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Banking and finance news

Banks Banque de France opens "Espace dirigeant The Banque de France has recently launched a new free, personal, secure service for company directors, accessible 24 hours a day.
Professionals Banque de France revises its growth forecast for late 2023 Gross domestic product (GDP) is set to rise by 0.2% in the final quarter of 2023, according to Banque de France forecasts.
Banks Banks and artificial intelligence together against fraud Faced with new threats, banks are adapting and making massive use of artificial intelligence tools.
Banks Banque de France tests its climate indicator with companies This year, several hundred companies are testing a climate indicator proposed by the Banque de France.
VSE/SME Declining access to credit for VSEs: SDI proposes 3 solutions to reverse the situation Households are not the only ones having difficulty financing their projects. The bank credit acceptance rate for very small businesses has been falling since last year.
SMES Payment terms for SMEs continue to fall The latest report from the Observatoire des délais de paiement shows that, in 2022, payment times have started to fall again, despite supply tensions and the return of...
VSE/SME VSE/SMEs remain concerned about repayment of their EMPs Despite the easing of repayment conditions for state-guaranteed loans, business leaders fear they may find themselves in financial difficulty.
VSE/SME GDP growth forecasts revised upwards In its latest monthly survey, the Banque de France forecasts French GDP growth of 0.2% in Q1 2023.
Individuals Mortgages: monthly usury rates from February 1 The French Ministry of the Economy has approved the monthly adjustment of the usury rate, which has until now been revised quarterly. This is a temporary measure to adapt to rising interest rates...
VSE/SME Banks optimistic about resilient VSE/SME activity Reassured by the resilience of their businesses, banks show a certain optimism despite the fears of VSEs and SMEs for 2023.
VSE/SME Corporate profit margins eroded by inflation Corporate profit margins are down slightly on 2021, when they reached 34% of value added.
Individuals Associations report worsening household finances Inflation and the energy crisis are making households more vulnerable, and more and more of them are turning to food aid.
VSE/SME Bank credit up again for businesses Outstanding loans to businesses rose by 8.6% year-on-year, a trend that was even more marked for large companies.
Banks Central bank communication in support of monetary policy In recent years, central banks' communications strategy has evolved considerably, particularly with regard to the general public.
Individuals Financial difficulties: the Banque de France answers 3414 The Banque de France's telephone information services have been centralized into a single national number, 3414.
Banks 60% of banknotes issued in France are held abroad A recent study by the Banque de France reveals that more than half of all banknotes issued in France circulate outside the country.
Banks ATMs: banks speed up rationalization of their ATM fleets BNP Paribas, Crédit Mutuel and Société Générale, which announced the pooling of their ATMs a year ago, are putting their plan into action.
Banks Bank charges: how will they change in 2022? In France, bank charges have remained stable overall this year, as shown by the latest report published on October 12 by the Observatoire des tarifs bancaires (OTB).
Banks The usury rate weighs on consumer credit The usury rate is being criticized not only by mortgage professionals, but also by consumer credit specialists.
Individuals Livret A: no rate increase on November 1 despite high inflation There will be no boost for Livret A holders. At least not yet.
Banks Currency shortage: Crédit Agricole Val de France blames the Banque de France The Banque de France denies having been responsible for a "currency shortage", as indicated on a Crédit Agricole Val de France poster.
Banks Banks: back-to-school hot topics The back-to-school season promises to be a busy one for banks, who face a number of challenges in a turbulent environment.
Individuals Bercy calls on banks to curb interest rate rises The French Ministry of the Economy and Finance has asked banks to curb the rise in mortgage interest rates.
Individuals Livret A: another rate increase expected in February 2023 Given rising inflation and higher interbank rates, the Livret A rate is set to rise again in 2023.
Individuals Banking incident charges fall for vulnerable customers The average annual bank charges for the most vulnerable customers fell by 17% in 2021, according to the latest report from the Banking Inclusion Observatory.
Banks Credit: the usury rate poses a problem for local authorities Some local authorities have recently had their loan applications rejected because of the usury rate set by the Banque de France.
Individuals Towards a Livret A interest rate of 2% this summer? The Banque de France is due to recalculate the Livret A interest rate on July 15. In view of inflation, this could rise to 2%.
SMALL BUSINESSES A new presidential term in an uncertain economic climate As Emmanuel Macron prepares to begin his second term in office, France's economic situation appears highly uncertain. We take a closer look.
Banks Banque de France to strengthen security of bank cheques The Banque de France has decided to reinforce the security of bank cheques, considered to be the most fraudulent means of payment in 2020.
Banks Banque de France aims to speed up use of instant transfers The Banque de France has decided to promote the use of instant transfers, which are developing too slowly in France despite some progress.
Individuals Banking: Russian nationals in France penalized Since the start of the war in Ukraine, international sanctions have become increasingly severe, penalizing many Russian nationals abroad.
Individuals The right to a bank account simplified from June 13 Individuals who are refused a bank account will soon be able to take their case to the Banque de France more quickly to assert their right to a bank account.
Banks Right to an account: a decree will simplify the procedure The right-to-account procedure, considered too complex and time-consuming, will be simplified by a decree expected in mid-March.
SMALL BUSINESSES Supply: companies hope for an improvement by the end of 2022 Companies are facing supply difficulties. Some 75% are hoping for an improvement by the end of 2022.
Individuals Bankcard fraud rate down in 2021 After three years of steady rise, the bankcard fraud rate fell in 2021. Read more.
VSE/SME Companies in difficulty will be able to repay their PGE over 10 years Companies experiencing difficulties in repaying their PGEs will be able to request that their monthly payments be spread over a 10-year period.
Individuals Livret A rate to rise to 1% on February 1 From February 1, the Livret A rate will rise from 0.5% to 1%. The government has chosen to go beyond the expected increase. Find out more.
VSE/SME Businesses: Banque de France adopts new rating scale The Banque de France has adopted a new rating scale for assessing the financial health of companies. What does this mean?
Individuals Livret A: why households continue to prefer risk-free savings Even before the start of the health crisis, the French preferred risk-free savings. This trend is set to continue in 2022.
Individuals Financial literacy: where do the French stand? A recent study by the Banque de France shows that one in four French people consider their financial knowledge to be insufficient.
Banks Covid and surplus savings: the 5 favorite investments of the French The French have accumulated considerable surplus savings since the start of the health crisis. Which investments have been their favorites?
Banks Cheque pricing: the Paris Court of Appeal rules in favor of the banks For several years now, the French Competition Authority and a dozen banks have been locked in a legal tug-of-war over the EIC affair.
Banks Bank charges: increases expected to remain below inflation in 2022 After a relatively stable 2021, bank charges are set to rise in 2022, albeit in moderate proportions.
Banks Livret A rate: a costly increase is likely for banks Due to rising inflation, the Livret A rate is likely to be increased. A decision that would cost banks dearly.
Individuals Cheque fraud on the rise over the festive season During the festive season, cheque fraud is on the increase. The Banque de France reminds us of the best practices to avoid them.
Banks Environment: unsustainable investments by central banks Despite the rules they impose on private players, central banks continue to invest in polluting projects.
Individuals Covid-19: what impact on the life insurance market? Life insurance broke all records in 2021, achieving total inflows of almost 100 billion euros in the first eight months of the year.
Banks Bank charges: little noticeable change in 2021 Bank charges have remained stable in 2021, as shown by a report from the Observatoire des tarifs bancaires. Here's a detailed review.
VSE/SME PGE: 0.6% of beneficiaries have defaulted Only 3,944 of the 650,836 companies with an EMP are currently the subject of legal proceedings for non-payment. Insights.
Banks Banque de France urges banks to collaborate with fintechs Financial regulators and the government have insisted on the need for banks to collaborate with fintechs. Read on.
Individuals Identity theft: how to get out of this fraud? Identity theft is a vicious circle from which it is difficult to escape. The number of people who fall victim to it is rising at an alarming rate. How can you get out of it?
Banks Three banks consider pooling their ATMs The three banks Société Générale, BNP Paribas and Crédit Mutuel are considering pooling their ATMs.
Bank Watch Business activity down 5% in March compared with pre-crisis levels No major downturn, no real improvement: that's what the Banque de France has to say about economic activity in March.
Bank Watch Covid-19: why very small businesses have become bad payers The BVA Institute's quarterly barometer reveals that many SMEs have extended their payment terms as a result of the crisis.