France · Credit institution
C.R.H. - Caisse de Refinancement de L'habitat S.A.
Legal name in the LEI recordCAISSE DE REFINANCEMENT DE L'HABITAT
Caisse de Refinancement de l'Habitat (CRH) is a French société anonyme with its registered office in Paris. It is authorised as a specialised credit institution. Its shares are held by French banking groups: Crédit Agricole (including Crédit Lyonnais), BPCE, Crédit Mutuel and Société Générale. Each holding is in proportion to that bank's use of CRH refinancing. CRH was created in 1985 under article 13 of Law no. 85-695 of 11 July 1985. Its sole purpose is to refinance housing loans granted by its shareholder banks. It does so by issuing covered bonds and buying promissory notes from the banks on the same rate and maturity terms.
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
- Less significant institution
- Supervisor
- Autorité de contrôle prudentiel et de résolution / Banque de France (with ECB oversight)
- Listed as
- C.R.H. - Caisse de Refinancement de l’Habitat
- Entity type
- Credit institution
- Remarks
- HI: supervised entities which are classified as high-impact LSIs.
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- C.R.H. - Caisse de refinancement de l'habitat
- RIAD code
- FR11380
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- CRRHFRPAXXX 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 CRRHFRPA directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- T2
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2019-08-04
- Last updated
- 2023-12-06
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Privately held
Institution type
Other
Trades as CRH
- Ownership
- At 30 June 2026 the shares were held by French banking groups: Crédit Agricole group 31.54%, BPCE 30.35%, Crédit Mutuel group 28.92% and Société Générale 9.20%. Holdings are reallocated each year in proportion to each bank's refinancing.
- Major shareholders
- BPCE 30.35% · 30 Jun 2026
Crédit Agricole SA 25.18% · 30 Jun 2026
Caisse Centrale du Crédit Mutuel 14.38% · 30 Jun 2026
Banque Fédérative du Crédit Mutuel 11.75% · 30 Jun 2026
Société Générale 9.2% · 30 Jun 2026
Crédit Lyonnais 6.35% · 30 Jun 2026 - Head office
- 3, rue La Boétie, 75008 Paris, France
- Company register
- 333 614 980 R.C.S. Paris
Business lines
CRH refinances French residential home loans granted by its shareholder banks. It issues covered bonds labelled as European covered bonds (premium) and lends the proceeds to the banks on identical terms. The loans are secured by pledged housing loans of at least 125% of the amount lent.
Online
- Websites & references
- crh-bonds.com ↗
Wikidata Q131522967 ↗ - Official social accounts
- None found
Sources · 8 pages consulted
- crh-bonds.com/
- crh-bonds.com/Mentions/MentionsLegales.html
- crh-bonds.com/English_Presentation.html
- crh-bonds.com/DocRef/Liste_DocRef.html
- crh-bonds.com/DocRef/2026-D26-0245-A01.pdf
- crh-bonds.com/SiteMap.html
- crh-bonds.com/Communique/Liste_Communique.html
- pappers.fr/entreprise/crh-caisse-de-refinancement-de-lhabitat-333614980
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Marc Nocart Directeur Général
- Chair
- Denis Duverne Président du conseil d'administration
- Executive
- Marc Rein Secrétaire Général (effective management; administration and accounting)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- France
- Autorité de contrôle prudentiel et de résolution (ACPR) Prudential supervisorAML supervisorResolution
- France
- Banque de France Central bank
Recent events
Researched 29 Sep 2026 · Sources
-
Other
BNP Paribas left the shareholding and the board of directors. By 31 December 2025 it had no outstanding CRH refinancing.
crh-bonds.com ↗ -
Leadership
The board co-opted Alain Chéneau as a director to replace Olivier Hassler. The general meeting confirmed the appointment on 17 April 2025.
crh-bonds.com ↗ -
Other
An extraordinary general meeting amended the articles and internal rules. The changes introduced new shareholder liquidity support arrangements.
crh-bonds.com ↗
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
- CRRHFRPAXXX
- How the BIC breaks down
- CRRHBank
- FRCountry · France
- PALocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 969500TVVZM86W7W5I94
- 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) 11380
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
- Less significant · Autorité de contrôle prudentiel et de résolution / Banque de France 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
- 1985
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
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 3 RUE LA BOETIE PARIS 75008 FRANCE
- Operational address
- 3 RUE LA BOETIE PARIS 75008 PARIS 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>CRRHFRPAXXX</BICFI>
<LEI>969500TVVZM86W7W5I94</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>CRRHFRPAXXX</BICFI>
<LEI>969500TVVZM86W7W5I94</LEI>
<Nm>C.R.H. - CAISSE DE REFINANCEMENT DE L'HABITAT S.A.</Nm>
<PstlAdr>
<TwnNm>PARIS</TwnNm>
<Ctry>FR</Ctry>
<AdrLine>3 RUE LA BOETIE PARIS 75008</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 |
|---|---|---|---|
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
The T2 list names direct participants only and gives no joining date.
An institution missing from T2 may still be reachable through an indirect participant.
“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 |
|---|---|---|---|
| 11380 | CRRHFRPAXXX | C.R.H. - Caisse de refinancement de l'habitat | PARIS |
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.
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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 Central Bank, List of T2 participants.
- 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).
- 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. 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: crh-bonds.com (official website) · original.
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