Banque des Territoires is a business line of the French public financial group Caisse des Dépôts, created in 2018 to serve territorial projects of general interest.23 Its mission is to support local public and semi-public actors with advice, long-term loans, equity and quasi-equity investments, consignations, and banking services, with a stated focus on the durable transformation of territories, climate adaptation, and social and territorial cohesion.12
The organisation works with a broad client base: local authorities, social housing providers, local public companies, and legal professions.2 Its website highlights dedicated areas for local governments, social housing, local public enterprises, and legal professions, showing that it acts as a one-stop entry point for territorial financing and engineering.12 Its activities include financing infrastructure, supporting public-interest projects, and helping with the construction and renovation of housing, including social housing and student housing through initiatives such as the AGiLE programme.1
Geographically, Banque des Territoires operates across all French territories, from rural areas to metropolitan regions, and is deployed through the regional and local network of Caisse des Dépôts.2 In practice, its scope is national, with a strong territorial presence rather than an international mandate.2 This makes it relevant to affordable housing and sustainable housing because it finances construction, rehabilitation, and long-term investment in housing stock and related public-interest infrastructure.124
The organisation’s public presentation emphasizes its role in mobilising financial tools for projects that help territories adapt to climate change and maintain essential services, including housing and healthcare infrastructure.1