Crédit Agricole des Savoie

What Crédit Agricole des Savoie does

Crédit Agricole des Savoie (legal name: Caisse Régionale du Crédit Agricole Mutuel des Savoie) is a regional cooperative bank headquartered in Annecy with a regional office in La Motte Servolex, operating exclusively in the Savoie and Haute-Savoie departments of France. As a Société Coopérative à capital variable and member of the national Crédit Agricole Group network, it is owned by its member-customers (sociétaires) rather than external investors. Its product set spans the full retail-banking value chain — savings, real estate loans, consumer credit, insurance, wealth management and retirement planning — delivered through nearly 160 bank and insurance agencies and complemented by the national digital platform credit-agricole.fr.

The bank serves a customer base of 728,427 clients, of which 383,371 are sociétaires participating in cooperative governance through 64 Caisses Locales and 840 elected administrators. Customer segmentation covers individuals, professionals and enterprises, farmers, local associations, municipalities, and clients facing financial difficulty. The Go-to-Market is relationship-led via in-branch advisors, augmented by digital channels and supported by 157 relay agencies used as part of the Point Passerelle social-support program (3,000+ people assisted, 80%+ resolution rate).

Beyond core banking, the bank operates an extensive societal engagement stack: the annual 'Agir pour l'Avenir des Savoie' call for projects (€150,000 per edition across 12 local projects), the Savoie Mont-Blanc Biodiversité endowment fund (€270,000 over 3 years as founding patron), and recurrent cultural sponsorships including the Musilac Festival (8-year major partner) and Malraux scène nationale. In 2023 it created Energie des Savoie, a joint venture with Groupe Cayrol, to finance, build and operate photovoltaic solar installations for professionals and farmers via third-party-investment — extending the bank into decentralized renewable-energy infrastructure. Revenue generation combines net interest income, fees, and insurance commissions on a recurring relationship basis, with no public pricing or P&L disclosure at the regional level.

Name

Crédit Agricole des Savoie

Legal name

Caisse Régionale du Crédit Agricole Mutuel des Savoie

Website

https://tous-acteurs-des-savoie.coop

Company type

Private

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Crédit Agricole des Savoie is a regional cooperative bank serving 728,427 clients across the Savoie and Haute-Savoie departments of France through nearly 160 branches, offering full retail and corporate banking plus energy-transition and societal programs under the Crédit Agricole Group brand.

Ownership category

akta.pro rank

Product category

Regional Retail Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022), Commercial Banks, Nec (6029)

akta.pro primary industry

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

akta.pro secondary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• Retail banking services
• Cooperative banking
• Insurance products
• Mortgage and consumer credit
• Wealth management

Headquarters

HQ city

Annecy

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking Services: Traditional banking services including savings, real estate loans, consumer credit, insurance, wealth management, and retirement planning for individuals and businesses across Savoie and Haute-Savoie.
2. Insurance Products: Bank insurance products offered through nearly 160 bank and insurance agencies.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Crédit Agricole des Savoie is a regional cooperative bank providing retail and commercial banking, insurance, wealth management, and retirement products to individuals, professionals, farmers, and enterprises across the Savoie and Haute-Savoie departments through nearly 160 branches and 64 local Caisses. It supplements core banking with societal programs (Point Passerelle financial-inclusion support, Appel à projets local-project funding, Mon Energie by CA solar solutions, Energie des Savoie photovoltaic subsidiary) and cultural and sports sponsorships that reinforce its mutualist identity.

Product overview

Crédit Agricole des Savoie operates as a regional cooperative bank offering comprehensive banking and insurance services (savings, mortgages, consumer credit, insurance, wealth management, retirement) through nearly 160 agencies. Beyond traditional banking, it runs multiple societal initiatives including the annual 'Agir pour l'Avenir des Savoie' project fund (150,000 euros per edition), the Savoie Mont-Blanc Biodiversité endowment fund (270,000 euros over 3 years), and the Point Passerelle social support service. Digital offerings include the national 'J'écorénove mon logement' energy renovation platform, the 'Mon Energie by CA' solar autoconsumption solution (via Comwatt partnership), and the photovoltaic subsidiary 'Energie des Savoie' (with Groupe Cayrol). Partner platforms include Yapla (association management), Youzful by CA (youth employment), and J'aime mon territoire (local mutual aid). The bank also sponsors major regional cultural and sports events including Musilac Festival, Festival Au Bonheur des Mômes, and the Team CA des Savoie athlete program.

Differentiator

Problem solved

Functional benefit

Brands

• Point Passerelle: Social support device for clients facing financial difficulties, providing personalized assistance and solutions.
• Team Crédit Agricole des Savoie
• Tous Acteurs des Savoie

Products and services

• Banking and Insurance Services for individuals and professionals Full-range banking and insurance offering including savings, mortgage lending, consumer credit, insurance, family protection, wealth management and retirement planning, distributed through nearly 160 bank and insurance agencies across the two Savoie departments. Designed for individual customers, professionals and local enterprises.
• J'écorénove mon logement National digital platform providing advice, tools and simulators to estimate available subsidies, budget renovation work, and locate RGE-certified professionals for housing energy renovation. Serves homeowners, tenants and condominium associations in Savoie and Haute-Savoie.
• Mon Energie by CA Solar autoconsommation (self-consumption) solution with intelligent equipment management for households, delivered through a partnership between Crédit Agricole and Comwatt. Includes dedicated webinars for CA des Savoie clients.
• Point Passerelle Bank's dedicated financial-inclusion service offering human, personal and financial support to clients facing financial difficulty following life events (job loss, illness, death, separation), including budget-education workshops. Backed by a network of 157 relay agencies and multi-domain partners.
• Energie des Savoie Photovoltaic subsidiary jointly controlled by CA des Savoie and Groupe Cayrol that designs, finances and operates solar installations for businesses and farmers through a third-party-investment model, allowing customers to benefit from renewable energy without bearing installation and management costs.
• Support for victims of domestic violence Specific banking support service for clients victims of domestic violence, providing dedicated banking accompaniment and rapid-response support through the bank's Centre de Relations Clients.

Quantifiable outcome

• 80%+ situations resolved for clients in financial difficulty through Point Passerelle program
• +4 more outcomes

Named customers13 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

19 partnerships are on record, tiered core, flagship and minor.

• Groupe CayrolcoreStrategic or Co-development Partner · 1 February 2023Joint venture creating Energie des Savoie for photovoltaic energy production. Enables the bank to develop, finance and operate solar installations for professionals, businesses and farmers, allowing them to benefit from renewable energy without bearing installation costs.
• Energie des SavoiecoreStrategic or Co-development PartnerSubsidiary (alliance between CA des Savoie and Groupe Cayrol) that designs, finances and operates photovoltaic installations for businesses and farmers through third-party investment, enabling local energy transition.
• Fondation Crédit Agricole Solidarité et DéveloppementflagshipOthersPublic utility foundation pursuing actions for socio-economic autonomy of people in France. CA des Savoie participates through project funding including EPSM 74 mental health support (8,500€ donation).
• Fondation Crédit Agricole Pays de FranceflagshipOthersFoundation supporting local community initiatives (collectivities, associations, project carriers) for preservation and enhancement of rural and urban heritage. Has financed nearly 1,250 projects for over 36 million euros since creation. CA des Savoie co-funded Buvette Cachat restoration through this foundation.
• Les Petites PierrescoreStrategic or Co-development PartnerFoundation fighting bad housing and developing social bonds through Habitat. CA des Savoie doubled collection target for Maison Audacieuse project in Annecy, supporting women victims of violence, health, creativity and social links.
• YaplaminorGTM or Marketing PartnerExtra-banking payment and management platform for associations enabling online payments, event organization, site creation, membership management, donation tracking and fundraising.
• Youzful by CAminorGTM or Marketing PartnerPlatform connecting young people with companies and professionals recruiting in territories. Aims to facilitate job search with accessible offers, professional community, and orientation information in partnership with L'Etudiant and L'Apprenti.
• J'aime mon territoireminorGTM or Marketing PartnerMutual aid platform between individuals and local actors fostering social proximity links, supporting initiatives of professionals, associations and local authorities with free visibility.
• Musilac FestivalflagshipGTM or Marketing PartnerMajor partner of Musilac festival in Aix-les-Bains for 8 consecutive years. Sponsorship includes preferential tickets for sociétaire clients, VIP experiences, and on-site activations with makeup, Cubdo refreshments, and avatar experiences.
• Malraux scène nationale Chambéry SavoiecoreGTM or Marketing PartnerCultural sponsorship supporting accessible culture for all. Funded La Bande à Tyrex project where artists cycled through Chambéry neighborhoods for artistic encounters and a final performance at Château des Ducs.
• Savoie Mont-Blanc Biodiversité FundflagshipStrategic or Co-development PartnerFounding partner and first private supporter of the fund initiated by CEN Savoie and CEN Haute-Savoie. Committed 270,000€ over 3 years for biodiversity initiatives. Supports 7 projects in 2023 including litterelle reinforcement on Lake Geneva, nature domes in Contamines-Montjoie, bee habitats, and local seed preservation.
• INNOVALEScoreStrategic or Co-development PartnerFrance Rénov' space partner for renovation energy advice to property owners, tenants and condo associations. Joint convention to accelerate territory's energy transition.
• ASDERcoreStrategic or Co-development PartnerFrance Rénov' space partner for renovation energy advice and information on available aids and competent professionals. Joint convention supporting homeowners in energy renovation projects.
• VoltalisminorGTM or Marketing PartnerPartner for connected thermostat solution for electric radiators - free, no subscription - to reduce electricity consumption and manage energy expenses. Joint contest with CA Transitions & Energies offering 1,500€ prize.
• Entreprendre Pour Apprendre (EPA)coreStrategic or Co-development PartnerChallenge inter Caisses Régionales program where 42 youth aged 15-17 from Lycée Monge experienced entrepreneurship. CA des Savoie winning team TALIS (electronic device for elderly wellbeing) went on to win Fédé AURA for second consecutive year.
• Groupe Mont Blanc Médias / Radio Mont BlanccoreGTM or Marketing PartnerMajor partner of TOP FAB program rewarding creativity and commitment of Haute-Savoie high school students in promoting industrial careers. Competition with robot building mentored by local companies (Bontaz, Nicomatic, Quadra Concrete, Stäubli).
• Conservatoire d'Espaces Naturels de Savoie (CEN 73)coreStrategic or Co-development PartnerPartner in Savoie Mont-Blanc Biodiversité fund for preserving natural heritage. Joint projects include Fontaine des Janon forest restoration, local seed harvesting, and agricultural site management.
• Conservatoire d'Espaces Naturels de Haute-Savoie (CEN 74)coreStrategic or Co-development PartnerPartner in Savoie Mont-Blanc Biodiversité fund for preserving natural heritage. Joint projects include Rando Nature Haute-Savoie app and Contamines-Montjoie nature domes.
• Point Passerelle Network PartnerscoreChannel Partner/ Reseller/ DistributorNetwork of local partners for financial inclusion support including: mobility (Orange, Care Makers), food (Epicerie Jeanne Burdin, Food Banks), energy (EDF, ENGIE), family/social (CAF, Emmaus, Secours Catholique, CCAS, UDAF), health (AMELI), youth (Mission Locale), housing (GAIA, SOLIHA, OPAC Savoie, ADIL), work (ADISES Active, SNC, ADIE), finance (CA Consumer Finance), platform (Papernest).

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Others

• Bpifrance: French state-owned development bank providing SME financing, innovation funding, and export credit. Acts as a co-lender and not a direct competitor, but its activity in the Savoie/Haute-Savoie shapes the SME lending market in which CA des Savoie operates.

Broad incumbents

• Crédit Agricole Group: National cooperative banking group that owns, governs, and provides infrastructure/services to CA des Savoie. As the parent and broader network, it sets strategic direction, distributes national products (J'écorénove, Mon Energie by CA), and consolidates performance.
• Société Générale: One of France's three large national retail and commercial banks. Competes with CA des Savoie in the Savoie/Haute-Savoie for retail, professional, and enterprise clients and offers the broader product set (savings, mortgages, insurance, wealth management) that benchmarks the regional bank's product breadth.
• La Banque Postale: French public-service retail bank with a national branch network including Savoie/Haute-Savoie. Overlaps significantly in retail banking and local public-sector lending, providing a useful benchmark for digital transformation and public-bank economics.
• BNP Paribas: Largest French banking group, active nationally in retail, SME, and corporate banking. While BNP Paribas's mass-retail arm (BNP Paribas Banque de Détail en France) competes in the same Savoie geography, it does not specialize in the regional cooperative model that differentiates CA des Savoie.
• Crédit Mutuel Alliance Fédérale: Major French cooperative banking federation, national-level peer to the Crédit Agricole Group. Operates local banks with the same cooperative/mutualist structure, offering retail, insurance, and SMB banking, with broadly comparable economics and customer positioning.

Direct peers

• Caisse d'Épargne Rhône-Alpes: Regional cooperative bank of the Caisse d'Épargne network operating in the Auvergne-Rhône-Alpes region, including the Savoie/Haute-Savoie. Directly comparable: same territory, same retail/SME focus, same cooperative-style model, competing head-to-head for individuals, professionals, and local enterprises.
• Caisse Régionale de Crédit Agricole Mutuel Sud Rhône-Alpes: Sibling Caisse Régionale within the Crédit Agricole Group, operating in the southern part of the Auvergne-Rhône-Alpes region. Same business model, same parent organization, and overlapping service offerings provide a near-perfect structural peer for benchmarking.
• Crédit Mutuel Savoie Mont Blanc: Local federation of Crédit Mutuel covering the Savoie and Haute-Savoie departments. Direct competitor in the same geographic footprint with a cooperative mutualist structure, full retail banking offering, and similar SMB and individual client focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Credit.Agricole.Des.Savoie
• LinkedInlinkedin.com/company/cr%C3%A9dit-agricole-des-savoie
• Instagraminstagram.com/ca_des_savoie/?hl=fr

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Subsidiaries1 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 Crédit Agricole des Savoie