{"id":7372,"date":"2021-12-21T17:57:03","date_gmt":"2021-12-21T16:57:03","guid":{"rendered":"https:\/\/www.devlhon-consulting.com\/?p=7372"},"modified":"2021-12-21T17:57:03","modified_gmt":"2021-12-21T16:57:03","slug":"levolution-des-revenus-bancaires-par-classe-dage-et-ses-consequences","status":"publish","type":"post","link":"https:\/\/www.devlhon-consulting.com\/fr\/levolution-des-revenus-bancaires-par-classe-dage-et-ses-consequences\/","title":{"rendered":"L&rsquo;\u00e9volution des revenus bancaires par classe d&rsquo;\u00e2ge et ses cons\u00e9quences"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<span style=\"font-family: helvetica; font-size: 14pt;\">Dans sa<strong>\u00a0Global Banking Annual Review 2021<\/strong>, McKinsey fournit des donn\u00e9es sur l\u2019\u00e9volution des revenus par classes d\u2019\u00e2ge pour les banques dont nous ne connaissons pas l\u2019\u00e9quivalent pour la France mais dont on peut imaginer qu\u2019elles suivent les m\u00eames tendances, avec les m\u00eames cons\u00e9quences.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Selon McKinsey, on assiste depuis quinze ans \u00e0 un ph\u00e9nom\u00e8ne relativement nouveau\u00a0: les foyers les plus riches et ais\u00e9s \u2013 et non plus ceux de la classe moyenne \u2013 sont les plus rentables pour les banques.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">A l\u2019\u00e9chelle mondiale, on constate \u00e9galement que\u00a0<strong>les s\u00e9niors sont de plus en plus rentables<\/strong>. Ils le sont d\u00e9sormais nettement plus que les plus jeunes. Tandis que la contribution des 36-64 ans, traditionnellement la client\u00e8le de masse des banques de d\u00e9tail, se tasse :<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11021\" src=\"http:\/\/score-advisor.com\/wp-content\/uploads\/2021\/12\/mck-1.jpg\" sizes=\"auto, (max-width: 388px) 100vw, 388px\" srcset=\"https:\/\/score-advisor.com\/wp-content\/uploads\/2021\/12\/mck-1.jpg 388w, https:\/\/score-advisor.com\/wp-content\/uploads\/2021\/12\/mck-1-300x372.jpg 300w\" alt=\"\" width=\"388\" height=\"481\" \/><\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Ces donn\u00e9es, toutefois, sont globales et incluent des pays \u00e9mergents, comme l\u2019Inde, o\u00f9 40% des revenus bancaires sont procur\u00e9s par des hommes de moins de 40 ans.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Aux Etats-Unis et en Europe, les \u00e9volutions sont assez sensiblement diff\u00e9rentes\u00a0:<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11022\" src=\"http:\/\/score-advisor.com\/wp-content\/uploads\/2021\/12\/mck-3.png\" sizes=\"auto, (max-width: 461px) 100vw, 461px\" srcset=\"https:\/\/score-advisor.com\/wp-content\/uploads\/2021\/12\/mck-3.png 459w, https:\/\/score-advisor.com\/wp-content\/uploads\/2021\/12\/mck-3-300x317.png 300w\" alt=\"\" width=\"461\" height=\"488\" \/><\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Ici aussi, les s\u00e9nior et les foyers ais\u00e9s sont de plus en plus rentables. Tandis que \u2013 pour le dire brutalement \u2013\u00a0<strong>les classes moyennes s\u2019affaissent et les jeunes se paup\u00e9risent en partie<\/strong>.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Autre illustration, les variations de revenus bancaires selon les profils des consommateurs :<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-11023\" src=\"http:\/\/score-advisor.com\/wp-content\/uploads\/2021\/12\/mck-2.jpg\" sizes=\"auto, (max-width: 873px) 100vw, 873px\" srcset=\"https:\/\/score-advisor.com\/wp-content\/uploads\/2021\/12\/mck-2.jpg 873w, https:\/\/score-advisor.com\/wp-content\/uploads\/2021\/12\/mck-2-300x154.jpg 300w, https:\/\/score-advisor.com\/wp-content\/uploads\/2021\/12\/mck-2-768x393.jpg 768w, https:\/\/score-advisor.com\/wp-content\/uploads\/2021\/12\/mck-2-600x307.jpg 600w\" alt=\"\" width=\"873\" height=\"447\" \/><\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">La cl\u00e9 de ces constats est le cr\u00e9dit immobilier, d\u2019autant plus r\u00e9mun\u00e9rateur que les prix sont, comme \u00e0 New York, les plus \u00e9lev\u00e9s (le montant compense alors la faiblesse des taux), excluant d\u00e9sormais les classes moyennes.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Autant dire que, pour les banques, non seulement leur march\u00e9 se r\u00e9tr\u00e9cit mais leur mod\u00e8le \u00e9conomique de base, la banque de masse,\u00a0<strong>ne cr\u00e9e plus suffisamment de croissance<\/strong>.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Score Advisor<\/span>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Dans sa\u00a0Global Banking Annual Review 2021, McKinsey fournit des donn\u00e9es sur l\u2019\u00e9volution des revenus par classes d\u2019\u00e2ge pour les banques dont nous ne connaissons pas l\u2019\u00e9quivalent pour la France mais dont on peut imaginer qu\u2019elles suivent les m\u00eames tendances, avec les m\u00eames cons\u00e9quences. Selon McKinsey, on assiste depuis quinze ans \u00e0 un ph\u00e9nom\u00e8ne relativement nouveau\u00a0: [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":7373,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"seo_booster_metabox":"","footnotes":""},"categories":[47,137],"tags":[72,73,76,505],"class_list":["post-7372","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites-devlhon-consulting","category-article","tag-banque","tag-croissance","tag-devlhon-consulting","tag-revenu"],"amp_validity":null,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/7372","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\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/comments?post=7372"}],"version-history":[{"count":2,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/7372\/revisions"}],"predecessor-version":[{"id":7375,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/posts\/7372\/revisions\/7375"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/media\/7373"}],"wp:attachment":[{"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/media?parent=7372"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/categories?post=7372"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/fr\/wp-json\/wp\/v2\/tags?post=7372"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}