Caisse d'Epargne CEPAC

Name

Caisse d'Epargne CEPAC

Legal name

Caisse d'Epargne CEPAC

Website

https://caissedepargne-cepac.fr

Company type

Private

Operating status

Operating

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Credit Unions (522130)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

Public Sector & Municipal Credit Unions (FSABAEAK)

Keywords

• Retail banking services
• Cooperative banking
• SME lending
• Private banking services
• Social housing financing

Headquarters

HQ city

Marseille

HQ country

France

HQ region

Europe

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest margins on loans and mortgages, consumer credit, and business financing
2. Banking Fees and Commissions: Account management fees, transaction fees, and commissions on banking services
3. Impact Savings Products: Term accounts with impact-linked interest rates for social housing and institutional clients
4. Insurance Products: Banking and insurance products through ORIAS-registered intermediary

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

Caisse d'Epargne CEPAC is a cooperative regional bank serving individuals, professionals, SMEs, large enterprises, social housing actors, healthcare providers, and local authorities across southeastern metropolitan France and overseas territories. It provides current and savings accounts, consumer and mortgage credit, insurance, private banking, business banking, and impact-linked savings products, with €3 billion+ per year reinvested locally in territorial projects.

Product overview

Caisse d'Epargne CEPAC is a regional cooperative bank offering standard banking and financial services to individuals, professionals, businesses, and local authorities. The bank provides current accounts, savings accounts, mortgage financing, insurance products, and digital banking services. It operates alongside the BPCE group and its subsidiaries, including Cepac Immobilier for real estate services. The institution focuses on regional economic development, social housing financing, healthcare sector support, and sustainable finance products including green savings accounts (Compte sur Livret Vert, Livret de Développement Durable et Solidaire) and impact-linked term accounts. The bank also participates in sports and cultural sponsorships through naming rights (CEPAC Vélodrome) and athlete support programs (Team CEPAC, Pacte de Performance).

Differentiator

Problem solved

Functional benefit

Products and services

• Current Accounts and Everyday Banking Standard personal banking accounts, payment instruments, and day-to-day transactional services for individuals across metropolitan and overseas territories.
• Savings Accounts (Livret A, LDDS, green savings) Interest-bearing savings accounts including Compte sur Livret Vert, Livret de Développement Durable et Solidaire, and other themed savings vehicles for individuals and institutions.
• Mortgage and Consumer Credit Home loans and consumer credit facilities for personal customers, funded through CEPAC's deposit base.
• Insurance Products (ORIAS-registered intermediary) Bancassurance and insurance products distributed to customers through CEPAC as an ORIAS-registered intermediary, including personal insurance and professional insurance.
• Private Banking Services Premium banking services for high net worth individuals, including wealth management, estate planning, and investment advisory, delivered through dedicated private banking spaces.
• Business and SME Banking Business banking services for professionals and SMEs, including financing, cash management, and professional insurance, delivered through CEPAC's business centers.
• Corporate and ETI Banking Corporate banking, investment financing, and ETI (intermediate-sized enterprise) support for larger customers and regional economic actors.
• Social Housing and Public Sector Financing Financing solutions for social housing providers, public hospitals, and local authorities; CEPAC identifies as the first private financier of social housing and public hospitals in France.
• Compte à Terme à Impact (CAT à Impact) Impact-linked term deposit that rewards clients' social or environmental commitments with a rate bonification; initially for social housing organizations and institutional investors, expanded to additional eligible sectors.
• Cryptocurrency Trading via BPCE/Hexarq Cryptocurrency trading service (Bitcoin, Ether, Solana, USDC) offered by BPCE through its Hexarq subsidiary, accessible to CEPAC customers via mobile banking.
• Real Estate Services (Cepac Immobilier) Real estate services and property management provided through Cepac Immobilier, a wholly-owned subsidiary of Caisse d'Epargne CEPAC.

Quantifiable outcome

• €3 billion+ reinvested annually in territorial projects
• +5 more outcomes

Named customers7 records

Segments8 records

Ideal customer profiles6 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 flagship, core and minor.

• Olympique de MarseilleflagshipStrategic or Co-development Partner · 25 June 2026Seven-year naming rights partnership for Stade Vélodrome (becoming 'CEPAC Vélodrome') from July 2026. Historical partnership since 1986 with uninterrupted support to the club, including support to Olympiennes (women's team) since 2022.
• France Alzheimer MayottecoreStrategic or Co-development Partner · 12 February 2026Partnership to support Alzheimer's patients and families in Mayotte through a fully equipped mobile support truck, enabling home visits, memory workshops, prevention, and caregiver support across the archipelago.
• Global Leadership by Women SummitcoreGTM or Marketing Partner · 28 November 2025Official partner of the first edition of the summit organized in Marseille, focused on women's leadership and gender equality in business.
• Paris 2024 Olympic Games (Parrain Officiel du Relais de la Flamme)flagshipStrategic or Co-development Partner · 1 January 2024Premium Partner of Paris 2024 Olympic and Paralympic Games, and Official Sponsor of the Olympic Flame Relay. 44 relay runners selected from CEPAC clients and stakeholders.
• Institut Paoli-CalmettesflagshipStrategic or Co-development Partner · 6 April 2023Over 40-year partnership supporting cancer research and treatment at the Marseille-based oncology center. CEPAC is a major private financier and partner in the institution's development.
• Pacte de Performance (Ministry of Sports)coreStrategic or Co-development Partner · 1 January 2019National program supporting Olympic and Paralympic athletes with financial resources. CEPAC sponsors Team CEPAC of 7 athletes from metropolitan and overseas territories.
• Festival des Écritures des AmériquesminorStrategic or Co-development Partner · 1 January 2016Supporting this literary festival in Guadeloupe since 2016, celebrating Caribbean and international literature.
• Olympique de Marseille (Historical Partnership)flagshipStrategic or Co-development Partner · 1 January 198640-year partnership since 1986, making CEPAC one of the longest-serving sponsors in French sports. Partnership includes men's and women's teams, stadium naming, and fan engagement.
• Cancer@WorkcoreStrategic or Co-development PartnerCharter facilitating inclusion and employment retention for people affected by cancer or chronic illness. CEPAC was among first major Marseille companies to sign.
• Prev&CareminorStrategic or Co-development PartnerPlatform supporting caregivers (aidants) in managing professional and personal responsibilities.
• Festival Les Suds, à ArlesminorStrategic or Co-development PartnerMécène (patron) of the Festival Les Suds for 25 years, celebrating world music in Arles' heritage venues.
• Fondation Caisse d'Epargne BelemminorStrategic or Co-development PartnerThe historic three-masted ship Belem, owned by the foundation, carried the Olympic flame from Greece to Marseille in 2024.
• Erilia (Social Housing)minorStrategic or Co-development PartnerPartnership to construct basketball 3x3 courts in neighborhoods, starting with Arnavaux II project in Marseille.
• Sport dans la VilleminorStrategic or Co-development PartnerSupporting basketball court construction in Aubagne and neighborhood sports initiatives for social inclusion.
• OM FondationminorStrategic or Co-development PartnerSupporting the Olympique de Marseille foundation for youth development and social programs.
• Provence Rugby, Rapaces de Gap, PAUC Handball, CEPAC SilominorStrategic or Co-development PartnerSports club partnerships supporting regional athletics and community engagement through October Rose breast cancer awareness campaign.
• HEC Paris / Protis ClubminorStrategic or Co-development PartnerMécène of the HEC eloquence competition regional finale organized by Protis Club, supporting youth education.
• BPCE Group (Parent Company)flagshipOthersCEPAC is part of BPCE Group, France's second-largest banking group. BPCE announced crypto services (Bitcoin, Ether, Solana, USDC) through Hexarq subsidiary.
• Cepac ImmobiliercoreOthersSubsidiary of Caisse d'Epargne CEPAC specializing in real estate, with new Director General Pierre Urbanik appointed from September 2026.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Crédit Agricole Provence Côte d'Azur: Regional arm of Crédit Agricole, France's other major cooperative banking group, operating in the same PACA territory. Closely comparable cooperative bank model serving individuals, professionals, SMEs, and local authorities with similar product offerings.
• Banque Populaire Méditerranée: Sister cooperative bank under Groupe BPCE serving the Mediterranean/PACA region. Shares the same parent group, cooperative ownership model, and primary focus on retail, SME, and local authority banking overlapping CEPAC's core geography.
• Caisse d'Epargne Auvergne Limousin: Sister regional Caisse d'Epargne bank under the same Groupe BPCE umbrella. Operates as a cooperative bank serving Auvergne and Limousin with the same member-owned model, branch-led distribution, and regional territorial focus as CEPAC.
• Caisse d'Epargne Rhône Alpes: Caisse d'Epargne regional bank covering the Rhône-Alpes area. Same cooperative governance, BPCE parent, retail/SME/private banking focus as CEPAC, with comparable social housing and local authority lending activity.
• Caisse d'Epargne Hauts de France: Another Caisse d'Epargne regional entity within Groupe BPCE, providing identical retail and SME banking services under a cooperative structure. Directly comparable business model, product set, and governance framework to CEPAC.
• Crédit Coopératif: French cooperative bank specializing in the social and solidarity economy, including social housing, associations, and ESG-aligned enterprises. Highly comparable cooperative model, customer base (social economy actors, NGOs), and impact-oriented product suite to CEPAC.
• Crédit Mutuel Méditerranéen: Regional cooperative bank serving the Mediterranean basin of France. Operates with the same member-owned cooperative structure, branch network, and universal banking focus on retail, SME, and social-economy lending.

Broad incumbents

• Société Générale: One of France's largest universal banks with significant retail, SME, and corporate banking presence in PACA and Corsica. Competes with CEPAC across virtually all segments but does not have a cooperative structure or territorial focus.
• BNP Paribas: France's largest universal bank with full retail, SME, corporate, and social-housing financing capabilities across the country, including PACA and overseas territories. Provides a benchmark for what a large diversified incumbent offers versus CEPAC's regional cooperative model.
• La Banque Postale: France's state-owned postal bank, a major retail banking incumbent with strong public-sector and social-housing lending franchise. Wider geographic reach and broader public policy mandate, but overlapping customer segments and lending categories with CEPAC.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/caisse-epargne-cepac
• Instagraminstagram.com/caissedepargnecepac

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments3 records

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

Frequently asked questions about Caisse d'Epargne CEPAC