Banque des Territoires

Banque des Territoires is a public financial institution in France, established in 2018 as one of the five business lines of the Caisse des Dépôts group. The firm acts as a single point of contact, offering tailored advice, loans, and investment solutions to support public interest projects across all French territories. Its overarching mission is to sustainably transform these territories, addressing challenges from rural areas to metropolitan centers with a focus on reducing social inequalities and territorial disparities.

The firm's investment focus spans a wide array of sectors critical to regional development and ecological transition. These include urban planning and economic development, education and training, energy, environment and biodiversity, housing, digital infrastructure, mobility, health, digital services, and tourism, leisure, and culture. Banque des Territoires provides long-term financing, often through loans and equity investments, to local authorities, social housing organizations, local public enterprises, and legal professionals.

As an investor, Banque des Territoires engages in both private debt and private equity, co-investing in projects deemed to be of general interest. They support initiatives such as the construction and rehabilitation of social housing, the renovation of public buildings, and the development of sustainable mobility solutions. The firm also plays a key role in national programs like Action Coeur de Ville and Petites Villes de Demain, aiming to revitalize town centers and support smaller communities. In 2024, Banque des Territoires reported €28.5 billion in loans and €1.3 billion invested across 263 projects, with a total portfolio of €8.5 billion invested across 1,714 lines.