Territorial Bank’s Strong Livret A Growth in Auvergne-Rhône-Alpes for Eco & Social Initiatives
- Published: April 15, 2025 Auvergne-Rhône-Alpes, France – The Auvergne-Rhône-Alpes region experienced significant financial activity in 2024, with over €3 billion invested in various sectors, according to regional...
- Philippe Jusserand, regional director, stated that the investment reflects a commitment to ecological and energy transformation, social cohesion, and economic development within the region."In 2024,...
- A significant portion of the funding was directed towards social housing,primarily utilizing resources from the Livret A savings accounts.
auvergne-Rhône-Alpes Sees €3 Billion Investment in Regional Growth
Table of Contents
- auvergne-Rhône-Alpes Sees €3 Billion Investment in Regional Growth
- Key financial Figures for 2024
- Commitment to Regional Priorities
- Social Housing Support Increased
- Strengthening social and Territorial Cohesion
- Ecological Transformation Projects
- Support for Legal Professions
- Edurenov Program Focus
- National Impact
- Auvergne-Rhône-Alpes Regional Investment Report: 2024
Published: April 15, 2025
Auvergne-Rhône-Alpes, France – The Auvergne-Rhône-Alpes region experienced significant financial activity in 2024, with over €3 billion invested in various sectors, according to regional figures.
Key financial Figures for 2024
- Signed Loans: €2.8 billion
- equity Investments: €56.2 million
- Consignments: €116.60 million
- France 2030 Funding: €42.9 million
Commitment to Regional Priorities
Philippe Jusserand, regional director, stated that the investment reflects a commitment to ecological and energy transformation, social cohesion, and economic development within the region.”In 2024, the Territorial Bank continued its mobilization in favor of all the regional territories with more than 3 billion funding,” Jusserand saeid. “We are fully committed to meeting the needs of territories and supporting the priorities that are ecological and energy transformation, social cohesion and economic development.”
A significant portion of the funding was directed towards social housing,primarily utilizing resources from the Livret A savings accounts. Efforts are underway to address the housing crisis and promote ecological transformation within the housing sector. In 2024, support for the construction sector was bolstered thru innovative financial offerings.
The investments facilitated the acquisition or construction of 13,755 homes and the renovation of 15,142 social housing units in the Auvergne-Rhône-Alpes region. This was made possible through €2.3 billion in new loans, a 66% increase compared to 2023.
A partnership was formed with the Public Land Establishment of West Rhône-Alpes (Epora) to establish an economic property initiative focused on long-term land management.
The initiative seeks to balance economic development with responsible land use, addressing the challenges of reindustrialization while minimizing environmental impact.The eco d’Epora property aims to support urban recycling, protect industrial zones, and expedite the cleanup of brownfield sites.
An initial investment of €35 million, including €14 million in equity, is earmarked for acquiring strategic land parcels. By separating land and building ownership, the initiative aims to promote lasting development and meet community expectations.
Ecological Transformation Projects
Aligned with national decarbonization goals, supporting ecological transformation is a key focus. The aim is to assist regions in adapting to climate change.
Several projects received funding in 2024, including thermal renovation of public buildings and water resource preservation. examples include a €2.4 million upgrade to the Puy-en-Velay treatment plant,€6 million in financing for the Bourg-en-Bresse hospital center,and renovation work in Annecy.
Support for Legal Professions
As a partner to the Public Service of Justice, the Territorial Bank continued its support for legal professionals, including notaries, courts, administrators, and commercial courts.
Amidst a challenging economic and real estate climate, the bank provided tailored funding and support to notaries and clerks in commercial courts.
Leveraging its understanding of the specific needs of these clients,the Territorial Bank allocated €20 million in funding for projects such as establishing new practices,acquiring existing offices,forming professional associations,and developing professional real estate.
The bank also expanded its consignment services, recording €116.60 million in 2024, bringing the total outstanding to €566 million. This free service provides secure protection for disputed funds and supports legal professionals in managing files. Local authorities can also utilize consignment services for regional planning, economic development, and environmental protection initiatives.
Edurenov Program Focus
the Edurenov program, launched in 2023, aims to renovate 10,000 school buildings across France. The goal is to improve the comfort and quality of life for students and staff while reducing energy consumption and environmental impact.
In 2024, the program supported 215 cities in the region, including projects such as the construction of a sports hall in Panissières, energy renovations and expansions at the Barberaz school group, and renovations at the Villieu-oyes-Mollon school.
National Impact
Nationally, the Territorial Bank signed a record €28.5 billion in new loans in 2024, a 74% increase, primarily for social and intermediate housing construction and renovation. Approximately 112,000 social housing units were built or renovated with support from the bank.Support for the local public sector also increased, with significant growth in water infrastructure, decarbonized mobility, and school building renovation projects. Loans to the local public sector rose by 45% to €7.6 billion nationwide.
These investments supported 263 projects promoting regional development and addressing the needs of residents, totaling €1.3 billion.
However, notary deposits decreased by nearly €1 billion, impacted by the real estate market conditions.
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Auvergne-Rhône-Alpes Regional Investment Report: 2024
Here’s a breakdown of the financial activities in the Auvergne-Rhône-Alpes region in 2024.
Key Financial Figures
Signed Loans: €2.8 billion
Equity Investments: €56.2 million
Consignments: €116.60 million
France 2030 Funding: €42.9 million
Q: What were the main investment priorities in the Auvergne-rhône-Alpes region in 2024?
A: In 2024, the Territorial Bank focused its investments on:
Ecological and energy transformation
Social cohesion
Economic development
These priorities were underscored by regional director Philippe Jusserand.
Q: How much funding was allocated to social housing in the Auvergne-Rhône-Alpes region, and what were the results?
A: A meaningful portion of the €3 billion investment went to social housing. The investments led to:
Acquisition or construction of 13,755 homes
Renovation of 15,142 social housing units
This was facilitated by €2.3 billion in new loans, a 66% increase compared to 2023.
Q: What is the “eco d’Epora” property initiative, and what is its goal?
A: The “eco d’Epora” initiative is a partnership with the Public Land Establishment of West Rhône-Alpes (Epora). This initiative aims to balance economic development with responsible land use. Specific goals include:
Supporting urban recycling
Protecting industrial zones
Expediting the cleanup of brownfield sites
Q: What are some examples of ecological transformation projects supported in 2024?
A: Ecological transformation projects included:
Thermal renovation of public buildings
Water resource preservation
Specific examples include:
€2.4 million for upgrading the Puy-en-Velay treatment plant
€6 million was financed for the Bourg-en-Bresse hospital center
Renovation work in Annecy
Q: What support was provided to legal professions in 2024?
A: The Territorial Bank continued its support for legal professionals, including:
Notaries
Courts
Administrators
Commercial Courts
They offered tailored funding and support, allocating €20 million for projects like establishing new practices, acquiring offices, and developing professional real estate. The bank, also expanded consignment services, reaching €116.60 million in 2024.
Q: What is the Edurenov program, and what was its focus in 2024?
A: The Edurenov program launched in 2023, focuses on renovating 10,000 school buildings across France to improve comfort and reduce energy consumption and environmental impact.
In 2024, the program supported 215 cities in the region, including projects such as:
construction of a sports hall in Panissières
Energy renovations and expansions at the Barberaz school group
Renovations at the Villieu-oyes-Mollon school
Q: How did the Territorial Bank’s national performance compare to regional performance?
A: The Territorial Bank signed a record €28.5 billion in new loans nationally, a 74% increase, considerably more than the mentioned €3 billion in Auvergne-Rhône-Alpes. The national focus was mainly on social and intermediate housing construction and renovation.
To make the data more easily accessible, here’s a concise summary in a table:
| investment Area | Auvergne-rhône-Alpes (2024) | National (2024) |
|---|---|---|
| Signed Loans | €2.8 billion | €28.5 billion (74% increase) |
| Social Housing Support | €2.3 billion (loans), 13,755 homes acquired/built, 15,142 units renovated | ~112,000 units built or renovated. |
| Economic Development | €35 million for regional development projects | €1.3 billion total in 263 projects. |