 Credit institutions that are authorized to operate as banks in France and branches of credit institutions based in the European Economic Area are fully entitled to become members of the FBF, which is their professional body(1).Other ipso facto members include the central bodies of cooperative and mutual banking groups and the (AFB).The French Banking Federation (FBF) promotes the banking and financial services industries in the French, European and international markets, and sets out the industry's positions and proposals to officials and regulatory authorities in the fields of business and finance.