Groupe Caisse des Dépôts

What Groupe Caisse des Dépôts does

Groupe Caisse des Dépôts (CDC) is a French public financial institution established in 1816, headquartered in Paris (56 rue de Lille, 75007) and operating with more than 10,000 employees across France, Europe, and selectively internationally. It is an établissement public under state guarantee, overseen by a Commission de surveillance, with a public-interest mandate to serve as a long-term investor in territorial development, social policy, and national strategic priorities (ecological transition, digital sovereignty, and social cohesion). The Group operates through wholly-owned and majority-owned subsidiaries including Banque des Territoires (territorial banking and financing), Bpifrance (public investment bank), La Banque Postale (majority-owned retail bank), and stakes in CNP Assurances, Euronext, and La Poste.

CDC's service portfolio is built around a stack of digital public-service platforms. Core citizen-facing products include Ciclade (search for dormant financial assets transferred to CDC under French law), Consignations.fr (judicial and escrow deposits), Mon Compte Formation (CPF, 41.1 million users), Mon Parcours Handicap (disability services), Ma Retraite Publique (multi-scheme public-sector pension management spanning CNRACL, Ircantec, FSPOEIE, Mines, and RAFP), PEP's (employer-facing public-sector HR platform), and the Open Data Portal. The most recent product launch is the Passeport de compétences (June 2026), providing verified competency CVs from age 15. The Group's business model is not a commercial SaaS model: it is funded by low-cost regulated savings (Livret A, LDDS), reinvested in long-duration public-interest loans, equity, and infrastructure; revenue is not publicly disclosed at the consolidated level, but the scale of subsidiaries places the Group in the multi-tens-of-billions-euro revenue band. Pricing for public-interest services is not publicly disclosed. The go-to-market is a hybrid of direct institutional sales (Banque des Territoires relationship managers selling to local authorities) and self-service digital platforms for citizens and businesses.

The May 2026 strategic partnership with Mistral AI (alongside La Banque Postale and Bpifrance) and the Group's 2030 Digital Horizon Plan mark a deliberate move to deploy generative AI infrastructure across the platform stack, with stated goals of advancing European digital sovereignty. Distribution is conducted through physical offices (Paris HQ, regional offices such as Bordeaux), a multi-channel social presence (Facebook, Instagram, LinkedIn, YouTube, TikTok, the Éclairage news platform), and the institutional service network of its subsidiaries. The overall operating model combines the structural advantages of a constitutionally-backed public institution with the operational complexity of a diversified financial conglomerate.

Name

Groupe Caisse des Dépôts

Legal name

Caisse des Dépôts et Consignations

Website

https://caissedesdepots.fr

Company type

Private

Founded year

1816

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Groupe Caisse des Dépôts is a French public financial institution (établissement public) founded in 1816 that serves as a long-term investor in territorial development and operator of major citizen digital platforms (Mon Compte Formation, Ma Retraite Publique, Ciclade, Consignations) through subsidiaries including Banque des Territoires, Bpifrance, and La Banque Postale.

Ownership category

akta.pro rank

Product category

Public Sector Financial Services

NAICS

Executive, Legislative, and Other General Government Support (921), Other General Government Support (92119)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

National Housing Finance Agencies & Ministries (FSALAKAB)

akta.pro secondary industry

Green/Climate Development Banks & Funds (FSABAKAH)

Keywords

• Public banking services
• Territorial development financing
• Social policy management
• Long-term public investment
• Savings deposit management

Headquarters

HQ city

Paris

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, Others

Distribution channels3 records

Marketing channels6 records

Core offering

Groupe Caisse des Dépôts is a French public financial institution (établissement public) operating as a long-term investor in service of general interest. It manages regulated savings deposits (Livret A, LDDS), finances territorial public infrastructure and local development projects, and administers social policy platforms covering retirement, professional training, and disability services for public sector employees and citizens. Its portfolio includes wholly-owned subsidiaries such as Bpifrance, Banque des Territoires, CNP Assurances, and stakes in La Banque Postale, Euronext, and La Poste.

Product overview

Groupe Caisse des Dépôts operates as a public financial institution offering a portfolio of digital platforms and services. Its core offerings include Ciclade (for locating dormant financial assets), Consignations.fr (online deposit services), Mon Compte Formation (professional training account management), Mon Parcours Handicap (disability services), Ma Retraite Publique (public pension management), and the PEP's platform for public employers. These are complemented by the Banque des Territoires (territorial banking), Open Data Portal, and the recently launched Passeport de compétences (skills passport). The group has also entered a strategic AI partnership with Mistral AI to advance its 2030 Digital Horizon Plan and strengthen European digital sovereignty.

Differentiator

Problem solved

Functional benefit

Brands

• Bpifrance: Public investment bank supporting French businesses and SMEs
• Ciclade
• Consignations
• Mon Compte Formation
• Mon Parcours Handicap
• Ma Retraite Publique
• Banque des Territoires
• Open Data CDC

Products and services

• Ciclade

Quantifiable outcome

• 41.1 million citizens served through professional training account system
• +1 more outcomes

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Mistral AIcoreStrategic or Co-development Partner · 1 May 2026Strategic partnership to deploy generative AI solutions and secure GPU computing capacity, supporting the Group's 2030 Digital Horizon Plan and advancing European digital sovereignty goals. Mistral AI aims to build gigawatt-scale AI computing capacity by 2029.
• La Banque PostalecoreStrategic or Co-development Partner · 1 May 2026Subsidiary partnership as part of the Mistral AI strategic initiative to deploy generative AI solutions across CDC group entities, supporting digital sovereignty objectives.
• BpifrancecoreStrategic or Co-development Partner · 1 May 2026Subsidiary partnership as part of the Mistral AI strategic initiative to deploy generative AI solutions across CDC group entities, supporting digital sovereignty objectives.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• La Banque Postale: Majority-owned CDC subsidiary operating retail and public-sector banking through the postal network; directly comparable to CDC's citizen-facing digital services and territorial financing activities but with a stronger retail-banking orientation.
• Bpifrance: Wholly-owned subsidiary of CDC and France's public investment bank; directly comparable as a state-backed institution supporting SME financing, innovation, and export credit, but operating as a standalone business within the broader CDC group.
• NRW.BANK: Germany's state development bank of North Rhine-Westphalia; comparable to CDC's Banque des Territoires as a sub-national promotional bank providing financing, advisory, and capital-market services for regional public-sector and infrastructure projects.
• Instituto de Crédito Oficial (ICO): Spain's state-owned financial institution providing financing to enterprises and public-sector projects, with a similar promotional-bank mandate and growing green/social finance focus comparable to CDC.
• Cassa Depositi e Prestiti: Italy's national promotional institution and state savings management entity, the closest international analogue to CDC: collects postal savings, finances public-interest projects, and operates as a public financial holding with subsidiaries in banking, infrastructure, and equity investment.
• British Business Bank: UK government-owned development bank focused on SME finance, regional growth, and green investment; a smaller but structurally analogous state promotional institution operating subsidiaries across equity, debt, and guarantee products.
• KfW Group: Germany's state-owned development bank; mirrors CDC's model of using government-guaranteed funding to finance domestic SME, housing, infrastructure, and green-transition projects, with subsidiaries such as KfW IPEX-Bank and DEG.

Broad incumbents

• Council of Europe Development Bank (CEB): Multilateral development bank with a social mandate financing public-sector projects across Europe; comparable to CDC's Banque des Territoires and social-policy divisions in mission and long-dated public-finance orientation.
• European Investment Bank (EIB): The EU's supranational long-term lending institution; comparable in scale, public-policy mandate, infrastructure/climate financing focus, and AAA credit profile, but operates across all EU member states rather than a single domestic market.

Emerging players

• Belfius Bank: Belgian bank originally created from the Dexia spin-off with strong public-sector and local-government financing franchises; comparable to CDC in public-sector lending and municipal banking but now operating as a commercial bank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/channel/UCY5Dvh36sBz8SoLSdw4ddIg
• Facebookfacebook.com/CaissedesDepots
• LinkedInlinkedin.com/company/groupe-caisse-des-dépôts/posts/?feedView=all
• Instagraminstagram.com/caissedesdepots
• TikToktiktok.com/@caissedesdepots

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries9 records

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 Groupe Caisse des Dépôts