{"id":21502,"date":"2026-03-17T16:39:57","date_gmt":"2026-03-17T16:39:57","guid":{"rendered":"https:\/\/eavest.fr\/?post_type=eavestpedia&p=21502"},"modified":"2026-03-24T09:32:11","modified_gmt":"2026-03-24T09:32:11","slug":"cic","status":"publish","type":"eavestpedia","link":"https:\/\/eavest.fr\/en\/eavestpedia\/cic\/","title":{"rendered":"CIC"},"content":{"rendered":"

\"\"<\/p>\n

Le <\/span>Cr\u00e9dit <\/span>Industriel <\/span>et <\/span>Commercial (<\/span>CIC) <\/span>est <\/span>une <\/span>banque <\/span>fran\u00e7aise <\/span>fond\u00e9e <\/span>en <\/span>1859 <\/span>et <\/span>dont <\/span>le <\/span>si\u00e8ge <\/span>est <\/span>situ\u00e9 <\/span>\u00e0 <\/span>Paris. <\/span>Il <\/span>s\u2019agit <\/span>de <\/span>l\u2019une <\/span>des <\/span>plus <\/span>anciennes <\/span>banques <\/span>de <\/span>d\u00e9p\u00f4ts <\/span>en <\/span>France. <\/span>Depuis <\/span>1998, <\/span>le <\/span>CIC <\/span>appartient <\/span>au <\/span>groupe <\/span>Cr\u00e9dit Mutuel<\/span><\/span>, <\/span>l\u2019un <\/span>des <\/span>principaux <\/span>groupes <\/span>bancaires <\/span>fran\u00e7ais. <\/span>La <\/span>banque <\/span>propose <\/span>une <\/span>large <\/span>gamme <\/span>de <\/span>services <\/span>financiers <\/span>destin\u00e9s <\/span>aux <\/span>particuliers, <\/span>aux <\/span>professionnels, <\/span>aux <\/span>entreprises <\/span>et <\/span>aux <\/span>collectivit\u00e9s.<\/span><\/p>\n

Le <\/span>mod\u00e8le <\/span>\u00e9conomique <\/span>du <\/span>CIC <\/span>repose <\/span>principalement <\/span>sur <\/span>les <\/span>activit\u00e9s <\/span>de <\/span>banque <\/span>de <\/span>d\u00e9tail, <\/span>de <\/span>financement <\/span>des <\/span>entreprises, <\/span>de <\/span>banque <\/span>priv\u00e9e <\/span>et <\/span>de <\/span>services <\/span>financiers <\/span>sp\u00e9cialis\u00e9s. <\/span>\u00c0 <\/span>travers <\/span>son <\/span>r\u00e9seau <\/span>de <\/span>plusieurs <\/span>centaines <\/span>d\u2019agences <\/span>en <\/span>France, <\/span>la <\/span>banque <\/span>offre <\/span>des <\/span>solutions <\/span>de <\/span>financement, <\/span>d\u2019\u00e9pargne, <\/span>d\u2019assurance <\/span>et <\/span>de <\/span>gestion <\/span>de <\/span>patrimoine <\/span>adapt\u00e9es <\/span>aux <\/span>besoins <\/span>de <\/span>ses <\/span>clients <\/span>particuliers <\/span>et <\/span>professionnels.<\/span><\/p>\n

Le <\/span>CIC <\/span>joue <\/span>\u00e9galement <\/span>un <\/span>r\u00f4le <\/span>important <\/span>dans <\/span>le <\/span>financement <\/span>de <\/span>l\u2019\u00e9conomie <\/span>fran\u00e7aise, <\/span>notamment <\/span>en <\/span>accompagnant <\/span>les <\/span>entreprises <\/span>dans <\/span>leurs <\/span>projets <\/span>de <\/span>d\u00e9veloppement <\/span>et <\/span>d\u2019investissement. <\/span>Gr\u00e2ce <\/span>\u00e0 <\/span>son <\/span>appartenance <\/span>au <\/span>groupe <\/span>Cr\u00e9dit <\/span>Mutuel <\/span>et <\/span>\u00e0 <\/span>sa <\/span>pr\u00e9sence <\/span>territoriale <\/span>forte, <\/span>la <\/span>banque <\/span>s\u2019appuie <\/span>sur <\/span>un <\/span>mod\u00e8le <\/span>de <\/span>proximit\u00e9 <\/span>avec <\/span>ses <\/span>clients <\/span>tout <\/span>en <\/span>b\u00e9n\u00e9ficiant <\/span>de <\/span>la <\/span>solidit\u00e9 <\/span>financi\u00e8re <\/span>et <\/span>de <\/span>l\u2019expertise <\/span>d\u2019un <\/span>grand <\/span>groupe <\/span>bancaire.<\/span><\/p>\n

 <\/p>\n

NOTATION<\/span><\/strong><\/span> FINANCI\u00c8RE DE L’\u00c9METTEUR<\/span>\u00a0<\/strong><\/span><\/h3>\n

NOTATION AGENCES<\/strong><\/p>\n

Standard & Poor’s : A+
\nMoody’s : A1
\nFitch : AA-<\/p>\n

CREDIT DEFAULT SWAP (CDS)<\/strong><\/p>\n

CDS-5A CIC : 47,76<\/strong><\/p>\n

11\/03\/2026<\/strong><\/p>\n

\n

\u00a0<\/strong><\/span>PROGRAMME(S) D\u2019EMISSION(S) DE LA BANQUE EMETTRICE<\/b><\/p>\n

\u00a0<\/i><\/div>\n
Une Termsheet Indicative de produit structur\u00e9 doit \u00eatre lue conjointement avec le\u00a0Programme d\u2019\u00e9mission<\/u>\u00a0de la banque \u00e9mettrice.<\/i><\/div>\n
\u00a0<\/i><\/div>\n
Aussi nous vous conseillons de lire le Programme et les Conditions Financi\u00e8res applicables pour conna\u00eetre les termes et conditions d\u00e9finitifs ainsi que pour avoir une description <\/i>des risques associ\u00e9s du produit structur\u00e9.<\/i><\/div>\n
\n

Veuillez cliquer ici<\/a> <\/span>pour consulter le(s) programme(s) d\u2019\u00e9mission<\/i><\/p>\n<\/div>\n

\n

\"\"\u00a0 Avertissement :\u00a0<\/strong><\/span><\/p>\n

Les donn\u00e9es chiffr\u00e9es utilis\u00e9es dans ces illustrations n\u2019ont qu\u2019une valeur indicative et informative, l\u2019objectif \u00e9tant de d\u00e9crire le m\u00e9canisme du produit. Elles ne pr\u00e9jugent en rien des r\u00e9sultats futurs.<\/p>\n

Ce titre risqu\u00e9 est une alternative \u00e0 un investissement dynamique risqu\u00e9 de type actions.<\/p>\n

L\u2019investisseur prend un risque de perte en capital partielle ou totale non mesurable a priori si le titre est revendu avant la date d\u2019\u00e9ch\u00e9ance ou la date de remboursement automatique anticip\u00e9 effective.<\/p>\n

\n

 <\/p>\n

\"D\u00e9couvrez<\/p>\n

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