Corporate and investment banking (CIB)

As the leading financing bank for local authorities and public hospitals since 2015, CLDB partners half of the large companies in the CAC 40 and SBF 120 indices, as well as 11,000 SMEs and mid-caps across the country. As a fully-fledged business line of La Banque Postale, a subsidiary of La Poste Groupe and Caisse des Dépôts, and a member of the major state-owned financial group, it is also operating in an ecosystem that will multiply its impact.

CLDB has developed a range of expertise to support its customers’ projects: structured and specialised financing, asset and project finance, real estate finance, factoring and equipment leasing (financial leasing, green equipment leasing, assignment of lease agreements). It is working towards becoming, by 2030, the leading community financing bank in structured finance and cash flows.

In La Banque Postale's historical cash management business, the Transaction Banking Department brings together “field” experts and product designers to help economic actors digitalise and secure their transactions. The trading desks also offer its customers investment opportunities and risk-hedging solutions.

Beyond operational excellence, customers need local solutions. Local communities are therefore at the heart of the division’s focus. With 1,300 employees in 47 regional business centres, including in French overseas departments and territories, CLDB is strengthening its regional impact by delegating more responsibility to regional managers, while also deploying local experts in structured finance and real estate.

With its strong local roots, it is also a leading provider of banking services to public-private partnerships and the social economy, serving around 3,500 management organisations and the general interest.

By funding essential services for the public and supporting regional transition, CLDB is, by its very nature, community-oriented. It contributes to the mobilisation of fellow citizens’ savings and finances the French economy, acts sustainably to reduce regional divides, supports the energy transition, biodiversity and green mobility, and is the partner of choice for players in the healthcare, social protection and social housing sectors.

These commitments are reflected in a range of distinctive products: green loans and social loans, loans indexed to the Livret A savings account for social housing providers, local authorities and companies, and decarbonisation loans and factoring. The division also systematically takes non-financial impact into account in its financing decisions, using the Global Impact Index, which now covers 79% of the Group’s activities and includes large companies and project financing. The Sustainable Banking Hub also offers bespoke support for the issuance of ESG bonds and advice on sustainable finance.