Crédit Agricole d'Ille-et-Vilaine

What Crédit Agricole d'Ille-et-Vilaine does

Crédit Agricole d'Ille-et-Vilaine is a regional cooperative bank (Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine) operating within the Crédit Agricole Group, France's largest retail banking cooperative. Headquartered in the Ille-et-Vilaine department in Brittany, the entity serves retail individuals, professionals, farmers, associations, enterprises, public entities, and private banking clients through a proximity-banking model combining physical branches and digital channels. Ownership is held by member-shareholders (sociétaires), with the Crédit Agricole Group reporting 12 million+ sociétaires nationally and approximately 90% of regional Caisse results reinvested locally in territorial development.

The bank's product portfolio spans the full universal banking stack: tiered current accounts (Prestige, Premium, Essentiel, Eko), regulated savings (Livret A, LDDS, LEP, Livret Jeune Mozaic), life insurance (Oriance), retirement plans (PER), investment vehicles (PEA, PEA-PME, ETF, Amundi ESG funds), consumer credit (Prêt Personnel, Prêt Étudiant, Prêt Permis à 1€ par jour), mortgages (Facilimmo, PTZ, Eco PTZ), and insurance distribution (home, auto, health, creditor) underwritten by PREDICA, a Crédit Agricole Assurances subsidiary. Vehicle leasing is offered through Agilauto, energy renovation financing through the J'écoRénove platform, and security services via Nexecur and Téléassistance.

Revenue mechanics derive from net interest margins on the lending book (mortgages, consumer credit, zero-rate state-subsidized loans), banking fees (account maintenance, payment cards, early repayment penalties), recurring insurance commissions distributed via PREDICA, and management fees on savings/investment products. The Ma Banque mobile application and web-based subscription workflows (online personal loans up to €75,000, digital insurance, Oriance life insurance) form the digital backbone, with mobile payments integrated via Apple Pay and Samsung Pay. Customer acquisition flows through branches, advisor referrals, content marketing (Tout un Mag), J'écoRénove platform, and active social media presence across YouTube, Instagram, Facebook, TikTok, and X. The cooperative model itself functions as a differentiator, with sociétaire recruitment, member governance rights, and local reinvestment of approximately 90% of results positioning the entity against commercial bank competitors.

Name

Crédit Agricole d'Ille-et-Vilaine

Legal name

Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine

Website

https://credit-agricole.fr

Company type

Private

Operating status

Operating

Short description

Crédit Agricole d'Ille-et-Vilaine is a regional cooperative bank within France's Crédit Agricole Group, serving retail, professional, agricultural, enterprise, and public-sector clients in Ille-et-Vilaine, Brittany through branches and digital channels offering banking, credit, savings, insurance, and investment products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Credit Intermediation and Related Activities (522)

SIC

National Commercial Banks (6021), Personal Credit Institutions (6141), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industry

Lending & Credit Disbursements (FSAMAKAH)

Keywords

• Retail banking services
• Cooperative banking
• Consumer lending
• Life insurance products
• Savings accounts

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Core banking revenue from interest margins on mortgage loans, consumer credit, and business lending. Fixed-rate personal loans and adjustable-rate mortgages generate recurring interest income. Student loans, permit loans at zero rates (state-subsidized), and standard consumer credit products contribute to the lending book.
2. Banking Fees and Commissions: Account maintenance fees, payment card fees, overdraft charges, early repayment penalties, and brokerage commissions on financial transactions. Insurance distribution commissions from bundled creditor insurance (assurance emprunteur) and property & casualty insurance products.
3. Savings and Investment Products: Revenue from life insurance (Oriance unit-linked and euro funds), wealth management mandates, brokerage fees on equities and ETF trading (CTO, PEA, PEA-PME accounts), and management fees on investment portfolios.
4. Insurance Premium Revenue (Distribution): Commission income from distributing insurance products including home (assurance habitation), auto, health/complementary insurance, and death/disability creditor insurance, underwritten by Predica (Credit Agricole Assurances subsidiary).
5. Leasing and Vehicle Financing: Revenue from LOA/LLD (Agilauto) vehicle leasing contracts and associated financing, as well as consumer loans for vehicle purchases.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

Crédit Agricole d'Ille-et-Vilaine is a regional cooperative bank (Caisse régionale) within the Crédit Agricole Group, providing retail banking services including current accounts, payment cards, savings products, consumer and mortgage credit, life and non-life insurance, and investment vehicles (PEA, ETFs, unit-linked funds). It distributes these products through a regional branch network across Ille-et-Vilaine, the Ma Banque mobile application, and online subscription workflows, serving individuals, professionals, farmers, enterprises, associations, and public-sector entities.

Product overview

Crédit Agricole offers a comprehensive banking and insurance platform organized around four core pillars: banking accounts and payment services, savings and investment products, credit facilities, and insurance coverage. The product portfolio includes multiple account tiers (Prestige, Premium, Essentiel, Eko), life insurance through Oriance, regulated savings accounts (Livret A, LDDS, LEP), retirement planning (PER), investment vehicles (PEA, PEA-PME, ETF), consumer and mortgage lending, and property/auto/health insurance. The Ma Banque mobile application serves as the primary digital channel for customer interactions. The bank operates as a cooperative institution with regional autonomy, meaning product availability may vary by regional branch.

Differentiator

Problem solved

Functional benefit

Brands

• Oriance: Insurance life savings contract offering flexible and customizable coverage with multiple management modes.
• Prêt Étudiants et Apprentis
• Ma Banque

Products and services

• Application Ma Banque Mobile banking application providing daily banking operations, account access, contract management, and 24/7 access to banking services on smartphones.
• Oriance (Assurance Vie) Life insurance contract offering flexible savings and investment options with unit-linked and euro funds, available in two formulas with management modes including autonomous, delegated, and advised.
• Offre Prestige Premium banking account package with enhanced services and exclusive benefits for high-net-worth individual clients.
• Offre Premium Premium-tier banking account offering comprehensive banking services with enhanced payment card benefits.
• Offre Essentiel Essential banking account package providing core banking services at competitive pricing for individual customers.
• Offre Eko Budget-focused banking account designed for cost-conscious customers with low-cost core services.
• Prêt Personnel Unsecured personal loan at fixed rate with no expenditure justification required, online subscription available up to €75,000 with immediate principle decision and modular repayment options.
• Prêt Étudiants et Apprentis Personal loan designed for students and apprentices aged 15 and older to finance tuition, accommodation, and living costs at fixed rates with optional deferred payment.
• Prêt Permis à un euro par jour Zero-interest state-subsidized loan for young people aged 15–25 to finance driving licence training, with monthly repayments of €30 and no file fees.
• Crédit Immobilier Facilimmo Mortgage loan product for property acquisition with competitive rates and flexible terms.
• Prêt à Taux Zéro (PTZ) Government-subsidized zero-interest mortgage loan for first-time homebuyers meeting income and property eligibility criteria.
• Eco PTZ Zero-interest eco loan for energy renovation work on residential properties.
• Prêt Auto Vehicle financing loan for purchasing new or used cars at fixed rates.
• LOA/LLD Agilauto Vehicle leasing with option to purchase (LOA) or long-term rental (LLD), distributed via the Agilauto platform.
• Prêt Regroupement de Crédits Credit consolidation service combining multiple existing loans into a single simplified repayment.
• PER Assurance Retirement savings insurance plan (Plan d'Épargne Retraite) providing tax advantages and flexible contribution options for retirement income.
• PEA / PEA-PME Stock savings plans (Plan d'Épargne en Actions) offering tax exemptions on dividends and capital gains for investments in European equities (PEA) or SME equities (PEA-PME).
• Compte Titres Ordinaire & ETF Ordinary brokerage account (Compte Titres Ordinaire) and exchange-traded fund (ETF) investments replicating stock market index performance.
• Assurance Habitation Home insurance coverage protecting against property damage and liability, with optional enhanced protection and a young policyholder formula starting at €6/month.
• Assurance Auto Vehicle insurance covering damage, liability, and offering coverage options for drivers of all ages including young drivers, plus motorcycle, scooter, and electric scooter variants.
• Assurance Complémentaire Santé Supplementary health insurance covering medical expenses not reimbursed by French social security, including a student variant.
• Livret A Regulated French savings account with tax-free interest earnings and government-backed guarantees.
• LDDS Sustainable development savings account (Livret de Développement Durable et Solidaire) supporting environmentally and socially responsible projects.
• LEP Popular savings account (Livret d'Épargne Populaire) with tax-free interest available to eligible low-to-moderate income savers.
• Livret Jeune Mozaic Youth savings account for individuals aged 12-25 with competitive rates and educational features.
• Crédit Renouvelable Revolving credit line providing flexible access to funds as needed up to a set limit.
• Prêt Travaux / Prêt Transition Logement Personal loans for financing home renovation, improvement, and energy-efficient housing upgrade projects.

Quantifiable outcome

• 12 million+ sociétaires in the Crédit Agricole network across France
• +1 more outcomes

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

Feature5 records

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• LCL (Le Crédit Lyonnais): National French retail and commercial bank (subsidiary of Crédit Agricole S.A.); competes across the same product set (accounts, mortgages, consumer credit, insurance) but operates as a national listed-style incumbent rather than a regional mutual.
• BNP Paribas: France's largest listed universal bank; overlaps the same retail, savings, insurance, and wealth-management categories and competes for the same upper-tier clients via its French retail banking division.
• Société Générale: Major French universal bank with a national retail network and full insurance, savings, and investment offering; directly comparable product set but operates as a listed, non-mutual incumbent.

Emerging players

• Rabobank: Large Dutch cooperative bank historically rooted in agricultural lending; useful international benchmark for mutualist governance, agricultural-banking DNA, and integrated insurance and wealth distribution.

Direct peers

• Crédit Agricole Provence Côte d'Azur: Another regional Caisse in the Crédit Agricole cooperative network; comparable in product breadth, member-owned governance, and reliance on Crédit Agricole Assurances for insurance distribution.
• Banque Populaire Grand Ouest: Cooperatif commercial bank within Groupe BPCE serving individuals, professionals, and SMEs in western France; direct peer for retail-banking products, professional credit, and cooperative governance benchmarking.
• Crédit Mutuel Arkéa: Breton-headquartered cooperative banking group (parent of Crédit Mutuel de Bretagne, Fortuneo, etc.); a structurally analogous mutualist competitor in the same regional market with a stronger digital footprint (Fortuneo).
• Crédit Mutuel de Bretagne: French cooperative bank serving overlapping Brittany retail and professional customers; directly competes with Crédit Agricole d'Ille-et-Vilaine on deposits, mortgages, and insurance using a similar mutualist model.
• Crédit Agricole Normandie: Sister regional Caisse within the Crédit Agricole Group operating the same cooperative retail-banking and insurance model in Normandy; the closest direct structural and operational peer for benchmarking product mix, GTM, and economics.
• Caisse d'Épargne Bretagne Pays de Loire: Regional cooperative bank within Groupe BPCE serving overlapping retail, professional, and public-sector customers in western France; competes head-to-head on regulated savings, mortgages, and local public-finance mandates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xtwitter.com/CreditAgricole
• YouTubeyoutube.com/@CreditAgricoleOfficiel
• Facebookfacebook.com/CreditAgricole
• Instagraminstagram.com/creditagricole
• TikToktiktok.com/@creditagricole
• LinkedInlinkedin.com/company/cr-dit-agricole-d-ille-et-vilaine

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

Investments1 record

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

Frequently asked questions about Crédit Agricole d'Ille-et-Vilaine