Word from the Chairman and CEO

SRH – Société de Refinancement Hypothécaire (Mortgage Refinancing Company), which has been operating in the banking sector for 25 years, has always fulfilled its role, namely the development of financial intermediation for housing finance in order to reduce pressure on the State budget.

Mortgage refinancing is a powerful strategic tool that enables the mortgage market and the bond market to develop significantly and in parallel. Indeed, real estate financing undoubtedly requires long-term financing. Banks involved in this type of product often find themselves in cash flow difficulties due to the mismatch between their short- and medium-term resources and the long-term capital commitments required by real estate loans.

This is where mortgage refinancing companies play a key role, as they enable banks to recover their financing capacity by transferring their mortgage portfolios to SRH, thereby freeing them up to finance economic development projects.
This opportunity also enables banks to achieve two key objectives: the reorganisation of their assets and the reuse of funds allocated for refinancing for new mortgage portfolios. In parallel with mortgage refinancing, SRH has been offering property leasing to professionals, retailers and manufacturers for over 10 years. This product has attracted growing interest since its launch and demand has continued to increase.

Finally, through its core business, SRH has positioned itself as an indispensable player in the mortgage market by offering a financial mechanism to local banks, enabling them to promote mortgage lending under optimal conditions for managing their liquidity risk and complying with prudential rules.