{"id":3282,"date":"2025-04-01T16:35:47","date_gmt":"2025-04-01T09:35:47","guid":{"rendered":"https:\/\/www.eurogroupconsulting.com\/?p=3282"},"modified":"2025-12-03T22:27:37","modified_gmt":"2025-12-03T15:27:37","slug":"analyse-des-resultats-2024-des-banques-de-detail-en-france","status":"publish","type":"post","link":"https:\/\/www.eurogroupconsulting.com\/publications\/etudes\/analyse-des-resultats-2024-des-banques-de-detail-en-france","title":{"rendered":"Analyse des r\u00e9sultats 2024 des banques de d\u00e9tail en France"},"content":{"rendered":"\t\t
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Quel bilan tirer de l\u2019activit\u00e9 des banques de d\u00e9tail en France en 2024 ?<\/strong><\/p>

L\u2019\u00e9tat du march\u00e9 et la conjoncture affectent-il les banques de d\u00e9tail ?<\/strong><\/p>

Nos experts du\u00a0secteur<\/a>\u00a0vous proposent de d\u00e9couvrir, gr\u00e2ce \u00e0 cette \u00e9tude, les r\u00e9sultats financiers de l\u2019activit\u00e9 domestique et les performances des banques de d\u00e9tail des principaux groupes bancaires fran\u00e7ais :\u00a0BNP Paribas<\/a>,\u00a0Cr\u00e9dit Agricole<\/a>,\u00a0Soci\u00e9t\u00e9 G\u00e9n\u00e9rale<\/a>\u00a0et\u00a0BPCE<\/a>.<\/p>

Ces r\u00e9sultats ont \u00e9t\u00e9 analys\u00e9s selon plusieurs axes : l\u2019\u00e9tat du march\u00e9 et la conjoncture, la performance commerciale, le co\u00fbt du risque, la rentabilit\u00e9, la performance extra-financi\u00e8re et les macro-tendances attendues pour 2025.<\/p>

\u00a0<\/p>

Une analyse de la performance commerciale<\/b><\/h3>

\u00a0<\/p>

Apr\u00e8s le\u00a0choc brutal des taux\u00a0<\/b>pour contenir l\u2019inflation, la\u00a0d\u00e9tente post-2024 relance le cr\u00e9dit\u00a0<\/b>et rebat les cartes de la performance bancaire. Il est \u00e0 noter, \u00e0 partir de juin 2024, une production de nouveaux cr\u00e9dits en nette hausse, notamment \u00e0 partir du quatri\u00e8me trimestre 2024.<\/p>

Les dynamiques des quatre grands groupes bancaires analys\u00e9s, qui\u00a0repr\u00e9sentent 80% du total du bilan du secteur<\/strong>, sont\u00a0contrast\u00e9es en 2024<\/strong>\u00a0entre croissance du PNB et ma\u00eetrise des co\u00fbts, avec des trajectoires plus nuanc\u00e9es sur deux ans.<\/p>

L\u2019un des leviers utilis\u00e9s par ces \u00e9tablissements concerne le\u00a0d\u00e9veloppement de leurs commissions<\/strong>\u00a0pour compenser la pression sur la marge nette d\u2019int\u00e9r\u00eat, notamment\u00a0via<\/em>\u00a0les services premium, l\u2019assurance et la gestion de patrimoine. Il est \u00e9galement \u00e0 noter la forte croissance des d\u00e9p\u00f4ts hors bilan, le ralentissement du cr\u00e9dit habitat et des approches diff\u00e9renci\u00e9es dans la gestion de leur bilan.<\/p><\/div><\/div><\/div><\/div>

\u00a0<\/div>

Co\u00fbt du risque, rentabilit\u00e9 et performance financi\u00e8res
<\/strong><\/h3><\/div><\/div><\/div><\/div><\/div>

\u00a0<\/p>

Globalement, une\u00a0plus forte d\u00e9gradation du co\u00fbt du risque<\/strong>\u00a0est \u00e0 souligner pour BNP Paribas et Soci\u00e9t\u00e9 G\u00e9n\u00e9rale, tandis que BPCE et Cr\u00e9dit Agricole affichent de leurs c\u00f4t\u00e9s\u00a0une meilleure r\u00e9sistance<\/strong>.<\/p>

Ces r\u00e9sultats s\u2019alignent dans la tendance d\u2019une\u00a0performance de la banque de d\u00e9tail en France qui s\u2019est\u00a0globalement d\u00e9t\u00e9rior\u00e9e entre 2022 et 2024<\/strong>, en raison notamment de la pression sur les marges d\u2019int\u00e9r\u00eat et de l\u2019\u00e9volution du co\u00fbt du risque.<\/p>

Enfin, concernant la\u00a0performance extra-financi\u00e8re<\/strong>,\u00a0les\u00a0banques fran\u00e7aises sont plus engag\u00e9es<\/strong>\u00a0que la moyenne du secteur, privil\u00e9giant par exemple la r\u00e9duction de l\u2019empreinte carbone de leurs financements et l\u2019accompagnement des clients dans leur transition \u00e9nerg\u00e9tique (illustr\u00e9 par l\u2019ex\u00e9cution de la feuille de route NZBA avec des objectifs chiffr\u00e9s de r\u00e9duction des \u00e9missions carbone dans les secteurs cl\u00e9s et la r\u00e9duction du financement des \u00e9nergies fossiles d\u2019ici 2030).<\/p><\/div><\/div>

T\u00e9l\u00e9chargez notre \u00e9tude pour en savoir plus !<\/strong><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Quel bilan tirer de l\u2019activit\u00e9 des banques de d\u00e9tail en France en 2024 ? 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