{"id":6455,"date":"2020-06-15T10:09:36","date_gmt":"2020-06-15T08:09:36","guid":{"rendered":"https:\/\/www.devlhon-consulting.com\/?p=6455"},"modified":"2020-06-15T10:09:36","modified_gmt":"2020-06-15T08:09:36","slug":"fact-checking-sur-la-profitabilite-des-banques-francaises","status":"publish","type":"post","link":"https:\/\/www.devlhon-consulting.com\/fr\/fact-checking-sur-la-profitabilite-des-banques-francaises\/","title":{"rendered":"Fact-checking sur la profitabilit\u00e9 des banques fran\u00e7aises"},"content":{"rendered":"<p>Alors que les premiers impacts de la crise pand\u00e9mique sur l\u2019activit\u00e9 des banques fran\u00e7aises commencent \u00e0 \u00eatre\u00a0chiffr\u00e9s\u00a0et se r\u00e9v\u00e8lent \u2013 sans surprise\u00a0! \u2013 tr\u00e8s\u00a0d\u00e9favorables, on entend encore une fois souligner partout que la faiblesse des taux d\u2019int\u00e9r\u00eat gr\u00e8ve s\u00e9rieusement la profitabilit\u00e9 des banques fran\u00e7aises. Pourtant, si l\u2019on examine leurs activit\u00e9s en 2019, on constate que ce ne sont pas les marges d\u2019int\u00e9r\u00eat qui ont baiss\u00e9 mais les commissions r\u00e9alis\u00e9es avec la client\u00e8le.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-6457 aligncenter\" src=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2020\/06\/article-15.06-300x88.jpg\" alt=\"\" width=\"661\" height=\"194\" srcset=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2020\/06\/article-15.06-300x88.jpg 300w, https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2020\/06\/article-15.06-768x225.jpg 768w, https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2020\/06\/article-15.06.jpg 1024w\" sizes=\"auto, (max-width: 661px) 100vw, 661px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>M\u00eame si la baisse continue des taux a eu un impact, notamment sur les cr\u00e9dits \u00e0 l\u2019habitat (-6% de marges d\u2019int\u00e9r\u00eat \u00e0 la Soci\u00e9t\u00e9 G\u00e9n\u00e9rale en 2019 par exemple), le tableau ci-dessus montre que les banques fran\u00e7aises ont su la surmonter. Et finalement, la baisse des commissions r\u00e9alis\u00e9es avec la client\u00e8le (\u00e0 laquelle seule BNP Paribas \u00e9chappe du fait de l\u2019internationalisation de ses activit\u00e9s) parait plus inqui\u00e9tante. Pour l\u2019expliquer, certains \u00e9tablissements invoquent leur engagement de mod\u00e9ration des frais bancaires pris fin 2018 dans le contexte des gilets jaunes. Il reste que la faible contribution des commissions au PNB est assez une sp\u00e9cificit\u00e9 fran\u00e7aise et que l\u2019\u00e9cart se creuse ainsi encore avec les \u00e9tablissements \u00e9trangers comparables, y compris \u00e0 l\u2019\u00e9chelle europ\u00e9enne.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-6456 aligncenter\" src=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2020\/06\/article-15.06.20-145x300.jpg\" alt=\"\" width=\"338\" height=\"699\" srcset=\"https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2020\/06\/article-15.06.20-145x300.jpg 145w, https:\/\/www.devlhon-consulting.com\/wp-content\/uploads\/2020\/06\/article-15.06.20.jpg 496w\" sizes=\"auto, (max-width: 338px) 100vw, 338px\" \/><\/p>\n<p>Cet \u00e9tat de fait renvoie \u00e0 une tarification mal ajust\u00e9e au co\u00fbt r\u00e9el et \u00e0 l\u2019utilit\u00e9 effective des services. Un point dont beaucoup d\u2019\u00e9tablissements fran\u00e7ais continuent \u00e0 ne pas vouloir du tout entendre parler cependant (la g\u00e9n\u00e9ralisation d\u2019une certaine obsession de la rentabilit\u00e9 imm\u00e9diate bloque \u00e0 cet \u00e9gard rapidement toute r\u00e9flexion) et un point sur lequel peu d\u2019avanc\u00e9es ont \u00e9t\u00e9 r\u00e9alis\u00e9es depuis au moins dix ans. Pour en arriver l\u00e0\u00a0!<\/p>\n<h5>Score Advisor<\/h5>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Alors que les premiers impacts de la crise pand\u00e9mique sur l\u2019activit\u00e9 des banques fran\u00e7aises commencent \u00e0 \u00eatre\u00a0chiffr\u00e9s\u00a0et se r\u00e9v\u00e8lent \u2013 sans surprise\u00a0! \u2013 tr\u00e8s\u00a0d\u00e9favorables, on entend encore une fois souligner partout que la faiblesse des taux d\u2019int\u00e9r\u00eat gr\u00e8ve s\u00e9rieusement la profitabilit\u00e9 des banques fran\u00e7aises. Pourtant, si l\u2019on examine leurs activit\u00e9s en 2019, on constate que [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":6361,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"seo_booster_metabox":"","footnotes":""},"categories":[47,137],"tags":[409,423,432],"class_list":["post-6455","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites-devlhon-consulting","category-article","tag-banques","tag-crise-sanitaire","tag-profitabilite-des-banques"],"amp_validity":null,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/6455","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/comments?post=6455"}],"version-history":[{"count":3,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/6455\/revisions"}],"predecessor-version":[{"id":6460,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/6455\/revisions\/6460"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/media\/6361"}],"wp:attachment":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/media?parent=6455"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/categories?post=6455"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/tags?post=6455"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}