Crédit Agricole Centre Loire

What Crédit Agricole Centre Loire does

Crédit Agricole Centre Loire is a regional cooperative bank (caisse régionale) within France's Crédit Agricole Group, headquartered in Orléans and operating across the Cher (18) and Nièvre (58) departments of the Centre-Val de Loire region. Founded in 1994 with approximately 1,389 employees, it serves seven customer segments — individual retail customers, professionals, farmers, associations, mid-to-large enterprises, public entities and social housing organizations, and private banking clients — through an omni-channel distribution model that combines a physical branch network with the Ma Banque mobile application, the corporate website, advisor-assisted consultations for complex products, and partner channels (Square Habitat, Nexecur, Agilauto, FNAC).

The product platform spans four account tiers (Essentiel, Premium, Prestige, Eko), five card brands (Mozaic Black, Visa Classic, Mastercard Standard, Gold Mastercard, Visa Premier), a full savings book (Livret A, LDDS, LEP, Livret Jeune, Livret Faster, Livret Engagé Sociétaire, Carré bleu), life insurance (Oriance, Gestion accompagnée), securities wrappers (CTO, PEA, PEA-PME, ETF), responsible-investment funds from Amundi, retirement plans (PER Compte Titres, PER Assurance), insurance (home, auto, health, borrower protection), and credit products including Prêt Immobilier Facilimmo, PTZ, consumer loans, Agilauto LLD/LOA vehicle leasing, Éco PTZ, and Prêt Transition Mobilité. The Ma Banque mobile app and Apple Pay/Samsung Pay integrations provide the digital rails.

Revenue is generated through a diversified mix of account and card fees, net interest income on mortgages and consumer credit, recurring insurance commissions, and asset-management fees on savings, life insurance, and securities products, all flowing through the cooperative model in which customer-members (sociétaires) participate in governance and approximately 90% of regional results are reinvested locally. The entity does not publicly disclose its own revenue figures; it is privately held within the larger Crédit Agricole Group structure and operates under French banking regulation and ECB supervision.

Name

Crédit Agricole Centre Loire

Legal name

Crédit Agricole Centre Loire

Website

https://ca-centreloire.fr

Company type

Private

Operating status

Operating

Short description

Crédit Agricole Centre Loire is a regional cooperative bank serving individuals, professionals, farmers, businesses, associations, and public entities in France's Centre-Val de Loire region with full retail banking, lending, insurance, and investment products distributed via branches, mobile app, and partner channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

akta.pro secondary industries

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Cooperative banking
• Consumer lending
• Savings accounts
• Insurance products

Headquarters

HQ city

Orléans

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking and Account Services: Revenue from account management fees, card fees, and transaction fees on current accounts and banking services offered to retail and professional customers.
2. Lending (Mortgages and Consumer Credit): Interest income from mortgage loans (Prêt Immobilier Facilimmo, PTZ), consumer loans, vehicle loans (Agilauto LOA/LLD), and student loans extended to individuals.
3. Insurance Products: Commission revenue from property and casualty insurance (home, auto, health) and protection products (death, funeral, legal protection, teleassistance) distributed to retail customers.
4. Savings and Investment Products: Revenue from savings accounts (Livret A, LEP, LDDS, etc.), life insurance (Assurance Vie — Oriance), and securities/brokerage accounts (CTO, PEA, ETF), including fund management fees from group entity Amundi.
5. Retirement Products: Revenue from pension savings products including PER (Plan d'Épargne Retraite) in both securities and insurance forms.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Crédit Agricole Centre Loire is a regional cooperative bank providing retail banking, savings, lending, insurance, and investment products to individuals, professionals, farmers, associations, businesses, and public entities in the Centre-Val de Loire region of France. Its products include everyday bank accounts, regulated savings (Livret A, LDDS, LEP), life insurance, securities accounts, retirement plans, home/auto/health insurance, and consumer/mortgage/auto loans, distributed via physical branches and the Ma Banque digital platform.

Product overview

Crédit Agricole Centre Loire is a regional cooperative bank offering a comprehensive retail banking platform through multiple account tiers (Offre Prestige, Premium, Essentiel, and Eko), diverse payment cards (Mozaic Black, Visa Classic, Mastercard Standard, Visa Premier, Gold Mastercard), and extensive savings products including Livret A, LDDS, LEP, Livret Jeune, Livret Faster, and Livret Engagé Sociétaire. The bank's investment and retirement offerings span life insurance (Oriance, Gestion accompagnée), securities accounts (PEA, PEA-PME, ETF), and responsible investments (Amundi Valeurs Durables, Amundi France Engagement), plus retirement plans (PER Compte Titres, PER Assurance). Insurance products cover home, auto, health, and borrower risks, while credit solutions include mortgages (Prêt Immobilier Facilimmo, PTZ), personal loans, student loans, auto financing (Agilauto LLD/LOA), and eco-loans for energy improvements. Digital services include Ma Banque mobile app and mobile payment integration with Apple Pay and Samsung Pay.

Differentiator

Problem solved

Functional benefit

Products and services

• Livret Jeune Youth savings account for individuals aged 12-25 with competitive rates and age-appropriate withdrawal limits. For young retail customers.
• Livret A Tax-free regulated savings account with guaranteed returns, no management fees, and government-backed deposit protection up to €100,000. Available to individual retail customers.
• LDDS (Livret de Développement Durable) Sustainable development savings account funding environmental and social projects, with tax-free interest and no management fees. For individual retail customers.
• LEP (Livret d'Épargne Populaire) Tax-free regulated savings account for low-to-moderate income households, offering higher interest rates than standard livret accounts. For individual retail customers.
• Livret Faster Online savings account with competitive interest rates and enhanced digital banking features. For retail customers seeking digital-first savings.
• Livret Engagé Sociétaire Shareholder savings account that establishes membership in the cooperative bank, with preferential rates and societariat benefits. For retail customers becoming sociétaires.
• Carré bleu Savings account offering competitive returns with funds supporting local agricultural and regional development projects. For retail customers.
• Oriance Life Insurance Life insurance product offering unit-linked and multi-support investment options with management mandates. For individual retail and private banking customers seeking tax-advantaged long-term savings.
• Gestion accompagnée Discretionary wealth management service where portfolio managers make investment decisions on behalf of clients. For private banking clients.
• Compte Titres Ordinaire (CTO) Ordinary securities account for holding and trading stocks, bonds, and other financial instruments outside tax-advantaged wrappers. For retail and private banking customers.
• PEA (Plan d'Épargne en Actions) Tax-efficient equity savings plan allowing investment in European equities with capital gains tax exemption after five years. For retail investors.
• PEA-PME SME-focused equity savings plan complementing the PEA with additional allowance for investing in small and medium-sized enterprises. For retail investors.
• ETF (Exchange-Traded Funds) Exchange-traded funds offering diversified market exposure through tracking indices with lower management fees than actively managed funds. Available to retail and private banking investors.
• Amundi Valeurs Durables Responsible investment fund focused on sustainable companies meeting ESG (Environmental, Social, Governance) criteria. Distributed to retail customers through the bank's responsible investment offerings.
• Amundi France Engagement SRI (Socially Responsible Investment) fund investing in French companies demonstrating strong ESG practices and shareholder engagement policies. For retail investors.
• PER Compte Titres Retirement savings plan held within a securities account, offering tax deductions on contributions and flexible withdrawal options. For retail customers planning retirement.
• PER Assurance Insurance-based retirement savings plan with death benefits and annuity options upon retirement. For retail customers planning retirement.
• Assurance Habitation (Home Insurance) Home insurance covering property damage, liability, and natural disasters with customizable coverage levels. For retail customers, with promotional offering from €6/month (Jeune formula) including a FNAC+ card credited with €40 for new subscribers.
• Assurance Auto (Vehicle Insurance) Vehicle insurance covering damage, theft, and liability with options for all driver profiles, including young drivers. For retail customers.
• Assurance Complémentaire Santé (Supplementary Health Insurance) Supplementary health insurance covering medical expenses not reimbursed by the French national health system. For retail customers and families.
• Prêt Immobilier Facilimmo Home loan product with competitive rates and flexible terms for purchasing or refinancing residential properties. For retail customers and Private Banking clients.
• Prêt à Taux Zéro (PTZ) Government-subsidized zero-interest loan for first-time homebuyers purchasing their primary residence. For retail customers.
• Prêt Personnel (Personal Loan) Unsecured personal loan for financing major purchases or consolidating existing debt with fixed monthly payments. For retail customers.
• Prêt Étudiant (Student Loan) Specialized loan for students with favorable terms including deferred principal payments until after graduation. For student retail customers.
• Prêt Travaux (Home Improvement Loan) Home improvement loan financing renovations, upgrades, or energy efficiency improvements with competitive rates. For retail customers.
• Éco PTZ Zero-interest eco-loan for energy-efficient renovations and sustainable home improvement projects. For retail customers undertaking energy transition work.
• Prêt Auto (Auto Loan) Vehicle financing loan for purchasing new or used automobiles with flexible repayment terms. For retail customers.
• Prêt Transition Mobilité Specialized loan supporting purchase of electric or hybrid vehicles as part of green mobility transition. For retail customers.
• Agilauto LLD / LOA (Vehicle Leasing) Long-term rental (LLD) or leasing with option to purchase (LOA) for vehicles, providing flexibility for automobile acquisition. For retail and professional customers.
• Ma Banque Mobile Application Mobile banking application enabling account management, budget tracking, payments, and financial planning on smartphones. Available on iOS and Android for retail and professional customers.

Quantifiable outcome

• ~90% of regional results are retained and reinvested locally in projects supporting the territory's economic and social development

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• AmundicoreTechnology or IntegrationAmundi, the asset management subsidiary of Crédit Agricole Group, provides investment fund products distributed through Crédit Agricole Centre Loire, including responsible investment funds (Amundi Valeurs Durables, Amundi France Engagement). These are available to retail customers as part of the bank's savings and investment offering.
• Square HabitatcoreChannel Partner/ Reseller/ DistributorSquare Habitat is the real estate agency network of Crédit Agricole, operating under the brand ca-immobilier.fr. It provides real estate brokerage and property search services for individuals purchasing or renting property in the region.
• NexecurminorChannel Partner/ Reseller/ DistributorNexecur is the tele-surveillance subsidiary of Crédit Agricole, offering home alarm and 24/7 monitoring services promoted alongside home insurance products.
• AgilautocoreChannel Partner/ Reseller/ DistributorAgilauto is the vehicle leasing (LLD/LOA) and financing brand of Crédit Agricole, offering vehicle loans, operating leases, and mobility transition loans through the bank's branch network and online.
• FNACminorGTM or Marketing PartnerCross-promotional partnership with FNAC for home insurance products. New subscribers to Crédit Agricole home insurance receive a FNAC+ card credited with €40 as an incentive.
• Crédit Agricole ImmobilierminorChannel Partner/ Reseller/ DistributorGroup subsidiary providing real estate development and property management services, referenced under the bank's real estate solutions section.
• Pleinchamp.comminorGTM or Marketing PartnerAgricultural news and services portal (pleinchamp.com) is a group-affiliated platform referenced in the bank's footer, serving the farming community with agricultural news, markets, and services.
• CA Sport École de VieminorGTM or Marketing PartnerSports partnership program of Crédit Agricole, referenced as 'Partenariats sportifs' (ca-sportecoledevie.fr), promoting sports activities and associations in the region.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Crédit Agricole Normandie-Seine: Another regional Crédit Agricole caisse operating under the same cooperative mutualist model with similar universal banking product suite. Direct peer in terms of business model, customer segments (retail, pro, farmer, enterprise), and reliance on the Crédit Agricole Group platform.
• Crédit Agricole Provence Côte d'Azur: Larger regional Crédit Agricole caisse serving southeastern France. Comparable in product breadth (banking, insurance, investment, retirement) and cooperative ownership model, though larger in scale and serving a different geography.
• Crédit Agricole Bretagne: Regional Crédit Agricole caisse serving Brittany with the same mutualist cooperative model. Comparable across retail and professional banking, agricultural lending heritage, and group-wide Amundi/Agilauto/Square Habitat product distribution.
• Crédit Mutuel Arkéa: French cooperative banking group serving Brittany and adjacent regions, providing retail banking, insurance, and asset management. Directly comparable cooperative mutualist model competing for similar French retail and small business customers.
• Caisse d'Épargne Loire-Centre: Regional branch of Caisse d'Épargne (Groupe BPCE) operating in France's Centre-Val de Loire region. Direct competitor for retail customers, local governments, and social housing entities in the same geographic footprint as Crédit Agricole Centre Loire.
• Banque Populaire Val de France: Regional cooperative bank under Groupe BPCE serving the Val de Loire area. Comparable cooperative mutualist structure competing for retail, professional, and small business customers in central France.

Broad incumbents

• Crédit Mutuel: Major French cooperative banking group operating nationally with similar mutualist philosophy. Broad incumbent offering retail, insurance, and investment products comparable to Crédit Agricole Centre Loire's suite, though at much larger national scale.
• LCL (Le Crédit Lyonnais): French retail bank subsidiary of Crédit Agricole Group, providing nationwide retail banking, savings, insurance, and investment services. Comparable in core retail offerings but operating at significantly larger national scale.
• BNP Paribas: France's largest bank and a major European universal bank offering retail banking (BNP Paribas Banque de Détail en France), insurance, investment, and wealth management. Broad incumbent competing for the same retail, professional, and enterprise customers across France.
• Société Générale: Major French universal bank with retail, corporate, and investment banking operations. Broad incumbent serving similar retail and professional customer segments, providing competitive benchmarks across products and digital capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

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

Revenue estimate

Valuation estimate

Number of profiles

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 Crédit Agricole Centre Loire