{"id":51218,"date":"2025-01-10T11:16:09","date_gmt":"2025-01-10T10:16:09","guid":{"rendered":"https:\/\/www.accuracy.com\/?p=51218"},"modified":"2025-03-07T11:21:30","modified_gmt":"2025-03-07T10:21:30","slug":"les-banques-sous-pression-pour-accelerer-les-fermetures-dagences-les-echos","status":"publish","type":"post","link":"https:\/\/www.accuracy.com\/fr\/les-banques-sous-pression-pour-accelerer-les-fermetures-dagences-les-echos\/","title":{"rendered":"Les banques sous pression pour acc\u00e9l\u00e9rer les fermetures d'agences - Les Echos"},"content":{"rendered":"

Bouscul\u00e9 par les banques en ligne et une conjoncture difficile, le secteur bancaire fran\u00e7ais est en pleine mutation. Les r\u00e9seaux des banques tricolores r\u00e9sistent cependant mieux que ceux de leurs voisines europ\u00e9ennes.<\/strong><\/p>\n

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Dans un environnement \u00e9conomique troubl\u00e9, les banques sont sous pression pour rationaliser leurs r\u00e9seaux. Alors qu'ils ont pouss\u00e9 comme des champignons dans les ann\u00e9es 2000 dans l'Hexagone, c'est un mouvement inverse de repli que l'on observe depuis plusieurs ann\u00e9es. La fr\u00e9quentation des agences baisse et la banque en ligne - moins co\u00fbteuse pour les \u00e9tablissements et davantage align\u00e9e sur les nouvelles attentes des clients - gagne du terrain.<\/div>\n<\/div>\n<\/div>\n
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\" La banque de d\u00e9tail en France traverse depuis deux ans une crise d'une rare violence, avec une marge d'int\u00e9r\u00eat (la diff\u00e9rence entre ce que leur co\u00fbte la ressource et le prix auquel elles peuvent pr\u00eater) qui a baiss\u00e9 de 30 \u00e0 60 % selon les banques sur la m\u00eame p\u00e9riode \"<\/em>, pointe\u00a0Nicolas Darbo<\/strong>, associ\u00e9 chez\u00a0Accuracy<\/strong>. Apr\u00e8s avoir \u00e9t\u00e9 p\u00e9nalis\u00e9es par la hausse des taux, les marges ont commenc\u00e9 \u00e0 se redresser, mais elles restent \u00e0 la merci d'une conjoncture d\u00e9grad\u00e9e.\u00a0\" En banque de d\u00e9tail, les acteurs traditionnels ont longtemps impos\u00e9 un mod\u00e8le de distribution quasi unique, avec un vaste r\u00e9seau physique, compl\u00e9t\u00e9, sous la pression des n\u00e9obanques, d'outils digitaux \"<\/em>, explique encore\u00a0Nicolas Darbo<\/strong>.\u00a0\" De ce point de vue, les banques traditionnelles fran\u00e7aises ont une particularit\u00e9. Depuis quinze ans, elles n'ont r\u00e9duit leur parc d'agences que de 15 \u00e0 20 % environ (soit 50 agences pour 100.000 habitants), contre 50 \u00e0 70 % dans la plupart des pays d'Europe (10 \u00e0 25 agences pour 100.000 habitants). \"<\/em><\/p>\n

Voir l'article complet ici<\/a>.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

Bouscul\u00e9 par les banques en ligne et une conjoncture difficile, le secteur bancaire fran\u00e7ais est en pleine mutation. Les r\u00e9seaux des banques tricolores r\u00e9sistent cependant mieux que ceux de leurs voisines europ\u00e9ennes. Dans un environnement \u00e9conomique troubl\u00e9, les banques sont sous pression pour rationaliser leurs r\u00e9seaux. Alors qu’ils ont pouss\u00e9 comme des champignons dans les […]<\/p>\n","protected":false},"author":38,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[113,316],"tags":[],"class_list":["post-51218","post","type-post","status-publish","format-standard","hentry","category-france","category-press"],"acf":[],"yoast_head":"\nLes banques sous pression pour acc\u00e9l\u00e9rer les fermetures d'agences - Les Echos - Accuracy<\/title>\n<meta name=\"description\" content=\"Bouscul\u00e9 par les banques en ligne et une conjoncture difficile, le secteur bancaire fran\u00e7ais est en pleine mutation. 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