Sicoob Norte Sul

Sicoob Norte Sul is a mutual credit cooperative (cooperativa de crédito mútuo) operating in the state of Bahia, Brazil. As part of the Sicoob System, the largest cooperative financial system in Brazil, it provides a complete portfolio of financial products and services with competitive rates to its member-owners (cooperados). The cooperative serves individuals, businesses, and agricultural producers across multiple municipalities in Bahia's Norte and Recôncavo regions.

Unlike traditional banks, Sicoob Norte Sul operates on cooperative principles where members are not just customers but owners of the institution. Members participate democratically in decision-making and share in the financial results distributed as surplus returns.