Caisse d'Epargne Ile-de-France

What Caisse d'Epargne Ile-de-France does

Caisse d'Epargne Ile-de-France (CEIDF) is a French cooperative regional bank founded in 1818, operating as a subsidiary of Groupe BPCE (France's second-largest banking group). It serves the Île-de-France region through a network of approximately 415 retail branches, 28+ specialized business centers, and 5 private banking centers, employing around 4,500 staff and serving 2.5 million clients including 700,000 sociétaires (cooperative owner-members) who hold 100% of the capital through 9 Sociétés Locales d'Epargne under a one-person-one-vote governance model.

The bank operates a full-stack banking platform offering retail banking, private banking/wealth management (Banque Privée, Gestion Privée), corporate and professional banking, social housing financing, public sector financing, and social and solidarity economy services. Underlying technology consists of a digital banking platform (mobile and online), with ancillary tools including a Mécénat philanthropy platform, a Whispli-powered whistleblowing platform, and a Provigis-integrated supplier portal. Three core operating subsidiaries extend its geographic footprint: Banque BCP (80%-owned, 52 agencies in France/Portugal), Banque de Tahiti (acquired June 2019, second-largest bank in French Polynesia), and Banque de Nouvelle-Calédonie (acquired June 2019, second-largest in New Caledonia).

Revenue is generated through three principal streams: Net Banking Income (PNB) of €1,429M in 2025 from interest margins, commissions, and fees; recurring financial savings and insurance revenue (including life insurance with €24B in outstanding savings); and corporate/professional banking fees. The bank also manages €34.5B in regional financing outstanding and €65B in regional economy financing volumes. 2025 net income was €291M. Go-to-market is sales-led through relationship banking across physical branches, with dedicated business centers for corporate, public sector, social economy, and real estate professional segments, supplemented by self-serve digital channels. Customer segments span individuals, professionals, SMEs, large enterprises, public sector entities, social housing operators, and associations (over 20,000 served).

Name

Caisse d'Epargne Ile-de-France

Legal name

Caisse d'Epargne et de Prévoyance Ile-de-France

Website

https://caisse-epargne-ile-de-france.fr

Company type

Private

Founded year

1818

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Caisse d'Epargne Ile-de-France is a cooperative regional bank serving Île-de-France via 415+ branches and 28 business centers, offering retail, private, corporate, public sector, and social housing banking to 2.5M clients and 700,000 sociétaires under Groupe BPCE.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

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

SIC

Savings Institutions, Not Federally Chartered (6036), National Commercial Banks (6021)

akta.pro primary industry

Public Sector & Municipal Credit Unions (FSABAEAK)

Keywords

• Retail banking services
• Private banking wealth management
• Corporate banking financing
• Cooperative banking members
• Public sector lending

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices3 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. Net Banking Income (PNB): Core banking revenue from interest margins on loans, commissions on services, and fees from banking operations. Net banking income of 1,429 M€ in 2025.
2. Financial Savings and Insurance: Revenue from life insurance, financial investments, and asset management services including private banking operations.
3. Corporate and Professional Banking: Business banking services, financing solutions, and treasury management for enterprises, professionals, and public sector entities.

Go-to-market motion3 records

Distribution channels5 records

Marketing channels4 records

Core offering

Caisse d'Epargne Ile-de-France is a regional cooperative bank providing retail, private, professional, corporate, public-sector, social-housing, and social-economy banking products and services across Île-de-France. It serves 2.5 million clients and 700,000 sociétaires through 415+ branches, 28+ business centres, 5 private banking centres, and digital channels, while also operating three banking subsidiaries (Banque BCP, Banque de Tahiti, Banque de Nouvelle-Calédonie) outside the region.

Product overview

Caisse d'Epargne Ile-de-France (CEIDF) is a cooperative regional bank operating since 1818, offering a broad portfolio of banking products and services organized around distinct segments. The core offering spans retail banking for individuals (Particuliers), private banking and wealth management (Banque Privée / Gestion Privée), professional and business banking (Entreprises et Professions Libérales) through a network of 28+ business centres, social housing and public sector financing, and the social and solidarity economy sector. Its subsidiary portfolio includes Banque BCP (80%-owned, operating in France and Portugal), Banque de Tahiti (acquired 2019, second-largest bank in French Polynesia), and Banque de Nouvelle-Calédonie (acquired 2019, second-largest in New Caledonia). Additional offerings include a microcredit program, a private equity investment fund, a whistleblowing platform powered by Whispli, a supplier relationship portal with Provigis integration, and the Vision Patrimoine online wealth management magazine. CEIDF's network comprises approximately 415–430 banking agencies and 28 business centres across Île-de-France, serving 2.5–3 million clients and 700,000 sociétaires.

Differentiator

Problem solved

Functional benefit

Products and services

• Particuliers (Retail Banking) Full-range retail banking products and services for individual customers including current accounts, savings accounts, personal loans, mortgage financing, insurance, and digital banking tools (mobile app, online banking), distributed through 415+ branches across Île-de-France.
• Banque Privée (Private Banking) Wealth management and private banking services offering personalised financial and patrimonial advice, investment solutions, estate planning, and dedicated relationship management through five centres strategically located in Île-de-France. Includes the Banque du Dirigeant sub-offering providing corporate advisory, M&A support, and structured financing for business owners.
• Gestion Privée (Private Wealth Management)

Quantifiable outcome

• 1,429 M€ net banking income in 2025
• +2 more outcomes

Named customers5 records

Segments8 records

Ideal customer profiles9 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

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

• Solenne PiretminorOthers · 22 June 2026Para-climbing athlete sponsorship supporting French national team athlete pursuing Paralympic Games LA 2028.
• Genopole d'ÉvrycoreStrategic or Co-development Partner · 19 June 2026Mécène of D4GEN Hackathon 2026 (Digital for Genomics). CEIDF has been principal banker since 2002 and supports innovation ecosystem with 17 teams and 100 participants.
• Icade PromotioncoreStrategic or Co-development Partner · 2 June 2026Joint investment vehicle for converting vacant office buildings into residential housing in Île-de-France, with Icade Promotion (40.8%), Banque des Territoires (39.2%), and CEIDF (20%).
• Comédie-FrançaiseflagshipStrategic or Co-development Partner19 years of patronage providing 100 free tickets for youth under 28 every Monday of the year.
• Philharmonie de ParisflagshipStrategic or Co-development PartnerSupport for educational and cultural actions targeting young audiences.
• Grand Palais RMNflagshipStrategic or Co-development Partner9 years of engagement supporting 'Place aux jeunes' operation offering free access to Luxembourg Museum and Grand Palais exhibitions for youth under 26.
• Fondation BelemflagshipStrategic or Co-development Partner16 years of historical patronage for preservation, navigation, and promotion of the Belem, a historic three-masted ship classified as historical monument.
• Fondation de la 2ème ChanceflagshipStrategic or Co-development Partner16 years supporting people in difficulty to achieve realistic and sustainable professional projects through training or business creation.
• Impulsion 75coreStrategic or Co-development PartnerAssociation supporting youth from priority neighborhoods toward social and professional integration through mentoring, training, and personalized support. CEIDF sponsors Belem voyage program.
• Paris 2024 Olympic CommitteeflagshipStrategic or Co-development PartnerPremium Partner of Paris 2024 Olympic and Paralympic Games, Official Parade Sponsor of the Olympic Flame Relay. Supported 5 athletes including Kauli Vaast (gold), Maxime Grousset (bronze), and Tanguy de la Forest (gold and silver in Paralympic shooting).
• CCI Paris Île-de-France (Boost Entrepreneurs au Féminin)coreStrategic or Co-development PartnerMécène of Boost Entrepreneurs au Féminin program since its creation, supporting women entrepreneurs. Carole Sottel serves as honorary sponsor and awarded Prix Croissance 2026.
• Fondation Gustave RoussycoreStrategic or Co-development PartnerFinancing plaque reader to study mechanisms by which certain risk factors favor cancerous transformation and identify targeted prevention pathways.
• Institut Gustave RoussyflagshipStrategic or Co-development Partner24 administrators participated in Olympic Flame Relay supporting Gustave Roussy Hospital, Europe's leading cancer research center.
• Fondation Université Paris-SaclaycoreStrategic or Co-development PartnerSupport for 'Université de tous les talents' program promoting equal opportunities, student quality of life, and academic success.

Scale indicators12 records

Recent moves2 records

Expansion highlights5 records

Direct peers

• La Banque Postale: French retail bank historically tied to La Poste, competing head-on in retail banking, public-sector financing, and local authority lending with a similar mass-market customer profile and public-interest mandate comparable to CEIDF's regional focus.
• Banque Populaire (BPCE regional banks): Sister Banque Populaire regional banks within Groupe BPCE, sharing the same cooperative structure, IT platform, and product offering but serving different French regions—useful comparables for valuation and capital efficiency benchmarking.
• Caisse d'Épargne Rhône-Alpes: Sister Caisse d'Épargne regional bank within Groupe BPCE serving the Rhône-Alpes/Auvergne region with an identical cooperative model, retail branch network, and product suite—directly comparable in business model, customer segments, and regulatory framework.
• Crédit Agricole Île-de-France: Regional arm of Crédit Agricole serving the same Île-de-France market with mutual/cooperative ownership, retail banking, private banking, and corporate services—CEIDF's principal direct competitor for retail and SME banking in the Paris region.
• Crédit Mutuel Île-de-France: Mutual cooperative bank federation with a strong regional presence in Île-de-France, offering retail banking, insurance, and corporate services—directly comparable cooperative model and customer segments to CEIDF.

Broad incumbents

• Société Générale: Major French universal bank offering retail (SG network), corporate & investment banking, and private banking—a broad incumbent competing with CEIDF in corporate, public-sector, and HNW segments across Île-de-France.
• BNP Paribas: France's largest universal bank with overlapping retail, corporate, private banking, and public-sector capabilities across France and globally—a broad incumbent whose scale and product breadth exceed CEIDF's regional focus but whose domestic franchise is a key competitor.
• LCL (Crédit Lyonnais): French retail and commercial bank within the Crédit Agricole group, with dense Île-de-France presence serving individuals, professionals, and SMEs—directly overlapping CEIDF's core retail and SME segments as a broader national franchise.

Emerging players

• Boursorama: Leading French online-only bank (Société Générale subsidiary) rapidly gaining retail deposit and brokerage market share—representing the digital-native competitive threat that exposes CEIDF's branch-heavy cost base and accessibility compliance gap.

Others

• Banque de Tahiti: Wholly-owned CEIDF subsidiary and second-largest bank in French Polynesia (33.1% deposit share)—a peer in commercial banking products but inside the CEIDF perimeter, useful as a high-margin overseas growth proxy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/caissedepargneidf
• Facebookfacebook.com/caisse.epargne.ile.de.france
• LinkedInlinkedin.com/company/caisse-d'epargne-ile-de-france
• Instagraminstagram.com/caissedepargne_idf
• TikToktiktok.com/@caissedepargne_idf
• Xx.com/CE_iledefrance

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments5 records

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

Frequently asked questions about Caisse d'Epargne Ile-de-France