Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative — Cyborg Score 6/10

Solid
Regional Cooperative Banking

Strategic Profile

The bank maintains a strong regional presence with €20.2 billion in deposits and €16.2 billion in loan portfolios as of end-2023. As one of 13 cooperative regional banks issuing Cooperative Investment Certificates (CCI) on Euronext Paris, it benefits from the Crédit Agricole group's scale while maintaining localized customer relationships and governance through its cooperative structure.

Cyborg Score Rationale

The bank demonstrates solid fundamentals as a well-capitalized regional cooperative with substantial assets under management and broad service offerings. However, limited recent earnings data and regional concentration limit its profile, and it operates within the highly competitive French banking sector dominated by larger national players.

Top Insights

  • One of 13 regional Crédit Agricole cooperative banks with publicly traded investment certificates on Euronext Paris
  • Manages €20.2 billion in customer deposits and €16.2 billion in loans across Brittany region
  • Operates 115 agencies through 46 local cooperative caisses, emphasizing local governance and member relationships
  • Part of Crédit Agricole S.A. group, providing access to group-wide resources while maintaining regional autonomy

Named Competitors

  • Retail Banking — Large-cap French national bank
  • Retail Banking — Major French universal bank
  • Digital Banking — FinTech banking challengers

Recent Developments

  • (Mar 2026) Active shareholder engagement with General Assembly votes held February-March 2026 for local caisse governance
  • (2023) Managing substantial regional deposit base of €20.2 billion with €16.2 billion in outstanding credit

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