Caisse d'Epargne Aquitaine Poitou-Charentes

What Caisse d'Epargne Aquitaine Poitou-Charentes does

Caisse d'Epargne Aquitaine Poitou-Charentes (CEAPC) is a regional cooperative bank headquartered in Bordeaux, operating as one of 15 regional Caisses d'Epargne within Groupe BPCE, France's second-largest banking group. Founded in 1818 and serving the Nouvelle-Aquitaine region (departments of Gironde, Landes, Lot-et-Garonne, Dordogne, Charente, Charente-Maritime, Deux-Sèvres, Vienne, Haute-Vienne), the bank distributes banking and insurance products through 346 branch agencies and 11 specialized business centers (Centres d'Affaires) covering individuals, professionals (26,716 clients), large enterprises and mid-market companies, social economy and solidarity structures (1 in 5 ESS entities on the territory), public sector entities (6,000+), social housing providers, and protected persons (30,000).

The bank's core technology stack is a standard regional banking platform: a full-featured mobile application for real-time account management, online self-service portals, a Security Operations Center (SOC), VPN-protected web access, phishing simulation tools, and automated fraud protection for corporate email. Product differentiation sits in green and impact-linked finance: the Livret Transition Territoire (LTT) launched in May 2024 channels all deposits exclusively into local environmental transition projects with full traceability (€146.6M collected in 2024); the Prêt à Impact provides interest rate bonifications tied to ESG extra-financial targets; four dedicated green credit lines address mobility, renewable energy, renovation, and business transition; and SFDR Article 8 & 9 compliant funds managed through partner Vega IS total €462.7M in AUM at end of 2024.

CEAPC earns revenue through net interest margin on deposits and lending (consumer credit, mortgages, professional and corporate credit), fee-based bancassurance (IARD Pro, collective health via BPCE Assurances), structured financing and loan syndication fees through subsidiary H\u00e9lia Conseil (transactions €5-100M), real estate leasing via Batigestion, minority equity participations via E.mmo Aquitaine, sustainable fund management fees via Vega IS, and the SCPI Tourisme et Littoral tourism real estate fund. Distribution combines direct sales through the branch and business-center network, a dedicated Innovation Agency for tech startups, and access to national group capabilities through Groupe BPCE, Natixis, and BPCE Assurances. Strategic positioning is regional and stakeholder-oriented: a cooperative governance model with 295,619 sociétaires, no external shareholders, and a stated mission of territorial utility rather than profit extraction.

Name

Caisse d'Epargne Aquitaine Poitou-Charentes

Legal name

Caisse d'Epargne Aquitaine Poitou-Charentes

Website

https://caisse-epargne-aquitaine-poitou-charentes.fr

Company type

Private

Founded year

1818

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Caisse d'Epargne Aquitaine Poitou-Charentes is a regional cooperative bank within Groupe BPCE, serving Nouvelle-Aquitaine through 346 branches and 11 business centers. It provides retail, professional, enterprise, public sector, and ESS banking plus green and impact-linked financing products.

Ownership category

akta.pro rank

Product category

Regional Cooperative Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institutions, Not Federally Chartered (6036), Functions Related To Depository Banking, Nec (6099), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE)

akta.pro secondary industries

Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Retail banking services
• Cooperative banking
• Green finance products
• Regional development lending
• Bancassurance solutions

Headquarters

HQ city

Bordeaux

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Retail Banking Deposits & Lending: Traditional banking operations including deposit collection (savings accounts, current accounts) and lending (consumer loans, mortgages, professional financing, corporate credit). The cooperative model channels deposits back into local financing.
2. Sustainable & Responsible Investment Products: More than one-third of financial savings under management (encours) is invested in sustainable funds (SFDR Article 8 & 9 compliant). Fee-based revenue from fund management via Vega IS partnership.
3. Banking Services for Professionals & Enterprises: Comprehensive bancassurance offering for professionals (IARD Pro, health collective insurance), businesses (cash management, structured financing, factoring), and public sector (treasury lines, payment solutions).
4. Real Estate & Specialized Financial Engineering: Revenue from subsidiaries: Batigestion (real estate leasing), Hélia Conseil (financial engineering and loan syndication for 5–100M€ transactions), E.mmo Aquitaine (minority equity participations in real estate development), and the SCPI Tourisme et Littoral fund.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Caisse d'Epargne Aquitaine Poitou-Charentes (CEAPC) is a regional cooperative bank serving individuals, professionals, enterprises, social economy organizations, and public sector entities across the Nouvelle-Aquitaine region of France. It offers comprehensive bancassurance products including deposit accounts, savings booklets (notably the Livret Transition Territoire with full green-use traceability), consumer and mortgage loans, professional and corporate financing (including impact loans and green credit lines), insurance (IARD Pro, collective health), payment solutions, and wealth management. The bank operates through 346 branch agencies, 11 business centers, and a mobile banking app, and is supported by specialized subsidiaries for financial engineering, real estate leasing, and real estate equity investments.

Product overview

Caisse d'Epargne Aquitaine Poitou-Charentes operates as a regional cooperative bank providing a comprehensive banking platform organized around four core pillars: (1) Retail banking services for individuals, professionals, associations, and institutional clients; (2) Regional development banking through 11 business centers supporting enterprises, social economy entities, public sector, and social housing; (3) Responsible/sustainable finance offerings including the Livret Transition Territoire (LTT), Livret de Développement Durable et Solidaire, and green credit products (éco-prêts, Prêt à Impact, Crédits Green); and (4) Wealth management and private banking. The product portfolio centers on the Livret Transition Territoire as the flagship innovative savings product with full fund traceability for environmental transition projects, supported by a suite of green financing products (éco-prêts à taux zéro, Prêt Rénovation Énergétique, Prêt Immobilier à Impact), impact loans with ESG-linked rate bonifications, and responsible investment funds (SFDR 8 & 9). For professionals and enterprises, offerings include NéoBusiness innovation financing platform, IARD Pro insurance, e-commerce payment solutions, and specialized credit facilities. The bank's regional subsidiaries (Hélia Conseil, Batigestion, E.mmo Aquitaine, Foncière Aquitaine Poitou-Charentes) provide specialized financial engineering and real estate services. Digital banking is delivered through a mobile application enabling real-time account management.

Differentiator

Problem solved

Functional benefit

Brands

• Livret Transition Territoire (LTT): Innovative savings product offering full traceability on the use of funds exclusively dedicated to local environmental transition projects. Part of the green finance ecosystem supporting the territory's ecological transformation.
• Livret Développement Durable et Solidaire
• Compte sur Livret Vert
• Néobusiness
• SCPI Tourisme et Littoral
• Agence Innovation
• Banque de Développement Régional

Products and services

• Livret Transition Territoire (LTT)
• Livret de Développement Durable et Solidaire
• Compte sur Livret Vert (Green Savings Account)
• Éco-prêts à taux zéro (Zero-Interest Eco Loans)
• Prêt Rénovation Énergétique (Energy Renovation Loan)
• Prêt à Impact (Impact Loan)
• Crédits Green (Four Green Credit Lines)
• Crédit Développement Régional (Regional Development Credit)
• NéoBusiness Innovation Financing Platform
• Offre IARD Pro (Professional P&C Insurance)
• Offre de Santé Collective / Complémentaire Santé
• Solutions E-commerce (E-commerce Payment Solutions)
• Application Mobile Caisse d'Epargne (Mobile Banking App)
• SCPI Tourisme et Littoral
• Crédit-bail Immobilier (Real Estate Leasing)
• Prêt Locatif Social (Social Rental Loan)
• Fonds Durables (SFDR Article 8 & 9 Sustainable Funds)
• Cyber Security Solutions for Business Clients

Quantifiable outcome

• 462.7 M€ in sustainable fund assets (SFDR Art. 8 & 9) as of end 2024, representing over one-third of total financial savings under management
• +5 more outcomes

Named customers8 records

Segments9 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

24 partnerships are on record, tiered core, secondary and minor.

• Paris 2024 Olympic GamescoreStrategic or Co-development Partner · 1 January 2024Groupe BPCE is a Premium Partner of the Paris 2024 Olympic and Paralympic Games. As a regional Caisse, CEAPC participates in heightened cybersecurity vigilance during the Games and develops targeted commercial offers for enterprise clients (fraud protection, cyberattack simulation, cyber insurance).
• Groupe BPCEcoreOthersCEAPC is one of 15 regional Caisses d'Epargne within Groupe BPCE, France's second-largest banking group with 35M clients, 9M sociétaires, and 100,000 employees. The group provides shared technology, compliance, product platforms, and capital. Natixis and BPCE Assurances are major affiliated brands providing asset management, investment banking, and insurance products distributed through CEAPC.
• Hélia ConseilcoreTechnology or IntegrationRegional financial engineering subsidiary specialized in loan arrangement and syndication, complex project structuring (infrastructure, renewable energy), and private debt issuance for amounts between €5M and €100M. Supports CEAPC in serving large corporate and institutional clients.
• BatigestioncoreTechnology or IntegrationRegional real estate credit leasing subsidiary based in Mérignac, shared with two Caisses d'Epargne in Occitanie. Manages real estate leasing operations across the Grand Sud-Ouest, including property management of real estate ensembles.
• E.mmo AquitainesecondaryTechnology or IntegrationReal estate subsidiary of CEAPC that takes minority equity participations in real estate development structures, notably alongside regional professionals in property promotion operations.
• Natixis / Natixis AssurancessecondaryTechnology or IntegrationNational-level subsidiaries of Groupe BPCE providing specialized services: Natixis (asset management, investment banking, insurance), Natixis Assurances (life and non-life insurance), Natixis Interepargne (employee savings), Natixis Car Lease (vehicle leasing). Products distributed through CEAPC's network.
• Vega IScoreTechnology or IntegrationAsset management company on which the Caisse d'Epargne relies for responsible investment fund management. Vega IS leverages specialized affiliates to manage sustainable funds compliant with SFDR Article 8 & 9 standards and European green taxonomy.
• Reforest'ActionsecondaryStrategic or Co-development PartnerPartnership offering clients who open a Livret Vert (green savings account) the opportunity to plant trees via Reforest'Action crowdplanting platform (23M+ trees planted in 43 countries since 2010). CEAPC clients receive tree-planting certificates to share on social media.
• BPCE AssurancescoreTechnology or IntegrationHealth collective insurance and complementary health insurance (Complémentaire Santé) for professionals and businesses, distributed in partnership with CEAPC as part of its bancassurance offering.
• TechnowestsecondaryChannel Partner/ Reseller/ DistributorBusiness incubator based in the region's technology hub. CEAPC has signed partnership conventions with Technowest to support startup development through the Néobusiness program and dedicated Innovation Agency.
• UnitecsecondaryChannel Partner/ Reseller/ DistributorBordeaux-based technology business incubator. Partner in CEAPC's Néobusiness startup support ecosystem, providing access to innovation-stage companies for the bank's Innovation Agency.
• HémérasecondaryChannel Partner/ Reseller/ DistributorRegional innovation incubator. CEAPC partners with Héméra through its Néobusiness program to reach and finance innovation-stage businesses in the territory.
• French Tech BordeauxsecondaryStrategic or Co-development PartnerCEAPC is an official partner of French Tech Bordeaux, participating in the regional tech ecosystem to support digital innovation, startup growth, and the territory's attractiveness.
• ONF (Office National des Forêts)secondaryStrategic or Co-development PartnerPartnership between CEAPC's Fonds de Dotation and the ONF's endowment fund for restoration of forests in Gironde damaged by summer fires. Part of the bank's biodiversity commitment.
• AdmicalsecondaryStrategic or Co-development PartnerAdmical organized the regional restitution of the Mécénat d'entreprise (Corporate Patronage) Barometer for Nouvelle-Aquitaine at CEAPC's Bordeaux headquarters on November 25. Supported by FNCE, EY, Les entreprises pour la Cité, and CFFoC.
• CRESS (Chambre Régionale de l'Economie Sociale et Solidaire)secondaryStrategic or Co-development PartnerRegional ESS chamber. Historical partner of CEAPC in supporting social economy structures. The bank serves 1 in 5 ESS entities in its territory.
• France ActivesecondaryStrategic or Co-development PartnerSocial entrepreneurship support organization. CEAPC maintains historical partnerships with France Active to support the creation and development of social enterprises in the territory.
• Finances & PédagogieminorStrategic or Co-development PartnerFinancial education initiative for clients in fragile financial situations, part of CEAPC's social responsibility program alongside Parcours Confiance.
• Chambre de Commerce et d'Industrie (CCI)secondaryChannel Partner/ Reseller/ DistributorPartnership conventions with regional Chambers of Commerce and Industry to encourage business creation and takeover. CEAPC participates in CCI-organized events and entrepreneurship programs.
• Chambre de Métiers et de l'ArtisanatsecondaryChannel Partner/ Reseller/ DistributorPartnership conventions with craft and trades chambers to support artisan entrepreneurs. Joint conventions aim to encourage business creation and takeover in the professional segment.
• Bordeaux Aquitaine PionnièreminorChannel Partner/ Reseller/ DistributorAssociation supporting female entrepreneurship. CEAPC is a signatory of partnership conventions supporting women entrepreneurs, including participation in the Profession'L salon and CCI Bordeaux conferences.
• Le Rallye des Pépites BordelaisesminorChannel Partner/ Reseller/ DistributorEvent supporting female entrepreneurship in Bordeaux. CEAPC participates as a partner in this initiative aimed at promoting women entrepreneurs.
• Espace AssominorChannel Partner/ Reseller/ DistributorPlatform referenced for association clients, providing dedicated digital tools and services for non-profit organizations in the CEAPC ecosystem.
• Parcours ConfianceminorStrategic or Co-development PartnerSupport program for financially fragile clients, alongside Finances & Pédagogie, as part of CEAPC's social responsibility and financial inclusion commitments.

Scale indicators13 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Caisse d'Epargne Loire Centre: Another regional Caisse d'Epargne in BPCE group. Same cooperative structure, bancassurance model, and ESG positioning make it a closely comparable peer for benchmarking.
• Caisse d'Epargne Côte d'Azur: Regional Caisse d'Epargne serving the French Riviera, with same cooperative model and product set. Comparable on premium/wealth management segment given both regions have wealthy client bases.
• Banque Populaire Aquitaine Centre Atlantique: Sister regional bank within the same Groupe BPCE, also operating in the Aquitaine territory. Same parent group, complementary product platform, and direct competitor on enterprise and professional segments - the closest competitive overlap within BPCE.
• Crédit Agricole Aquitaine: Regional branch of Crédit Agricole, France's largest cooperative banking group, operating in the same Aquitaine territory as CEAPC. Direct geographic competitor with mutual/cooperative structure and similar customer segments, providing the most direct head-to-head competitive benchmark.
• Caisse d'Epargne Rhône Alpes: Largest regional Caisse d'Epargne within BPCE by some metrics, serving the economically significant Rhône-Alpes region. Comparable on product set, ESG strategy, and customer segmentation despite different regional economic mix.
• Caisse d'Epargne Midi-Pyrénées: Regional Caisse d'Epargne serving southwestern France, with overlapping territorial remit in parts of the Grand Sud-Ouest (where CEAPC's Batigestion subsidiary also operates). Highly relevant peer for shared geographic dynamics.
• Caisse d'Epargne Grand Est Europe: Another regional Caisse d'Epargne within Groupe BPCE, operating with the same cooperative governance model, product platform, and sustainable finance franchise across the Grand Est region. Most structurally comparable peer given identical parent group, regulatory framework, and business model.
• Caisse d'Epargne Hauts de France: Regional Caisse d'Epargne in BPCE group serving Hauts de France. Identical cooperative model, branch network structure, and product offerings make it a direct operational and strategic comparable for benchmarking regional performance.
• Caisse d'Epargne Normandie: Regional Caisse d'Epargne serving Normandy with comparable branch-and-digital distribution model and product platform. Useful peer for comparative analysis of regional performance and ESG penetration.
• Caisse d'Epargne Bretagne Pays de Loire: Regional Caisse d'Epargne serving western France with similar agricultural and SME-heavy customer mix. Directly comparable on cooperative governance, ESG product offering, and rural/urban distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CaisseEpargne
• YouTubeyoutube.com/@CaisseEpargne
• Facebookfacebook.com/caisse.epargne.apc
• LinkedInlinkedin.com/company/caisse-depargne
• Instagraminstagram.com/caisseepargne

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries5 records

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 Caisse d'Epargne Aquitaine Poitou-Charentes