All the questions which you may ask yourself about the Alsace Vosges Crédit Agricole
How is the Alsace Vosges Crédit Agricole different from another bank?
What is mutual banking? How does it work?
What is a Local Bank? What purpose does it serve?
The Local Bank is a cooperative business with variable capital and voluntary membership. Its status was approved by the Law of 1894.
This is the base structure for Crédit Agricole which regroups the members of a defined district. Its capital is composed of company shares purchased by the members. The latter approve the Local Bank business accounts and appoint their administrators who in turn are responsible for the management and events-planning.
Its secretary is often the Agency Manager or the head of a skill centre implanted in the district.
The Regional Bank is issued from Local Banks. It regroups and controls them.
What it does:
In practice, mutual banking works through concrete actions, calling upon people’s sense of solidarity and boosting its economic development and sales activities.
Reciprocal cooperation relying on three major aspects:closeness, responsibility and solidarity, led by voluntary and committed administrators.
Members and administrators guarantee permanent contact and are always present to listen to others. They support all local development initiatives.
• To think
It’s the backbone for developing any ideas likely to improve the local economic, social and cultural environment.
• To help
It guarantees the founding mutual values of the Alsace Vosges Crédit Agricole are used on a local level.
• To suggest
It encourages administrators’ initiatives to improve any services proposed to customers.
• To represent
The Local Bank represents the Alsace Vosges Crédit Agricole among its members. The Board of Directors represents the members with the Alsace Vosges Crédit Agricole and passes along any information provided by the former.
• To Decide
The Board of Directors decides whether or not to back local projects.
• Believing in the Crédit Agricole values
It promotes business interests, emphasizing the importance of mutual-minded ideas.
What do I have to do to become a member?
How do you become an administrator?
Les administrateurs représentent les sociétaires de la Caisse locale à laquelle ils sont affiliés au sein du Crédit Agricole.
Ils sont élus par les sociétaires durant les Assemblées générales de Caisses locales, clés d’un système mutualiste décentralisé. Pour être désigné comme administrateur, il faut d’abord être sociétaire.
Les administrateurs portent une importante responsabilité, celle de représenter les sociétaires et leur territoire. Ce sont des hommes et des femmes engagés dans l’animation locale, qui transmettent les informations de proximité auprès de la Caisse régionale. Ils forment un lien vivant entre les sociétaires et la Caisse régionale. Ce sont eux qui incarnent les Caisses Locales, et fondent la légitimité du Crédit Agricole.
I’m a student and would like to do an internship, can you give me some advice?
I’m looking for a job, can you help me?
I’m physically disabled and looking for a job, do you have any advice?
I represent an association, how do I know what the Alsace Vosges Crédit Agricole is really doing?
I am part of the ESAT (help through work services for disabled people), what can the Alsace Vosges Crédit Agricole do for me?
You can propose your subcontracting services or your partnership requests to our Disability Taskforce Unit of the Alsace Vosges Crédit Agricole Mrs. Astrid SAULA – +33 (0)3 88 25 45 91 – firstname.lastname@example.org
I’m not a farmer so what can the Alsace Vosges Crédit Agricole do for me?
Whether you are a private individual, an association, a professional or a business owner, the Alsace Vosges Crédit Agricole has a regional decision-taking centre, and can propose you a large range of solutions by also, if needed, relying of the expertise of the Group’s subsidiaries in the banking, insurance and real-estate sectors.
The Crédit Agricole Group is the leading financial partner to the French economy and one of the largest banking groups in Europe.
What does the Alsace Vosges Crédit Agricole do for sustainable development?
How are the Crédit Agricole Group and the Alsace Vosges Crédit Agricole connected?
Crédit Agricole S.A. is the backbone of the Group. It’s in charge of all shared Regional Bank services, notably the organisation of marketing, subsidiary management and international activities. It guarantees communications with the regulatory institutions.
The Regional Bank is an autonomous entity undertaking the professions of Banking and Insurance in its region. It’s a cooperative company whose social capital is mostly held by the Local Banks.
I’m going through some hard times, what can the Alsace Vosges Crédit Agricole do for me?
What are some of the community initiatives backed by the Alsace Vosges Crédit Agricole?
I’m young and want to choose a bank so why should I choose a mutual banking establishment like Alsace Vosges Crédit Agricole?
In an ever-changing world we undertake to assist you in your development, encourage your initiatives and make your projects come alive.
Our objective: to be even more efficient, more useful, more accessible and to constantly improve our service quality.
I have an account at the Alsace Vosges Crédit Agricole, am I a member?
Yes, if you also have company shares in a Local Bank. Capital investment products with very little risk and attractive interest rates (rates which members vote for each year during the General Meeting of their Local Bank).
A member is a partner: both a user and a co-owner.