Caisse des Dépôts et Consignations : Un groupe public au service de l'intérêt général et du développement économique

Within Caisse des Dépôts, the savings funds management body (DFE) is in charge of managing savings deposits under the "livrets" (bank book) savings schemes centralised by Caisse des Dépôts (Livret A, Livret d’épargne populaire, Livret de développement durable) and the financing of social rental housing and town policy. This is translated by a non-consolidated accounting policy which sets apart from Caisse des Dépôts other activities.

The task of the savings funds management body is to:

• on the one hand, ensure the security and liquidity of regulated savings collected by the banking networks and centralised within Caisse des Dépôts;
• on the other hand, to ensure that these savings are transformed into long term loans for general interest investments set by public powers, with social housing as a priority.

This mechanism also allows for very important public financing to be carried out in support of State and local authority initiatives.

Loans are offered with the same rate conditions for all lenders within a given category of financing. To ensure the balance, liquidity and security of this mechanism for the transformation of savings into long term loans, a significant proportion of these funds is placed within financial markets

The savings funds management body (280 people) is situated in Paris, at Avenue Pierre Mendès-France. It draws upon the regional management network for the marketing of its loans.

The savings funds director is on the Caisse des Dépôts and group Management Committee.

• Long term investment activity in support of local authorities is provided by the territorial development and network management body. It contributes through equity capital to: Housing and urban regeneration, real estate, digital infrastructure, environment, tourism and the health and social sector.
• The regional management network: The territorial development and network management body is decentralised with 25 regional management bodies which implement Caisse des Dépôts' general interest missions on a local level throughout French territory. It contributes through investments and also through the grant of guarantees, loans and subsidies.

Caisse des Dépôts' retirement pensions management body manages 48 institutions It thus has a relationship with 75,000 employers, covering more than 7 million contributors and almost 3.3 million pensioners, i.e. 1 in 5 retired people.

Administrative management of public pension schemes (CNRACL, Ircantec, Rafp, FSPOEIE) was conferred upon Caisse des Dépôts: The retirement pensions management body is in charge of operations, legal, technical and financial management and relationships with those benefiting from these schemes.

To this end, its mandated management tasks include collecting contributions from working people and their employers, holding the accounts of people insured by the schemes, making service payments to pensioners and giving information to affiliated entities, managing accounts and treasury and, where necessary, the schemes' financial reserves. Amongst the numerous other management mandates held are the "Fonds pour l’insertion des personnes handicapées dans la fonction publique" (FIPHFP - fund for the integration of disabled people within public service workplaces) and the "allocation de solidarité aux personnes agées" (SASPA - solidarity benefit for elderly people).

Caisse des Dépôts' relationship with the Boards of Directors for the main schemes and funds is governed by long term objectives and management agreements, approved by the appropriate government Ministries.

The retirement pensions management body operates from several sites: Bordeaux, Angers, Paris, Metz, Cholet, Blois and Arcueil.

Find out more

• Supporting local authorities
• Regional management contact details

Caisse des Dépôts' site in Arcueil