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Communal credit of Belgium


1860 - Creation of the Communal Credit of Belgium, charged to grant appropriations the communes for their investments. Limited company, the Communal Credit is a bank whose communes are shareholders.


Thus those which would like to borrow from it should take there actions for at least 5% of the amount of their loan

1947 - Development of a network of agencies to directly collect the saving near the public via notebooks of deposits.

In 1960, the network is professionnalisé, which will make it possible to diversify the operations and of fidéliser customers of private individuals, by widening the service and line of goods.

1960 - The network becomes professional.

1990 - Launching of the international expansion of the bank with the creation of International Cregem Bank in the Grand Duchy of Luxembourg, specialized in the management of fortune.

1991 - The Communal Credit continues its international expansion by taking 25% of the capital from the International Bank in Luxembourg (BIL), first bank of the Grand Duchy of Luxembourg.

At the beginning of 1992, the communal Credit goes up to 51% in the capital of the BIL.

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Local credit of France


1987 - Creation of the Local Credit of France which succeeds to the CAECL (Case of assistance to the equipment of the local communities), administrative publicly-owned establishment, managed by the Case of the deposits.


The Local Credit of France, specialized financial institution, will be able to thus meet the needs for the local communities which, become of the economic and major actors, make call as well as the companies, with the products and financial services offered on the markets


1990 - The Local Credit of France starts its international development. This one starts with the opening of an American branch, CLF New York Agency.


To continue this development on the European market, a first zone of action is determined, concerning Great Britain, Spain, Germany and Italy, then one second zone including Austria, Scandinavia and Portugal.


1991 - The Local Credit of France east placed on the Stock market. Thus, the shareholding of the Local Credit is divided into the State (25,5%), the Case of the deposits (25%), and the investors and particular French and foreign (49,5%).

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bank Belgian

The Kingdom of Belgium (in Dutch: Koninkrijk België; in German: Königreich Belgien) is a country of Western Europe having a common border with the Netherlands, Germany, France and Luxembourg. It is bordered in the North-West by the North Sea.


It is stretched on a distance of 318 kilometers between the Breakdown and Arlon. Belgium is member of the Benelux countries, of the European Union, of which it is one of the six countries founders and NATO.


Meet cultures Germanic and Latin, the country is divided culturally and linguistically. The two principal languages are Dutch, spoken by approximately 62% about the population (6,4 million speakers) in north in Flemish Area; and French, spoken by approximately 38% about the population (4,1 million speakers) in the south in Walloon Area but also in Area of Brussels (wedged in Flanders) where it is the language very definitely majority.


The Brussels capital, therefore especially inhabited by French-speaking people, has a bilingual statute. A German-speaking minority is also present in the East of the country: German is spoken per less than 1% about the Belgian population.


This linguistic diversity often causes political conflicts, which generated a complex system of governorship. In Antiquity, the Belgian people were composed of Gallo-Roman and Celtic tribes, that Jules César called Belgae. Gaule Belgium then occupied a vast territory limited by the Rhine to north and the east and concerning almost to the Seine to the south, thus including part of the Netherlands, Germany and France current.


At the end of the Middle Ages until the XVIIe century, the Netherlands of the South were an important industrial and cultural center. Since XVIe century until the creation of Belgium in 1830, this territory was also the place of many battles between the European powers.

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the Belgian population

The provinces represent an intermediate political level between the Area and the commune.


Belgium (apart from the area of Brussels which constitutes a provincial territory almost stripped of provincial institutions, except for a governor), is divided into ten provinces, which depend directly on the Areas:


Flemish provinces in French and Dutch (with chief towns between brackets): Areas and provinces of BelgiqueAnvers (Antwerp), Antwerpen (Antwerpen) Brabant-Fleming (Leuwen) - Vlaams the Brabant (Leuven) Flanders - Western (Bruges)-West-Vlaanderen (Brugge) Flanders-Eastern (Ghent) - Oost-Vlaanderen (Race) Limbourg (Hasselt) - Limburg (Hasselt) Walloon provinces in French and Dutch (with chief towns between brackets): Brabant-Walloon (Wavre) - Waals the Brabant (Waver) Hainaut (Mons) - Henegouwen (Bergen) Liege (Liege) - Luik (Luik) Luxembourg (Arlon) - Luxemburg (Aarlen) Namur (Namur) - Namen (Namen)

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