France · Credit institution
Sfil
SFIL is a French société anonyme with a board of directors, authorised as a bank by the Autorité de contrôle prudentiel et de résolution (ACPR) and headquartered in Paris. Caisse des Dépôts et Consignations has held 99.99% of its capital since 30 September 2020, and the French State keeps one ordinary share. The bank was created in February 2013 as part of the orderly resolution of the Dexia group, and it describes itself as a public development bank. It refinances loans to French local authorities and public hospitals through its subsidiary Caisse Française de Financement Local (Caffil), and it has refinanced large export credit contracts since May 2015.
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
- SFIL S.A.
- Entity type
- Credit institution
- Supervisory group
- Heads its own group
- Why significant
- Size (Total assets EUR 50-75 bn)
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- SFIL S.A.
- RIAD code
- FR16588
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- SFILFRPPXXX 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 SFILFRPP directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- T2
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2013-03-16
- Last updated
- 2024-05-25
Overview
Researched 29 Sep 2026 · Sources
Ownership
State-owned
99.99% Caisse des Dépôts et Consignations
Institution type
Development bank
Trades as Sfil
- Ownership
- Caisse des Dépôts et Consignations holds 99.99% of the capital and the French State keeps one ordinary share, so all shareholders are public bodies.
- Direct parent
- Caisse des Dépôts et Consignations, France 99.99%
- Head office
- Immeuble Biome, 112-114 avenue Émile Zola, 75015 Paris, France
- Company register
- RCS Paris 428 782 585
- Former name
- Société de Financement Local
Business lines
The bank refinances long-term loans to French local authorities and public hospitals, which are sold by La Banque Postale and Banque des Territoires and funded by covered bonds from its subsidiary Caffil, and it refinances large export credit contracts.
Online
- Websites & references
- sfil.fr ↗
sfil.fr/en ↗ English-language version of the corporate site
digisfil.fr ↗ client portal (Mon espace digisfil), linked from the sfil.fr header
Wikipedia ↗
Wikidata Q19945263 ↗ - Official social accounts
- LinkedIn ↗ · YouTube ↗
Sources · 9 pages consulted
- sfil.fr/mentions-legales/
- sfil.fr/notre-identite/
- sfil.fr
- sfil.fr/resultats-semestriels-2026-sfil/
- sfil.fr/wp-content/uploads/2026/09/Sfil-Resultats-semestriels-2026-VDef.pdf
- sfil.fr/wp-content/uploads/2026/03/CAFFIL_URD_2025__saison_2026__-_fr_FR_XHTML5.html
- autoritedelaconcurrence.fr/en/communiques-de-presse/autorite-clears-subject-conditions-acquisition-societe-de-financ
- societe.com/societe/sfil-428782585.html
- en.wikipedia.org/wiki/Sfil
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Philippe Mills
Directeur Général (Chief Executive Officer)
- Chair
- Virginie Chapron-du Jeu Présidente du conseil d'administration (Chair of the Board of Directors)
- Chief financial officer
- Florent Lecinq Directeur Finance et Marchés Financiers (Head of Finance and Financial Markets)
- Executive
- François Laugier Directeur Général Adjoint (Deputy Chief Executive Officer)
- Executive
- Cécile Degove Secrétaire Générale – Directrice Juridique et de la Conformité (General Secretary, Head of Legal and Compliance)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank (Single Supervisory Mechanism) Prudential supervisor
- France
- Autorité de contrôle prudentiel et de résolution (ACPR) Prudential supervisorAML supervisorResolutionConduct
- European Union
- Single Resolution Board Resolution
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The board recorded the appointment of Laure de Buyer as a director from 28 April 2026, replacing Perrine Kaltwasser.
societe.com ↗ -
Leadership
Caisse des Dépôts et Consignations named Othmane Drhimeur as its permanent representative on the board, replacing Alexandre Thorel.
societe.com ↗ -
Licence
The European Commission authorised the bank on 18 December 2024 to extend public-sector lending to French public establishments and sui generis public bodies.
sfil.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
- SFILFRPPXXX
- How the BIC breaks down
- SFILBank
- FRCountry · France
- PPLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 549300HFEHJOXGE4ZE63
- 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) 16588
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
- 2013
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 des Depots et Consignations · France969500Q2PFTTP0Y5QL44 ↗
The Caisse des Depots et Consignations group has 21 institutions in the directory, in 6 countries: 20 hold a BIC and 1 does not.
Including La Banque Postale, Ezyness, Caisse Francaise de Financement Local, LA Banque Postale Consumer Finance, La Banque Postale Home Loan Sfh.
See the Caisse des Depots et Consignations group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 112-114 AVENUE EMILE ZOLA PARIS 75015 FRANCE
- Operational address
- 112-114 AVENUE EMILE ZOLA PARIS 75015 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>SFILFRPPXXX</BICFI>
<LEI>549300HFEHJOXGE4ZE63</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>SFILFRPPXXX</BICFI>
<LEI>549300HFEHJOXGE4ZE63</LEI>
<Nm>SFIL</Nm>
<PstlAdr>
<TwnNm>PARIS</TwnNm>
<Ctry>FR</Ctry>
<AdrLine>112-114 AVENUE EMILE ZOLA PARIS 75015</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 |
|---|---|---|---|
| 16588 | SFILFRPPXXX | SFIL S.A. | 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).
- 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. 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: sfil.fr (official website) · original; Philippe Mills: sfil.fr (official website) · original.
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