Agence France Locale
in France 🇫🇷
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About Agence France Locale in France
Agence France Locale (AFL) is France's only public development bank created entirely by and for local authorities. It is a unique municipal funding institution owned exclusively by French local government entities, including regions, departments, municipalities, and local public entities.
Operating as a cooperative banking model, AFL mutualizes the funding needs of its member local authorities to access capital markets at favorable rates, then redistributes these funds as loans exclusively to its member-shareholders. As of March 2024, AFL serves approximately 1,100 member local authorities representing about 25% of French local public debt.