[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$4btUnHcLHF":3},{"type":4,"alias":5,"id":6,"author":7,"title":8,"meta_title":8,"og_title":8,"description":9,"meta_description":9,"og_description":9,"published":10,"published_time":11,"changed":10,"changed_time":12,"full_changed_time":13,"created":10,"location":14,"visual":15,"radios":19,"episode":31,"complementary":58,"category":92,"body":98},"article","\u002Farticles\u002Feconomie-et-societe\u002Fexplications-de-lactivite-globale-dune-banque","47105","Jean-Pierre Deramecourt","Explications de l'activité globale d'une banque","\u003Cp>Pour certains « L’ennemi c’est la finance ! » alors que d'autres disent : « J’aime ma banque ! ».\u003C\u002Fp>\r\n\r\n\u003Cp>Qu’elle joue le rôle d’intermédiaire entre les épargnants et les emprunteurs ? Qu’elle apporte des services ou donne des conseils, la banque reste un mystère à clarifier.\u003C\u002Fp>\r\n","17 novembre 2023","12:10","16:15","2023-11-17T16:15:31+01:00","Strasbourg",{"url":16,"alt":17,"url_carre":18,"alt_carre":18},"https:\u002F\u002Fassets-prep.radiorcf.com\u002Fstyles\u002F{style_name}\u002Fassets\u002F2023-11\u002Feduardo-soares-utWyPB8_FU8-unsplash%20%281%29_0.jpg.webp","© Eduardo Soares via Unsplash","",[20],{"id":21,"name":22,"code":23,"shortname":24,"liveURL":25,"alias":26,"region":27,"channelId":30},"34366","RCF Alsace","RCF67","Alsace","\u002F\u002Frcf.streamakaci.com\u002Frcf67.mp3","\u002Falsace",{"id":28,"name":29},"34173","Grand Est",null,{"id":32,"type":33,"title":34,"digas":35,"published":36,"datetime":37,"description":38,"url_linked_article":5,"presenters":39,"visual":41,"show":43,"duration":51,"radios":52,"audio_file":55,"rolls":56},"417421","episode","Comprendre le fonctionnement d'une banque","ST-46289","7 novembre 2023","2023-11-07T00:00:00+01:00","Pour certains « l’ennemi c’est la Finance » pour d’autres « j’aime ma Banque ». Qu’elle joue le rôle d’intermédiaire entre les épargnants et les emprunteurs, qu’elle apporte des services ou donne des conseils la Banque reste un mystère à clarifier.",[40],"Deramecourt Jean- Pierre",{"alt":17,"url":42,"url_carre":30,"copyright":18},"https:\u002F\u002Fassets-prep.radiorcf.com\u002Fstyles\u002F{style_name}\u002Fassets\u002F2023-11\u002Feduardo-soares-utWyPB8_FU8-unsplash%20%281%29.jpg.webp",{"id":44,"title":45,"alias":46,"visual":47,"description":50},"45037","Polychrome, pour démêler le quotidien","\u002Feconomie-et-societe\u002Fpolychrome-pour-demeler-le-quotidien",{"url":48,"alt":49,"url_carre":18,"alt_carre":18},"https:\u002F\u002Fmedia.rcf.fr\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002F{style_name}\u002Fpublic\u002F2023-10\u002FPolychrome%2C%20pour%20d%C3%A9m%C3%AAler%20le%20quotidien.png.webp","© RCF Alsace","\u003Cp>Un panel d'experts est à votre service pour démêler votre quotidien. Allant des nouvelles technologies, la finance, le patrimoine ou le droit, toutes les thématiques seront abordées.\u003C\u002Fp>\r\n\r\n\u003Cp> \u003C\u002Fp>\r\n\r\n\u003Cp>Emission diffusée le mardi à 6h00 et 12h00, le samedi à 9h15, 17h15 et le dimanche à 17h15.\u003C\u002Fp>\r\n","1660320",[53],{"id":21,"name":22,"code":23,"shortname":24,"liveURL":25,"alias":26,"region":54,"channelId":30},{"id":28,"name":29},"https:\u002F\u002Faudio.audiomeans.fr\u002Fguid\u002F{source_code}\u002F\u002F1ba79285e8223921f3f72fcf7a600f6041127adf9a4f5cf5e5f5ad3352ef0f23.mp3",{"podcast_not_roll":57},false,[59],{"type":4,"alias":60,"id":61,"author":7,"title":62,"meta_title":62,"og_title":62,"description":63,"meta_description":63,"og_description":63,"published":64,"published_time":65,"datetime":66,"changed":64,"changed_time":65,"created":67,"location":14,"visual":68,"radios":71,"episode":74,"published_unix_time":91},"\u002Farticles\u002Feconomie-et-societe\u002Fquestionnement-sur-les-prets-immobiliers","45816","Questionnement sur les prêts immobiliers ","\u003Cp style=\"text-align:start\">Les banques n'accordent plus si facilement des prêts immobiliers. Les conditions de revenus et les niveaux d’apport personnel sont bien plus exigeants, sans oublier que les taux ne cessent d’augmenter. Pourquoi ? Cela va-t-il durer ? Vous souhaitez emprunter pour acquérir un appartement, une maison : Que faire ? Jean-Pierre Deramecourt ancien dirigeant de Banque, toujours actif dans le monde de la finance vous apporte des réponses.\u003C\u002Fp>\r\n\r\n\u003Cdiv style=\"text-align:start\"> \u003C\u002Fdiv>\r\n","12 septembre 2023","13:00","2023-09-12T13:00:00+02:00","11 septembre 2023",{"url":69,"alt":70,"url_carre":18,"alt_carre":18},"https:\u002F\u002Fmedia.rcf.fr\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002F{style_name}\u002Fpublic\u002F2023-09\u002FPOLYCHROME_%20pixabay-nattanan23_0.jpg.webp","©nattanan23 via Pixabay",[72],{"id":21,"name":22,"code":23,"shortname":24,"liveURL":25,"alias":26,"region":73,"channelId":30},{"id":28,"name":29},{"id":75,"type":33,"title":76,"digas":77,"published":64,"datetime":78,"description":79,"url_linked_article":60,"presenters":80,"visual":81,"show":83,"duration":85,"radios":86,"audio_file":89,"rolls":90},"399733","Vous avez besoin d’un crédit immobilier : les banques vont elles vous prêter ?","ST-43777","2023-09-12T00:00:00+02:00","\u003Cp>Les banques n'accordent plus si facilement des prêts immobiliers. Les conditions de revenus et les niveaux d’apport personnel sont bien plus exigeants, sans oublier que les taux ne cessent d’augmenter. Pourquoi ? Cela va-t-il durer ? Vous souhaitez emprunter pour acquérir un appartement, une maison : Que faire ? Jean-Pierre Deramecourt ancien dirigeant de Banque, toujours actif dans le monde de la finance vous apporte des réponses.\u003C\u002Fp>\r\n",[40],{"alt":70,"url":82,"url_carre":30,"copyright":18},"https:\u002F\u002Fmedia.rcf.fr\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002F{style_name}\u002Fpublic\u002F2023-09\u002FPOLYCHROME_%20pixabay-nattanan23%20%281%29.jpg.webp",{"id":44,"title":45,"alias":46,"visual":84,"description":50},{"url":48,"alt":49,"url_carre":18,"alt_carre":18},"1726080",[87],{"id":21,"name":22,"code":23,"shortname":24,"liveURL":25,"alias":26,"region":88,"channelId":30},{"id":28,"name":29},"https:\u002F\u002Faudio.audiomeans.fr\u002Fguid\u002F{source_code}\u002F\u002F1c9976d71bb34ce74a650f3b42f55dfbe133bdb4066b879f5fccdbfb62e028c7.mp3",{"podcast_not_roll":57},"1694427376",{"id":93,"type":94,"name":95,"alias":96,"description":97},"59394","category","Économie et Société","\u002Feconomie-et-societe","\u003Cp>\r\n\u003Cstyle type=\"text\u002Fcss\">\u003C!--td {border: 1px solid #cccccc;}br {mso-data-placement:same-cell;}-->\r\n\u003C\u002Fstyle>\r\nEconomie, éthique, santé, travail, logement... Prendre le pouls de notre société en plein bouleversement et vous donner des repères c'est la raison d'être de RCF !\u003C\u002Fp>\r\n",[99,103],{"id":100,"target_paragraph_type":101,"target_wysiwyg":102},"67944","wysiwyg_paragraph","\u003Chr \u002F>\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center\">\u003Cspan style=\"font-size:12pt; font-variant:normal; white-space:pre-wrap\">\u003Cspan style=\"font-family:Arial,sans-serif\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"text-decoration:none\">On peut présenter l’activité bancaire de trois manières différentes\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-size:12pt; font-variant:normal; white-space:pre-wrap\">\u003Cspan style=\"font-family:Arial,sans-serif\">\u003Cspan style=\"color:#000000\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"text-decoration:none\"> : \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Ch2 style=\"line-height: 1.656; text-align: justify; background-color: rgb(255, 255, 255); margin-top: 16px; padding: 10pt 0pt;\">\u003Cstrong>\u003Cspan style=\"font-size:12pt; font-variant:normal; white-space:pre-wrap\">\u003Cspan style=\"font-family:Arial,sans-serif\">\u003Cspan style=\"color:#000000\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"text-decoration:none\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>I. Les banques comme entreprises\u003C\u002Fh2>\r\n\r\n\u003Cp style=\"line-height:1.656; text-align:justify; background-color:#ffffff; padding:2pt 0pt 10pt 0pt\">\u003Cspan style=\"font-size:12pt; font-variant:normal; white-space:pre-wrap\">\u003Cspan style=\"font-family:Arial,sans-serif\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"text-decoration:none\">La première c’est de considérer les Banques comme des \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-size:12pt; font-variant:normal; white-space:pre-wrap\">\u003Cspan style=\"font-family:Arial,sans-serif\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"text-decoration:underline\">\u003Cspan style=\"-webkit-text-decoration-skip:none\">\u003Cspan style=\"text-decoration-skip-ink:none\">entreprises\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-size:12pt; font-variant:normal; white-space:pre-wrap\">\u003Cspan style=\"font-family:Arial,sans-serif\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"text-decoration:none\">. Des entreprises pas tout à fait comme les autres mais des entreprises quand même.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp style=\"line-height:1.656; text-align:justify; background-color:#ffffff; margin-bottom:13px; padding:2pt 0pt 0pt 0pt\">\u003Cspan style=\"font-size:12pt; font-variant:normal; white-space:pre-wrap\">\u003Cspan style=\"font-family:Arial,sans-serif\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"text-decoration:none\">Comme toute entreprise, les banques sont des structures avec des services commerciaux (les agences), des sièges avec des back offices, des directions de support (DRH, Comptabilité, Informatique - qui sont extrêmement importants dans la banque…). Ce qui caractérise peut-être les banques, en tant qu’entreprise c’est l’importance qu’elles accordent à la gestion financière, à la gestion des risques et à la conformité.  \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center\">\u003Cbr \u002F>\r\n\u003Cspan style=\"font-size:20pt; font-variant:normal; white-space:pre-wrap\">\u003Cspan style=\"font-family:'Times New Roman',serif\">\u003Cspan style=\"color:#222222\">\u003Cspan style=\"font-weight:400\">\u003Cspan style=\"font-style:normal\">\u003Cspan style=\"text-decoration:none\">\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp> \u003C\u002Fp>\r\n",{"id":104,"target_paragraph_type":101,"target_wysiwyg":105},"67945","\u003Ch2>II. Les fonctions de la banque \u003C\u002Fh2>\r\n\r\n\u003Cp class=\"text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>La deuxième manière de décrire l’activité bancaire c’est par rapport à ses fonctions :\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Ch3 class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cem>A\u002F L'intermédiation\u003C\u002Fem>\u003C\u002Fh3>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>La première fonction de la banque c’est ce qu’on appelle : \u003Cstrong>L ’intermédiation\u003C\u002Fstrong>. \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>Les banques collectent l’épargne et en conservent une partie pour faire des crédits. Elles jouent ainsi le rôle d’intermédiaire.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>      \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>Elles permettent ainsi à ceux qui épargnent de pouvoir (de manière sécurisée)  récupérer leur argent et de toucher un intérêt, des dividendes ou constater que cette épargne a pris de la valeur (ou en a perdu). Tout cela dépend du niveau de risque pris et de la durée de blocage de l’épargne.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\"> \u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>      \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>Une partie de l’épargne est conservée par la banque. Elle lui sert à faire des crédits qui vont du découvert aux crédits à plus ou moins long termes (crédit consommation, immobiliers, d’investissements …)\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>      \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>Une autre partie de l’épargne, placée en actions, en obligations, en assurances vie, en épargne réglementée, n’est pas conservée par la banque. Celle-ci se charge de le placer auprès d’autres acteurs de la finance.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Ch3 class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cem>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan> B\u002F Le conseil \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fh3>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>La deuxième fonction de la banque est\u003Cstrong> le conseil\u003C\u002Fstrong> : c’est\u003Cstrong> le rôle des conseillers bancaires\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>      \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>Ainsi pour chaque \u003Cu>épargnant\u003C\u002Fu>, il s’agit d’appréhender sa situation personnelle, ses connaissances et sa situation financière, sa situation fiscale, son appétences aux risques, la durée possible de ses placements… Tout cela afin de lui apporter les solutions les mieux adaptées à ses  besoins\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>     \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>Pour les \u003Cu>emprunteurs\u003C\u002Fu>, il s’agit de prendre en compte leurs revenus, leurs dépenses régulières, les remboursements des autres emprunts, les éléments pouvant être mis en garantie… Et ceci, afin de mesurer leurs capacités d’endettement.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp>\u003Cem>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fem>\u003C\u002Fp>\r\n\r\n\u003Ch3>\u003Cem>C\u002F Apporter des services\u003C\u002Fem>\u003C\u002Fh3>\r\n\r\n\u003Cp>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>La troisième fonction de la banque c’est d’apporter des services. \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>La banque apporte des services notamment :\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>1.  L\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>a mise à disposition de moyens de paiements :  chèques... ect.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>2. Les d\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>istributeurs de billets\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>3. Les \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>services à distance\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>4. L\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>a proposition d’autres produits les assurances (crédits, IARD, Garanties juridiques….)\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>  \u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Cp class=\"is-flex is-justify-content-center is-align-items-center text-align-justify\">\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>\u003Cspan>Pour dire les choses autrement, L’Humain et la Confiance sont des forces sur lesquelles doivent s’appuyer les banques si elles veulent faire la différence.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\r\n\r\n\u003Chr \u002F>\r\n\u003Cp> \u003C\u002Fp>\r\n"]