France · Credit institution
Banque Federative du Credit Mutuel
Banque Fédérative du Crédit Mutuel (BFCM) is a French société anonyme with a board of directors. It is registered in Strasbourg under RCS 355 801 929. Regional entities of the Crédit Mutuel Alliance Fédérale mutual division own 98.1% of BFCM, mainly through Caisse Fédérale de Crédit Mutuel. BFCM holds the group's subsidiaries outside the mutual network, including CIC, Assurances du Crédit Mutuel, BECM, Cofidis, TARGOBANK and OLB. It also acts as the group's refinancing unit and as custodian for the group's collective investment funds. OLB (Oldenburgische Landesbank AG) has been consolidated since the acquisition closed on 2 January 2026.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see Regulatory status): that is banking supervision, not a licence on a tracked register.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Regulatory status
ECB banking supervision
List of supervised entities as of 2026-07-01
- Classification
- Significant institution
- Supervisor
- European Central Bank (direct supervision)
- Listed as
- Banque Fédérative du Crédit Mutuel
- Entity type
- Credit institution
- Supervised group (ECB)
- Confédération Nationale du Crédit Mutuel
- Why significant
- Size (Total assets EUR 500-1,000 bn)
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- Banque fédérative du crédit mutuel
- RIAD code
- FR11808
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Investment services (MiFID II) | Autorité de Contrôle Prudentiel et de Résolution (ACPR) | 1996-10-11 | A1 A2 A3 A4 A5 A6 A7 B1 |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- CMCIFRPAXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under CMCIFRPA directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · SDD B2B · VOP · T2 · TIPS
- Branch codes
- 10 branch codes
- BIC first registered
- 2001-06-02
- Last updated
- 2024-04-10
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
91.7% Caisse Fédérale de Crédit Mutuel
Institution type
Universal bank
Trades as BFCM
- Ownership
- Caisse Fédérale de Crédit Mutuel holds 91.7% of BFCM, and regional entities of the mutual division hold 98.1% in total, according to the bank's website.
- Direct parent
- Caisse Fédérale de Crédit Mutuel ↗, France 91.7%
- Head office
- 4 rue Frédéric-Guillaume Raiffeisen, 67000 Strasbourg, France
- Company register
- RCS Strasbourg B 355 801 929
- Name in the local language
- Banque Fédérative du Crédit Mutuel
Business lines
BFCM refinances Crédit Mutuel Alliance Fédérale, acts as custodian for its funds and holds its subsidiaries, which carry out retail banking, insurance, consumer finance, corporate and investment banking, and asset management.
Online
- Websites & references
- bfcm.creditmutuel.fr ↗
investors.bfcm.creditmutuel.fr ↗ investor relations
creditmutuel.fr ↗ group institutional site (Crédit Mutuel Alliance Fédérale)
Wikipedia ↗ group article
Wikidata Q131548760 ↗ - Official social accounts
- None found
Sources · 10 pages consulted
- bfcm.creditmutuel.fr/fr/index.html
- bfcm.creditmutuel.fr/fr/bfcm/presentation-bfcm.html
- investors.bfcm.creditmutuel.fr/
- investors.bfcm.creditmutuel.fr/static-files/f077bc16-3789-452d-a4fc-12258fe32675
- bfcm.creditmutuel.fr/en/contact.html
- cdnwmsi.e-i.com/SITW/wm/global/1.0.0/WEBA/BFCM/assets/articles/telechargements/contact/1.0/2026-01-01-Ter
- creditmutuel.fr/fr/alliancefederale/presse/communiques-de-presse/claude-koestner-nouveau-directeur-genera
- creditmutuel.fr/fr/alliancefederale/presse/communiques-de-presse/election-cmaf-daniel-baal.html
- presse.creditmutuelalliancefederale.fr/evolution-de-la-gouvernance-de-credit-mutuel-alliance-federale/
- en.wikipedia.org/wiki/Cr%C3%A9dit_Mutuel
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Eric Charpentier Directeur général et dirigeant effectif (Chief Executive Officer)
- Chair
- Daniel Baal Président du conseil d'administration (Chairman of the Board)
- Executive
- Alexandre Saada Directeur général adjoint et dirigeant effectif (Deputy Chief Executive Officer)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank Prudential supervisor
- France
- Autorité de contrôle prudentiel et de résolution (ACPR) Prudential supervisorAML supervisorResolutionConduct
- France
- Autorité des marchés financiers (AMF) Securities
Recent events
Researched 29 Sep 2026 · Sources
-
Other
BFCM reported a capital increase of EUR 2.1 billion, including issue premium, as under way at 30 June 2026.
investors.bfcm.creditmutuel.fr ↗ -
Leadership
The board of Caisse Fédérale de Crédit Mutuel appointed Claude Kœstner group chief executive, succeeding Éric Petitgand. This change is at group level.
creditmutuel.fr ↗ -
Merger / acquisition
The acquisition of Oldenburgische Landesbank AG (OLB) closed on 2 January 2026 after all approvals were obtained. OLB entered BFCM's consolidation scope.
investors.bfcm.creditmutuel.fr ↗ -
Leadership
Éric Charpentier became chief executive of BFCM, and Daniel Baal became chairman of its board, on 1 January 2024.
creditmutuel.fr ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- CMCIFRPAXXX
- How the BIC breaks down
- CMCIBank
- FRCountry · France
- PALocation
- XXXBranch · head office
- Branch description
- BANQUE FEDERATIVE CREDIT MUTUEL - BFCM
- LEI
- VBHFXSYT7OG62HNT8T76
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- Code interbancaire (CIB) 11808
Profile
- Type
- Credit institutionListed as a credit institution, or a branch of one, on the ECB’s list of supervised entities, or named as a bank on the Financial Stability Board’s G-SIB list, directly or as a G-SIB’s main operating bank. These are the only bank lists the directory tracks so far.
- Regulation
- Prudentially supervised (ECB list)Prudentially supervised, according to the ECB list of supervised entities (as at 2026-07-01). This is banking supervision, not a licence on a tracked register.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- France · Europe & Central Asia
- Banking supervision
- Significant · supervised by the ECB as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
- Founded
- 1955
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Direct parent
- Caisse Federale de Credit Mutuel Societe A Mission (Application Loi Pacte) · France969500LFTDNMONT2EP08 ↗
- Ultimate parent
- Confederation Nationale Credit Mutuel · France9695000CG7B84NLR5984 ↗
The Confederation Nationale Credit Mutuel group has 41 institutions in the directory, in 13 countries: 38 hold a BIC and 3 do not.
Including Credit Mutuel Arkea, Banque Federative du Credit Mutuel, Credit Industriel et Commercial, Credit Industriel et Commercial, New York Branch, Targobank AG.
See the Confederation Nationale Credit Mutuel group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 4 RUE FREDERIC- GUILLAUME RAIFFEISEN STRASBOURG 67000 FRANCE
- Operational address
- 4 RUE FREDERIC- GUILLAUME RAIFFEISEN STRASBOURG 67000 STRASBOURG FRANCE
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>CMCIFRPAXXX</BICFI>
<LEI>VBHFXSYT7OG62HNT8T76</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>CMCIFRPAXXX</BICFI>
<LEI>VBHFXSYT7OG62HNT8T76</LEI>
<Nm>BANQUE FEDERATIVE DU CREDIT MUTUEL</Nm>
<PstlAdr>
<TwnNm>STRASBOURG</TwnNm>
<Ctry>FR</Ctry>
<AdrLine>4 RUE FREDERIC- GUILLAUME RAIFFEISEN STRASBOURG 67000</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2008-01-28 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2018-09-14 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2009-11-02 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2010-02-01 | Head office | — |
| Verification of Payee | 2025-10-09 | Head office | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
National bank codes
Code interbancaire (CIB) · France
1 code
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 11808 | CMCIFRPAXXX | Banque fédérative du crédit mutuel | STRASBOURG |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
Network
Branch network
All 10 branch BICs connect to the head office, spread across 5 functions. Largest: Clearing & payments (4), Corporate & commercial (2), Trade finance (2).
All 10 branch BICs connect to the head office, spread across 3 cities. Largest: Strasbourg (6), Paris (3), Lyon (1).
Hover over a branch or group to see its details
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| CMCIFRPACCM | BANQUE FEDERATIVE CREDIT MUTUEL - CCCM T2 | Paris | 6 AVENUE DE PROVENCE PARIS 75009 PARIS FRANCE | — | 2024-04-10 |
| CMCIFRPACHQ | BANQUE FEDERATIVE CREDIT MUTUEL - SWIFT CHEQUE | Strasbourg | 4 RUE FREDERIC- GUILLAUME RAIFFEISEN STRASBOURG 67000 STRASBOURG FRANCE | — | 2024-04-10 |
| CMCIFRPADGE | BANQUE FEDERATIVE CREDIT MUTUEL - CORPORATES | Paris | 6 AVENUE DE PROVENCE PARIS 75009 PARIS FRANCE | — | 2024-04-10 |
| CMCIFRPADOC | BANQUE FEDERATIVE CREDIT MUTUEL - DOCUMENTARY CREDITS | Strasbourg | 4 RUE FREDERIC- GUILLAUME RAIFFEISEN STRASBOURG 67000 STRASBOURG FRANCE | — | 2024-04-10 |
| CMCIFRPAGAR | BANQUE FEDERATIVE CREDIT MUTUEL - GUARANTEES | Lyon | 37 RUE SERGENT MICHEL BERTHET LYON 69009 LYON FRANCE | — | 2024-04-10 |
| CMCIFRPAGMT | BANQUE FEDERATIVE CREDIT MUTUEL - CUSTODY - GMT | Strasbourg | 4 RUE FREDERIC- GUILLAUME RAIFFEISEN STRASBOURG 67000 STRASBOURG FRANCE | — | 2024-04-10 |
| CMCIFRPAMTS | SERVICE OPERATIONS GENERALI | Strasbourg | 4 RUE FREDERIC- GUILLAUME RAIFFEISEN STRASBOURG 67000 STRASBOURG FRANCE | — | 2024-04-10 |
| CMCIFRPAPEN | BANQUE FEDERATIVE CREDIT MUTUEL - MASS AND PENSIONS PAYMENTS | Strasbourg | 4 RUE FREDERIC- GUILLAUME RAIFFEISEN STRASBOURG 67000 STRASBOURG FRANCE | — | 2024-04-10 |
| CMCIFRPAPOR | BANQUE FEDERATIVE CREDIT MUTUEL - COLLECTIONS | Strasbourg | 4 RUE FREDERIC- GUILLAUME RAIFFEISEN STRASBOURG 67000 STRASBOURG FRANCE | — | 2024-04-10 |
| CMCIFRPARFT | BANQUE FEDERATIVE CREDIT MUTUEL - CASH MANAGEMENT | Paris | 6 AVENUE DE PROVENCE PARIS 75009 PARIS FRANCE | — | 2024-04-10 |
Claim this profile
Work at Banque Federative du Credit Mutuel?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
- 01Submit Tell us who you are, using your work email.
- 02We verify We check the email domain and confirm your role with the bank. This usually takes up to five business days.
- 03Profile claimed The page is marked as claimed and verified. You can send us corrections at any time.
Claim received
Thank you. We will email your work address once the claim is verified. Until then, the page stays unclaimed.
The claim was not sent. Try again, or email contact@elucidate.co.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties.
- Banking supervision—Source: European Central Bank, list of supervised entities.
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- National bank codes—France (Source: ACPR – REGAFI).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: bfcm.creditmutuel.fr (official website) · original.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
Book a demo