Banque des Caraïbes

What Banque des Caraïbes does

Banque des Caraïbes is the commercial brand of CCF (Compagnie Générale de Banque et de Crédit), a French Société Anonyme with €147,000,001 in capital, operating as a licensed credit institution and investment services provider in the French Caribbean. The bank serves individuals (Particuliers), self-employed professionals (Professionnels), corporate clients (Entreprises), and associations in Guadeloupe, Martinique, Saint Martin, and Saint Barthélemy, distributing its services through a physical branch network, an online banking platform, and a centralized customer service center located in Paris (103 rue de Grenelle). The Director General is Jacques Rouquette.

The product portfolio is a standard full-service retail and commercial banking suite: deposit accounts (Compte Particuliers, Services Bancaires de Base), Visa-branded payment cards (CB Visa, Visa Only), alternative check-based payment solutions (GPA+), consumer and business credit products, regulated and non-regulated savings products (Livret d'épargne including Livret A), insurance distribution via ORIAS registration (07 030 182), and online/mobile banking. Pricing is published via downloadable PDF schedules segmented by customer type, billed on a monthly subscription/transaction-fee basis. Revenue is generated from interest income on credit products, transaction and service fees, and insurance intermediation commissions. The bank complies with French and European regulatory frameworks (ACPR, ECB, GDPR, CRS, FATCA, anti-money laundering) and participates in the FGDR deposit guarantee scheme.

Strategically, the entity appears to function as a stable, compliance-driven Caribbean franchise of the CCF parent group rather than an active growth platform. There are no funding rounds, M&A transactions, recent product launches, or AI/technology initiatives disclosed; the public web presence is a thin marketing-and-regulatory artifact (pricing documents dated 2022–2023) and quantified activity is limited to regulatory housekeeping such as the 2025 transfer of 192 inactive accounts to Caisse des Dépôts et Consignations under the Eckert Law. Customer count and revenue figures are not disclosed.

Name

Banque des Caraïbes

Legal name

CCF, Société Anonyme au capital de 147 000 001 €

Website

https://banquedescaraibes.fr

Company type

Private

Founded year

1965

Operating status

Operating

Headcount range

51–100 employees

Short description

Banque des Caraïbes is the Caribbean-facing retail and commercial banking brand of CCF (Compagnie Générale de Banque et de Crédit), serving individuals, professionals, businesses, and associations in Guadeloupe, Martinique, Saint Martin, and Saint Barthélemy with deposit accounts, credit, payment cards, savings, insurance intermediation, and online banking.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

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

Keywords

• Retail banking services
• Consumer credit lending
• Savings account products
• Payment card services
• Insurance intermediation

Headquarters

HQ city

La Défense

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest charged on credit products including consumer loans, mortgages, and business financing. The bank offers various credit products for individuals and businesses.
2. Banking Service Fees: Transaction fees and service charges for account management, payments, card services, and other banking operations. Published fee schedules apply to different customer segments (individuals, professionals, businesses).
3. Insurance Intermediation: The bank acts as an insurance intermediary registered with ORIAS (number 07 030 182), generating commissions from insurance product distribution.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Banque des Caraïbes provides retail and commercial banking services in the French Caribbean, including deposit accounts, regulated savings products, consumer and business credit, Visa payment cards, alternative payment solutions (GPA+), insurance intermediation, and online/mobile banking. It serves individuals, professionals, businesses, and associations via physical branches and digital channels, operating as the Caribbean-facing commercial brand of CCF.

Product overview

Banque des Caraïbes is a commercial bank operating in the French Caribbean region (Guadeloupe, Martinique, French Guiana) as the commercial name of CCF (Compagnie Générale de Banque). The bank offers a comprehensive range of retail banking products and services for individuals (particuliers), professionals, and businesses (entreprises). The core product portfolio includes deposit accounts (Compte Particuliers, Services Bancaires de Base), payment cards (CB Visa, Visa Only), alternative payment solutions (GPA+), credit products, savings accounts (Livret d'épargne), insurance products, and digital banking services. The bank operates under CCF's regulatory framework and is registered as a credit institution and investment services provider with ORIAS.

Differentiator

Problem solved

Functional benefit

Products and services

• Compte Particuliers
• Services Bancaires de Base
• CB Visa
• Visa Only
• Gamme de Paiement Alternatifs au chèque (GPA+)
• Crédit
• Assurance
• Livret d'épargne
• Banque en ligne
• Compte Professionnels
• Compte Entreprises
• Compte Associations

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Fonds de Garantie des Dépôts et de Résolution (FGDR)coreOthersBanque des Caraïbes participates in the French deposit guarantee and resolution scheme. FGDR protects customers in case of bank failure, covering deposits up to €100,000, financial instruments up to €70,000, and surety commitments for professional clients.
• CCF Group (CCF Holding and subsidiaries)coreOthersBanque des Caraïbes is a commercial brand of CCF, which operates as the parent company. Data sharing occurs within the CCF Group to improve product and service quality and meet regulatory obligations.
• Banque de FrancecoreOthersThe bank consults Banque de France files for customer due diligence, including the FICP (Fichier National des Incidents de Remboursement des Crédits aux Particuliers) and FCC (Fichier Central des Chèques) databases.
• Caisse des Dépôts et Consignations (CDC)minorOthersInactive account funds are transferred to CDC after legally defined periods of inactivity under the Eckert Law. CDC manages the restitution of funds to eligible claimants.
• Fédération Bancaire Française (FBF)minorOthersThe bank's mediation services are provided through FBF's mediation system for dispute resolution between the bank and customers.
• Autorités administratives et judiciairescoreOthersThe bank complies with legal obligations to transmit customer data to administrative and judicial authorities, tax authorities, police, courts, and financial regulators upon legitimate request.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Regional players

• CIBC FirstCaribbean International Bank: CIBC FirstCaribbean is a regional Caribbean retail and commercial bank serving individuals, SMEs and corporates across multiple Caribbean jurisdictions. It is comparable on product mix and customer profile, although it operates under a different (non-French) regulatory regime.
• HSBC Caribbean / HSBC Bermuda and Caribbean: HSBC's Caribbean banking operations offer personal, commercial and wealth banking in non-French Caribbean islands; business model, deposit-and-credit orientation and offshore-compliance profile are highly analogous though the regulatory perimeter (English-speaking Caribbean) differs.

Direct peers

• Caisse Régionale du Crédit Agricole de Martinique-Guyane: The Crédit Agricole regional caisse for Martinique and French Guiana provides the same retail banking, savings, credit, cards and insurance offering to Caribbean individuals and businesses, and is one of the most direct competing franchises in Banque des Caraïbes' footprint.
• BRED Banque Populaire: BRED operates a broad retail and SME banking franchise with established Caribbean presence, serving the same French Caribbean customer segments with deposits, credit, cards and digital banking — closely comparable in product mix and target market.
• BNP Paribas Martinique / Guadeloupe: BNP Paribas operates full retail, professional and corporate banking franchises in the French Caribbean with branch presence and digital channels, directly competing with Banque des Caraïbes for the same individuals, professionals and businesses in Guadeloupe and Martinique.
• Société Générale de Banques aux Antilles: Société Générale's Caribbean retail and commercial banking subsidiary serves individuals, professionals and corporates in Guadeloupe and Martinique with comparable deposit, lending and wealth products, making it a head-to-head competitor.

Others

• CCF Holding (parent group): CCF Holding is the parent entity behind Banque des Caraïbes and runs other French retail banking brands; it is included as an adjacent/parent ecosystem participant rather than a direct competitor.

Broad incumbents

• La Banque Postale: La Banque Postale is a large French retail bank offering mass-market deposit, savings and consumer credit products across mainland France and overseas territories, and competes with Banque des Caraïbes for the same individual and association deposit-led relationships, though at significantly larger scale.
• LCL (Le Crédit Lyonnais): LCL is a French universal bank offering retail, professional and private banking products; while its core geography is metropolitan France, its nationwide product set and digital channels compete for the same customer wallet share as Banque des Caraïbes' product suite.
• Caisse d'Épargne Île-de-France / DOM: Caisse d'Épargne is one of the major French cooperative retail banking networks with overseas-territory operations; it serves overlapping retail/professional segments via savings, loans, cards and insurance intermediation, functioning as a broader incumbent rather than a Caribbean specialist.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/banquedescaraibes

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Banque des Caraïbes