A very solid financial performance driven by the strength of Sfil’s business model

22 February 2023

In line with Sfil’s financial performance in 2021, earnings were also highly robust in 2022. Sfil generated a consolidated net banking income of EUR 243 million (up by 3.5% 2021) and a consolidated net income of EUR 86 million (+12% compared with 2021).


The activity was relatively dynamic in spite of volatile interest rates and heavy constraints related to the rate setting mechanism for the usury rate. Sfil has forged a new partnership with Banque des Territoires, which is effective since November 2022. This scheme aims to provide French local authorities and hospitals with fixed rate very long-term funding, with maturities between 25 and 40 years.

In addition, Sfil launched a new range of social loans with La Banque Postale in order to support French local authorities in financing investments related to health, education, sport, culture, development and regional cohesion.

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