The 2013/04/01 at 07:51
2 billion euros. This is the total sum of loans granted by La Banque Postale in 2012 to enterprises, a clientele type whose role is growing in the establishment’s dealings. “This is a trend that is still little known, but we are increasingly becoming a privileged interlocutor for companies and organisations,” confides Serge Bayard, Social and Local Economy Manager.
The offer addressed at enterprises and local authorities has recently been enhanced. Until now, La Banque Postale has offered services in flows, electronic banking and social engineering. In September 2011, it obtained permission to deploy a credit offer, followed up by a swift and strong take-off of this activity. “From June 2012 onwards, we developed an offer aimed at social landlords and local authorities, to whom some 2.5 billion euros in loans were also granted last year,” specifies the Manager.
On top of the group’s 10.4 million individual clients, some 110,000 enterprises and 350,000 social-economy bodies today place their trust in La Banque Postale. More than ever, the establishment stands out as the banking interlocutor for all types of clientele. “We are the bank of skilled craftspeople, VSEs, but also large companies such as EDF or the RATP,” recalls Serge Bayard.
One of the characteristics of La Banque Postale is its ability to draw up simple solutions comprehensible to all its clients. It offers overdraft facilities and equipment leasing, namely for the benefit of professionals and VSEs so that they may easily finance their investments. For several months now, the offer has broadened to include real-estate leasing as well as mid-and long-term loans. The result is a comprehensive palette of credit solutions aimed at supporting social-economy enterprises and players.
“In concrete terms, financing may concern a craftsperson’s vehicle just as it may concern a regional express train for a major French region. We place an emphasis on the speed of the bank’s response to loan applications. A key criterion, for generally, a client’s financing need is immediate,” points out Serge Bayard. Highly reactive in its response to clients known to and identified by La Banque Postale, the establishment relies on a national reception platform allowing requests to be catered to very quickly.
Local authorities and social housing professionals also benefit from these innovations. 2013 will mark a new step forward in the enrichment of the offer, for the world of health, namely hospitals and retirement homes, mixed-economy companies, and local public companies, will also benefit from these new loan offers. La Banque Postale contributes to the development of local economic fabric on a daily basis. One French association out of three is a client of the establishment, as is also the case of one mutual insurance company out of two, and 2 social landlords out of 3.
“Our goal is to accompany these players in the long run. As well as different credit options, we offer them specific savings products adapted to their regulatory frameworks. Savings solutions aimed at mutual insurance companies for example are hyper-secure investments allowing them to have certainties about the capital they entrust to us and the sum of their remuneration,” illustrates Serge Bayard.
La Banque Postale is present throughout the French territory via 17,000 contact points – an asset enabling it to be close to all its clients in rural as well as in urban zones. It guarantees facilitated access to counter service and to cash. This strong territorial anchorage allows it to meet the cash withdrawal or cheque deposit needs of VSEs, professionals or associations. All post offices in France can meet these requests, with extremely broad opening hours as they are open 6 days a week, not closing until 8 pm in major towns.
“Another asset is our surplus in deposits compared with the loans we grant. We can therefore grant very considerable loans to all entrepreneurs. This context explains our ambition to become, in coming years, a major financing player contributing towards territorial development. Our positioning consists in using the savings of French people to finance the take-off of territories by close support for local economic activity,” indicates Serge Bayard.
With its comprehensive and diversified offer, the establishment now sets out to continue to improve its reception of professional clients in post offices, the latter having been designed more to receive individual clients. “In 2013, we are setting up a new model of client relations, consisting in providing professionals with a dedicated contact who can provide responses adapted to their needs. They will therefore be able to benefit from all types of advice at their post office, facilitating their every day activities,” concludes the Manager.
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