CASDEN

What CASDEN does

CASDEN Banque Populaire is a French cooperative bank (Société Anonyme Coopérative de Banque Populaire à capital variable) founded in 1952, exclusively serving agents de la Fonction publique — the employees of the French public sector across national education, healthcare, local government, armed forces, and justice. As a subsidiary of Groupe BPCE (the 2nd largest banking group in France), CASDEN operates 108 Délégations Départementales across metropolitan France and overseas departments, supplemented by the Banque Populaire branch network under 50-year partnership agreements, serving over 2 million Sociétaires (member-customers) with a workforce of 574 (414 HQ + 160 field, as of December 2021).

The bank's product portfolio spans savings products (Compte sur Livret CASDEN, Dépôt Solidarité), consumer loans (Prêt Projet, Prêt Entrée dans la Fonction Publique, Prêt Mobilité), real estate financing (Prêt Immobilier, Prêt Rénovation Énergétique, Prêt Starden Immobilier with free guarantee), and borrower insurance intermediation (ORIAS n° 07 027 138). Technology is built on standard cooperative banking infrastructure inherited from Groupe BPCE, with a web platform (casden.fr), mobile application, loan simulation tools, and the CASDEN MAG online content platform. A joint mortgage guarantee subsidiary, Parnasse Garanties (co-owned with MGEN, rated A1 by Moody's), underwrites the bank's real estate lending competitiveness.

CASDEN generates revenue through spread on deposits and loans, fees on banking services, and commissions on insurance intermediation, with profits partially redistributed to cooperative members. Distribution is hybrid: own field force via 108 departmental delegations, Banque Populaire branch network, ACCEO accessibility services, and digital channels. Recent strategic moves include the May 2025 launch of 'Ma Mobilité Facile' (housing relocation assistance with Muter Loger), the June 2026 Cohabilis intergenerational cohabitation partnership with MFP, and the 'Résolument CASDEN à horizon 2030' strategic plan with renewed executive leadership (François Brun, President, since May 2023; Isabelle Rodney, Directrice Générale, since February 2021).

Name

CASDEN

Legal name

CASDEN Banque Populaire

Website

https://casden.fr

Company type

Private

Founded year

1952

Operating status

Operating

Headcount range

251–500 employees

Short description

CASDEN Banque Populaire is a French cooperative bank founded in 1952, exclusively serving over 2 million public sector employees (agents de la Fonction publique) with savings, loans, insurance, and mobility services through 108 departmental delegations and the Banque Populaire network, as a subsidiary of Groupe BPCE.

Ownership category

akta.pro rank

Product category

Cooperative Banking (Public Sector)

NAICS

Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)

Keywords

• Cooperative banking
• Public sector banking
• Consumer lending
• Mortgage loans
• Savings accounts

Headquarters

HQ city

Champs-sur-marne

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking services revenue: CASDEN generates revenue through interest income on loans (mortgage, consumer, mobility loans), fee income on banking services, and margin on savings products. As a cooperative bank, profits are partially redistributed to members.
2. Loan products: Interest income from mortgage loans (Prêt Immobilier), consumer loans (Prêt Projet, Prêt Entrée Fonction Publique, Prêt Mobilité), and specialized loans including energy renovation financing.
3. Savings products: Deposit-taking through savings accounts (Compte sur Livret CASDEN, Dépôt Solidarité) and related banking products, with interest paid to depositors.
4. Insurance intermediation: CASDEN acts as insurance intermediary registered with ORIAS (n° 07 027 138), earning commissions on borrower insurance and other protection products.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

CASDEN Banque Populaire is a cooperative bank exclusively serving French public sector employees (Fonction publique), offering savings accounts (Compte sur Livret CASDEN, Dépôt Solidarité), personal and mortgage loans (Prêt Projet, Prêt Entrée Fonction Publique, Prêt Mobilité, Prêt Immobilier, Prêt Rénovation Énergétique), borrower insurance, and the Ma Mobilité Facile relocation assistance service.

Product overview

CASDEN Banque Populaire offers a comprehensive banking platform exclusively for public sector employees, comprising savings accounts (Dépôt Solidarité, Livret CASDEN), personal loans (Prêt Projet, Prêt Entrée Fonction publique, Prêt Mobilité), real estate financing (Prêt Immobilier, Prêt Rénovation Energétique, Prêt Starden Immobilier), borrower insurance, and digital services. The offering includes Ma Mobilité Facile for relocation assistance and CASDEN MAG for financial education. All products are accessible through the online banking portal and physical branch network in partnership with Banque Populaire.

Differentiator

Problem solved

Functional benefit

Products and services

• Compte épargne Dépôt Solidarité Solidarity deposit savings account with competitive interest rates, exclusively available to public sector employees who are CASDEN sociétaires.
• Compte sur Livret CASDEN
• Prêt Projet
• Prêt Entrée dans la Fonction publique
• Prêt Mobilité Fonction publique
• Prêt Immobilier
• Prêt Rénovation Énergétique
• Assurance Emprunteur
• Ma Mobilité Facile Housing search and relocation assistance service partnering with Muter Loger to help public sector employees find new housing during professional or personal mobility.
• Cohabilis Intergenerational Cohabitation Intergenerational shared housing solution for public sector employees under 30 seeking furnished rooms and seniors over 60 with available rooms, delivered in partnership with Cohabilis and Mutualité Fonction Publique (MFP).
• Espace Personnel (Online Banking Portal) Secure online banking portal providing 24/7 access to accounts, transactions, document management, and personalized banking services for sociétaires.

Quantifiable outcome

• 94% satisfaction rate for appointments at Délégations Départementales CASDEN (2024 survey, 96,000+ respondents)
• +2 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature2 records

Partnerships

20 partnerships are on record, tiered core and minor.

• CohabiliscoreStrategic or Co-development Partner · 29 June 2026Partnership signed with Cohabilis (alongside Mutualité Fonction Publique MFP) to offer intergenerational cohabitation housing solutions to public sector employees. Addresses housing challenges for those under 30 seeking rooms and those over 60 with available space.
• Mutualité Fonction Publique (MFP)coreStrategic or Co-development Partner · 19 May 2025Co-signatory with CASDEN on the Cohabilis intergenerational housing partnership, representing mutual health insurance organizations serving public sector employees.
• Banque Populaire networkcoreChannel Partner/ Reseller/ Distributor · 16 April 2024National distribution partnership with Banque Populaire regional banks. 50-year anniversary celebrations with individual regional banks (Nord, Bourgogne Franche-Comté, Grand Ouest, Rives de Paris) in 2025.
• SNDGCT (Syndicat National des Directeurs Généraux des Collectivités Territoriales)minorGTM or Marketing Partner · 15 April 2024Three-year renewal of partnership (2024-2026) with France's national union of local government chief executives, sharing values of proximity and public service.
• CEFIEC (Comité d'Entente des Formations Infirmières et Cadres)minorGTM or Marketing Partner · 12 April 2024Renewed partnership supporting future healthcare professionals through CEFIREC, providing resources and support for nursing and healthcare management education.
• FNESI (Fédération nationale des étudiant·e·s en sciences infirmières)minorGTM or Marketing Partner · 23 February 2024Partnership with France's national federation of nursing students (representing 100,000 students), offering mobile app for course revision and exam preparation for 2024 university year.
• Cancer@WorkminorOthers · 1 January 2023Partnership to promote inclusion and job retention for people affected by cancer or chronic illness in the workplace, signed January 2023.
• Conservatoire d'espaces naturels de Nouvelle-AquitaineminorOthers · 12 May 2022Environmental partnership for biodiversity protection, involving habitat restoration projects at military training sites.
• RICM (Régiment d'Infanterie - Chars de marine)minorOthers · 12 May 2022Military partnership for biodiversity conservation at Montmorillon military camp (Natura 2000 site), restoring peatland habitats.
• Muter LogercoreStrategic or Co-development PartnerPartner for 'Ma Mobilité Facile' service helping public sector employees find new housing and assistance with relocation during career mobility transitions.
• Parnasse GarantiescoreStrategic or Co-development PartnerJoint subsidiary with MGEN providing mortgage guarantee insurance. Rated A1 with stable outlook by Moody's. Enables CASDEN to offer competitive mortgage terms with free guarantees for eligible borrowers.
• MGENcoreStrategic or Co-development PartnerCo-organizer of 'Prix de l'initiative laïque' and partner in anti-racism education program 'Nous Autres' alongside Fondation Lilian Thuram. Joint subsidiary Parnasse Garanties for mortgage guarantees.
• Fondation Lilian ThuramcoreGTM or Marketing PartnerCo-organizer of 'Nous Autres' national anti-racism education competition for school children (maternal to 6th grade), promoting deconstruction of racism through classroom activities.
• MAIFcoreGTM or Marketing PartnerCo-organizer of 'Prix de l'initiative laïque' award recognizing secular initiatives in education, alongside MGEN and CASDEN.
• Fondation de l'AvenirminorGTM or Marketing PartnerAnnual 'Prix CASDEN du jeune chercheur' award recognizing outstanding research by young healthcare researchers, promoting medical and scientific innovation.
• Action LogementminorGTM or Marketing PartnerHousing access partnership providing CASDEN employees access to Action Logement services for housing support.
• Nos Quartiers ont des TalentsminorOthersEqual opportunities partnership supporting school and professional integration of young people from disadvantaged areas.
• Capital FillesminorOthersEqual opportunities partnership supporting professional insertion of young women through mentoring and career guidance programs.
• Groupe BPCEcoreTechnology or IntegrationParent group providing IT infrastructure, security policies, and regulatory framework. CASDEN is a subsidiary operating within the BPCE cooperative banking group's systems and standards.
• Fédération Bancaire Française (FBF)minorOthersMember of FBF, the professional organization representing the banking industry in France, adhering to industry standards and regulations.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@CASDENBanquePopulaire
• Xx.com/casden_bp
• LinkedInlinkedin.com/company/casden-banque-populaire

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

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 CASDEN