Credit Agricole Franche-Comte

What Credit Agricole Franche-Comte does

Credit Agricole Franche-Comte is one of 39 regional cooperative banks (caisses régionales) operating under the Crédit Agricole mutual banking group, headquartered in Besançon and serving the Franche-Comté region of eastern France across four departments — Doubs (25), Jura (39), Haute-Saône (70), and Territoire de Belfort (90). The bank provides retail banking, insurance, real estate financing, and wealth management services to a structurally diversified customer base that includes individual customers (particuliers), professionals, farmers, associations, SMEs and larger enterprises, public collectivities, and cross-border frontier workers commuting to Switzerland. The cooperative model, in which customers can become sociétaires (member-customers), is foundational: approximately 90% of regional results are reinvested locally in territorial development rather than distributed to external shareholders.

The product portfolio spans tiered bank accounts (Eko, Essentiel, Premium, Prestige), payment cards (Visa Classic, Mastercard Standard, Visa Premier, Gold Mastercard, Mozaic Black), regulated savings (Livret A, LDDS, LEP, Livret Jeune, Livret Engagé Sociétaire), life insurance (Oriance, Assurance Vie) and retirement products (PER), investment wrappers (PEA, Compte Titres Ordinaire, ETFs, ESG funds via Amundi), mortgages and consumer credit (Facilimmo, PTZ, Prêt Personnel, Prêt Étudiant, Crédit Renouvelable, Prêt Travaux, Éco PTZ), and a comprehensive insurance catalog (home, auto, health, death, funeral, accident, telesurveillance, teleassistance) distributed in partnership with group subsidiaries PACIFICA and PREDICA. The underlying technology platform comprises the Ma Banque iOS/Android mobile application, web banking (Espace Client), the E-Immobilier online real estate platform, Pilote Budget and Pilote Depenses expense management apps, and digital simulators for mortgages, savings, insurance, and retirement planning.

Revenue is generated through five principal streams: account and transaction fees (subscription/recurring), interest income from mortgage and consumer lending (transaction-fee/interest), recurring insurance premiums through PACIFICA/PREDICA, savings and investment management fees (Livret products, Oriance, PEA, ETFs), and financial advisory/wealth management fees including private banking and PER retirement planning. Distribution follows a hybrid model combining a multi-department physical branch network (with specialized cross-border Espaces Frontaliers counters), dedicated relationship managers for enterprise and professional segments, insurance agency desks, and a self-serve digital layer spanning web, mobile, and online simulation tools. Marketing and customer engagement are reinforced through the Tout un Mag editorial platform, multi-channel social media presence, the Village by CA Franche-Comté startup incubator, and community-building via the sociétaire governance and benefits program.

Name

Credit Agricole Franche-Comte

Legal name

Caisse Régionale de Crédit Agricole Mutuel

Website

https://credit-agricole.fr

Company type

Private

Founded year

1894

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Credit Agricole Franche-Comte is a cooperative regional bank headquartered in Besançon, France, serving individual customers, professionals, farmers, businesses, public entities, and Swiss cross-border workers across four Franche-Comté departments with banking, insurance, lending, and wealth management products.

Ownership category

akta.pro rank

Product category

Regional Cooperative Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Retail banking services
• Cooperative banking
• Consumer lending
• Insurance products
• Regional banking

Headquarters

HQ city

Besançon

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking Services Revenue: Revenue generated from traditional banking activities including account management fees, transaction fees, and overdraft charges
2. Credit and Lending: Interest income from mortgage loans, consumer loans, and business financing including Facilimmo mortgage products, PTZ (zero interest loans), and personal loans
3. Insurance Premiums: Revenue from insurance products including home insurance, auto insurance, health insurance, creditor insurance, and life insurance through PACIFICA and PREDICA
4. Savings and Investment Products: Revenue from managing savings accounts (Livret A, LDDS, LEP, Livret Jeune), life insurance (ORIANE), and investment services (PEA, CTO, ETFs)
5. Financial Advisory and Wealth Management: Revenue from private banking services, asset management, and retirement planning products including PER accounts

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels8 records

Core offering

Credit Agricole Franche-Comte provides retail and commercial banking, savings and investment products, consumer and mortgage lending, and personal and property insurance to individual customers, professionals, farmers, associations, businesses, and public collectivities across the Franche-Comté region. Services are delivered through regional branches, online banking, mobile applications, and dedicated advisors, with a cooperative model reinvesting locally.

Product overview

Credit Agricole Franche-Comte offers a comprehensive banking and insurance platform consisting of multiple account tiers (Eko, Essentiel, Premium, Prestige), credit cards (Visa Classic, Visa Premier, Gold Mastercard, Mozaic Black, Mastercard Standard), savings products (Livret A, LEP, LDDS, Livret Engagé Sociétaire, Livret Jeune), life insurance (Oriance, Assurance Vie), retirement solutions (PER, PEA), real estate and consumer lending (Prêt Immobilier Facilimmo, PTZ, Prêt Personnel, Prêt Étudiant), auto financing (Prêt Auto, LOA/LLD Agilauto), home insurance, health insurance, and specialized services like Budget Protégé for vulnerable clients. The ecosystem also includes mobile applications (Ma Banque, Pilote Budget, Pilote Dépenses) and responsible investment options through Amundi.

Differentiator

Problem solved

Functional benefit

Products and services

• Offre Eko Entry-level bank account with card and one agency access for budget-conscious individual customers, priced at 2 EUR/month.
• Offre Prestige Top-tier banking account for high-net-worth individual clients with exclusive benefits and premium services.
• Visa Premier Mid-tier Visa credit card for individual customers with enhanced benefits, travel insurance, and purchase protection.
• Gold Mastercard Premium Mastercard credit card with travel benefits, extended warranty, and concierge services for individual customers.
• Mozaic Black Premium black card targeting young customers with cashback rewards and exclusive privileges.
• Mastercard Standard Standard Mastercard credit card for everyday purchases and cash withdrawals for individual customers.
• Visa Classic Entry-level Visa credit card with basic features and broad acceptance for individual customers.
• Livret A Regulated French tax-free savings account with annual deposit limits, offered to individual customers.
• LEP (Livret d'Épargne Populaire) Tax-free savings account for low-income individual earners offering higher interest rates than Livret A.
• LDDS (Livret de Développement Durable et Solidaire) Sustainable development savings account supporting green projects with tax-free interest for individual customers.
• Livret Engagé Sociétaire Savings account exclusively for Crédit Agricole sociétaires (member-customers) with competitive interest rates.
• Livret Jeune Savings account for individuals aged 12-25 with competitive rates and no fees.
• Oriance Life Insurance Life insurance product with flexible investment options and market-linked returns for individual customers.
• Assurance Vie Life insurance savings product combining a death benefit with investment components for individual customers.
• PER (Plan Épargne Retraite) Retirement savings plan for long-term pension accumulation with tax advantages for individual customers.
• PEA (Plan d'Épargne en Actions) Tax-advantaged equity savings account for individual investors to invest in European stocks and funds.
• Compte Titres Ordinaire Ordinary securities account enabling individual customers to trade stocks, bonds, and other financial instruments.
• Prêt Immobilier Facilimmo Flexible home loan with customizable repayment options and competitive rates for individual borrowers.
• Prêt à Taux Zéro (PTZ) Government-subsidized zero-interest first home buyer loan for a primary residence, for eligible individual borrowers.
• Prêt Personnel Unsecured personal loan with fixed interest rates for various individual borrowing purposes.
• Prêt Étudiant Student loan with favorable terms for individual students financing education expenses.
• Crédit Renouvelable Revolving credit facility allowing individual customers to borrow flexibly up to an approved limit.
• Prêt Auto Auto loan for individual customers purchasing new or used vehicles with competitive rates.
• LOA/LLD Agilauto Vehicle leasing with option to purchase (LOA) or long-term lease (LLD) for individual customers, provided through Agilauto.
• Prêt Travaux Home improvement loan for individual customers financing renovation and construction projects.
• Éco PTZ Zero-interest eco loan for individual customers making energy-efficient home improvements.
• Assurance Habitation Home insurance for individual customers covering property damage, liability, and natural disasters.
• Assurance Auto Vehicle insurance for individual customers with coverage options for cars and motorbikes.
• Assurance Complémentaire Santé Supplementary health insurance for individual customers covering medical expenses not reimbursed by the public system.
• Assurance Décès Death insurance providing capital to beneficiaries of individual policyholders upon death.
• Assurance Obsèques Funeral expense insurance covering end-of-life costs and arrangements for individual policyholders.
• Assurance des Accidents de la Vie Daily life accident insurance for individual customers covering injuries at home, work, or during leisure activities.
• Téléassistance Personal emergency response service for senior and vulnerable individual customers.
• Télésurveillance Home security monitoring service with 24/7 surveillance and alerts for individual customers.
• Budget Protégé Banking package priced at 1 EUR/month for financially vulnerable individual customers, with fee caps on banking incident charges.

Quantifiable outcome

• Nearly 90% of regional bank results are reinvested in local territorial development projects
• +2 more outcomes

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

15 partnerships are on record, tiered minor and core.

• OrangeminorGTM or Marketing PartnerPartnership offering discounted Internet and TV services (Livebox offers starting at 15.99 EUR/month) for Credit Agricole customers, with access to affordable laptop purchases and digital literacy support.
• Programme MalinminorGTM or Marketing PartnerParenting support program providing personalized advice and exclusive offers to help parents reduce food and household budgets.
• VeoliaminorGTM or Marketing PartnerWater utility partner offering assistance programs for customers having difficulty paying water bills, including tips for reducing water expenses.
• CRIT (Employment Agency)minorGTM or Marketing PartnerHuman resources solutions partner offering temporary work, fixed-term contracts, permanent contracts, and interim permanent contracts for job seekers.
• Fédération Bancaire FrançaiseminorStrategic or Co-development PartnerFrench Banking Federation providing financial literacy guides and educational resources for customers on budget management and banking.
• Square HabitatminorGTM or Marketing PartnerReal estate agency network of Credit Agricole for property search, buying, and renting services.
• Nexecur (Telemonitoring)minorGTM or Marketing PartnerHome security and alarm system provider offering 24/7 monitoring services integrated with home insurance offerings.
• AgilautominorGTM or Marketing PartnerVehicle leasing and rental subsidiary (LLD/LOA) for automobile financing solutions.
• PACIFICA (Insurance)coreStrategic or Co-development PartnerProperty and casualty insurance subsidiary of Credit Agricole group, providing home, auto, and accident insurance products.
• PREDICA (Insurance)coreStrategic or Co-development PartnerLife and protection insurance subsidiary of Credit Agricole group, providing life insurance, creditor insurance, and retirement products.
• Amundi (Asset Management)coreStrategic or Co-development PartnerAsset management company offering responsible investment funds including Amundi Valeurs Durables and Amundi France Engagement.
• Youzful Professional NetworkminorGTM or Marketing PartnerProfessional networking platform for young professionals connecting with employment opportunities.
• Propulse by CAminorGTM or Marketing PartnerBusiness startup support program of Credit Agricole for entrepreneurs launching new ventures.
• 17Cyber Government ServiceminorGTM or Marketing PartnerGovernment cybersecurity hotline (Police, Gendarmerie, Cybermalveillance.gouv.fr) providing 24/7 assistance to fraud victims.
• CA Sport Ecole de VieminorGTM or Marketing PartnerSports sponsorship initiative supporting local sports organizations and promoting sports as character education across France.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• La Banque Postale: French retail bank owned by La Poste, serving individual customers and small businesses nationwide with a similar mass-market deposit and lending product portfolio, including regulated savings products.
• Banque Populaire: French regional cooperative bank under BPCE, structured around regional banks serving retail and professional clients—analogous to Crédit Agricole's mutual regional bank architecture.
• Crédit Mutuel: French mutual cooperative bank federation with regional caisses offering retail banking, insurance, and wealth management products under a cooperative ownership model closely comparable to Crédit Agricole.
• CIC (Crédit Industriel et Commercial): French regional commercial bank within the Crédit Mutuel group offering similar retail, SME, and insurance products through regional branch networks across French territories.
• Caisse d'Épargne: French regional mutual savings bank operating under the Groupe BPCE umbrella with a comparable regional-caisses model serving retail, professional, and SME customers across similar geographic territories.

Emerging players

• Boursorama Banque: Leading French neobank (Société Générale subsidiary) offering low-fee digital banking, savings, and trading—competes head-on with Crédit Agricole's mass-market retail offerings, particularly among younger and digital-native customers.

Broad incumbents

• BNP Paribas: France's largest universal bank with overlapping retail banking products (Livret, cards, mortgages) at national scale; competes directly for retail and SME customers in the same regions.
• Société Générale: Major French universal bank offering consumer banking, savings, and insurance products nationwide with significant regional retail presence—direct competitor for individual and professional banking customers.
• LCL (Le Crédit Lyonnais): Major French national retail bank (part of Crédit Agricole group) offering comparable consumer banking products but at national scale through a more urban-centric branch and digital model.

Others

• Caisse Centrale du Crédit Mutuel: Central refinancing and coordination body of the Crédit Mutuel federation—adjacent institution that mirrors Crédit Agricole S.A.'s relationship to its regional caisses, providing peer reference for federated cooperative banking structures.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/ca_franchecomte
• YouTubeyoutube.com/@CreditAgricoleOfficiel
• Facebookfacebook.com/CreditAgricoleFrancheComte
• Instagraminstagram.com/creditagricole
• TikToktiktok.com/@creditagricole

Revenue estimate

Valuation estimate

Number of profiles

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 Credit Agricole Franche-Comte