Crédit Agricole Alpes Provence

What Crédit Agricole Alpes Provence does

Crédit Agricole Alpes Provence (legal name: Caisse Régionale de Crédit Agricole Mutuel Alpes Provence) is a regional cooperative bank headquartered in Aix-en-Provence, France, operating as a Caisse Régionale within the broader Crédit Agricole Group mutual banking network. Founded in 1897, the bank serves the Provence-Alpes-Côte d'Azur region through a multi-channel distribution model combining a physical branch network, a website, the Ma Banque mobile application (iOS and Android), and 24/7 phone banking. It is publicly listed on NYSE Euronext Paris under ISIN FR0000044323 and operates under a cooperative sociétaire ownership structure in which members hold social shares with governance rights.

The bank offers a comprehensive retail and commercial banking platform spanning tiered current accounts (Eko at €0/month, Essentiel, Premium, Prestige), regulated and open-market savings (Livret A, LDDS, LEP, Livret Jeune Mozaic, Livret Engagé Sociétaire), investment vehicles (PEA, PEA-PME, Compte Titres, Amundi ETF range, responsible investment funds), life insurance and retirement products (Oriance, Gestion Sous Mandat, PER Assurance, PER Compte Titres), a full insurance suite (home, auto, two-wheelers, health, décès, obsèques, legal protection, mobile devices, prévoyance, téléassistance, télésurveillance via Nexecur), and a credit range covering mortgages (Facilimmo, PTZ, Éco PTZ), consumer credit (Prêt Personnel, Crédit Renouvelable, Regroupement de Crédits, Prêt Étudiant), and automotive financing (Agilauto LOA/LLD). Mobile payment is supported through Apple Pay, Samsung Pay, and a proprietary Crédit Agricole solution.

The business model rests on net interest income from lending, fee and commission income from insurance and asset management distribution, deposit gathering, and cooperative member capital. The customer base is segmented across Individuals, Professionals, Farmers, Associations, SMEs/Enterprises, Public Entities, and Private Banking clients, with cooperative members receiving local governance participation, cultural and sporting discounts, and exclusive events. Approximately 90% of regional results are retained and reinvested in local territorial development projects. Recent capital activity includes a €150 million social shares offering approved by the AMF in 2026 and an ongoing share buyback program executed via Kepler Cheuvreux on Euronext Paris.

Name

Crédit Agricole Alpes Provence

Legal name

CRCAM Alpes Provence (Caisse Régionale de Crédit Agricole Mutuel Alpes Provence)

Website

https://ca-alpesprovence.fr

Company type

Public

Founded year

1897

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Crédit Agricole Alpes Provence is a regional cooperative bank (Caisse Régionale) within the Crédit Agricole Group, serving individuals, professionals, farmers, businesses, associations, and public entities in the Provence-Alpes-Côte d'Azur region with retail banking, savings, credit, insurance, and wealth management products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Finance and Insurance (52), Consumer Lending (522291), Portfolio Management and Investment Advice (523940)

SIC

National Commercial Banks (6021), Personal Credit Institutions (6141), Investment Advice (6282)

akta.pro primary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

akta.pro secondary industries

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF), Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE)

Keywords

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

Headquarters

HQ city

Aix-en-provence

HQ country

France

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Pricing tiers

Distribution channels4 records

Marketing channels6 records

Core offering

Crédit Agricole Alpes Provence is a regional cooperative bank that provides retail and commercial banking, savings, credit, insurance, and wealth management services to individuals, professionals, farmers, associations, businesses, public entities, and private banking clients in the Provence-Alpes-Côte d'Azur region. Its core offering is organized around tiered current account packages (Eko at €0, Essentiel, Premium, Prestige), regulated and open-market savings, mortgage and consumer credit, life insurance (Oriance), retirement plans (PER), investment vehicles (PEA, Compte Titres, Amundi ETFs), and a broad insurance catalog (home, auto, health, prévoyance, mobile), supported by the Ma Banque mobile app and a regional branch network.

Product overview

Crédit Agricole Alpes Provence is a regional cooperative bank (Caisse Régionale) within the broader Crédit Agricole group, offering a comprehensive suite of retail banking and insurance products and services. The offering is structured as a multi-segment, multi-product platform serving individuals, professionals, farmers, associations, enterprises, and public entities. The core retail banking offering is organized around tiered current account packages (Eko at €0, Essentiel, Premium, and Prestige) serving different customer segments. Savings products span regulated accounts (Livret A, LDDS, LEP, Livret Jeune Mozaic) alongside open-market products including PEA, PEA-PME, Compte Titres, and a full Amundi ETF and responsible investment fund range (Amundi Valeurs Durables, Amundi France Engagement). Life insurance is centered on the Oriance product with a discretionary management (Gestion Sous Mandat) overlay. Retirement planning is served through PER Assurance and PER Compte Titils. Credit offerings cover the full spectrum from mortgage (Prêt Immobilier Facilimmo, PTZ, Éco PTZ) through consumer (Prêt Personnel, Crédit Renouvelable, Prêt Étudiant) to automotive (Prêt Auto, LOA/LLD Agilauto, Prêt 2 Roues). Insurance encompasses home (Assurance Habitation), auto (Assurance Auto, two-wheelers), health (Complémentaire Santé), prévoyance (Assurance Décès, Obsèques, Téléassistance), legal protection, and mobile device coverage. A mobile banking channel (Ma Banque app on iOS/Android) powers digital banking, with proprietary and third-party mobile payment integrations (Apple Pay, Samsung Pay, Paiement Mobile Crédit Agricole) rounding out the digital experience. The cooperative societariat structure (Espace Sociétaire) links customers to local governance and community investment.

Differentiator

Problem solved

Functional benefit

Brands

• Ma Banque: Mobile banking application for customers to manage their daily banking activities
• Eko
• Oriance
• Facilimmo
• Agilauto

Products and services

• Offre Eko
• Offre Essentiel
• Offre Premium
• Offre Prestige
• Regulated Savings Accounts (Livret A, LDDS, LEP, Livret Jeune Mozaic)
• Investment and Securities Accounts (PEA, PEA-PME, Compte Titres Ordinaire)
• Oriance Life Insurance
• PER (Plan d'Épargne Retraite) - Assurance and Compte Titres
• Mortgage Loans (Prêt Immobilier Facilimmo, PTZ, Éco PTZ)
• Consumer Credit (Prêt Personnel, Crédit Renouvelable, Prêt Étudiant, Regroupement de Crédits)
• Automotive Financing (Prêt Auto, Prêt 2 Roues, Prêt Véhicules de Loisirs, LOA/LLD Agilauto)
• Home and Property Insurance (Assurance Habitation, Télésurveillance)
• Vehicle Insurance (Assurance Auto, Moto/Scooter/Trottinette Électrique)
• Health and Prévoyance Insurance (Complémentaire Santé, Décès, Obsèques, Accidents de la Vie, Téléassistance)
• Specialty Insurance (Protection Juridique, Tous Mobiles, Responsabilité Civile Vie Privée, Emprunteur Crédit Immobilier/Conso)
• Payment Cards (Visa Classic, Visa Premier, Mastercard Standard, Gold Mastercard, Mozaic Black)
• Ma Banque Mobile Application
• Mobile Payment Solutions (Apple Pay, Samsung Pay, Paiement Mobile du Crédit Agricole)
• Banque Privée (Private Banking)
• Agricultural Financing and Farm Insurance
• Professional and Enterprise Banking
• Espace Sociétaire (Cooperative Membership)

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• BNP Paribas: Largest French universal bank with extensive retail banking presence across France including PACA, offering deposit, lending, insurance, and investment products that overlap with Crédit Agricole Alpes Provence.
• LCL (Le Crédit Lyonnais): National commercial bank with a strong retail branch network in France offering full-service retail banking, savings, credit, and wealth management — directly overlapping with Crédit Agricole Alpes Provence's offering.
• La Banque Postale: Public-sector retail bank with national branch and digital reach offering deposit, lending, and insurance products widely used by French individuals and small businesses, including in the PACA region.
• Société Générale: Major French universal bank with a substantial retail banking footprint in the PACA region, offering comparable retail banking, savings, insurance, and wealth management services.

Direct peers

• Caisse d'Épargne CEPAC: Regional savings bank of the Caisse d'Épargne network operating in Provence-Alpes-Corse with a comparable cooperative-style mutual structure and full retail banking/insurance offering.
• Crédit Agricole Provence Côte d'Azur: Neighboring Crédit Agricole regional cooperative bank serving adjacent areas of the Provence-Alpes-Côte d'Azur region with the same cooperative, multi-product retail banking model.
• Banque Populaire Méditerranée: Regional mutual bank of the Banque Populaire network serving the Mediterranean region of France with similar cooperative ownership and retail/professional banking services.
• Crédit Mutuel Méditerranée: Regional branch of the Crédit Mutuel cooperative bank serving southern France, offering the same mutual retail banking, credit, and insurance model.
• Crédit Agricole Languedoc: Sibling Crédit Agricole regional cooperative bank serving the Languedoc region with identical product suite (accounts, savings, credit, insurance) and cooperative governance.

Emerging players

• Boursorama Banque: Leading French online bank and Société Générale subsidiary with aggressive pricing on retail accounts and deposits, directly competing for the same price-sensitive customer segments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@CAAlpesProvence
• Facebookfacebook.com/CreditAgricoleAlpesProvence
• LinkedInlinkedin.com/company/credit-agricole-alpes-provence
• Instagraminstagram.com/creditagricole_alpesprovence
• TikToktiktok.com/@creditagricolealpprov

Compliance1 record

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 Alpes Provence