The Caisse des Dépôts
- Company typePublic
- Founded1816
- HeadquartersParis, France
- Headcount5,001–10,000
- GTM typeB2B
- OfferingServices
What The Caisse des Dépôts does
The Caisse des Dépôts is a French public financial institution founded in 1816 and headquartered in Paris, operating under state ownership as a long-term investor serving the general interest. It functions as a unique alliance of public and private economic players, channeling regulated household savings (Livret A, LDDS, LEP) and managing public employee pension schemes (CNRACL, Ircantec) into long-term financing for local authorities, social housing providers, healthcare and education institutions, universities, and territorial development projects. The group is organized around core operating subsidiaries including Banque des Territoires (regional banking), Bpifrance (SME and innovation finance), CNP Assurances (insurance), CDC Habitat (social housing), SFIL (local government finance), Egis (engineering), and minority positions in Transdev, ICADE, CNR, and Compagnie des Alpes.
Its revenue model combines interest income on public-interest lending, fees and investment returns from pension and asset management, insurance premiums through CNP Assurances, and long-term equity investment returns from strategic holdings. Distribution is B2G/B2B-direct through Banque des Territoires and Bpifrance relationship managers, augmented by pan-European cooperation with the EIB Group and other National Promotional Banks. Under its three strategic axes (ecological transformation, sovereignties, social and territorial cohesion), CDC is executing the €18 billion Horizon Numérique 2030 digital plan, the €25 billion 5-year health and aging roadmap, and €300+ billion-class European financing cooperation, while deploying generative AI through partnerships with Mistral AI, Sopra Steria, and Numspot.
The Caisse des Dépôts firmographics
Firmographics- Name
- The Caisse des Dépôts
- Legal name
- Groupe Caisse des Dépôts
- Website
- http://caissedesdepots.fr
- Company type
- Public
- Founded year
- 1816
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Ownership category
- akta.pro rank
The Caisse des Dépôts industry classification
Industry- Product category
- Public Development Finance
- NAICS
- Administration of Housing Programs (925110), Administration of Housing Programs, Urban Planning, and Community Development (9251), Pension Funds (525110), Insurance and Employee Benefit Funds (5251)
- SIC
- Savings Institutions, Not Federally Chartered (6036), Investors, Nec (6799)
- akta.pro primary industry
- National Housing Finance Agencies & Ministries (FSALAKAB)
- akta.pro secondary industries
- Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF), Green/Climate Development Banks & Funds (FSABAKAH)
Keywords
Where The Caisse des Dépôts is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
The Caisse des Dépôts business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest income from public lending: CDC generates revenue primarily through interest income on loans provided to local authorities, social housing providers, healthcare institutions, and public entities. The Savings Fund (Fonds d'épargne) provides the capital base for these lending operations.
- Pension fund management: Management of public employee pension schemes (CNRACL, Ircantec) providing retirement services to civil servants, generating administrative fees and investment returns.
- Investment returns: Long-term equity investments in strategic sectors including finance, infrastructure, real estate, and digital technology generate dividend income and capital gains.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
The Caisse des Dépôts product offering
Product offeringCore offering
The Caisse des Dépôts is a French state-owned public financial institution that acts as the country's long-term investor in service of the general interest. It manages regulated household savings (Livret A, LDDS, LEP) through the Fonds d'épargne, administers public employee pension schemes (CNRACL, Ircantec), and channels capital into territorial development, ecological transition, social housing, healthcare, education, and digital sovereignty projects via subsidiaries including Banque des Territoires, Bpifrance, CNP Assurances, CDC Habitat, SFIL, Egis, and CDC Biodiversité.
Differentiator
Problem solved
Functional benefit
Brands
- Banque des Territoires: Territorial banking division serving local governments and public institutions
- Mon Compte Formation
- Ma Retraite Publique
- Mon Parcours Handicap
- Ciclade
Products and services
- Banque des Territoires Territorial banking division of the Caisse des Dépôts providing regional lending, development financing, and public-sector banking services to local authorities, social housing operators, healthcare institutions, and universities through dedicated relationship managers and regional offices.
- Bpifrance
- CNP Assurances
- Prêt Transformation Écologique
- Mon Compte Formation
- Ma Retraite Publique
- Mon Parcours Handicap
- Ciclade
- CDC Habitat
- SFIL
- CDC Investissement Immobilier
- CDC Biodiversité
- CDC Croissance
- Egis
Quantifiable outcome
- €670+ million in loans deployed for public interest projects in Normandy in first 5 months of 2026
- +2 more outcomes
Companies that use The Caisse des Dépôts
Customer profileNamed customers6 records
Segments1 record
Ideal customer profiles5 records
The Caisse des Dépôts technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature3 records
The Caisse des Dépôts partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered strategic, core, flagship and minor.
- NumspotstrategicCDC commitment alongside Numspot for sovereign and controlled digital services, supporting France's digital sovereignty objectives.
- Mistral AIcoreCDC group committed to deploying Mistral AI tools to build sovereign, responsible, and trustworthy digital infrastructure. Partnership supports the Horizon Numérique 2030 plan's objective of digital sovereignty through French AI technology.
- Sopra SteriacoreContract signed with Sopra Steria for deployment of generative AI tools within the CDC group as part of the Horizon Numérique 2030 digital transformation plan.
- European Investment Bank Group and European promotional institutionsflagshipMeeting of leaders from Europe's largest national promotional banks and EIB Group in Munich reaffirmed commitment to boost investment, competitiveness, and resilience. Combined 2025 financing exceeds €300 billion across eight institutions.
- Société pour le logement intermédiaire (SLI)coreState and CDC agreement transferring SLI assets to CDC for housing and Alpine territory services.
- Autoroutes et tunnel du Mont-Blanc (ATMB)strategicStrategic asset transfer from French State to CDC as part of Alpine territory development and infrastructure services.
- Banco Português de FomentominorJoined the security and defence cooperation initiative launched in Warsaw in June 2025 as part of European promotional bank collaboration.
- NRW.BankminorJoined the security and defence cooperation initiative alongside other European promotional banks.
Scale indicators6 records
Recent moves7 records
Expansion highlights6 records
The Caisse des Dépôts competitors and assessment
Company assessmentBroad incumbents
- Bpifrance: French public investment bank majority-owned by CDC, providing SME financing, innovation support, and export credit. Overlaps with CDC's mission on French economic development while operating as a more business-focused subsidiary within the broader group.
- CNP Assurances: Major French life insurance company majority-owned by CDC, providing personal insurance, savings, retirement, and dependency products. Subsidiary peer that brings insurance capabilities to the broader CDC group.
- Société Générale (Public Sector/Institutional Banking): French universal bank with significant public-sector, infrastructure, and housing finance operations. Adjacent incumbent providing overlapping capabilities (municipal lending, project finance) but as part of a broader commercial franchise rather than a public-interest mandate.
Direct peers
- NRW.BANK: Germany's state development bank for North Rhine-Westphalia, financing housing, infrastructure, and municipal projects. Direct peer as a regional promotional bank; explicitly partnered with CDC on the European security and defence cooperation initiative.
- European Investment Bank (EIB): EU's policy-driven long-term lending institution, financing infrastructure, climate, and SME projects across Europe. Direct peer in the Munich-aligned NPBI consortium and the largest comparable supranational promotional lender.
- Banco Português de Fomento: Portugal's national development bank supporting SMEs and strategic investments. Direct peer as a smaller EU member-state promotional bank partnered with CDC in the European NPBI security/defence initiative.
- Instituto de Crédito Oficial (ICO): Spain's state-owned financial institution attached to the Ministry of Economy, channeling financing to businesses, public entities, and strategic sectors. Direct peer as a national promotional bank co-member with CDC in the European NPBI network.
- KfW Group: Germany's state-owned development bank, providing long-term financing for SMEs, housing, infrastructure, and ecological transformation. Co-member with CDC in the European NPBI consortium; comparable in scale, mandate, and subsidiary structure (including KfW Capital for venture/equity).
- Cassa Depositi e Prestiti (CDP): Italy's national promotional bank, established 1850, financing public infrastructure, social housing, and strategic equity investments. Closest functional analog to CDC as a state-owned long-term investment institution supporting general-interest projects.
Regional players
- CDC Group (UK Development Finance Institution): UK's development finance institution investing in private-sector growth across Africa and South Asia. Comparable as a state-backed long-term investment institution, but with a very different geographic mandate (developing markets vs. domestic France).
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
The Caisse des Dépôts social profiles
Digital presenceThe Caisse des Dépôts financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Caisse des Dépôts leadership team
Management profileNumber of profiles
Profiles4 records
The Caisse des Dépôts subsidiaries and ownership
Company hierarchySubsidiaries16 records
The Caisse des Dépôts funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Caisse des Dépôts M&A and investment
M&A and investmentM&A1 record
Investments32 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Caisse des Dépôts
What does The Caisse des Dépôts do?
The Caisse des Dépôts is a French state-owned public financial institution that acts as the country's long-term investor in service of the general interest. It manages regulated household savings (Livret A, LDDS, LEP) through the Fonds d'épargne, administers public employee pension schemes (CNRACL, Ircantec), and channels capital into territorial development, ecological transition, social housing, healthcare, education, and digital sovereignty projects via subsidiaries including Banque des Territoires, Bpifrance, CNP Assurances, CDC Habitat, SFIL, Egis, and CDC Biodiversité.
Is The Caisse des Dépôts a public or private company?
The Caisse des Dépôts is a public company. It is classified as state government owned and is currently operating.
When was The Caisse des Dépôts founded?
The Caisse des Dépôts was founded in 1816. It employs 5,001 to 10,000 people.
Where is The Caisse des Dépôts based?
The Caisse des Dépôts is headquartered in Paris, France, in the Europe region.
How does The Caisse des Dépôts make money?
Three revenue lines are on record. Interest income from public lending is the primary driver. The others are pension fund management and investment returns.
Who are The Caisse des Dépôts's main competitors?
Broad incumbents on record are Bpifrance, CNP Assurances and Société Générale (Public Sector/Institutional Banking). Direct peers are NRW.BANK, European Investment Bank (EIB), Banco Português de Fomento, Instituto de Crédito Oficial (ICO), KfW Group and Cassa Depositi e Prestiti (CDP). CDC Group (UK Development Finance Institution) is listed as a regional player.
Does The Caisse des Dépôts have an API?
No public API is recorded for The Caisse des Dépôts.
What industry is The Caisse des Dépôts in?
The Caisse des Dépôts's product category is Public Development Finance. Its primary akta.pro industry code is FSALAKAB, National Housing Finance Agencies & Ministries, with a secondary code of FSALAKAF, Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans). Its NAICS code is 925110 and its SIC code is 6036.