These clients have seen their bill bank annual decline of 16% in one year with 255 euros of costs on average. But two banks have not implemented their commitments.
bank customers in a precarious financial situation have seen their costs decrease by 2019 thanks to their cap, according to the Bank of France, which has designated publicly BNP Paribas Meeting and Crédit du Nord for not having applied the commitments of the sector to customers fragile.
As 2018, the number of bank customers identified as "vulnerable financially" amounted to 3.4 million at the end of 2019, according to the annual report of the Observatory of banking inclusion (OIB), a unit of the Bank of France. These clients have seen their bill bank annual decline of 16% in one year with 255 euros of costs on average, compared with eur 304 in 2018, reports the OIB.
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They have also paid an average of 151 euros for costs incident to banking. In 2018, "the average amounts of fees, in the intervention and costs of rejection were high, for the customers who had paid, with respectively 140 and 210 euros", says the organization. This reduction of the invoice by the bank for the most vulnerable reflects "the effective implementation of the commitments for professionals in the field of caps on these charges," says t-it.
Under the pressure of the State, the banks were committed to limiting as early as 2019 costs incident to banking 25 euros per month for customers in fragile and € 20 per month and 200 euros per year for the beneficiaries of the specific offer, a basic banking service charged three euros per month, maximum. These caps have cost the major banking groups more than 400 million euros in 2019, says the OIB.
special Offer more visible
The report also confirms the take-off of the specific offer. By 2019, more than 512 000 customers fragile, that is, 15% of them, were beneficiaries of that offer basic bank, a figure up 33% compared to the previous year and 46% in two years.
Available from October 2014 for people in precarious financial situation, the specific offer has long been little called upon, mainly due to the lack of advertising done by the banks.
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But the trend is starting to reverse, under the combined pressure of the banking supervisor and the State in the past two years to better promote it.
The "client-specific offer" have paid an average of 69 € last year for incidents that banking and 139 euros in annual banking fees against 185 euros in 2018, the Bank of France.
Credit du Nord and BNP Paribas Meeting behind
which Is unprecedented, the bank of France has used this year to the technique of the "name and shame" (name and blame) against banking institutions not adhering to the commitments of the sector in the area. The 16 inspections carried out last year by the ACPR, the banking supervisor French, with establishments representing approximately 98% of the banking market ", confirms that the commitments are enforced by a very large majority" of them. But BNP Paribas Meeting and Crédit du Nord (a subsidiary of Société Générale) have revealed "devices still lag compared with commitments" by the industry and their parent companies, leading the BdF.
"mistakes quotes" have been identified, as well as "deficiencies" in respect of the cap of "all costs incident to banking" and on the detection of customers fragile, for lack of a "detection criteria more precise and more forward-looking, elaborates. "These two institutions have nonetheless undertaken some plans of remediation including, where necessary, a refund of fees not justified," she concludes.
A decree, announced in early June by Bruno Le Maire, has to harmonise the definition of customer fragile. So far their identification is based on a combination of objective factors - such as incidents of payment to rehearsal for three months, or a procedure of over-indebtedness is deemed admissible - and of criteria left to the discretion of the banks - such as the taking into account of the amount of income available and the level of expenditure.
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The decree foreseen, should be considered fragile financially a person who has experienced five incidents of banking in a month, which would make the cap of his banking fees for three months, said the minister of Economy.