CIC Benefit corporation
Choose a bank that has chosen to do more than just numbers
With the societal dividend, 15% of our group's income1 is spent on environmental and societal projects. Supporting community life, new farmers, students, capitalizing on talents from wherever they come, defending gender equality and keeping people at the heart of the relationship... That's what it's all about, building for the world to move.
7 bonnes raisons de choisir une banque qui...
A choisi d'aider les étudiants à étudier
Pour répondre au coût de la vie étudiante, nous proposons un Prêt étudiants 0% TAEG fixe2.
| Montant de vos remboursements | Taux Annuel Effectif Global (TAEG) fixe1 | Taux débiteur fixe | Frais de dossier | Montant total dû |
|---|---|---|---|---|
| 120 mensualités de 125 € | 0% | 0% | Aucun | 15 000 € |
Le montant des mensualités indiqué ci-dessus ne comprend pas l’assurance facultative proposée habituellement : assurance Décès, Perte Totale et Irréversible d’Autonomie, Invalidité Permanente et Incapacité de Travail. Assurance calculée sur le capital restant dû, avec un montant de 1ère cotisation mensuelle 9,88 €, d’un montant total sur la durée du crédit de 605,25 € et un taux annuel effectif de l’assurance (TAEA) de 0,79%. Conditions au 01/01/2025. Intérêts pris en charge par la Banque.
A choisi de soutenir l'installation des nouveaux agriculteurs
Nous sommes engagés auprès des agriculteurs et viticulteurs de demain en proposant un Prêt Installation Agri de 2%3.
A choisi de remettre le vélo en selle
Pour tout achat d'un vélo mécanique ou électrique, nous proposons un Crédit Vélo 0% TAEG fixe4.
Exemple pour un Crédit vélo d’un montant de 2 500 € et d’une durée de 36 mois4
| Mensualité 35 mensualités |
Remboursement dernier mois | Taux annuel effectif global (TAEG) fixe | Taux débiteur fixe3 | Frais de dossier | Montant total dû |
|---|---|---|---|---|---|
| 69,44 € | 69,60 € | 0% | 0% | offerts | 2 500 € |
Montant hors assurance facultative proposée habituellement : assurance Décès, Perte Totale et Irréversible d'Autonomie, Invalidité Permanente et Incapacité de Travail. Assurance calculée sur le capital restant dû, avec un montant de 1ère cotisation mensuelle de 3,54 €, d'un montant total sur la durée du crédit de 65,92 € et un taux annuel effectif de l'assurance (TAEA) de 1,71%. Conditions au 01/11/2024.
A choisi de miser sur le talent d'où qu'il vienne
Nous recrutons plus de 30%5 d'alternants issus de quartiers prioritaires et de zones rurales.
A choisi de défendre l'égalité femmes / hommes
Nous défendons l'égalité salariale femmes / hommes à tous les échelons de la banque.
A choisi de soutenir la vie associative
Nous offrons aux associations éligibles le compte6, la carte6 et la responsabilité civile7 pour leurs dirigeants.
A choisi de garder l'humain au coeur de la relation
En Agence ou à distance, chacun de nos clients pourra toujours échanger avec un conseiller dédié et non commissionné.
Our 18 commitments
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Mission 5: as a responsible organization, we strive for a fairer, more sustainable society
1. Creating more value and increasing our environmental and social impact by allocating 15% of our net income to the Societal Dividend.
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Mission 1: as a subsidiary of a cooperative and mutualist organization, we always have our customers’ best interests in mind
2. Building lasting relationships with each of our customers through dedicated local advisors who do not work on a commission basis.
3. Preventing excessive debt by developing financial education and budgeting awareness in our customers.
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Mission 2: we take action as a bank for everyone – not just for our customers, but also for our employees – and we refuse all forms of discrimination
4. Guaranteeing equal pay for men and women, and parity in our governance bodies and departments.
5. Harnessing talent regardless of background, by recruiting 30% of our work-study participants from disadvantaged and rural areas.
6. Taking down barriers to healthcare by covering the upfront health-related costs of our employees via the Tiers Payant Intégral system.
7. Defending equal opportunities by allowing young people to access higher education in their chosen area via our zero-interest Student Solidarity Loan.
8. Combating discrimination in home ownership by doing away with the health questionnaire and the requirement for applicants to be in permanent employment.
9. Helping our elders to age well at home by providing them with subsidized financing solutions to adapt their homes.
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.
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Mission 3: we harness technology and innovation to serve people and protect their privacy
11. Ensuring our customers’ data is kept private by pledging never to sell it.
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.
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Mission 4: as a community-oriented organization, we contribute to the development of local areas
13. Investing 5% of our equity in companies that support growth, employment and innovation in our local areas.
14. Supporting farmers by facilitating the transfer of farms and their ecological transition through subsidized loans.
15. Helping to tackle medical deserts with a solution that makes life easier for doctors and healthcare professionals setting up in local communities.
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.
17. Creating a mutualist emergency fund to respond rapidly to critical events.
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Mission 5: as a responsible organization, we strive for a fairer, more sustainable society
18. Reducing the carbon footprint of our balance sheet by 20% by 2027 to help decarbonize the economy.
