Company type

Public

Founded year

1894

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Credit Agricole Aquitaine is a Bordeaux-based regional cooperative bank and insurance distributor serving retail, professional, agricultural, business, and public sector customers across the Aquitaine territory within the publicly listed Crédit Agricole Group, offering banking, credit, savings, and insurance products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Consumer Lending (522291)

SIC

National Commercial Banks (6021), Personal Credit Institutions (6141), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

• Retail banking services
• Consumer credit products
• Savings and investment accounts
• Life and health insurance
• Wealth management solutions

Headquarters

HQ city

Bordeaux

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Banking Operations: Traditional banking revenue from interest margins on loans (mortgages, consumer credit, professional lending), current account fees, and deposit management
2. Insurance Premiums: Revenue from insurance products including home insurance, auto insurance, health insurance, borrower insurance, and life insurance through PACIFICA and PREDICA subsidiaries
3. Wealth Management: Private banking services and investment products including life insurance (ORIANE), retirement savings plans (PER), and financial investments

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Credit Agricole Aquitaine is a regional cooperative bank providing retail banking accounts, credit cards, savings and investment products, mortgages and consumer loans, vehicle leasing, and a comprehensive insurance offering (home, auto, health, life, funeral, accident, borrower, legal, mobile device). Services are delivered through physical branches in the Aquitaine region, the credit-agricole.fr online portal, and the Ma Banque mobile application, with dedicated financial advisors for complex products.

Product overview

Credit Agricole Aquitaine operates as a regional cooperative bank and insurance provider within the Credit Agricole Group, offering a comprehensive platform of banking and insurance products. The core offerings include multiple banking account tiers (Prestige, Premium, Essentiel, and Eko digital), credit card portfolios (Mozaic Black, Visa Premier, Gold Mastercard, Visa Classic, Mastercard Standard), savings solutions (Livret A, LDDS, LEP, Livret Jeune, PEA, ETF), and retirement products (PER Compte Titres, PER Assurance, Oriance life insurance). Insurance coverage spans home (Assurances Habitation with Formula Jeune), auto, health, life/death, funeral expenses, and personal accident insurance (AAV). Credit products include mortgages (Facilimmo, PTZ, Eco PTZ), personal loans, student loans, vehicle financing (Agilauto LOA/LLD), and credit insurance. Digital tools include Ma Banque mobile app, Pilote Budget and Pilote Depenses budget trackers, and specialty services like Point Passerelle for financial difficulties. The platform integrates with Samsung Pay, Apple Pay, and distributes apps via Google Play and App Store.

Differentiator

Problem solved

Functional benefit

Brands

• Ma Banque: Mobile banking application for account management and daily banking operations
• Eko by CA
• Oriance
• Agilauto
• Facilimmo
• Pilote Budget
• Pilote Dépenses

Products and services

• Ma Banque Application Mobile banking application for iOS and Android that lets retail customers manage accounts, view transactions, make payments, and access financial services on smartphones and tablets.
• Offre Prestige Premium banking account package offering enhanced services, dedicated advisory support, and exclusive benefits for high-net-worth clients.
• Offre Premium Premium tier banking account with enhanced card benefits, insurance protections, and priority customer service.
• Offre Essentiel Essential banking account package providing core banking services, standard card, and basic insurance coverage at competitive pricing.
• Offre Eko Low-cost digital banking offer at €2/month with one card, one app, and one branch access, designed for budget-conscious customers seeking simple banking.
• Compte à Composer Module Budget Protégé Basic banking package at €1/month for financially vulnerable customers offering reduced fees and spending controls.
• Mozaic Black Premium credit card with high-end benefits, cashback options, and exclusive privileges for cardholders.
• Visa Premier Mid-tier premium credit card offering travel insurance, purchase protection, and concierge services.
• Gold Mastercard Premium credit card with travel benefits, extended warranty, and access to Mastercard exclusive experiences.
• Visa Classic Standard credit card providing basic banking services, contactless payment, and fraud protection.
• Mastercard Standard Entry-level credit card with essential banking features and worldwide acceptance.
• Livret A Tax-free savings account with government guarantee, competitive interest rate, and unlimited withdrawals.
• Livret Engagé Sociétaire Savings account for cooperative members (sociétaires) offering competitive rates and local reinvestment benefits.
• LDDS (Livret de Développement Durable) Sustainable development savings account supporting environmentally and socially responsible projects.
• LEP (Livret d'Épargne Populaire) Tax-advantaged savings account for low-income earners with higher interest rates than standard livrets.
• Livret Jeune Mozaic Savings account designed for young people aged 12-25 with age-appropriate features and benefits.
• Oriance Life Insurance Life insurance product underwritten by PREDICA offering flexible investment options, mandate management, and retirement savings, with 0% fees on online contributions until 31/12/2026.
• PER (Plan Épargne Retraite) Retirement savings plan offering tax advantages and flexible withdrawal options at retirement.
• PER Compte Titres Retirement savings plan held in a securities account with investment flexibility and tax optimization.
• PER Assurance Life insurance-based retirement savings plan offering guaranteed capital options and income drawdown flexibility.
• PEA (Plan d'Épargne en Actions) Tax-advantaged equity savings plan allowing investment in European stocks and funds with tax benefits after 5 years.
• PEA-PME Tax-advantaged savings plan for investing in small and medium-sized enterprises with similar tax benefits to standard PEA.
• ETF Investment Service Exchange-Traded Funds offering diversified market exposure through professionally managed baskets of securities.
• Amundi Valeurs Durables Socially responsible investment fund focusing on sustainable companies meeting ESG criteria, distributed through Crédit Agricole.
• Amundi France Engagement Responsible investment fund engaging with French companies on ESG practices and sustainable performance.
• Crédit Immobilier Facilimmo Flexible mortgage product offering customizable repayment options and advantageous rates for property purchases.
• Prêt à Taux Zéro (PTZ) Government-backed zero-interest first-time buyer mortgage with income-based eligibility requirements.
• Éco PTZ Eco-friendly zero-interest loan for energy renovation work on residential properties.
• Prêt Personnel Unsecured personal loan for any purpose with fixed rates and flexible repayment terms.
• Prêt Étudiant Student loan with favorable conditions designed to finance higher education expenses.
• Crédit Renouvelable Revolving credit facility providing a reusable credit line that replenishes as repayments are made.
• Prêt Travaux Home improvement loan financing renovation, decoration, and energy efficiency upgrade projects.
• Prêt Transition Logement Transition loan for housing-related expenses including moving costs and temporary housing during relocations.
• LOA/LLD Agilauto Leasing and long-term rental solutions (LOA and LLD) for vehicles, including car subscription services under the Agilauto brand.
• Prêt Auto Auto financing loan for purchasing new or used vehicles with competitive rates.
• Prêt Transition Mobilité Vehicle financing loan supporting mobility transitions including electric vehicle purchases.
• Assurances Habitation Home insurance underwritten by PACIFICA covering property damage, liability, and natural disasters for homeowners and renters.
• Assurance Habitation Formule Jeune Entry-level home insurance for young adults aged 18-30 at €6/month with basic coverage.
• Assurance Auto Vehicle insurance underwritten by PACIFICA covering collision, theft, and liability for cars and motorcycles.
• Assurance Complémentaire Santé Supplementary health insurance covering medical expenses not reimbursed by French social security.
• Assurance Décès Life insurance providing financial protection and capital to beneficiaries upon death.
• Assurance Obsèques Funeral expense insurance pre-funding arrangements to relieve family of costs and organization.
• Assurance des Accidents de la Vie (AAV) Personal accident insurance covering everyday accidents and disabilities, with compensation starting from 1% permanent functional deficit up to 2 million euros.
• Assurance Emprunteur Credit protection insurance underwritten by PREDICA covering death, disability, and unemployment for mortgage and loan borrowers, including ITT, IPT, PTIA, and loss of employment guarantees.
• Pilote Budget Free budget management tool for tracking income and expenses on iOS and Android devices.
• Point Passerelle Human, social, and financial support program helping Crédit Agricole customers facing temporary or permanent financial difficulties.

Quantifiable outcome

• Nearly 90% of regional bank results retained and reinvested locally
• +2 more outcomes

Named customers5 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

Integration7 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Action LogementcoreStrategic or Co-development PartnerPartnership for Visale guarantee program providing rent guarantees for young people aged 18-30 and eligible employees. Action Logement provides free rent guarantee covering up to 36 months of potential unpaid rent for eligible tenants.
• PACIFICA (Crédit Agricole Assurances)coreTechnology or IntegrationInsurance products including home insurance, auto insurance, health insurance, and life insurance are underwritten by PACIFICA, a subsidiary of Crédit Agricole Assurances.
• PREDICA (Crédit Agricole Assurances)coreTechnology or IntegrationLife insurance and retirement products including ORIANE life insurance and borrower insurance (assurance emprunteur) are underwritten by PREDICA, a life insurance subsidiary of Crédit Agricole Assurances.
• 17Cyber (Gendarmerie Nationale, Police nationale, Cybermalveillance.gouv.fr)minorStrategic or Co-development PartnerJoint initiative providing 24/7 cybersecurity assistance to fraud victims through a unified portal, helping victims identify threats and receive personalized security recommendations.
• AmundicoreTechnology or IntegrationInvestment management subsidiary of Crédit Agricole Group providing responsible investment products including Amundi Valeurs Durables and Amundi France Engagement, available through Crédit Agricole branches.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• CIC: French retail and commercial bank (part of Crédit Mutuel) serving individuals, professionals and businesses with a comparable full-service banking and insurance range.
• Crédit Mutuel: A French cooperative/mutual bancassurance group with a decentralized regional structure and combined banking-plus-insurance offering, mirroring Crédit Agricole's cooperative model and product mix.
• La Banque Postale: French retail bank and bancassurer serving mass-market individuals with deposits, savings, loans and insurance, sharing an inclusive, community-oriented positioning similar to the cooperative model.
• Caisse d'Epargne (BPCE): A French cooperative retail bank organized into regional caisses offering deposits, savings, lending and insurance to individuals and professionals, directly comparable in structure and target market.
• LCL (Le Crédit Lyonnais): French retail bank (itself part of Crédit Agricole Group) offering comparable retail banking, credit and insurance products to individuals and professionals in the same market.
• Banque Populaire (BPCE): Cooperative regional bank serving individuals, professionals and SMEs across France with a full banking-and-insurance range, closely paralleling Crédit Agricole Aquitaine's regional franchise.

Broad incumbents

• BNP Paribas: France's largest universal bank with extensive retail, consumer finance and insurance operations that overlap with Crédit Agricole's retail offering across all customer segments.
• Société Générale: Major French universal bank offering retail banking, lending, and insurance nationwide; competes for the same retail and SME customers though as part of a larger, non-cooperative portfolio.

Emerging players

• Boursorama (BoursoBank): Leading French digital-only bank offering low-fee accounts, cards, lending and insurance, competing for the price-sensitive and younger retail customers targeted by Crédit Agricole's EKO tier.

Others

• Groupama: French mutual insurer that also offers banking (Groupama Banque) with an agricultural and regional heritage overlapping Crédit Agricole's bancassurance and farmer segments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/CAAquitaine
• YouTubeyoutube.com/@CreditAgricoleOfficiel
• Facebookfacebook.com/CreditAgricole
• Instagraminstagram.com/creditagricole
• TikToktiktok.com/@creditagricole

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Credit Agricole Aquitaine