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A benefit corporation

18That is the number of commitments forming CIC’s societal and environmental project to reflect our role as a benefit corporation (entreprise à mission). They reflect our ethical and socially-responsible commitment across all our regions.


Find out more about our commitments

  • Commitment 1

    Creating more value and increasing our environmental and social impact by allocating 15% of our net income to the Societal Dividend.

  • Commitment 2

    Building lasting relationships with each of our customers through dedicated local advisors who do not work on a commission basis.

  • Commitment 3

    Preventing excessive debt by developing financial education and budgeting awareness in our customers.

  • Commitment 4

    Guaranteeing equal pay for men and women, and parity in our governance bodies and departments.

  • Commitment 5

    Harnessing talent regardless of background, by recruiting 30% of our work-study participants from disadvantaged and rural areas.

  • Commitment 6

    Taking down barriers to healthcare by covering the upfront health-related costs of our employees via the Tiers Payant Intégral system.

  • Commitment 7

    Defending equal opportunities by allowing young people to access higher education in their chosen area via our zero-interest Student Solidarity Loan.

  • Commitment 8

    Combating discrimination in home ownership by doing away with the health questionnaire and the requirement for applicants to be in permanent employment.

  • Commitment 9

    Helping our elders to age well at home by providing them with subsidized financing solutions to adapt their homes.

  • Commitment 10

    Training all advisors and educating directors about domestic violence, and enabling women who are victims of such abuse to open a personal bank account, free of charge, without informing their abuser.

  • Commitment 11

    Ensuring our customers’ data is kept private by pledging never to sell it.

  • Commitment 12

    Taking care to use Artificial Intelligence in a way that puts people front and center, by ensuring that every customer can contact an advisor.

  • Commitment 13

    Investing 5% of our equity in companies that support growth, employment and innovation in our local areas.

  • Commitment 14

    Supporting farmers by facilitating the transfer of farms and their ecological transition through subsidized loans.

  • Commitment 15

    Tackling medical deserts with a solution that makes life easier for doctors and healthcare professionals setting up in local communities.

  • Commitment 16

    Being a go-to partner for associations by offering them solutions for all their needs, and by financing their projects as part of a strong corporate patronage and partnership policy.

  • Commitment 17

    Creating a mutualist emergency fund to respond rapidly to critical events.

  • Commitment 18

    Reducing the carbon footprint of our balance sheet by 20% by 2027 to help decarbonize the economy.

Latest financial publications

  • 2024 Universal Registration Document

    View [PDF - 32 200Ko]

  • Amendment No. 1 to the 2024 Universal Registration Document

    View [PDF - 6 280Ko]

  • Amendment No. 2 to the 2024 Universal Registration Document

    View [PDF - 8 700Ko]

View all our regulatory disclosures

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Investors

Consult key documents on CIC’s financial and non-financial performance.

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