Regulatory Decision 2024-19 of October 1, 2024: Organization of the General Directorates of the Bank of France

PUBLIC DOCUMENT
BANK OF FRANCE
GOVERNOR'S DECISION
R.D. No. 2024-19 of October 1, 2024
Organization of the General Directorates of the Bank of France Concerns the General Directorate for Economic Services and the Network
Section: 0.2.1

THE GOVERNOR OF THE BANK OF FRANCE
DECIDES

Consolidated version as of February 5, 2025

Article 1: Within the General Directorate for Economic Services and the Network (DGSER), the i-climate program directorate is created on September 30, 2024.

Article 2: The DGSER includes units at headquarters and all units of the network.

Article 3: [Article modified by D-2025-04 of February 5, 2025] The DGSER at headquarters includes:

• an executive office, responsible for the management of:
  • the human, financial, real estate, and material resources of the headquarters units of the general directorate,
  • the National Interim Brigade for Tertiary Activities of the Network, whose mission is to cover certain absences and handle activity surges in the various network units, including reception and information offices (BAI);
• the risk steering service, responsible for risk management, permanent control, information system security, and resilience of the "physical presence" domain;
• the National Credit Mediator, established in application of the headquarters agreement of January 25, 2021, concluded between the State, the Bank of France, the issuing institute of the overseas departments, the French Banking Federation, and the French Association of Financial Companies;
• the general secretariat of the Financial Sector Consultative Committee (CCSF), established in application of Article L 614-1 of the Monetary and Financial Code, which organizes meetings, provides secretariat services, and prepares reports for the CCSF;
• the network directorate, ensuring coordination of relations between the DGSER headquarters directorates and other general directorates and the network units;
  it handles, in particular, cross-cutting activities concerning strategic steering and operational management of the network;
• the Business Directorate (DE), which is responsible for collecting, analyzing, and making available information on non-financial businesses, directly or through functional responsibility of network units, and for organizing support mechanisms for businesses designed by the Bank or to which the Bank participates;
• the Personal Services Directorate (DPAR), which manages, directly or through functional responsibility of network units, the Bank's activities more particularly oriented towards individuals: secretariat of over-indebtedness commissions, incident files, right to account and financial inclusion, as well as the various public reception mechanisms resulting therefrom;
• the IT Directorate for the Network (DIRES), for its "DGSER component," which acts as the project owner, pilots, and coordinates the modernization and maintenance of applications related to activities carried out by the DGSER and in the tertiary network;
• the Financial Education Directorate (DEF), which manages, directly or through functional responsibility of network units, the actions carried out by the Bank of France in its capacity as operator of the national financial education strategy.
• The i-climate program directorate (DICLI), whose mission is to design and develop the climate indicator for businesses, deploy it with the assistance of the Network, manage external relations related to it, and develop the associated information system.

Article 4: The Bank of France's network exercises the Bank's professions that require a presence on metropolitan territory; it includes:

• regional directorates, one per region, which are also departmental directorates for departments where the regional capital is located; they are responsible for all of the Bank's activities in the region;
• departmental directorates, one per department (except Paris), located in the departmental capital1 and attached to the regional directorates; departmental directorates include at least one "contact" pole oriented towards the Bank's external missions aimed at all its publics (businesses, individuals, state services, financial education partners, local authorities...). Some departmental directorates include a cash service2 and/or one or two shared processing centers for business or over-indebtedness files. To account for local particularities, if necessary, some departmental directorates delegate part of their activity to another unit located in the same department.

Article 5: This regulatory decision takes effect on September 30, 2024, and repeals Regulatory Decision 2024-03 of March 4, 2024.

The Governor,
François VILLEROY de GALHAU

1 Exceptionally, the branches of the Hauts-de-Seine, Finistère, Haut-Rhin, and Marne are not located in the departmental capital but in Courbevoie, Brest, Mulhouse, and Reims.
2 The cash service of the Lyon branch takes the form of a Fiduciary Center directly attached to it.