Credit Cooperatif is a French cooperative bank founded in 1893, specializing in providing banking services primarily to actors in the social and solidarity economy (SSE), including cooperatives, SMEs, mutuals, associations, and organizations of general interest[1][2]. Here are key aspects of Credit Cooperatif: ## Overview - History and Mission: Established in 1893, Credit Cooperatif focuses on supporting the social and solidarity economy, aligning its financial activities with societal and environmental transitions[2]. - Ownership: The bank is owned entirely by its clients, who are also shareholders, allowing them to participate in decision-making processes[2]. ## Services and Operations - Banking Services: Offers a range of banking products and services, including account management, deposits, and loans, with a focus on ethical and sustainable practices[2]. - Digital Banking: Provides online banking services through Coop@ccess, allowing clients to manage accounts, initiate transactions, and access financial information securely[2]. - Transparency and Ethics: Publishes an annual "circuit de largent" report to ensure transparency in how client funds are used. It also maintains a policy of excluding investments in tax havens unless under specific conditions[2]. ## Structure and Affiliations - Group Affiliation: Part of the Groupe BPCE since 2008, benefiting from the group's resources and financial stability while maintaining its autonomy[2]. - International Presence: Has a subsidiary in Belgium, CoopEst, focused on financing social economy enterprises in Eastern Europe[2]. ## Social Engagement - Philanthropy: Supports social causes through its corporate foundation and initiatives like the CVTC (Contribution Volontaire sur les Transactions de Change), which contributes to international solidarity projects[2].