Credit Agricole Atlantique Vendee

What Credit Agricole Atlantique Vendee does

Credit Agricole Atlantique Vendee is a regional cooperative bank headquartered in Nantes, France, operating as one of 35 regional Caisses within the Crédit Agricole cooperative banking group (parent Crédit Agricole SA, ticker ACA on Euronext Paris). The bank serves seven customer segments — individuals (primary), self-employed professionals, farmers, nonprofit associations, companies, public-sector/social-housing entities, and private banking clients — across western France (Atlantic and Vendée regions). Its product portfolio spans tiered current accounts (Essentiel, Premium, Prestige), a low-cost digital account (Eko at €2/month), modular accounts with an inclusive banking module (Budget Protégé at €1/month with capped incident fees), mortgage and consumer credit (Facilimmo, Prêt Étudiant), vehicle leasing (Agilauto), savings and investment vehicles (Livret A, PEA, PER, Oriance life insurance), and a full insurance catalog (home, auto, health, borrower, death, funeral, accidents) underwritten by group subsidiaries PACIFICA and PREDICA, with Amundi providing asset management products.

The platform is built around a hybrid distribution architecture: a physical branch network for advisory-led sales (mortgages, insurance, complex planning) and self-service digital channels centered on the Ma Banque mobile application (iOS/Android), the credit-agricole.fr website with digital simulators, the E-immobilier online mortgage platform, and specialized subsidiaries including Nexecur (home security), Square Habitat (real estate), and Pleinchamp (agricultural portal). Mobile payment integration with Apple Pay and Samsung Pay extends the payments layer. Customer support is reinforced through partnerships with Orange, Veolia, CRIT, Le Programme Malin, and Action Logement for hardship support, and with French law enforcement and Cybermalveillance.gouv.fr for cybersecurity guidance.

Revenue mechanics combine recurring account-package fees, interest income on lending products, insurance premiums distributed through the bank channel, and spreads/fees on savings and investment products distributed through Amundi. Under the cooperative model, approximately 90% of regional results are reinvested locally, and sociétaires (member-owners) participate in governance. The bank's competitive position is anchored in Crédit Agricole's nationwide distribution density, vertical integration across insurance and asset management, and its 1894-established cooperative brand identity.

Name

Credit Agricole Atlantique Vendee

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 Atlantique Vendee is a regional cooperative bank headquartered in Nantes, France, serving individuals, professionals, farmers, businesses, and public entities across western France with banking, credit, insurance, and investment products distributed through branches and digital channels within the Crédit Agricole group.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

Keywords

• Retail banking services
• Consumer credit products
• Home insurance products
• Savings and investment accounts
• Cooperative banking network

Headquarters

HQ city

Nantes

HQ country

France

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking Services Revenue: Revenue from account management fees, banking service charges, and transaction fees on checking and savings accounts.
2. Credit and Lending: Interest income from mortgage loans (credit immobilier), consumer loans (credit a la consommation), auto loans, student loans, and other lending products distributed through the regional bank network.
3. Insurance Premiums: Revenue from insurance products including home insurance (assurance habitation), auto insurance, health complementary insurance, borrower insurance (assurance emprunteur), life insurance (assurance vie), and accident insurance. Insurance is underwritten by PACIFICA and PREDICA.
4. Savings and Investment Products: Fees and spreads from savings products including Livret A, assurance vie (Oriance, Gestion accompagnee), PEA, CTO, and investment advisory services including Amundi responsible investment funds.
5. Leasing and Financing (Agilauto): Revenue from vehicle leasing and loan offerings (LLD/LOA Agilauto) for auto financing.

Pricing tiers

Distribution channels6 records

Marketing channels6 records

Core offering

Credit Agricole Atlantique Vendee is a regional cooperative bank that provides retail banking, consumer credit, savings, investment, and insurance products to individual customers in western France. Core offerings include tiered current account packages (Prestige, Premium, Essentiel, Eko, Compte à Composer), mortgage and consumer lending, life and non-life insurance underwritten by group subsidiaries, and wealth management solutions. Distribution is hybrid, combining a dense physical branch network with the Ma Banque mobile application, online simulators, and specialized digital subsidiaries for auto leasing (Agilauto) and home security (Nexecur).

Product overview

Credit Agricole Atlantique Vendee operates as a regional cooperative bank offering a comprehensive banking and insurance platform for individual customers. The product portfolio is organized as a platform-plus-modules architecture, centered on the Ma Banque mobile application as the primary digital access point, supplemented by tiered account packages (Offre Prestige, Premium, Essentiel, and Eko) and the Budget Protégé module for financially vulnerable clients. Insurance products span home (Assurance Habitation with Formule Jeune variant), life and funeral planning (Assurance Décès, Assurance Obsèques), credit protection (Assurance Emprunteur), health (Assurance Complémentaire Santé), and personal emergency services (Téléassistance, Ma Protection Maison). Savings offerings include regulated products (Livret A, LDDS, LEP), investment vehicles (PEA, Assurance Vie Oriance), and retirement planning (PER). Credit solutions cover real estate (Prêt Immobilier Facilimmo), consumer financing (Prêt Étudiant), and vehicle leasing (Agilauto). Digital budget management is supported through companion apps Pilote Budget and Pilote Dépenses.

Differentiator

Problem solved

Functional benefit

Brands

• Ma Banque: Mobile banking application for account management and daily banking operations.
• Oriance
• EKO
• Agilauto
• Facilimmo

Products and services

• Ma Banque Mobile Application

Quantifiable outcome

• Up to 3,100 euros/month rental income coverage (vs. typical market limit of 2,500 euros)
• +4 more outcomes

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

Eleven partnerships are on record, tiered minor and core.

• OrangeminorGTM or Marketing PartnerOrange partners with Credit Agricole to offer discounted internet and TV packages (Livebox at 15.99 euros/month) as part of financial hardship support programs, helping customers reduce monthly expenses.
• VeoliaminorGTM or Marketing PartnerVeolia partners with Credit Agricole to provide water bill assistance and advice on reducing water costs as part of the financial support ecosystem for customers facing payment difficulties.
• CRITminorGTM or Marketing PartnerCRIT, a human resources solutions company, partners with Credit Agricole to provide interim, CDD, CDI, and interim CDI job placement services for customers seeking employment as part of financial recovery support.
• Le Programme MalinminorGTM or Marketing PartnerThe Malin Program partners with Credit Agricole to offer personalized advice and discounts on food budgets for parents and future parents, as part of the bank's broader customer support ecosystem.
• Action Logement (Visale)coreGTM or Marketing PartnerCredit Agricole directs customers to the Action Logement Visale program for rental guarantees, particularly for young people aged 18-30 and employees meeting eligibility criteria, enabling housing access without traditional guarantors.
• PACIFICA (Credit Agricole Assurances)coreStrategic or Co-development PartnerPACIFICA, the property and casualty insurance subsidiary of Credit Agricole Assurances, underwrites home insurance, auto insurance, and rider insurance products distributed through Credit Agricole branches. S.A. au capital de 455,455,425 euros, regie par le Code des assurances.
• PREDICA (Credit Agricole Assurances)coreStrategic or Co-development PartnerPREDICA, the life and health insurance subsidiary of Credit Agricole Assurances, underwrites borrower insurance (assurance emprunteur), death insurance, and retirement products. S.A. au capital de 1,029,934,935 euros, headquartered at 16-18 boulevard de Vaugirard, 75015 Paris.
• AmundicoreStrategic or Co-development PartnerAmundi, the asset management subsidiary of Credit Agricole Group, provides investment fund products distributed through Credit Agricole branches including responsible investment funds (Amundi Valeurs Durables, Amundi France Engagement) and other savings and investment solutions.
• Federation Bancaire Francaise (FBF)minorStrategic or Co-development PartnerCredit Agricole collaborates with the Federation Bancaire Francaise to provide standardized financial education guides (Maigrir son budget, Gerer ses comptes) and support for customers in financial difficulty.
• Police Nationale and Gendarmerie NationaleminorOthersFrench national police forces partner with Credit Agricole on cybersecurity awareness, directing customers to the 17Cyber platform (17cyber.gouv.fr) for 24/7 cyber threat assistance.
• Cybermalveillance.gouv.frminorOthersThe national cybersecurity prevention platform (Cybermalveillance.gouv.fr) partners with Credit Agricole and French police forces to provide a unified cybersecurity guidance portal for victims of online fraud.

Scale indicators5 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• BNP Paribas: France's largest listed bank, offering retail banking (BNP Paribas Banque de Détail en France) and integrated insurance/asset management. Directly comparable as a French retail and commercial bank with a similar product breadth across accounts, credit, insurance, and investment.
• Société Générale: Major French retail and corporate bank with comparable product coverage (accounts, mortgage, consumer credit, insurance) and a French-domestic focus. Also competes via Boursorama, a leading French neobank.
• Crédit Mutuel: French cooperative banking group structured similarly to Credit Agricole with regional Caisses and member-ownership. Closely comparable in business model (cooperative retail bank) and product suite (banking, insurance via ACM, asset management).
• BPCE (Banque Populaire / Caisse d'Epargne): French cooperative banking group operating two retail brands (Banque Populaire and Caisse d'Epargne). Directly comparable as a French retail bank with mutual/cooperative roots, full banking and insurance product suite (via Natixis and its insurance subsidiaries), and similar regional structure.
• LCL (Le Crédit Lyonnais): Major French retail bank (subsidiary of Crédit Agricole SA). Direct peer in retail banking products (accounts, mortgage, consumer credit) serving individual and small business customers, with a comparable urban retail footprint and digital offering.
• La Banque Postale: French retail bank owned by La Poste, serving individual, professional, and public sector clients. Comparable in retail banking breadth, low-cost positioning, and public-interest focus; also operates Ma French Bank, a neobank targeting similar customers.
• Crédit Mutuel Arkéa: Regional French cooperative banking group serving Brittany and southwestern France. Comparable as a regional cooperative bank with a similar product platform and member-ownership structure, providing direct regional competitive overlap.

Broad incumbents

• HSBC France: International banking group with a French retail franchise offering accounts, mortgages, and wealth management. Comparable in retail product set but operates as an international incumbent with a smaller branch footprint in France.

Emerging players

• Boursorama Banque: French online-only bank subsidiary of Société Générale and the leading French neobank. Comparable in providing accounts, cards, and credit products to retail customers, but differentiated by a digital-only model competing directly with traditional players like Credit Agricole Atlantique Vendee.
• Nickel: French account-as-a-service challenger owned by BNP Paribas, distributed via tobacconists. Comparable in providing low-cost basic banking accounts to the mass market and underserved segments, posing a direct competitive threat to traditional French retail banks.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

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

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments3 records

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

Frequently asked questions about Credit Agricole Atlantique Vendee