Crédit Agricole Titres

What Crédit Agricole Titres does

Crédit Agricole Titres (CA Titres) is a French regulated investment firm, structured as a Société en Nom Collectif (SNC), that operates as the captive back- and middle-office outsourcing partner for the Crédit Agricole Group's retail banking, private banking, and asset management franchises. Founded in 1975 and headquartered in Mer (with administrative headquarters in Brunoy and a Paris registered office), the company runs four core service lines: securities custody and order processing (Valeurs mobilières), employee savings and retirement plan administration (Épargne salariale), white-label banking savings product administration (Épargne bancaire including term accounts, savings certificates, and NEU CP/NEU MTN negotiable securities), and client mobility services (FACILIT for intra-group branch relocation and MOBILIT for interbank transfers). It also operates a Centre de Relation à Distance, a remote customer service center handling inbound calls and order transmission for partner institutions.

The company is owned 66% by 39 Crédit Agricole Caisses régionales, 24% by LCL, and 10% by Crédit Agricole S.A., and serves more than 60 financial institution partners with services embedded into 7,000+ Crédit Agricole agency workstations, LCL, and BforBank. As of 31/12/2025 it administered 2.7 million accounts holding €294.4 billion in encours (excluding social shares), processed 11.3 million stock orders and 8.5 million UC subscriptions/redemptions, served 945,200 employee savings participants across 66,700 companies (€11.5 billion AUM), and managed €114 billion in banking savings across 1.1 million subscribed product lines.

CA Titres earns revenue primarily through managed-services fees — custody account maintenance, order processing, employee savings administration, and white-label banking savings product administration — under long-term contractual relationships with financial institution partners, supplemented by professional-services fees for banking mobility mandates. It is authorized by the ACPR, certified under the Crédit Agricole Group's ISO 37001 anti-corruption framework, registered with FATCA, GDPR-compliant, and an active participant in European market infrastructure bodies including AMAFI, ISSA, AEDBF, and France Post Marché. Pierre Fort serves as Gérant (Managing Director) and Président du Conseil de Surveillance.

Name

Crédit Agricole Titres

Legal name

CREDIT AGRICOLE TITRES

Website

https://ca-titres.fr

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Crédit Agricole Titres is a French regulated investment firm (SNC) that provides white-label securities custody, employee savings administration, banking savings product management, and client mobility services to Crédit Agricole regional banks, LCL, BforBank, and 60+ other financial institution partners across 7,000+ branches.

Ownership category

akta.pro rank

Product category

Securities Custody Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199)

akta.pro primary industry

Capital Markets Advisory (IPO Readiness, SPAC, ECM/DCM Advisory) (BPAHAOAL)

Keywords

• Securities custody services
• Employee savings administration
• Banking back-office outsourcing
• Financial custody outsourcing
• Asset servicing solutions

Headquarters

HQ city

Mer

HQ country

France

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure

Revenue model

1. Securities custody and administration services: Provides white-label outsourcing services for securities custody account management to financial institutions including banks and asset management companies. Revenue generated through service fees for account maintenance, order processing, and regulatory compliance services.
2. Employee savings plan administration: Custody and administration of employee savings and retirement accounts for companies and their employees. Handles account keeping, subscriptions, and redemptions.
3. Banking savings products: Administration of banking savings products including term accounts, savings bonds, and negotiable instruments. White-label services for partner institutions.
4. Banking mobility services: Handles client transfer and banking mobility services for regional banks when customers relocate between branches or banking institutions.

Go-to-market motion2 records

Distribution channels6 records

Marketing channels4 records

Core offering

Crédit Agricole Titres is a financial services outsourcing provider that delivers white-label securities custody, employee savings administration, banking savings product management, and client mobility services to financial institutions including regional banks, private banks, asset management companies, and insurance firms. The company processes 11.3 million stock orders annually, manages €294.4 billion in assets under custody, and serves 2.7 million accounts (excluding social shares) as of 31/12/2025. It operates as a specialized back-office service provider within the Crédit Agricole Group, distributed through 7,000+ Crédit Agricole agency branches.

Product overview

Crédit Agricole Titres operates as a financial services outsourcing provider offering four core product lines: Valeurs mobilières (securities custody and order processing), Épargne salariale (employee savings and retirement account keeping), Épargne bancaire (white-label banking savings products), and Mobilité clients (client mobility services including FACILIT and MOBILIT). The company also operates a Customer Contact Center providing telephone-based support. These services are delivered as white-label solutions to banking networks, insurance companies, and asset managers, with distribution integrated into over 7,000 Crédit Agricole branches. The company emphasizes industrial-scale processing with compliance, security, and regulatory vigilance.

Differentiator

Problem solved

Functional benefit

Brands

• FACILIT: Service accompanying clients during relocation between regional branches, organizing the transfer of commercial relationship and products.
• MOBILIT

Products and services

• Valeurs mobilières (Securities Services)

Quantifiable outcome

• 2.7 million accounts with €294.4 billion in assets under custody (excluding social shares) as of 31/12/2025
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eleven partnerships are on record, tiered supporting, core and major.

• EuroCompliancesupportingImplementation/ SI/ Consulting Partner · 1 July 2017Consulting firm that conducted the ISO 37001 anti-corruption management system audit and certification for Crédit Agricole Group and Crédit Agricole Titres.
• HECAsupportingStrategic or Co-development Partner · 19 January 2016Association created by Crédit Agricole regional banks and subsidiaries to pursue an active policy of recruitment, integration, training, and job retention for employees with disabilities.
• Caisses régionales du Crédit AgricolecoreChannel Partner/ Reseller/ Distributor66% ownership by 39 Crédit Agricole regional banks. These regional banks are the primary clients and distribution channel, relying on Crédit Agricole Titres for securities custody, employee savings administration, banking savings products, and customer mobility services.
• LCLmajorChannel Partner/ Reseller/ DistributorLCL holds 24% ownership in Crédit Agricole Titres. LCL provides securities custody services and related financial services to its customers through CA Titres.
• Crédit Agricole S.A.coreChannel Partner/ Reseller/ DistributorCrédit Agricole S.A. holds 10% ownership and provides group-level infrastructure, support services, and the broader brand umbrella under which CA Titres operates.
• BforBankmajorChannel Partner/ Reseller/ DistributorDigital banking subsidiary of Crédit Agricole Group. CA Titres provides best execution policy services and related custody services for BforBank customers.
• BKMS SystemsupportingTechnology or IntegrationWhistleblower protection platform (BKMS) used by Crédit Agricole Titres to strengthen its whistleblower protection system as part of anti-corruption compliance.
• France Post MarchécoreStrategic or Co-development PartnerNational market association for post-trading activities. CA Titres participates in working groups and is a privileged interlocutor for regulators on post-market and financial market infrastructure matters.
• AMAFIcoreStrategic or Co-development PartnerAssociation Française des Marchés Financiers. CA Titres is an active member involved in regulatory development and market infrastructure projects.
• ISSAsupportingStrategic or Co-development PartnerInternational Securities Services Association. CA Titres participates in international securities services standards and best practices.
• AEDBFsupportingStrategic or Co-development PartnerAssociation des Étudiants en Droit Bancaire et Financier. CA Titres participates in legal and regulatory discussions related to banking and financial law.

Scale indicators19 records

Expansion highlights5 records

Direct peers

• CACEIS: CACEIS is the asset servicing joint venture combining Crédit Agricole's institutional custody arm with Santander's securities services — directly competing with Crédit Agricole Titres in the French market for custody, fund administration, and transfer agency services.
• BNP Paribas Securities Services: BNP Paribas' global securities services business offers custody, fund administration, and asset servicing directly comparable to CA Titres' white-label outsourcing proposition for French and European financial institutions.
• Société Générale Securities Services (SGSS): SGSS provides custody, clearing, and asset servicing to French and European institutional clients with a comparable outsourcing-led business model to CA Titres, including domestic securities account-keeping.
• Euroclear: Euroclear is the dominant European central securities depository providing post-trade settlement, custody, and asset servicing — overlapping with CA Titres' securities custody value chain in the European market infrastructure.
• Clearstream (Deutsche Börse): Clearstream is an international central securities depository offering settlement, custody, and collateral management — directly comparable to CA Titres' securities services business for institutional clients in European markets.
• ABN AMRO Clearing Bank: ABN AMRO Clearing provides European clearing, custody, and securities services — overlapping with CA Titres in custody and post-trade services for institutional clients across European markets.

Broad incumbents

• BNY Mellon: BNY Mellon is one of the world's largest custody banks with deep European asset servicing operations — competing with CA Titres for large institutional mandates while offering a far broader global product portfolio.
• State Street: State Street is a global custody and asset servicing incumbent with European operations that compete with CA Titres for institutional mandates — offering broader scale and a global product set beyond CA Titres' domestic specialization.
• RBC Investor & Treasury Services: RBC Investor & Treasury Services provides global custody, fund administration, and asset servicing to European institutional clients — competing with CA Titres in the cross-border custody and administration segment.

Regional players

• Pictet Group: Pictet is a Swiss private banking and asset servicing group providing custody and administration services to European wealth management clients — comparable in business mix but primarily serving Swiss and cross-border European clients rather than the French domestic market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 Crédit Agricole Titres