CENORBANK Group is the institutional brand of the banking group that includes Caisse d’Epargne Hauts de France and its controlled entities. It embodies our multi‑territory, multi‑business and multi‑brand development.
It reflects a cooperative group that is clear, sustainable and trustworthy, creating opportunities for all of us, in the service of families and businesses across Northern Europe.
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Welcome to CENORBANK Group
“C.E” stands for Caisse d’Epargne — our historic brand and our roots.
“NOR” reflects our anchoring in the Hauts‑de‑France region and across Northern Europe.
“BANK” represents our business, our expertise, and our pride.
CENORBANK embodies the identity of a cooperative group — clear, enduring, and trustworthy.
It brings together collective strengths that inspire confidence and open up opportunities for each of us, for our clients, our member‑owners, and our partners — grounded in proximity and committed to relational excellence.
CENORBANK Group is part of the second‑largest banking group in France and the fourth‑largest in Europe, Groupe BPCE, which notably includes Natixis Investment Managers, Europe’s second‑largest asset manager.
With more than 100,000 employees, Groupe BPCE serves 35 million clients worldwide, including individuals, professionals, businesses, institutional investors and local authorities.
It operates in France through its two major retail networks — Banque Populaire and Caisse d’Epargne — as well as Banque Palatine and Oney.
Internationally, the Group also deploys its activities in corporate and investment banking through Natixis Corporate & Investment Banking, and in asset and wealth management through Natixis Investment Managers.
Member‑owners, the foundation of our model
The member‑owners, who hold the capital of Caisse d’Epargne Hauts de France through cooperative shares, form the cornerstone of our model. Their elected representatives make up the Orientation and Supervisory Board, chaired by Stéphane Maillet since 2025. Laurent Roubin serves as Chairman of the Management Board.
From left to right:
- Antoine Oliveau, Chief Human & Support Ressources Officer
- Sylvain Suc, Chief IT & Operations Officer
- Valérie Raynaud, Head of Retail Banking
- Laurent Roubin, CEO CENORBANK Group
- Audrey Franc, Head of Corporate & Business Banking
- Peggy Brione, CEO de Nagelmackers
- Michaël Kervran, CFO & group functions »
We are building a multi‑brand banking Group that brings together strong names such as Caisse d’Epargne Hauts de France, Nagelmackers, Van Lys Bank, Banque de l’Orme and many others. Multi‑business (retail banking, corporate financing, social housing and more), multi‑sector and multi‑geography (France and the Benelux), our Group is a financial force close to you — ready to meet all your needs, wherever you are.
An organisation aligned with the Group’s evolution
Historically rooted in the Hauts‑de‑France region, Caisse d’Epargne Hauts de France has pursued, over the years, a growth trajectory marked by its expansion into the Benelux and by the diversification of its business activities, serving individuals, businesses, real‑estate stakeholders and the broader real economy.
These developments have led the Group to establish a common institutional brand and to structure its activities around three complementary divisions, all guided by a shared utility‑driven mission that informs its overall action. This organisation strengthens the Group’s clarity and coherence.
A banking & insurance division, the Group’s historic foundation and driving force
As the leading business division of CENORBANK Group, the banking & insurance activity forms the core of its model. Serving individuals, professionals, businesses and institutional clients across France and the Benelux, the Group supports life projects and economic development for more than one million clients. This momentum, combined with carefully managed diversification, strengthens the long‑term resilience of the model.
An integrated real‑estate division serving local communities
CENORBANK Group relies on a dedicated real‑estate division that brings together its property companies and social‑housing operators, covering both investment and operations. By acting across all real‑estate asset classes, the Group helps improve access to housing, supports the evolution of uses, and contributes to the sustainable development of territories — working in close alignment with its other areas of expertise.
Private Equity — the Group’s equity investment division
Through its private‑equity activities, CENORBANK Group supports the growth, innovation and succession of businesses. This division enables the Group to invest alongside entrepreneurs and to strengthen strategic support and long‑term development of the regional economic fabric.
A utility‑driven mission at the heart of the Group’s activities
True to its cooperative roots, CENORBANK Group places its utility‑driven mission at the core of its strategy. It expresses the Group’s purpose — “to be useful to you here, every day” — by combining economic performance with collective value creation for the benefit of local communities.
The savings you entrust to us finance local projects that improve daily life. We granted €6.4 billion in new loans to support the projects of families and businesses.
Philanthropy, sponsorship, financial inclusion, and social and environmental commitments all reflect a purpose that permeates the Group’s activities and guides its action every day.