Crédit Agricole de Lorraine

What Crédit Agricole de Lorraine does

Crédit Agricole de Lorraine is a regional cooperative bank (Caisse Régionale) operating within the Crédit Agricole mutualist banking group, headquartered in Metz, France. It serves individuals, private-banking clients, professionals, farmers, associations, SMEs, and social-housing/public-sector entities across the four departments of the Lorraine region (Meurthe-et-Moselle, Meuse, Moselle, Vosges) through a regional branch network and the Ma Banque digital platform. As a cooperative, ownership is held by sociétaires (member-customers) — Crédit Agricole reports approximately 12 million sociétaires group-wide — and roughly 90% of regional results are reinvested locally in territorial development, a structural feature of its operating model.

The franchise delivers a full-service retail and bancassurance product suite spanning four-tier bank account packages (Offre Prestige, Premium, Essentiel, and the digital-only Eko), card products (Mozaic Black, Mastercard Standard, Visa Classic, Gold Mastercard, Visa Premier), mobile payments (Apple Pay, Samsung Pay), regulated and discretionary savings (Livret A, LDDS, LEP, Livret Jeune, Livret Engagé Sociétaire, Oriance life insurance, Gestion Sous Mandat), investment accounts (CTO, PEA, PEA-PME, ETFs, Amundi responsible-investment funds), retirement plans (PER), credit products (Facilimmo mortgage, PTZ, personal, student, revolving, eco-renovation loans, Agilauto vehicle leasing), and a full P&C and life insurance catalogue including home, auto, motorcycle, health, death, creditor, legal protection, teleassistance, and telesurveillance. Distribution runs through physical branches, the iOS/Android Ma Banque app, online account opening, the Espace Client web portal, and digital simulators for mortgage, savings, and insurance pricing.

Revenue mechanics combine interest income on mortgage and consumer credit (including government-backed PTZ and Eco-PTZ), subscription-based fees across the four account tiers, recurring insurance premiums, and asset-based fees on savings, life insurance, retirement, and brokerage products. GTM is a hybrid of direct-to-consumer (branch and digital self-serve) and sales-led (dedicated relationship advisors segmented by customer type), supported by partnerships with Amundi (investment funds), Apple Pay/Samsung Pay (payments), FNAC (cross-promotion), Nexecur (security services), Pleinchamp.com (agricultural channel), and Propulse by CA (entrepreneur ecosystem).

Name

Crédit Agricole de Lorraine

Legal name

Crédit Agricole de Lorraine

Website

https://ca-lorraine.fr

Company type

Private

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Crédit Agricole de Lorraine is a regional cooperative bank within the Crédit Agricole group, serving individuals, professionals, farmers, associations, businesses, and public entities across the Lorraine region of France through branches and the Ma Banque digital platform, offering accounts, credit, savings, insurance, and investment products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

State Commercial Banks (6022), Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industries

SME Commercial Real Estate (CRE) Lending (FSABABAG), Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Retail banking services
• Cooperative banking
• Consumer lending
• Wealth management
• Property and casualty insurance

Headquarters

HQ city

Metz, France

HQ country

France

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Revenue from interest charged on mortgage loans, consumer loans, and other credit products. Includes specialized products like Prêt Immobilier Facilimmo, Prêt à Taux Zéro, and Eco PTZ for energy-efficient renovations.
2. Banking Service Fees: Monthly account fees, card fees, and transaction fees from current account services. Products include account packages (Offre Prestige, Premium, Essentiel, Eko) with varying fee levels.
3. Insurance Premiums: Revenue from property and casualty insurance (home, auto, motorcycle), health insurance, and creditor insurance on loans. Includes accident of life insurance and legal protection.
4. Savings and Investment Products: Revenue from life insurance products (Oriance, Gestion accompagnée), savings accounts management, and brokerage services (CTO, PEA, ETF). Includes Amundi investment funds.
5. Retirement Products: Revenue from pension savings products including PER Compte Titres and PER Assurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Crédit Agricole de Lorraine is a regional cooperative bank that provides retail banking, consumer and real-estate lending, savings and investment products, retirement planning, and property/casualty, health, and creditor insurance to individuals, professionals, farmers, associations, businesses, and public entities in the Lorraine region of France. Services are delivered through physical branches, the Ma Banque mobile application, online banking portals, and digital simulators for credit, insurance, and retirement planning.

Product overview

Crédit Agricole de Lorraine operates as a regional cooperative bank offering a comprehensive suite of banking and insurance products through a platform-plus-services architecture. The core digital platform is the Ma Banque mobile application, supplemented by online banking services accessible via web browsers. The product portfolio spans multiple categories: (1) Banking accounts at four service tiers (Prestige, Premium, Essentiel, and digital-only Eko), with associated debit/credit cards (Mozaic Black, Mastercard Standard, Visa Classic, Gold Mastercard, Visa Premier) and mobile payment integration (Apple Pay, Samsung Pay); (2) Savings products including regulated accounts (Livret A, LDDS, LEP, Livret Jeune), shareholder-specific Livret Engagé Sociétaire, and life insurance (Oriance) with discretionary management options; (3) Investment services covering securities accounts (CTO), tax-advantaged equity plans (PEA, PEA-PME), ETFs, and socially responsible investment funds (Amundi Valeurs Durables, Amundi France Engagement); (4) Retirement solutions through PER accounts in both securities and insurance formats; (5) Credit products including mortgages (Facilimmo, PTZ), consumer loans (Personal, Student, Revolving), home improvement loans (with Eco PTZ for energy efficiency), and vehicle financing (Agilauto LLD/LOA, auto loans, two-wheeler loans); (6) Insurance offerings spanning home, auto, health, death/funeral, credit life, legal protection, mobile device, accident, liability, and specialized senior assistance (Téléassistance) and security monitoring (Télésurveillance). The bank also provides simulated services for mortgage, auto, home, health, and savings calculations.

Differentiator

Problem solved

Functional benefit

Brands

• Ma Banque: Mobile banking application for customers to manage their daily banking activities.
• Eko
• Offre Prestige
• Offre Premium
• Offre Essentiel

Products and services

• Offre Prestige Premium banking account package offering comprehensive banking services with privileged benefits and personalized advisory services for high-net-worth individual clients.
• Offre Premium Premium tier banking account with enhanced services and benefits above the standard offering for individual clients.
• Offre Essentiel Core banking account package providing essential banking services at a competitive monthly rate for individual clients.
• Offre Eko Digital-only banking account offering free account management with basic features for individual clients, with a current promotional bonus of up to €100 for new openings.
• Cartes Bancaires (Mozaic Black, Mastercard Standard, Visa Classic, Gold Mastercard, Visa Premier) Range of debit and credit cards at different tiers (Classic, Gold, Premier, Mozaic Black) offering varying benefits, insurance coverage, and withdrawal limits for individual account holders.
• Paiement Mobile (Apple Pay, Samsung Pay) Mobile payment solutions enabling contactless payments via smartphone using Apple Pay and Samsung Pay platforms for individual cardholders.
• Livret A Regulated French savings account with tax-free interest, guaranteed by the French state, for individual savers.
• LDDS (Livret de Développement Durable) Sustainable development savings account supporting environmentally and socially responsible projects for individual savers.
• LEP (Livret d'Épargne Populaire) Popular savings account with tax-free interest, available to income-eligible individual customers.
• Livret Jeune Mozaic Youth savings account designed for customers aged 12 to 25 with competitive rates.
• Livret Engagé Sociétaire Savings account exclusive to Crédit Agricole shareholders with enhanced solidarity-focused benefits.
• Assurance Vie - Oriance Life insurance product offering investment and savings accumulation with various fund options for individual clients.
• Gestion Sous Mandat (Gestion Accompagnée) Discretionary portfolio management service where the bank manages investments on behalf of individual clients.
• Compte Titres Ordinaire (CTO) Ordinary securities account for holding and trading stocks, bonds, and other financial instruments outside of tax-advantaged accounts for individual clients.
• PEA (Plan d'Épargne en Actions) Tax-advantaged equity savings plan for investing in European stocks and funds with tax benefits on gains for individual clients.
• PEA-PME Equity savings plan specifically for investing in small and medium-sized enterprises with tax advantages for individual clients.
• ETF (Exchange-Traded Funds) Exchange-traded funds offering diversified market exposure through a single investment vehicle for individual clients.
• Amundi Valeurs Durables Responsible investment fund focused on sustainable and ESG-compliant companies, distributed through Crédit Agricole de Lorraine for individual investors.
• Amundi France Engagement Engagement-focused investment fund investing in French companies with a focus on shareholder engagement, distributed through Crédit Agricole de Lorraine for individual investors.
• PER (Plan d'Épargne Retraite) Retirement savings plan available in both securities account and insurance formats, offering tax advantages for retirement savings for individual clients.
• Crédit Immobilier Facilimmo Real estate loan product offering competitive rates for property acquisition with flexible repayment options for individual borrowers.
• PTZ (Prêt à Taux Zéro) Zero-interest government-backed loan for first-time homebuyers purchasing their primary residence.
• Prêt Personnel Personal loan for financing various personal needs with fixed interest rates and set repayment terms for individual borrowers.
• Prêt Étudiant Student loan designed to finance higher education expenses with favorable conditions for young individual borrowers.
• Crédit Renouvelable Revolving credit facility providing a flexible reserve of funds that can be drawn as needed for individual borrowers.
• Prêt Travaux / Prêt Transition Logement Home improvement loans including standard renovation loans and eco-friendly transition loans for energy efficiency improvements for individual borrowers.
• Éco PTZ Zero-interest eco-loan for energy efficiency renovations in residential properties for individual borrowers.
• Agilauto (LLD/LOA) Vehicle leasing and long-term rental solutions for new or used vehicles with maintenance options for individual customers.
• Assurance Habitation Home insurance coverage protecting property and belongings against risks, with specific formulas for young renters and non-occupant owners.
• Assurance Auto / Moto / Scooter / Trottinette Électrique / Jeune Conducteur Vehicle insurance covering damage, theft, and liability for cars, motorcycles, scooters, and electric scooters, with special options for young drivers.
• Assurance Complémentaire Santé Supplemental health insurance covering medical expenses not reimbursed by the French public health system.
• Assurance Décès et Obsèques Death and funeral expense insurance providing financial protection for beneficiaries and funeral arrangements.
• Assurance Emprunteur Credit life insurance protecting borrowers and lenders by covering outstanding loan balances in case of death or disability.
• Téléassistance Remote assistance and monitoring service for elderly or vulnerable individuals ensuring safety and rapid response.
• Télé surveillance (Nexecur) Home security monitoring service with 24/7 surveillance and emergency response capabilities, offered in partnership with Nexecur.
• Assurance Habitation Jeune Home insurance product targeted at young homeowners, starting at €6/month with accompanying FNAC+ card membership providing €40 credit.

Named customers2 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• AmundicoreTechnology or IntegrationInvestment management partnership for socially responsible investment products. Amundi Valeurs Durables and Amundi France Engagement funds are offered through Crédit Agricole de Lorraine for responsible investing.
• Apple PaycoreTechnology or IntegrationMobile payment integration allowing customers to pay with Apple devices using Crédit Agricole cards.
• Samsung PaycoreTechnology or IntegrationMobile payment integration allowing customers to pay with Samsung devices using Crédit Agricole cards.
• FNACminorGTM or Marketing PartnerCross-promotional partnership offering FNAC+ card with 40€ credit for new home insurance subscribers. Insurance product advertised through FNAC retail channels.
• NexecurminorStrategic or Co-development PartnerHome security and remote monitoring service partnership providing Telesurveillance services to insurance customers.
• Pleinchamp.comminorChannel Partner/ Reseller/ DistributorAgricultural information and services portal partnership for farmer customer acquisition and agricultural product distribution.
• Propulse by CAminorGTM or Marketing PartnerStartup support and innovation initiative partnership within Crédit Agricole ecosystem for entrepreneurial customer support.

Scale indicators3 records

Recent moves1 record

Expansion highlights5 records

Broad incumbents

• BNP Paribas: France's largest listed bank with nationwide retail banking (BNP Paribas Banque de Détail), insurance, and asset management. Competes with Crédit Agricole de Lorraine on product breadth and brand, but operates at much greater scale and on a for-profit (not mutualist) basis.
• Société Générale: Major French universal bank with retail banking, insurance, and investment services across France. Competes in similar customer segments and product categories, particularly in mortgages, savings, and insurance, but with a national (and international) footprint and listed structure.
• LCL (Le Crédit Lyonnais): Major French retail bank (Crédit Agricole SA subsidiary) serving individuals, professionals, and businesses nationwide. Offers comparable full-service retail banking with particular strength in private banking and urban professional segments, providing competitive overlap in Lorraine's larger cities.
• La Banque Postale: French retail bank historically tied to La Poste, offering banking, insurance, and savings products nationwide. Strong competitor in mass-market consumer banking and savings accounts, particularly for regulated products like Livret A.
• Crédit Mutuel: National cooperative banking federation in France with regional caisses offering retail banking, insurance, and wealth management. Closest listed-style cooperative peer at national scale, with similar mutualist values and full-service retail product suite.

Emerging players

• Boursorama Banque: Online-only French retail bank (Société Générale subsidiary) competing aggressively on savings rates, brokerage fees, and account-opening convenience. Represents the digital-first competitive pressure Crédit Agricole de Lorraine faces in the under-40 segment, particularly for the Eko-style offering.

Direct peers

• Caisse d'Épargne Grand Est Europe: Regional savings bank within the Groupe BPCE cooperative network, operating in the same Grand Est region as Crédit Agricole de Lorraine. Comparable regional retail/cooperative model with similar product breadth.
• Crédit Agricole Alsace Vosges: Another regional Caisse Régionale within the Crédit Agricole group, serving the adjacent Alsace-Vosges territory with a similarly broad product range in banking, insurance, and savings. The closest peer by structure, governance, and product mix.
• Banque Populaire Alsace Lorraine Champagne: Regional cooperative bank within Groupe BPCE serving the Alsace-Lorraine-Champagne area. Overlapping customer segments, mutualist structure, and full-service retail banking offering make it a close geographic and structural peer.
• Crédit Mutuel Arkéa: French cooperative banking group with regional federations offering retail banking, insurance, and asset management. Comparable mutualist structure and multi-segment product strategy targeting regional French customers.

Market position

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@creditagricolelorraine21
• Facebookfacebook.com/creditagricoledelorraine
• LinkedInlinkedin.com/company/cr%C3%A9dit-agricole-de-lorraine
• Instagraminstagram.com/c_a_lorraine

Compliance3 records

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 de Lorraine