Netherlands · Credit institution
Caisse D'epargne et de Prevoyance Hauts de France (Caisse D'epargne Netherlands)
Legal name in the LEI recordCAISSE D'EPARGNE ET DE PREVOYANCE HAUTS DE FRANCE
Caisse d'Epargne et de Prévoyance Hauts de France is a French cooperative bank based in Lille and a member of Groupe BPCE. It is a société anonyme with a Management Board and a Steering and Supervisory Board, and it is affiliated to BPCE, the group's central institution. It serves retail, professional, corporate, public-sector and social-housing clients in the Hauts-de-France region, and it runs corporate banking branches in Belgium and the Netherlands. It took its current name on 1 May 2017, when it absorbed Caisse d'Epargne et de Prévoyance Nord France Europe, and it acquired Bank Nagelmackers on 10 March 2025.
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
FSB · global systemically important banks
2025 list
- G-SIB
- Groupe BPCE
- Relation
- In a G-SIB groupGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
- Bucket
- 1 of 5 · extra capital buffer 1.0% of risk-weighted assets
- On the list since
- 2018
ECB banking supervision
List of supervised entities as of 2026-07-01
- Classification
- Significant institution
- Supervisor
- European Central Bank (direct supervision)
- Listed as
- Caisse d’Épargne et de Prévoyance Hauts de France
- Entity type
- Credit institution
- Supervised group (ECB)
- BPCE S.A. →
- 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
- Caisse d'Epargne et de Prévoyance Hauts de France
- RIAD code
- NL0350533
- Head institution
- Caisse d'épargne et de prévoyance Hauts de France
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
- CEPANL2AXXX 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 CEPANL2A directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- TIPS
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2024-04-10
- Last updated
- 2025-02-08
Overview
Researched 29 Sep 2026 · Sources
Total assets
Not published
Ownership
Member-owned
Institution type
Savings bank
Trades as Caisse d'Epargne Hauts de France (institutional brand: CENORBANK Group; Amsterdam branch: CENORBANK Nederland)
- Standing
- The BIC CEPANL2A belongs to the bank's Amsterdam branch, which trades as CENORBANK Nederland and was formerly branded Caisse d'Epargne Nederland. The branch publishes its address as Gustav Mahlerplein 109-115, 1082 MS Amsterdam, with KVK number 866012734.
- Ownership
- The bank's capital is held by its cooperative members through local savings companies, and BPCE, the central institution of Groupe BPCE, consolidates it.
- Head office
- 612 rue de la Chaude Rivière, 59800 Lille, France
- Company register
- 383 000 692 RCS Lille Métropole
- Name in the local language
- Caisse d'Épargne et de Prévoyance Hauts de France
- Former name
- CAISSE D'EPARGNE ET DE PREVOYANCE PICARDIE
Business lines
According to its group website, the bank's activities cover bancassurance, real-estate operators including social-housing landlords and private equity, and its Amsterdam branch serves large Dutch corporates.
Online
- Websites & references
- cenorbankgroup.com ↗
caisse-epargne.fr ↗ retail customer site (Caisse d'Epargne Hauts de France)
caissedepargnenederland.nl ↗ Netherlands branch site (CENORBANK Nederland, BIC CEPANL2A)
caissedepargnebelgium.be ↗ Belgian branch site (CENORBANK Belgium)
Wikidata Q115580147 ↗ - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗ · LinkedIn (CENORBANK Group) ↗ · LinkedIn (Netherlands branch showcase) ↗
Sources · 12 pages consulted
- caissedepargnenederland.nl/legal-notices/
- caissedepargnenederland.nl/en/home-page/
- caisse-epargne.fr/hauts-de-france/votre-banque/reglementation/mentions-legales/
- cenorbankgroup.com/mentions-legales/
- cenorbankgroup.com/le-groupe/
- groupebpce.com/en/the-group/the-senior-management-of-the-caisses-depargne/
- groupebpce.com/en/directory/caisse-depargne-hauts-de-france/
- federation.caisse-epargne.fr/actualites/stephane-maillet-elu-a-la-presidence-du-conseil-dorientation-et-de-surveillanc
- caisse-epargne.fr/hauts-de-france/resultats-2024-perspectives-2025/
- caisse-epargne.fr/hauts-de-france/caisse-depargne-hauts-de-france-federe-ses-entites-et-ses-activites-sous-
- societe.com/societe/caisse-d-epargne-et-de-prevoyance-hauts-de-france-383000692.html
- lejournaldesentreprises.com/article/la-caisse-depargne-hauts-de-france-adopte-la-marque-cenorbank-et-change-de-dimens
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Laurent Roubin
Chairman of the Management Board (Président du Directoire); CEO CENORBANK Group
- Chair
-
Stéphane Maillet
Chairman of the Steering & Supervisory Board
- Chief financial officer
- Michaël Kervran Membre du directoire, Finance & group functions
- Executive
- Valérie Raynaud Membre du directoire, Retail Banking
- Executive
- Audrey Franc Membre du directoire, Corporate & Business Banking
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 supervisorConductResolution
- France
- Autorité des marchés financiers (AMF) SecuritiesConduct
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The bank adopted CENORBANK Group as the institutional brand for itself and its controlled entities in France and the Benelux.
caisse-epargne.fr ↗ -
Leadership
Stéphane Maillet succeeded Philippe Lamblin as chairman of the Steering and Supervisory Board after the general meeting of 25 April 2025.
federation.caisse-epargne.fr ↗ -
Merger / acquisition
The bank completed the acquisition of Bank Nagelmackers, a Belgian personal and private bank, on 10 March 2025.
caisse-epargne.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
- CEPANL2AXXX
- How the BIC breaks down
- CEPABank
- NLCountry · Netherlands
- 2ALocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 969500GIUTUIEDJHFL17
- 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) 16275
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
- Netherlands · Europe & Central Asia
- FSB G-SIB list
- In a G-SIB group · Groupe BPCE list of 2025
- 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
- 1991
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
- Bpce · France9695005MSX1OYEMGDF46 ↗
- FSB G-SIB list
- In a G-SIB group · Groupe BPCE bucket 1 · 2025 listGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
The Bpce group has 100 institutions in the directory, in 28 countries: 98 hold a BIC and 2 do not.
Including Natixis SA, Bred Banque Populaire, Bpce SA, Credit Foncier de France, Natixis Corporate and Investment Banking Luxembourg.
See the Bpce group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- GUSTAV MAHLERLAAN 308 AMSTERDAM 1082 ME NETHERLANDS
- Operational address
- SYMPHONY OFFICES FINANCIAL OFFICES GUSTAV MAHLERLAAN 109 TO 115 AMSTERDAM 1082 MS AMSTERDAM NETHERLANDS
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>CEPANL2AXXX</BICFI>
<LEI>969500GIUTUIEDJHFL17</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>CEPANL2AXXX</BICFI>
<LEI>969500GIUTUIEDJHFL17</LEI>
<Nm>CAISSE D'EPARGNE ET DE PREVOYANCE HAUTS DE FRANCE (CAISSE D'EPARGNE NETHERLANDS)</Nm>
<PstlAdr>
<TwnNm>AMSTERDAM</TwnNm>
<Ctry>NL</Ctry>
<AdrLine>GUSTAV MAHLERLAAN 308 AMSTERDAM 1082 ME</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 |
|---|---|---|---|
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
TIPS entries have no joining date.
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 |
|---|---|---|---|
| 16275 | CEPANL2AXXX | Caisse d'épargne et de prévoyance Hauts de France | LILLE |
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 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: cenorbankgroup.com (official website) · original; Laurent Roubin: groupebpce.com (official website) · original; Stéphane Maillet: groupebpce.com (official website) · original.
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