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Estat del projecte a gener de 2020


Què implica per Catalunya la nostra iniciativa?

"Teaser del projecte" redactat a Zàgreb (Croàcia)

PRESENTACIÓ DEL PROJECTE - desembre 2019

INFORME OFICIAL "White paper" - desembre 2019

Les implicacions per Catalunya, del projecte BANC ÈTIC, COOPERATIU i EUROPEU, amb seu a Lituània

Que la població catalana recuperi una SOBIRANIA FINANCERA perduda

Que Catalunya pugui encarar el seu futur amb la seguretat que un BANC ÉTIC i COOPERATIU es mantindrà fidel al país, llur teixit emprenedor i llurs classes baixa i mitjana

Que els mateixos titulars de comptes, estalviadors i receptors de finançament puguin participar via Assemblea General de Socis en la governança del "Capítol Català" del nostre banc

Que puguem tenir un BANC DE LA CULTURA CATALANA, qui finançarà projectes culturals econòmicament viables

Que tinguem una potent EINA DE FINANçAMENT per bastir tota la xarxa d'HABITATGE COOPERATIU i SOCIAL que les classes baixa i mitjana de Catalunya necessiten

Que els polígons industrials de Catalunya puguin finançar decididament els nous circuits curts d'autogeneració energètica que augmentin la competitivitat de les nostres PIMES

Que Catalunya pugui reequilibrar les desigualtats territorials, canalitzant importants finançaments cap a les comarques catalanes menys afavorides

Que els municipis de Catalunya disposin de línies de finançament específiques adreçades a la recuperació urbana

Resumint: Que l'estalvi generat a Catalunya treballi de veritat pels sectors que més ho necessiten, a Catalunya


EUROPEAN ETHICAL BANK powered by fintech (Teaser 1 del projecte, redactat el desembre de 2019 a Zàgreb -Croàcia- per la "Zadruga za eticno financiranje")

Who we are?

We are a group of organisations and professionals from different EU countries with cumulatively over 100 years of experience in ethical banking, social and solidarity economy models and cooperatives.

We want to create European Cooperative Society that will be creating and managing an European Ethical Bank based in Lithuania as a country with one of the most innovative and forward-thinking regulators in EU.

We are closely collaborating with sister project to set up similar continental-wide bank in South America.

What we want to do?

We want to create the first European Ethical Bank that would support:

a wide range of stakeholders in ethical and impact financing in acquiring the best possible technology and access to financial instruments in order to lower their cost of capital and transaction costs,
local community cooperatives and institutions in launching their own financial institutions and intermediaries and build local credit portfolios fintech companies creating innovative IT solutions dedicated to financial inclusion to get compliancy support in their development and access to the market depositors to transparently manage their funds in a bank that would support sustainable development and work actively to support and fund projects that are contributing to fulfilment of UN Social Development Goals.

Why do we want to do it?

The global financial crisis put under spotlight all deficiencies and weaknesses of the global economic model which was for decades focused only on short-term financial profitability. People demand more transparency, decentralisation and democratic participation in management of their own funds and resources. As society's expectations change, banks and financial institutions need to become transparent and clear about how their operations and services create value for their customers, clients, investors as well as for society in general.

Ethical banking takes that expectations to the very DNA of banking business and consequently to the core of the economical issues. Present ethical banking system that is logically embedded in local communities cannot achieve necessary economy of scale to compete for new technologies and cost of capital.

Therefore it is needed to create larger-scale ethical banks that would serve as a shared service centres for all different actors in the ecosystem of ethical and impact finance.

Those banks would also have a large role in the replication of the models to new geographic areas and would be able to support existing entities with good practices, newest technologies and shared funding and collaboration mechanisms.

What impact we expect to achieve?

An ethical bank is a bank concerned with the social and environmental impacts of its investments and loans.

We expect to create agile, innovative and flexible European Ethical Bank that will leverage and multiply invested capital by a factor of 10 in areas that are crucial for the development of ethical and sustainable economy:

Timeline: Jan-Dec 2020

  • quality education,
  • creative industry,
  • sustainable tourism,
  • social and sustainable housing,
  • urban renewal,
  • electromobility,
  • social inclusion,
  • health and quality of life,
  • ecological and sustainable agriculture,
  • renewable energy and energy efficiency,
  • circular economy,
  • new technologies and innovation.

We will also be able to support the development of new institutions in new geographies in EU and broader region.

WHAT WE NEED?

1. Setting up partnership structure for ECS.
Sign a Letter of Intent (LoI)
Express keen interest in the partnership with the ZEF for the establishment of a European Cooperative Society (ECS), whose main objective is to set up a specialised bank in Lithuania.
Timeline: Immediately

2. Costs of setting up an ECS, banking documentation, IT and legal costs of application for a banking license
Amount: 2.000.000 EUR -
max. 400.000 EUR per partner
Type: ECS Member shares
Timeline: Jan-Dec 2020

3. Capital for a specialised bank
Amount: 5.000.000 EUR +
min. 1.000.000 EUR per partner
Type: Bank shares
Timeline: Q3-2020

EUROPEAN ETHICAL BANK powered by fintech ("Presentació desembre 2019")

La Associacio per la nova CAIXA CATALANA, Cooperativa de Credit, participa des del minut 1 en el projecte que promou el nou BANC ETIC, COOPERATIU i EUROPEU, amb seu a Lituania

WHITE PAPER - december 2019


Informe oficial -White Paper- del BANC ETIC EUROPEU I EUROPEU, amb seu a Lituania, on hi participa l'Associacio per la nova CAIXA CATALANA, Cooperativa de Credit

Llegir la memòria complerta del projecte CAIXA CATALANA, Cooperativa de Crdit

Calendari d'activitats i presentacions de l'Associacio CAIXA CATALANA, Cooperativa de Credit