Caisse d'Epargne Belgium is a bank dedicated to corporates and real-estate players, since 2014.
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Firmly rooted in their local communities, the Caisses d’Epargne
pursue their mission day after day… to be useful to everyone,
without ever losing sight of the collective interest.
• 3 000 staff serving clients, individuals, corporates, institutionals, associations
• 300 branches
• 9 business centers across the territory
Capitalizing on our solid presence and our successes in Belgium, we are continuing our development in Luxembourg and the Netherlands. We have reached a strategic milestone in the Benelux, a key project for Caisse d’Epargne Hauts de France
Our cooperative model allows us to act in the general interest by adopting a long-term vision. And as a cooperative bank, we have no interests to serve other than those of our clients, employees and members.
We make decisions at local level that impact the heart of our region.
€6,2bn of loans granted to companies and institutions on our territory in 2024.
€2bn of debt arranged (for company acquisitions and transmissions, renewable energy and infrastructure projects, etc..) in 2024.
For the economic, social and environmental development of our region.
We support environmental and societal transformations in our region. We have been B Corp certified since 2022.
8th bank certified B Corp in Europe.
Net banking income
Outstanding loans
Net income
CET1 Solvency Ratio
Regulatory threshold : 10,47%
4th largest banking group in Europe & 2nd largest banking group in France
Non-listed companies
• Our priority: serving our clients and the public interest
• Continuous strengthening of our financial stability and lending capacity
Banks that belong to their clients
• Managed locally, in close connection with their directors elected by the member clients
• Customer satisfaction placed at the heart of their DNA
Large set of expertise
Universal “Bankinsurer”
• 100 000 employees in 50 countries
• Covering the entire banking and insurance services scope
Among European and global leaders
• 2nd European largest asset manager
• 2nd largest bond issuer in the world
• Current account (IBAN BE) • Online banking (ISABEL) • Term deposits • Investment products (structured products and UCITS)
• Trading room: Forex, interest-rate and commodity hedging • Equity Capital Markets: IPOs, capital increases, share buybacks, convertibles • Debt Capital Markets
• Equity bridge financing
• Documentary credits • International guarantees • Import/export letters of credit
• Short term (treasury facilities) • Medium/Long term (fixed or variable rate loans, RCFs) • Acquisition finance (syndicated loan arranger or participant) • Equipment leasing (green/solar leasing) • WCR financing (factoring) • Structured finance
• Natixis Partners: M&A and LBO advisory • Pramex International: Foreign investment project advisory
• Support from subsidiaries in France
• Real estate developer and investor financing • Real estate equity investments via Foncière Etoile du Nord • Real estate leasing
Head of Belgium
thierry.navette@hdf.caisse-epargne.fr
Senior Corporate Banker
samuel.corsellis@hdf.caisse-epargne.fr
Senior Corporate Banker
guy.desmet@hdf.caisse-epargne.fr
Senior Real Estate Corporate Banker
amandine.leflot@hdf.caisse-epargne.fr
Corporate banker
yoann.quere@hdf.caisse-epargne.fr
Senior Corporate Banker
kristof.van-haver@hdf.caisse-epargne.fr
Senior Real Estate Corporate Banker
alexis.vlieghe@hdf.caisse-epargne.fr
Junior corporate banker
nandini.deivassigamani@hdf.caisse-epargne.fr
Junior corporate banker
alexandre.soyer@hdf.caisse-epargne.fr