--- title: "Cofidis SWIFT/BIC code CFFIFR21XXX · France | Elucidate" description: "Significant institution directly supervised by the ECB. SWIFT/BIC code CFFIFR21XXX for Cofidis, France. Head-office BIC, LEI 969500EJMFFRSWFDJG41." url: https://elucidate.co/directory/cofidis-cffifr21 --- 1. [Directory](https://elucidate.co/directory) 2. [France](https://elucidate.co/directory/country/fr) 3. Cofidis ![Cofidis logo](https://elucidate.co/images/banks/fe/fe3e6634a16bf717.webp) France · Credit institution # Cofidis Cofidis is a French société anonyme with a management board and a supervisory board, headquartered in Villeneuve-d'Ascq. It is authorised as a specialised credit institution and supervised by the Autorité de Contrôle Prudentiel et de Résolution. Cofidis Group holds 99.99% of its capital, and Crédit Mutuel Alliance Fédérale holds 99.99% of Cofidis Group. The bank provides consumer credit, personal loans, revolving credit, payment instruments and insurance brokerage. It operates in France and through branches in Spain, Portugal, Italy, Hungary, Poland and Slovakia. It absorbed the Italian company Cofidis S.p.A. by cross-border merger on 1 January 2023. It acquired Magyar Cetelem Bank Zrt on 30 September 2024. ECB · Single Supervisory Mechanism Directly supervised by the ECB Total assets EUR 500–1,000 bn Group: Confédération Nationale du Crédit Mutuel BIC **CFFIFR21XXX** LEI **[969500EJMFFRSWFDJG41](https://search.gleif.org/#/record/969500EJMFFRSWFDJG41)** Licence no. **Not on a tracked register** Passive participant (no connection) [ECB significant institution](https://elucidate.co/directory/cofidis-cffifr21#regulatory) Head-office BIC only [Group: Confederation Nationale Credit Mutuel](https://elucidate.co/directory/group/9695000CG7B84NLR5984) [Claim this profile](https://elucidate.co/directory/cofidis-cffifr21#claim) ## Licences and registrations Matched by LEI on the 22 tracked registers None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see [Regulatory status](https://elucidate.co/directory/cofidis-cffifr21#regulatory)): that is banking supervision, not a licence on a tracked register. - The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked. ## Regulatory status ### ECB banking supervision List of supervised entities as of 2026-07-01 - **Classification:** Significant institution - **Supervisor:** European Central Bank (direct supervision) - **Listed as:** Cofidis - **Entity type:** Credit institution - **Supervised group (ECB):** Confédération Nationale du Crédit Mutuel - **Why significant:** Size (Total assets EUR 500-1,000 bn) ## European registers ### ECB · monetary financial institutions List as at 2026-09-25 - **Category:** Credit institution - **Minimum reserves:** Subject to minimum reserves - **Listed as:** Cofidis - **RIAD code:** FR14940 Entries are matched on the LEI. Each register is quoted as its publisher lists it. ## Swift network Swift’s ISO 9362 BIC directory - **BIC:** CFFIFR21XXX head office - **Connection to Swift:** Passive participant (no connection) - **Swift GPI:** Not on the member list - **Payment schemes and systems:** [SCT · SCT Inst · SDD Core · SDD B2B · VOP · TIPS](https://elucidate.co/directory/cofidis-cffifr21#schemes) - **Branch codes:** None: head-office BIC only - **BIC first registered:** 2012-02-04 - **Last updated:** 2024-04-11 ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/cofidis-cffifr21#overview-sources) Total assets EUR 15.4bn This entity · 31 Dec 2024 · [annual report ↗](https://www.pappers.fr/entreprise/cofidis-325307106/comptes/COFIDIS%20-%20Comptes%20sociaux%202024%2016-06-2025.pdf) Employees 4,135 headcount · This entity · 31 Dec 2024 · [annual report ↗](https://www.pappers.fr/entreprise/cofidis-325307106/comptes/COFIDIS%20-%20Comptes%20sociaux%202024%2016-06-2025.pdf) Ownership Group subsidiary 99.99% Cofidis Group Institution type Other Trades as Cofidis - **Ownership:** Cofidis Group holds 99.99% of the bank, and Crédit Mutuel Alliance Fédérale holds 99.99% of Cofidis Group. - **Direct parent:** [Cofidis Group ↗](https://search.gleif.org/#/record/969500WG4PW2O28P5546), France 99.99% - **Ultimate owner:** Confédération Nationale du Crédit Mutuel, France - **Head office:** Parc de la Haute Borne, 61 avenue Halley, 59866 Villeneuve-d'Ascq, France - **Company register:** RCS Lille Métropole 325 307 106 ### Business lines - Consumer finance - Cards - Insurance - Leasing & factoring The bank sells consumer credit, personal loans and loan consolidation mainly at a distance and through merchant partners, and it brokers insurance. Its Portuguese, Hungarian and Polish branches also offer leasing. ### Online - **Websites & references:** [cofidis.fr ↗](https://www.cofidis.fr/) [cofidis-group.com ↗](https://www.cofidis-group.com/) Group corporate site of the parent Cofidis Group [cofidis-business-solutions.fr ↗](https://www.cofidis-business-solutions.fr/) Site for merchant partners offering instalment payments [cofidis.es ↗](https://www.cofidis.es/) Spanish branch site [cofidis.pt ↗](https://cofidis.pt/) Portuguese branch site [cofidis.it ↗](https://cofidis.it/) Italian branch site [cofidis.pl ↗](https://www.cofidis.pl/) Polish branch site [cofidis.sk ↗](https://www.cofidis.sk/) Slovak branch site [Wikidata Q1106920 ↗](https://www.wikidata.org/wiki/Q1106920) - **Official social accounts:** [X ↗](https://x.com/Cofidis) · [Facebook ↗](https://www.facebook.com/cofidis/) · [Instagram ↗](https://www.instagram.com/cofidis/) · [YouTube ↗](https://www.youtube.com/user/Cofidis) · [Facebook Messenger ↗](https://www.m.me/cofidis) Sources · 10 pages consulted 1. [cofidis.fr](https://www.cofidis.fr/) 2. [cofidis.fr/fr/infos\_legales.html](https://www.cofidis.fr/fr/infos_legales.html) 3. [cofidis.fr/fr/decouvrir-cofidis/actu-presse/cofidis-sur-les-reseaux-sociaux.html](https://www.cofidis.fr/fr/decouvrir-cofidis/actu-presse/cofidis-sur-les-reseaux-sociaux.html) 4. [pappers.fr/entreprise/cofidis-325307106/comptes/COFIDIS%20-%20Comptes%20sociaux%202024%2016-06-2025.](https://www.pappers.fr/entreprise/cofidis-325307106/comptes/COFIDIS%20-%20Comptes%20sociaux%202024%2016-06-2025.pdf) 5. [cofidis-group.com/en/our-governance/](https://www.cofidis-group.com/en/our-governance/) 6. [cofidis-group.com/en/cofidis-group-at-a-glance/](https://www.cofidis-group.com/en/cofidis-group-at-a-glance/) 7. [cofidis-group.com/wp-content/uploads/2025/06/CP-Cofidis-Group-fait-evoluer-sa-gouvernance-et-nomme-Nicolas-](https://www.cofidis-group.com/wp-content/uploads/2025/06/CP-Cofidis-Group-fait-evoluer-sa-gouvernance-et-nomme-Nicolas-Wallaert-Directeur-General.pdf) 8. [pappers.fr/entreprise/cofidis-325307106](https://www.pappers.fr/entreprise/cofidis-325307106) 9. [societe.com/societe/cofidis-325307106.html](https://www.societe.com/societe/cofidis-325307106.html) 10. [cofidis-group.com/rapport-impact-performance-2025/](https://www.cofidis-group.com/rapport-impact-performance-2025/) ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/cofidis-cffifr21#overview-sources) - **Chief executive:** Gilles Sauret Président du Directoire (Chairman of the Management Board) Confirmed 29 Sep 2026 · [pappers.fr ↗](https://www.pappers.fr/entreprise/cofidis-325307106) - **Chair:** ![Daniel Baal](https://elucidate.co/images/banks/a0/a06b958b28ad12d5.webp) Daniel Baal Président du Conseil de surveillance (Chairman of the Supervisory Board) Confirmed 29 Sep 2026 · [cofidis-group.com ↗](https://www.cofidis-group.com/en/our-governance/) - **Chief financial officer:** ![Vincent Laurin](https://elucidate.co/images/banks/40/40e53952b26fc52a.webp) Vincent Laurin Membre du Directoire; Chief Financial, Risk and Legal Officer (Cofidis Group) Confirmed 29 Sep 2026 · [cofidis-group.com ↗](https://www.cofidis-group.com/en/our-governance/) - **Executive:** Nicolas Wallaert Directeur général et membre du Directoire Confirmed 29 Sep 2026 · [pappers.fr ↗](https://www.pappers.fr/entreprise/cofidis-325307106) ## Supervisors & regulators Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/cofidis-cffifr21#overview-sources) - **European Union:** European Central Bank (Single Supervisory Mechanism) Prudential supervisor - **France:** Autorité de Contrôle Prudentiel et de Résolution (ACPR) Prudential supervisor AML supervisor Conduct Resolution ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/cofidis-cffifr21#overview-sources) 1. Mar 2026 Leadership The supervisory board noted the resignations of Isabelle Chevelard and Vice-Chairman Alexandre Saada. It appointed Isabelle Ferrand as a member and Marie-Laure Barthélemy as Vice-Chair. [societe.com ↗](https://www.societe.com/societe/cofidis-325307106.html) 2. May 2025 Leadership The supervisory board appointed Nicolas Wallaert Directeur général of the management board. He also became Chief Executive Officer of Cofidis Group from 1 August 2025. [cofidis-group.com ↗](https://www.cofidis-group.com/wp-content/uploads/2025/06/CP-Cofidis-Group-fait-evoluer-sa-gouvernance-et-nomme-Nicolas-Wallaert-Directeur-General.pdf) 3. Sep 2024 Merger / acquisition The bank acquired 100% of Magyar Cetelem Bank Zrt, the former Hungarian subsidiary of BNP Paribas Personal Finance, on 30 September 2024. [pappers.fr ↗](https://www.pappers.fr/entreprise/cofidis-325307106/comptes/COFIDIS%20-%20Comptes%20sociaux%202024%2016-06-2025.pdf) 4. Jun 2024 Leadership Thierry Vittu left the management board, according to a notice published in the BODACC. [pappers.fr ↗](https://www.pappers.fr/entreprise/cofidis-325307106) 5. Jan 2024 Merger / acquisition The bank acquired all the capital of Carizy, an online platform for used-car sales, on 31 January 2024. [pappers.fr ↗](https://www.pappers.fr/entreprise/cofidis-325307106/comptes/COFIDIS%20-%20Comptes%20sociaux%202024%2016-06-2025.pdf) Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source. ## Identifiers Head-office record - **BIC:** CFFIFR21XXX - **How the BIC breaks down:** 1. CFFI Bank 2. FR Country · France 3. 21 Location · passive 4. XXX Branch · head office - **Branch description:** Not recorded in the directory - **LEI:** 969500EJMFFRSWFDJG41 - **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/969500EJMFFRSWFDJG41) - **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file. - **National bank code:** [Code interbancaire (CIB) 14940](https://elucidate.co/directory/cofidis-cffifr21#bank-codes) ## Profile - **Type:** Credit institution - **Regulation:** Prudentially supervised (ECB list) - **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked. - **Country · region:** France · Europe & Central Asia - **Banking supervision:** [Significant · supervised by the ECB](https://elucidate.co/directory/cofidis-cffifr21#regulatory) as of 2026-07-01 - **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17 - **OFAC sanctions:** No listing cites this BIC - **EU sanctions:** No listing matched this BIC or its LEI - **Country sanctions:** No country programme - **Founded:** 1982 Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet. ## Ownership and group GLEIF relationship records - **Direct parent:** Cofidis Group · France[969500WG4PW2O28P5546 ↗](https://search.gleif.org/#/record/969500WG4PW2O28P5546) - **Ultimate parent:** Confederation Nationale Credit Mutuel · France[9695000CG7B84NLR5984 ↗](https://search.gleif.org/#/record/9695000CG7B84NLR5984) The Confederation Nationale Credit Mutuel group has 41 institutions in the directory, in 13 countries: 38 hold a BIC and 3 do not. Including [Credit Mutuel Arkea](https://elucidate.co/directory/credit-mutuel-arkea-cmbrfr2b), [Banque Federative du Credit Mutuel](https://elucidate.co/directory/banque-federative-du-credit-mutuel-cmcifrpa), [Banque Federative du Credit Mutuel](https://elucidate.co/directory/banque-federative-du-credit-mutuel-cmcifr2a), [Credit Industriel et Commercial](https://elucidate.co/directory/credit-industriel-et-commercial-cmcifrpp), [Credit Industriel et Commercial, New York Branch](https://elucidate.co/directory/credit-industriel-et-commercial-new-york-branch-cmcius33). [See the Confederation Nationale Credit Mutuel group →](https://elucidate.co/directory/group/9695000CG7B84NLR5984) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Addresses - **Registered address:** FRANCE - **Operational address:** 61 AVENUE HALLEY PARC DE LA HAUTE BORNE VILLENEUVE D'ASCQ 59866 VILLENEUVE D'ASCQ CEDEX FRANCE ## ISO 20022 identification As an agent in a Swift cross-border payment message (CBPR+) A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC. - **Identified by:** BIC, with its LEI - **Roles in CBPR+:** Debtor agent, creditor agent or an intermediary agent ### CBPR+ For cross-border payments on Swift: the BIC, with the LEI and clearing code where known ```xml CFFIFR21XXX 969500EJMFFRSWFDJG41 ``` ### Full record Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC ```xml CFFIFR21XXX 969500EJMFFRSWFDJG41 COFIDIS ``` This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent. The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use. ## Payment schemes and systems EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28 | Scheme or system | Since | Registered with | Note | | --- | --- | --- | --- | | SEPA Credit TransferISO 20022 messages | 2014-02-03 | Head office | — | | SEPA Instant Credit TransferISO 20022 messages | 2018-09-14 | Head office | — | | SEPA Direct Debit CoreISO 20022 messages | 2014-02-03 | Head office | — | | SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2015-09-07 | Head office | — | | Verification of Payee | 2025-10-09 | Head office | — | | TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — | SEPA dates are when the institution became ready for the scheme. TIPS entries have no joining date. An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro. “ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants. ## National bank codes ### Code interbancaire (CIB) · France 1 code | Code | Routes to BIC | Name in the national file | City | | --- | --- | --- | --- | | 14940 | CFFIFR21XXX | Cofidis | VILLENEUVE D ASCQ | Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page. ## Related institutions ### Subsidiaries in the directory - [COFIDIS a.s. No BIC Payments & e-money Prudential licence Czechia · Licensed by Czech National Bank · 27179907 (EBA-PSD2) · LEI 315700ZOGL1CABI3BW24](https://elucidate.co/directory/cofidis-a-s-ded873381df2) - [Cofidis S.A. Sucursal En Espana BIC CFFIESB2 Financial institution Not on a tracked register Spain · Not on a tracked register · LEI 959800N5JHERKXV3TU05](https://elucidate.co/directory/cofidis-s-a-sucursal-en-espana-cffiesb2) Entities that GLEIF records with this LEI as their direct parent. ### Same group - [Credit Mutuel Arkea BIC CMBRFR2B Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 96950041VJ1QP0B69503](https://elucidate.co/directory/credit-mutuel-arkea-cmbrfr2b) - [Banque Federative du Credit Mutuel BIC CMCIFRPA Credit institution Prudential licence France · On the ECB list of supervised entities · LEI VBHFXSYT7OG62HNT8T76](https://elucidate.co/directory/banque-federative-du-credit-mutuel-cmcifrpa) - [Banque Federative du Credit Mutuel BIC CMCIFR2A Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 969500CXBDY2KMHP0J53](https://elucidate.co/directory/banque-federative-du-credit-mutuel-cmcifr2a) - [Credit Industriel et Commercial BIC CMCIFRPP Credit institution Prudential licence France · On the ECB list of supervised entities · LEI N4JDFKKH2FTD8RKFXO39](https://elucidate.co/directory/credit-industriel-et-commercial-cmcifrpp) - [Federal Finance BIC FEFIFR21 Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 969500ZO0UK0ACQQHO98](https://elucidate.co/directory/federal-finance-fefifr21) - [Caisse Bretagne Credit Agricole Mutuel BIC CBCRFR21 Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 969500YOM7PBQMJLNE66](https://elucidate.co/directory/caisse-bretagne-credit-agricole-mutuel-cbcrfr21) - [Credit Foncier et Communal D'alsace et de Lorraine-Banque BIC CFCLFR21 Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 969500YEPXWE78XJIB31](https://elucidate.co/directory/credit-foncier-et-communal-d-alsace-et-de-lorraine-banque-cfclfr21) - [Factofrance BIC FACFFRPP Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 969500B8TW4VUQ7WKT96](https://elucidate.co/directory/factofrance-facffrpp) [All 41 institutions in the Confederation Nationale Credit Mutuel group →](https://elucidate.co/directory/group/9695000CG7B84NLR5984) ### Same name, different BIC - [Cofidis BIC CFFIPTP1 Financial institution Not on a tracked register Portugal · Not on a tracked register · LEI 984500ECA704DEB08695](https://elucidate.co/directory/cofidis-cffiptp1) - [Cofidis BIC CRFSFR21 Financial institution Not on a tracked register France · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/cofidis-crfsfr21) ### Largest institutions in France - [BNP Paribas BIC PARBFRP1 Financial institution Not on a tracked register France · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bnp-paribas-parbfrp1) - [Societe Generale BIC SOGEFRPP Credit institution Prudential licence France · On the FSB G-SIB list · No LEI mapped](https://elucidate.co/directory/societe-generale-sogefrpp) - [BNP Paribas BIC BNPAFRPP Credit institution Prudential licence France · On the ECB list of supervised entities · LEI R0MUWSFPU8MPRO8K5P83](https://elucidate.co/directory/bnp-paribas-bnpafrpp) - [Banque de France BIC BDFEFR2T Financial institution Not on a tracked register France · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/banque-de-france-bdfefr2t) - [BNP Paribas BIC PARBFRPP Financial institution Not on a tracked register France · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bnp-paribas-parbfrpp) - [Caceis Bank BIC ISAEFRPP Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 96950023SCR9X9F3L662](https://elucidate.co/directory/caceis-bank-isaefrpp) - [Credit Agricole SA BIC AGRIFRPP Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 969500TJ5KRTCJQWXH05](https://elucidate.co/directory/credit-agricole-sa-agrifrpp) - [Banque Federative du Credit Mutuel BIC CMCIFRP1 Financial institution Not on a tracked register France · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/banque-federative-du-credit-mutuel-cmcifrp1) [See every BIC in France →](https://elucidate.co/directory/country/fr#bics) Claim this profile ## Work at Cofidis? Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page. 1. 01 **Submit** Tell us who you are, using your work email. 2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days. 3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time. Sources & method Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name. Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists. The sanctions facts on this page cover the BIC and its LEI only. An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page. [Read the methodology →](https://elucidate.co/directory/methodology) Credits for this page - **Payment schemes and systems**—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of TIPS participants and reachable parties. - **Banking supervision**—Source: European Central Bank, list of supervised entities. - **Wikidata**—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts. - **National bank codes**—France (Source: ACPR – REGAFI). - **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI. - **Overview, leadership, regulators and events**—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source. - **European registers**—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Matched on LEI by Elucidate. - **Images**—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: Cofidis · Public domain · [Wikimedia Commons](https://commons.wikimedia.org/wiki/File:Logo_Cofidis_2026.svg) · [original](https://thumb.wikimedia.org/wikipedia/commons/thumb/f/fa/Logo_Cofidis_2026.svg/330px-Logo_Cofidis_2026.svg.png?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail); Daniel Baal: [cofidis-group.com](https://www.cofidis-group.com/en/our-governance/) (official website) · [original](https://www.cofidis-group.com/wp-content/uploads/2021/03/daniel-baal.jpg); Vincent Laurin: [cofidis-group.com](https://www.cofidis-group.com/en/our-governance/) (official website) · [original](https://www.cofidis-group.com/wp-content/uploads/2025/07/MR-LAURINIMG_505691134C-2048x2048.jpg). ## Assess the financial crime risk behind a BIC A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.