Question 1

What is Cicobail?

Accepted Answer

Cicobail is a French specialized credit institution focused on leasing and credit-bail (lease financing) services. Based in Paris, the bank specializes in equipment leasing and real estate lease financing, serving corporate clients throughout France. In December 2010, Cicobail was acquired by Natixis through its subsidiary Natixis Lease, becoming part of the broader BPCE Group's leasing operations.

Question 2

When was Cicobail founded?

Accepted Answer

Cicobail was established as a specialized leasing institution and was authorized by French banking authorities on November 20, 2013. The institution was originally owned by Crédit Foncier de France (66%) and Banque Palatine (27%), both subsidiaries of BPCE Group. On December 31, 2010, Natixis finalized the acquisition of 99.91% of Cicobail's capital, integrating it into Natixis Lease's operations.

Question 3

Where is Cicobail headquartered?

Accepted Answer

Cicobail is headquartered in Paris, in the 13th arrondissement.

Question 4

Where does Cicobail operate?

Accepted Answer

Cicobail operates throughout France from its Paris headquarters, serving corporate clients across the country with lease financing solutions for equipment and real estate.

Question 5

What services does Cicobail offer?

Accepted Answer

Cicobail specializes in credit-bail (lease financing) services, providing both equipment leasing (crédit-bail mobilier) and real estate leasing (crédit-bail immobilier). The institution offers lease financing solutions with flexible payment structures including linear, degressive, seasonal, or stepped payment schedules. Services include lease-to-own arrangements where clients can purchase equipment or property at the end of the lease term through an option d'achat (purchase option).

Question 6

What makes Cicobail unique?

Accepted Answer

Cicobail operates as part of Natixis Lease, which became a leading player in the French real estate leasing market following the acquisition. The combined operation manages approximately €6.5 billion in assets with annual production exceeding €1 billion. As Cicobail has no dedicated personnel of its own, it operates as an integrated entity within the broader Natixis Lease and BPCE Group structure, benefiting from the group's extensive resources and expertise in specialized financing.

Question 7

What type of financial institution is Cicobail?

Accepted Answer

Cicobail is classified as a Credit Institution (CRDCREINS) under European Banking Authority regulations and operates as a specialized credit institution focused on leasing activities. It is supervised by the European Central Bank (ECB) and participates in the French Deposit Guarantee Fund (Fonds de Garantie des Dépôts et de Résolution - FGDR), which covers deposits up to €100,000 per depositor. In France, lease financing institutions like Cicobail are recognized as établissements de crédit spécialisés within the financial sector.

Cicobail

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About Cicobail in France