Crédit Agricole d'Ile-de-France

What Crédit Agricole d'Ile-de-France does

Crédit Agricole d'Ile-de-France is the regional cooperative bank (Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile de France) serving individuals, professionals, farmers, enterprises, associations and local authorities across the Île-de-France region. Founded in 1885 and operating through 52 local Caisses distributed across 8 departments, the bank is owned by 417,000 sociétaires (cooperative shareholders) and operates under the cooperative banking law of 1947 (remaniée 1992), forming part of the broader Groupe Crédit Agricole (12 million sociétaires, 142,000 employees globally). The bank's universal banking offering spans current accounts and payment cards, savings products including the Livret Engagé Sociétaire and LDDS solidarity accounts, residential mortgages and consumer/student credit, bancassurance through group subsidiaries Predica and Pacifica, and investment products including the Amundi-managed FCPR CA Equity Ile-de-France and FCP Finance et Solidarité.

The product platform combines a dense physical distribution network (39+ branches and regional directorates in Paris, Étampes, Cergy and Versailles) with the Ma Banque mobile application and the Globe-Trotter Place digital community for 18-29 year-old clients. A notable technology differentiator is Mayday, an in-house AI capability that analyses banking behaviour patterns (payment frequency, savings behaviour, account incidents, collection procedures) to detect financial fragility six months in advance with 85% accuracy, complemented by the Mes Aides educational support programme (80% resolution rate), Clic Club digital inclusion workshops, and AI-driven fraud anomaly detection. AI features are developed and maintained by an internal data science team operating on the bank's own customer data.

The bank's revenue model combines interest income from lending (mortgages, consumer and business credit), fee-based banking services (accounts, cards, transactions, advisory), bancassurance distribution, and asset management fees on savings, investment funds and solidarity savings products. Pricing is largely undisclosed at the individual product level, with the published Globe-Trotter youth subscription at €2/month and the societary bank card monetised through a €0.01-per-transaction donation to a mutualist fund. Customer acquisition is driven by a hybrid sales-led, community-led and product-led motion: relationship management through advisors for retail, professional and enterprise segments, mutualist sociétaire governance through local and regional assemblies, and youth-targeted digital acquisition via Globe-Trotter Place and creative crowdsourcing campaigns.

Name

Crédit Agricole d'Ile-de-France

Legal name

Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile de France

Website

https://ca-paris.com

Company type

Private

Founded year

1885

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Crédit Agricole d'Ile-de-France is a cooperative bank serving individuals, professionals, farmers and enterprises across the Île-de-France region through 52 local Caisses, 417,000 sociétaires and a hybrid branch-plus-digital model anchored by AI-driven financial fragility detection (Mayday) and universal banking products.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Traditional banking revenue from mortgage loans, consumer credit, and business financing extended to individuals, professionals and enterprises across the Île-de-France territory.
2. Fee-Based Banking Services: Account management fees, transaction fees, card fees (including the societary bank card generating €0.01 per transaction donated to a mutualist fund), and financial advisory fees across retail, professional and private banking segments.
3. Insurance and Protection Products: Bancassurance products distributed through the regional bank's network, covering property, health, life and creditor insurance for retail and business clients.
4. Savings and Investment Products: Deposit products (Livret A, Livret Engagé Sociétaire, LDD, etc.), investment funds (FCPR CA Equity Ile-de-France with Amundi), and PEA equity savings plans generating management fees and transaction revenues.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels9 records

Core offering

Crédit Agricole d'Ile-de-France is a regional cooperative bank (Caisse Régionale de Crédit Agricole Mutuel) serving retail customers, professionals, enterprises, farmers, and sociétaire members across the Île-de-France region of France. It provides universal banking services including current and savings accounts, payment cards, consumer and mortgage credit, investment products, and bancassurance, supported by 52 local Caisses, a mobile app, and online channels. The bank also distributes member-specific solidarity products such as the Carte Sociétaire, Livret Engagé Sociétaire, and the FCPR CA Equity Ile-de-France private equity fund.

Product overview

Crédit Agricole d'Ile-de-France operates as a universal cooperative bank serving retail, professional, and corporate clients across the Île-de-France region. The core product portfolio is organized around five universal banking pillars: current accounts and cards (including Globe-Trotter for 18–29 year-olds), savings and investment products (including the Livret Engagé Sociétaire, LDDS, FCPR CA Equity Ile-de-France managed by Amundi, and FCP Finance et Solidarité), lending (residential mortgages, consumer and student loans, business credit including Prêt Expansion via the Raise partnership), insurance (via group subsidiaries Predica and Pacifica), and digital services. Specialized offerings include the Ma Banque mobile application, Clic Club digital literacy workshops, Mayday AI financial fragility detection, and Mes Aides support programme. BLOOMUP serves as the bank's dedicated innovation unit for startups. Globe-Trotter Place functions as a digital community for young clients. The bank also provides subsidiary services including Nexecur security monitoring and real estate financing. All offerings are underpinned by a cooperative mutualist model with 417,000 sociétaires as member-owners.

Differentiator

Problem solved

Functional benefit

Brands

• Globe-Trotter: Banking product offering for young Francilians aged 18–29, including a bank account, international card, and travel assistance for 2 euros per month.
• FCPR CA Equity Ile-de-France
• BLOOMUP
• OUIJAGI!
• Natalia Creyssels
• Livret Engagé Sociétaire
• Carte Bancaire Sociétaire
• Mayday
• Mes Aides
• Clic Club
• FCPR CA Equity Ile-de-France
• Points OUI!

Products and services

• Globe-Trotter

Quantifiable outcome

• Mayday AI detects financial fragility 6 months in advance with 85% accuracy
• +4 more outcomes

Named customers7 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature3 records

Partnerships

Eleven partnerships are on record, tiered core, flagship and minor.

• Amundi Private Equity FundscoreStrategic or Co-development Partner · 1 November 2025Amundi PEF manages the FCPR CA Equity Ile-de-France, an innovative private equity fund enabling Crédit Agricole d'Ile-de-France societary clients to invest in unlisted regional SMEs and mid-caps. The fund aligns with megatrends (Technology, Demography, Environment) and has a minimum subscription of €100, democratising access to private equity for retail investors.
• Future4careflagshipStrategic or Co-development Partner · 1 October 2025Strategic partnership with Future4care, the European digital health ecosystem, based on a shared vision of building tomorrow's healthcare through innovation, societal impact and open collaboration. The partnership positions Crédit Agricole d'Ile-de-France as an actor committed to health system transformation and healthy aging.
• RaisecoreStrategic or Co-development Partner · 1 January 2025Partnership with Raise to launch the 'Prêt Expansion' (Expansion Loan), an unsecured loan targeting startup development needs, addressing the financing gap startups face when accessing traditional bank credit.
• HopHopFoodminorGTM or Marketing Partner · 1 January 2025Partnership with HopHopFood, a French association connecting food industry professionals with people in precarity, supporting young people and isolated individuals experiencing financial and food difficulties in Île-de-France.
• Paris Basketball FoundationminorGTM or Marketing Partner · 1 January 2024Nine local Caisses of Crédit Agricole d'Ile-de-France actively support the Paris Basketball Foundation's endowment fund, accompanying young basketball players aged 15–21 in a programme combining sports training, personal development and academic support.
• Simplon.cominorStrategic or Co-development PartnerSimplon.co, an Île-de-France SME facilitating return to employment through digital skills training, is supported by the Amundi FCP Finance et Solidarité solidarity savings fund managed for Crédit Agricole d'Ile-de-France clients.
• PYRONEARminorGTM or Marketing PartnerMécénat support for PYRONEAR, an open-source early fire detection solution for natural spaces in Île-de-France, using AI and specifically designed for the region's fire risk realities.
• OUIJAGI! (SCIC à forme anonyme)minorGTM or Marketing PartnerOUIJAGI! is a solidarity currency platform (Société Coopérative d'Intérêt Collectif) through which Crédit Agricole d'Ile-de-France distributes OUI! points (2.5% of average quarterly savings balance) to societary Livret holders, who donate them to local associations (100 points = €1).
• Association Française des Aidants (AFA)minorGTM or Marketing PartnerMonthly 'Café des Aidants' sessions organised since November 2022 in partnership with AFA, providing a supportive space for caregivers caring for elderly, dependent or disabled loved ones.
• CreapillsminorGTM or Marketing PartnerDigital crowdsourcing partnership with Creapills for a creative challenge inviting designers to propose visuals for the Globe-Trotter international bank card, with votes cast via social media.
• BLOOMUP by Crédit Agricole d'Ile-de-FranceflagshipStrategic or Co-development PartnerLaunch of BLOOMUP, the bank's dedicated innovation bank targeting startups and young enterprises in Île-de-France, as part of the bank's commitment to territorial innovation and startup ecosystem development.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Market position

Weaknesses5 records

Competitive moat5 records

Customer concentration

• YouTubeyoutube.com/channel/UCVlH2xQEscuPihOpn26UXlQ/videos
• Facebookfacebook.com/CreditAgricoleIDF
• LinkedInlinkedin.com/company/cr%C3%A9dit-agricole-d'ile-de-france
• Instagraminstagram.com/creditagricole_idf
• Xx.com/CA_IDF

Compliance3 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 d'Ile-de-France