Crédit Agricole Charente-Maritime Deux-Sèvres

What Crédit Agricole Charente-Maritime Deux-Sèvres does

Crédit Agricole Charente-Maritime Deux-Sèvres is a French regional cooperative bank (Caisse Régionale) serving the Charente-Maritime (17) and Deux-Sèvres (79) départements, headquartered in Niort with a secondary office in La Rochelle. It is part of the Crédit Agricole Group, the #1 insurer in France in 2025 through Crédit Agricole Assurances, and operates under a cooperative governance model in which member sociétaires hold equity and influence strategic direction. The entity was formed through the merger of the two historical regional caisses and now operates with a workforce of 1,001–5,000 employees.

The Caisse offers a full-service retail and commercial banking product set — current accounts, savings, credit, payment services, life insurance (via PREDICA), non-life insurance (via PACIFICA), asset management (via Amundi), real estate services (via Square Habitat), and security services (via Nexecur) — distributed across physical branches and digital channels including the Ma Banque app, Mes Assurances app, and online simulators. Specialized products such as mobility transition loans, energy renovation lending through the J'éco-rénove platform, electric scooter insurance, student health insurance, and funeral insurance illustrate the breadth of its retail offering.

The business model is a multi-channel cooperative bank: net interest income from credit and deposits, fee and commission income from insurance and asset management distribution, and recurring revenue from the sociétaire base. The customer base is intentionally broad, segmented into six horizontal populations — individuals, professionals, farmers, associations, businesses, and public entities — with no enterprise concentration disclosed. Digital expansion and youth-focused ecosystems (Youzful, Propulse by CA) signal ongoing investment in customer acquisition and self-service distribution.

Name

Crédit Agricole Charente-Maritime Deux-Sèvres

Legal name

Caisse Régionale de Crédit Agricole Charente-Maritime Deux-Sèvres

Website

https://credit-agricole.fr

Company type

Private

Founded year

1894

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Crédit Agricole Charente-Maritime Deux-Sèvres is a French regional cooperative bank (Caisse Régionale) serving individuals, professionals, farmers, associations, businesses, and public entities across the Charente-Maritime and Deux-Sèvres départements via branches and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Rue

HQ country

France

HQ region

Europe

Offices2 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. Banking Services: Traditional banking services including accounts, cards, payment solutions, and deposits (Livret A, LDDS, LEP, Livret Jeune). Revenue from account fees, card fees, and deposit margins.
2. Credit Operations: Mortgage loans, consumer loans, student loans, and vehicle financing. Revenue generated through interest margins on lending products.
3. Insurance Products: Comprehensive insurance offerings including home, auto, health, death, funeral, and accident insurance. Products distributed through PACIFICA and PREDICA subsidiaries.
4. Investment and Savings Products: Life insurance (Oriance), managed investments, PEA accounts, retirement savings (PER), and socially responsible investments through Amundi.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Crédit Agricole Charente-Maritime Deux-Sèvres is a regional cooperative bank offering a comprehensive suite of banking, credit, savings, investment, and insurance products to individuals, professionals, farmers, associations, businesses, and public entities. Core offerings include tiered current accounts (Prestige, Premium, Essentiel, Eko), mortgage and consumer credit, regulated savings accounts (Livret A, LDDS, LEP, Livret Jeune), life insurance and retirement savings (Oriance, PER), securities accounts (Compte Titres, PEA), and a broad insurance portfolio (home, auto, health, death, funeral, accident, legal protection, borrower).

Product overview

Crédit Agricole Charente-Maritime Deux-Sèvres is a regional cooperative bank belonging to the Crédit Agricole network, offering a comprehensive suite of banking, insurance, and savings products through both its physical branch network and digital channels. The core product portfolio centers on day-to-day banking (checking and savings accounts in multiple tiers: Prestige, Premium, Essentiel, and Eko), a full range of credit solutions spanning real estate mortgages (Facilimmo, PTZ, Eco PTZ), consumer loans (personal loans, student loans, revolving credit, debt consolidation), and vehicle financing (auto loans, mobility transition loans, Agilauto LLD/LOA), as well as home improvement loans. Insurance coverage is equally broad, encompassing home (including a dedicated youth formula), auto and two-wheelers, health/top-up (with student-specific, initial, Integrale, and Integrale+ formulas), funeral planning (Financement Obsèques with optional Assistance Obsèques), personal accident (Assurance des Accidents de la Vie), legal protection, mobile device insurance, borrower insurance for both mortgage and consumer loans, and 24/7 home monitoring via Nexecur. Savings and investment offerings include regulated accounts (Livret A, LDDS, LEP, Livret Jeune, Livret Engagé Sociétaire), life insurance through Oriance, retirement planning via PER (Compte Titres and Assurance variants), ordinary and PEA securities accounts, ETFs, and responsible investment funds (Amundi Valeurs Durables, Amundi France Engagement). Digital services complement the portfolio with the Ma Banque mobile banking app, the Mes Assurances insurance management app, proprietary and third-party mobile payment solutions (Apple Pay, Samsung Pay), online simulators and quote tools, an editorial knowledge platform (Tout un Mag pour vous), an energy renovation platform (J'éco-rénove mon logement), and professional networking through Youzful. Partner services include Agilauto vehicle leasing and Nexecur home surveillance.

Differentiator

Problem solved

Functional benefit

Brands

• Ma Banque: Mobile banking application for iOS and Android
• Eko
• Agilauto
• Facilimmo
• Financement Obsèques
• Mon Assurance Décès

Products and services

• Offre Prestige Premium tier bank account offering comprehensive banking services, priority support, and enhanced benefits for high-net-worth individual clients.
• Offre Premium Mid-to-upper-tier bank account offering broad banking services and features, positioned between essential and prestige offerings for individual customers.
• Offre Essentiel Standard bank account providing essential everyday banking services at an accessible price point for individual customers.
• Offre Eko Entry-level digital-first bank account offered at €0/month with core services designed for budget-conscious individual customers.
• Prêt Immobilier Facilimmo Mortgage loan product designed to finance real estate acquisitions with competitive rates and flexible terms for individual borrowers.
• Prêt à Taux Zéro (PTZ) Government-backed zero-interest first-time buyer mortgage loan for purchasing a primary residence, offered in cooperation with French state programs.
• Prêt Personnel Unsecured personal loan for financing a wide range of personal expenses and projects for individual borrowers.
• Prêt Étudiant Student loan tailored to finance higher education studies with conditions adapted to young borrowers.
• Crédit Renouvelable Revolving credit facility providing a flexible reserve of funds that is replenished as repayments are made.
• Prêt Regroupement de Crédits Debt consolidation loan that combines multiple existing debts into a single monthly payment for individual borrowers.
• Prêt Auto Vehicle loan for financing the purchase of a new or used automobile for individual borrowers.
• LLD / LOA Agilauto Long-term rental and finance lease offer for vehicles, managed through the Agilauto partner platform for individual customers.
• Prêt Travaux Home improvement loan for financing renovation, decoration, or energy upgrade works on residential properties.
• Éco PTZ Zero-interest eco loan for financing energy renovation works on residential properties, supporting energy transition projects.
• Livret A Regulated savings account with tax-free interest, offering a guaranteed return with no fees for individual savers.
• LDDS (Livret de Développement Durable) Regulated savings account supporting sustainable development projects with tax-exempt interest for individual savers.
• LEP (Livret d'Épargne Populaire) Regulated savings account with tax-free interest, reserved for eligible taxpayers with income thresholds.
• Livret Jeune Regulated savings account for individuals aged 12 to 25 with tax-free interest and a higher rate than standard livrets.
• Oriance Life Insurance Life insurance product offered by Crédit Agricole for long-term savings, retirement planning, and capital transmission for individual customers.
• PER (Plan d'Épargne Retraite) Retirement savings plan providing tax advantages and delivering income (lump sum or annuity) at retirement for individual savers.
• Compte Titres Ordinaire Ordinary securities account for holding and trading stocks, bonds, and other financial instruments for individual investors.
• PEA (Plan d'Épargne en Actions) Tax-advantaged equity savings plan for investing in European equities and funds with favorable tax treatment for individual investors.
• Assurance Habitation Home insurance covering property, belongings, and liability risks for homeowners, tenants, and non-occupying owners, distributed through PACIFICA.
• Assurance Habitation Jeune Home insurance designed for young policyholders at an affordable monthly rate (~€6/month), including bundled FNAC+ card benefits.
• Assurance Auto Vehicle insurance covering damages to the insured car, third-party liability, and optional protections such as roadside assistance.
• Assurance Moto Motorcycle insurance covering two-wheeler vehicles with options for liability, damage, and rider protection.
• Assurance Complémentaire Santé Top-up health insurance (mutuelle) complementing the French public health system (Sécurité sociale), available in three modular formulas (Initiale, Intégrale, Intégrale+).
• Mon Assurance Décès Group term life insurance providing a guaranteed capital (€30,000 to €6,000,000) to designated beneficiaries in case of the insured's death, with optional assistance services.
• Assurance Obsèques Funeral expense insurance combining a capital payment plan (€2,500 to €10,000) for funeral financing with optional assistance services for funeral preparation, available for ages 40-85.
• Téléassistance Remote assistance service for seniors providing 24/7 monitoring and emergency response at home.
• Assurance des Accidents de la Vie (AAV) Personal accident insurance covering consequences of everyday accidents in both private and professional life, including school and extracurricular coverage for under-26s.
• Assurance Protection Juridique Legal protection insurance covering legal fees and providing access to legal advice services for individual policyholders.
• Assurance Tous Mobiles Insurance coverage for mobile phones, tablets, and other portable electronic devices against damage, theft, and breakdowns.
• Assurance Emprunteur Crédit Immobilier Credit life insurance protecting mortgage borrowers against death, disability, or inability to work, securing loan repayment.
• Télé surveillance Nexecur Home alarm and 24/7 professional monitoring service powered by Nexecur, including security system installation and surveillance response.
• Ma Banque Mobile Application Mobile banking application enabling customers to manage their daily banking operations (accounts, payments, transfers, simulations) quickly and simply from a smartphone.
• Mes Assurances Mobile Application Insurance management mobile application allowing policyholders to track reimbursements, access a digital third-party payment card, consult guarantees, and locate healthcare providers.

Quantifiable outcome

• Crédit Agricole Assurances ranked #1 insurer in France for 2025 based on 2024 revenue figures

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• PREDICAcoreTechnology or IntegrationPREDICA, a life insurance subsidiary of Crédit Agricole Assurances, is the insurer for Mon Assurance Décès and funeral financing products. PREDICA S.A. au capital de 1 029 934 935 € - 16-18 boulevard de Vaugirard, 75015 Paris - 334 028 123 RCS Paris.
• EUROP ASSISTANCEcoreTechnology or IntegrationEUROP ASSISTANCE provides assistance services for insurance products including death insurance and funeral assistance. EUROP ASSISTANCE - SA au capital de 61 712 744 € - 89 rue Taitbout, 75009 Paris - 451 366 405 RCS Paris.
• PACIFICAcoreTechnology or IntegrationPACIFICA, the property and casualty insurance subsidiary of Crédit Agricole Assurances, insures complementary health insurance products. PACIFICA S.A. au capital de 398 609 760 € - 8/10 Boulevard de Vaugirard, 75724 Paris Cedex 15 - 352 358 865 RCS Paris.
• AmundicoreStrategic or Co-development PartnerAmundi, the asset management subsidiary of Crédit Agricole, provides investment products including Amundi Valeurs Durables and Amundi France Engagement for socially responsible investing.
• Square HabitatminorChannel Partner/ Reseller/ DistributorReal estate agency network for property services including buying, selling, and renting residential properties.
• AgilautominorChannel Partner/ Reseller/ DistributorVehicle leasing and long-term rental services (LLD/LOA) for auto financing solutions.
• 17Cyber (Gendarmerie Nationale)minorStrategic or Co-development PartnerGovernment cybersecurity initiative - joint site with Police nationale, Gendarmerie nationale providing 24/7 cyber assistance to fraud victims at https://17cyber.gouv.fr/

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Nickel: French neobank offering fee-free basic banking accounts distributed through tobacconists. Targets unbanked and budget-conscious customers with a digital-only model, competing against Crédit Agricole's Eko entry-level offer.
• Boursorama Banque: Online French bank (Société Générale subsidiary) offering free/low-cost banking, savings, and brokerage products. Represents the digital-first competitive threat to traditional branch-based retail banks like Crédit Agricole regional Caisses.

Broad incumbents

• BNP Paribas: France's largest listed bank with comprehensive retail banking, insurance, and investment services across all customer segments. Competes with Crédit Agricole in retail banking and corporate banking at national scale.
• Société Générale: Major French universal bank offering retail, corporate, and investment banking services. Direct competitor in retail banking with national branch network and similar product suite.

Direct peers

• Crédit Mutuel: Major French cooperative banking group with mutual ownership structure, offering retail banking, insurance (via Crédit Mutuel Alliance Fédérale), and wealth management services. Competes head-to-head in retail and small business banking.
• LCL (Le Crédit Lyonnais): French retail bank (subsidiary of Crédit Agricole) serving individuals, professionals, and businesses with banking, credit, and insurance products. Closely related entity sharing parent group infrastructure and product platforms.
• Crédit Agricole Provence Côte d'Azur: Sister Caisse Régionale serving southeastern France with identical cooperative banking model, comprehensive banking/insurance offerings, and sociétaire membership structure. Operates under the same group umbrella with comparable scale and product mix.
• Caisse d'Épargne: French cooperative banking group with similar regional franchise structure, offering retail banking, insurance, and savings products to individuals, professionals, and public entities. Direct competitor in the French cooperative banking space.
• Crédit Agricole d'Île-de-France: Another Caisse Régionale of Crédit Agricole operating as a regional cooperative bank with the same product suite, member-owned structure, and integration with group subsidiaries (PACIFICA, PREDICA, Amundi). Direct comparable in business model and target segments.
• Banque Populaire: French cooperative banking group with regional Banque Populaire subsidiaries serving retail customers, professionals, and businesses. Comparable cooperative ownership model and comprehensive financial services offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ca_cmds
• YouTubeyoutube.com/@CreditAgricoleOfficiel
• Facebookfacebook.com/cacmds
• LinkedInfr.linkedin.com/company/credit-agricole
• Instagraminstagram.com/creditagricole
• TikToktiktok.com/@creditagricole

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Crédit Agricole Charente-Maritime Deux-Sèvres