Banco Primus is a Portuguese bank created in 2005 specialising in innovative financing solutions on the loan restructuring market and for raising capital backed by mortgage loans.
Since 2005, it has extended its product offer on the market, with the launch of automobile finance services including lending, leasing and long-term leasing. Its target market includes individuals, professionals and very small businesses.ENFI
Ecole Nationale du Financement de l’Immobilier (the National School of Real Estate Financing)
Capitalising on the historic expertise of the parent company in the area of property lending, ENFI is a partner recognised by developers, residential homebuilders, real estate agents, property administrators and brokers. Throughout the years, tailored programmes have been developed for banking and insurance groups.
The ENFI also offers training programmes to decision-makers (executives, administrative and financial directors, facilities managers) in charge of managing and optimising corporate property assets in the private, public or medical/social sectors.
Now, the ENFI’s areas of expertise cover a wide spectrum of topics including residential lending, financing corporate property assets, property assessment and valuation and property law and regulation.Compagnie de Financement Foncier
Compagnie de Financement Foncier
These activities are funded by the issuance of obligations foncières, special covered bonds under French law, on the capital markets in various formats and currencies. Obligations foncières have a preferred legal status giving their bond holders priority access to asset flows. The obligations foncières issued by Compagnie de Financement Foncier are covered bonds that are compliant with European directives pertaining to UCITS and the Capital Requirements Directive.
Strongly rooted within its parent company Crédit Foncier, Compagnie de Financement Foncier has been issuing obligations foncières since 1852 and remains a market leader to this day.
In 2012, the European Covered Bond Council (ECBC) created a certification process for covered bonds. Its goal is to facilitate access for investors to standardised and relevant disclosure. Compagnie de Financement Foncier played a leading role in developing and implementing the process. In fact, it is a member of the ECBC’s Executive Committee.Crédit Foncier Immobilier
Crédit Foncier Immobilier
Building a close relationship with its customers, Crédit Foncier Immobilier is a major company involved in advisory services that offers a full spectrum of services ranging from consultancy to brokerage, valuation, management and audit. Crédit Foncier Immobilier is present in 15 French cities and has 260 employees.
Crédit Foncier Immobilier’s business is centred on two major divisions.
The first, dedicated to consulting and valuations, offers services, including:
- consulting and audit (Crédit Foncier Conseil & Audit);
- valuation (Crédit Foncier Expertise);
- appraisals services (Serexim);
The second division supports property owners with regard to their:
- investment strategy (Ad Valorem Investissement);
- sale of new or existing buildings (Ad Valorem Résidentiel);
- acquisition or sale of office space (B&D Conseils);
- management and rental (Ad Valorem Gestion & Location).
Locindus, created in 1968 and listed in 1970, is a lending institution authorised as a financial company. It is specialised in property leasing, mortgage lending and long-term leasing.
Locindus offers investors and companies finance solutions that are tailored to their needs. It helps private investors, investment and real estate companies acquire property. Its in-depth knowledge of the property markets combined with the expertise of Crédit Foncier make it a natural partner for investors, a long-standing and recurring client base for Crédit Foncier.
For all property endeavours, Locindus designs tailored medium- and long-term legal and financial operations.
Locindus is also a partner for all real estate projects: offices, commercial property, warehouses, logistics facilities, business premises, healthcare centres and hotels.
By entrusting Locindus with its business endeavour, a company or investor also benefits from all of Crédit Foncier’s expertise across a wide range of fields: comprehensive knowledge of property markets, support during each step of the endeavour, financial and legal expertise, payment of companies throughout construction, finance structuring and management.SOCFIM
Its services are delivered by a team of specialists and receive support from the territorial expertise of the BPCE banking network.
Socfim celebrated 20 years of being in business, which provided an opportunity to take a look back at its history and its position on different property markets.
Well-known by major property developers and regional players, Socfim finances their new housing projects throughout France, including both social housing (ownership and renting) as well as managed products (senior living, student housing, leisure).
It is also active on the existing-home segment, on behalf of property brokers and property investment funds, who thus contribute to renewing existing properties.
At present, Socfim contributes to the financing of nearly 24,000 housing units, including over 9,000 as part of operations launched in 2012.
Socfim teams were also able to make inroads in the area of financing major commercial property transactions. In recent years, Socfim has been increasingly active in the businesses of office space, commercial property and logistics platforms.
The financial and property expertise of the men and women of Socfim is a major asset on this demanding market.
- 3,6 bn
Socfim manages (as of January 2013) €3.6bn in commitments (loans and letters of credit), 1/3 on its own behalf and 2/3 on behalf of Groupe BPCE entities (CFF, Caisses d’Epargne, Banque Populaire banks, Banque Palatine, etc.)
- €1,4 bn
With annual production of around €1.4bn (2013 target) Socfim is the leader on this market
With over 24,000 housing units and 1.3 million square metres in commercial property (offices, stores, warehouses, etc.), total business activity stood at €9.7bn as of 12/31/2012.
- €8,6 million
Our pre-tax earnings in 2012 came out to €8.6 million
Business lines and expertise
Socfim offers its employees development opportunities in expert business lines. A team of 65 specialists, covering all business lines involved in financing property professionals, has skills in the following areas:
- Sales development (front office)
- Management and legal (middle office)
- Banking services (back office)
- Risks, permanent control and compliance
- Accounting, financial control, finance, IT and HR, etc. (support activities)