CASDEN Banque Populaire

Born from the will of the teachers, created and managed by them, CASDEN Banque Populaire is the co-operative bank of the personnel of the State education, Research and the Culture. The CASDEN Banque Populaire belongs to CCOMCEN (Coordination committee of Works Mutualists and Co-operatives of State education).

The exact denomination of the bank is CASDEN Banque Populaire , it was created on January 8th, 1964.

According to its statutes, it is in particular governed by the law of the bearing September 10th, 1947 statute of the co-operation, the L-512-2 articles and following of the monetary and financial code.

The members can be

the people working in a public service, or concerning public corporation the minister of education main road, research, sports, culture, and their couple
the people working in the establishments of concerning public education other ministries and their couple and all other categories being able to be attached to state education and approved by the general meeting
associations, groupings, and generally all moral persons, legally consisted, whose activity is with the service of public education, or of its members, as well as the people employed by these organizations
the pensioners of the preceding categories

Bank with national competence, it tied a partnership with the Group Natexis - Banque Populaire, him so co-operative, in order to better serve its Sociétaire S.

The CASDEN Banque Populaire thus proposes receptions within its 106 Departmental Delegations animated by teaching colleagues and in the agencies of Banques Populaires Régionales where they find a reception personalized and a total answer to their banking needs.

The CASDEN Banque Populaire is also privileged partner of the great mutual insurance companies of State education, in particular MAIF, CAMIF and MGEN.

The CASDEN proposes primarily loans.

Loan CASDEN

The access terms and of rate are equal for all, subject being with state education. The majority of the loans are without mortgage.

In 2006, loans CASDEN are reserved for the Sociétaire S CASDEN, working for the French State education, having Points Solidarity and/or Privilégiés which one obtains thanks to accounts remunerated in points CASDEN.

The rate of the loans depends on the duration and the option. The option is green, blue, white or red, according to the ratio between the sum to be borrowed, and the number of points acquired/used for the credit.

For the loans with consumption, the expenses of files are offered.

The CASDEN in figures to the 31.12.05

496 Collaborators
205 Departmental Delegates
3.639 Correspondents of schools
1.341.023 Members of which 846.596 are also customers of a Banque Populaire.

Loans with the Members

209.126 Loans Consumption CASDEN for one incur of 1,2 billion euros.
115.778 Loans Real CASDEN for one incur of 5,1 billion euros.
208.388 Loans Mutualists Guaranteed for one incur of 6,9 billion euros.

Deposits of the Members

4,7 billion euros of deposits of the Members including 2,7 billion euros on line and 1,9 billion euros within the framework of the resources shared with Banques Populaires Regional.
599.337 Members have an Account on Booklet CASDEN of which 421.628 chose the Deposit Solidarity, an account not remunerated, but with a scale of Crédit even more advantageous.

Consolidated results

54,8 million euros of benefit,
8 billion euros of total assessment,
6,4 billion euros of engagements given,
1,04 billion euros of equities prudential Nets

Notation MOODY' S

On the long run: Aa3
On the short term: P-1

The Banque Populaire Group in figures to the 31.12.05

21 Banques Populaires
76 Companies of Mutual Guarantee
3.000.000 members
6.800.000 customers
45.500 collaborators
2.807 agencies in France
117 international establishments

See too

refer

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