{"id":885,"date":"2025-08-15T15:46:11","date_gmt":"2025-08-15T13:46:11","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/la-banque-postale-engrange-831-millions-deuros-de-benefice-grace-a-sa-chasse-aux-couts-on-a-optimise-chaque-centime-sans-sacrifier-la-qualite\/"},"modified":"2025-08-15T15:46:11","modified_gmt":"2025-08-15T13:46:11","slug":"la-banque-postale-engrange-831-millions-deuros-de-benefice-grace-a-sa-chasse-aux-couts-on-a-optimise-chaque-centime-sans-sacrifier-la-qualite","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/la-banque-postale-engrange-831-millions-deuros-de-benefice-grace-a-sa-chasse-aux-couts-on-a-optimise-chaque-centime-sans-sacrifier-la-qualite\/","title":{"rendered":"La Banque postale engrange 831 millions d\u2019euros de b\u00e9n\u00e9fice gr\u00e2ce \u00e0 sa chasse aux co\u00fbts \u201con a optimis\u00e9 chaque centime sans sacrifier la qualit\u00e9\u201d"},"content":{"rendered":"<article>\n<p>La Banque Postale aurait-elle trouv\u00e9 la formule magique pour doper ses profits ? Selon des informations r\u00e9centes, l&rsquo;\u00e9tablissement bancaire public aurait enregistr\u00e9 un b\u00e9n\u00e9fice net record de 831 millions d&rsquo;euros en 2023, gr\u00e2ce \u00e0 une politique drastique de r\u00e9duction des co\u00fbts. Une performance qui interroge sur les m\u00e9thodes employ\u00e9es et leurs cons\u00e9quences pour les clients.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f1050622eff\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f1050622eff\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/la-banque-postale-engrange-831-millions-deuros-de-benefice-grace-a-sa-chasse-aux-couts-on-a-optimise-chaque-centime-sans-sacrifier-la-qualite\/#%C2%AB_On_ne_reconnait_plus_lesprit_de_service_public_%C2%BB_le_temoignage_dun_salarie\" >\u00ab\u00a0On ne reconna\u00eet plus l&rsquo;esprit de service public\u00a0\u00bb : le t\u00e9moignage d&rsquo;un salari\u00e9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/la-banque-postale-engrange-831-millions-deuros-de-benefice-grace-a-sa-chasse-aux-couts-on-a-optimise-chaque-centime-sans-sacrifier-la-qualite\/#Une_strategie_qui_paierait%E2%80%A6_mais_a_quel_prix\" >Une strat\u00e9gie qui paierait&#8230; mais \u00e0 quel prix ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/la-banque-postale-engrange-831-millions-deuros-de-benefice-grace-a-sa-chasse-aux-couts-on-a-optimise-chaque-centime-sans-sacrifier-la-qualite\/#Les_trois_leviers_de_la_performance_controversee\" >Les trois leviers de la performance controvers\u00e9e<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/la-banque-postale-engrange-831-millions-deuros-de-benefice-grace-a-sa-chasse-aux-couts-on-a-optimise-chaque-centime-sans-sacrifier-la-qualite\/#1_La_digitalisation_forcee\" >1. La digitalisation forc\u00e9e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/la-banque-postale-engrange-831-millions-deuros-de-benefice-grace-a-sa-chasse-aux-couts-on-a-optimise-chaque-centime-sans-sacrifier-la-qualite\/#2_La_rationalisation_du_reseau\" >2. La rationalisation du r\u00e9seau<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rachat2credit.fr\/guide\/la-banque-postale-engrange-831-millions-deuros-de-benefice-grace-a-sa-chasse-aux-couts-on-a-optimise-chaque-centime-sans-sacrifier-la-qualite\/#3_Laugmentation_des_frais_bancaires\" >3. L&rsquo;augmentation des frais bancaires<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rachat2credit.fr\/guide\/la-banque-postale-engrange-831-millions-deuros-de-benefice-grace-a-sa-chasse-aux-couts-on-a-optimise-chaque-centime-sans-sacrifier-la-qualite\/#Quel_avenir_pour_le_modele_mutualiste\" >Quel avenir pour le mod\u00e8le mutualiste ?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%AB_On_ne_reconnait_plus_lesprit_de_service_public_%C2%BB_le_temoignage_dun_salarie\"><\/span>\u00ab\u00a0On ne reconna\u00eet plus l&rsquo;esprit de service public\u00a0\u00bb : le t\u00e9moignage d&rsquo;un salari\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Jean, conseiller financier depuis 12 ans dans une agence de province, pr\u00e9f\u00e8re garder son nom de famille secret. \u00ab\u00a0Avant, on prenait le temps d&rsquo;\u00e9couter chaque client, surtout les plus fragiles. Maintenant, on nous pousse \u00e0 faire du chiffre et \u00e0 r\u00e9duire les temps d&rsquo;entretien. Les objectifs sont devenus intenables\u00a0\u00bb, confie-t-il, visiblement amer.<\/p>\n<p>Ce t\u00e9moignage refl\u00e8terait une tendance lourde au sein de l&rsquo;\u00e9tablissement. D&rsquo;apr\u00e8s nos informations, La Banque Postale aurait supprim\u00e9 pr\u00e8s de 1 500 postes en trois ans selon le <a href=\"https:\/\/www.economie.gouv.fr\" target=\"_blank\" rel=\"noopener\">minist\u00e8re de l&rsquo;\u00c9conomie<\/a>, tout en augmentant la charge de travail des \u00e9quipes restantes.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Une_strategie_qui_paierait%E2%80%A6_mais_a_quel_prix\"><\/span>Une strat\u00e9gie qui paierait&#8230; mais \u00e0 quel prix ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les r\u00e9sultats financiers semblent spectaculaires :<\/p>\n<ul>\n<li>+ 27% de b\u00e9n\u00e9fice net en 2023<\/li>\n<li>831 millions d&rsquo;euros de profit<\/li>\n<li>R\u00e9duction de 15% des co\u00fbts fixes<\/li>\n<\/ul>\n<p>Mais cette chasse aux co\u00fbts pourrait avoir des effets pervers. Plusieurs clients se plaindraient de la d\u00e9gradation du service : temps d&rsquo;attente allong\u00e9s en agence, difficult\u00e9s \u00e0 joindre un conseiller, fermeture de guichets dans les zones rurales.<\/p>\n<blockquote><p>\u00ab\u00a0Je suis cliente depuis 40 ans et c&rsquo;est la premi\u00e8re fois que je songe \u00e0 partir. On m&rsquo;a factur\u00e9 15 euros pour un simple changement d&rsquo;adresse !\u00a0\u00bb, s&rsquo;indigne Marie-Th\u00e9r\u00e8se, 68 ans, retrait\u00e9e dans le Loiret.<\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Les_trois_leviers_de_la_performance_controversee\"><\/span>Les trois leviers de la performance controvers\u00e9e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>D&rsquo;apr\u00e8s des analystes financiers, La Banque Postale aurait actionn\u00e9 trois leviers principaux pour am\u00e9liorer sa rentabilit\u00e9 :<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_La_digitalisation_forcee\"><\/span>1. La digitalisation forc\u00e9e<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>L&rsquo;\u00e9tablissement aurait incit\u00e9, parfois avec insistance, ses clients \u00e0 basculer vers les services en ligne. Une politique qui permettrait d&rsquo;\u00e9conomiser sur les frais de personnel mais exclurait les publics les moins \u00e0 l&rsquo;aise avec le num\u00e9rique.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_La_rationalisation_du_reseau\"><\/span>2. La rationalisation du r\u00e9seau<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Pr\u00e8s de 200 agences auraient \u00e9t\u00e9 ferm\u00e9es ou regroup\u00e9es depuis 2020, principalement dans les zones rurales. Un mouvement qui irait \u00e0 l&rsquo;encontre de la mission de service public de l&rsquo;\u00e9tablissement.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Laugmentation_des_frais_bancaires\"><\/span>3. L&rsquo;augmentation des frais bancaires<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Plusieurs clients auraient constat\u00e9 une hausse des tarifs pour des services auparavant gratuits ou peu co\u00fbteux. Une strat\u00e9gie qui pourrait s&rsquo;av\u00e9rer risqu\u00e9e \u00e0 moyen terme selon les experts.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Quel_avenir_pour_le_modele_mutualiste\"><\/span>Quel avenir pour le mod\u00e8le mutualiste ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ce cas pose une question fondamentale : une banque \u00e0 vocation sociale peut-elle concilier performance financi\u00e8re et mission de service public ? Les r\u00e9centes annonces de La Banque Postale sur des investissements dans la transition \u00e9cologique laissent penser que l&rsquo;\u00e9tablissement chercherait \u00e0 retrouver un \u00e9quilibre.<\/p>\n<p>Pour aller plus loin sur les transformations du secteur bancaire, d\u00e9couvrez notre enqu\u00eate exclusive sur <a href=\"#\">les nouvelles strat\u00e9gies des banques face \u00e0 la digitalisation<\/a>.<\/p>\n<p>Une chose est s\u00fbre : ces bons r\u00e9sultats financiers ne semblent pas faire le bonheur de tous. Entre actionnaires satisfaits et clients m\u00e9contents, La Banque Postale devra peut-\u00eatre revoir sa copie pour \u00e9viter une \u00e9rosion de sa client\u00e8le historique.<\/p>\n<\/article>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;885&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;La Banque postale engrange 831 millions d\u2019euros de b\u00e9n\u00e9fice gr\u00e2ce \u00e0 sa chasse aux co\u00fbts \u201con a optimis\u00e9 chaque centime sans sacrifier la qualit\u00e9\u201d&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\"><\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>La Banque Postale aurait-elle trouv\u00e9 la formule magique pour doper ses profits ? Selon des informations r\u00e9centes, l&rsquo;\u00e9tablissement bancaire public aurait enregistr\u00e9 un b\u00e9n\u00e9fice net record de 831 millions d&rsquo;euros en 2023, gr\u00e2ce \u00e0 une politique drastique de r\u00e9duction des co\u00fbts. Une performance qui interroge sur les m\u00e9thodes employ\u00e9es et leurs cons\u00e9quences pour les clients. &#8230; <a title=\"La Banque postale engrange 831 millions d\u2019euros de b\u00e9n\u00e9fice gr\u00e2ce \u00e0 sa chasse aux co\u00fbts \u201con a optimis\u00e9 chaque centime sans sacrifier la qualit\u00e9\u201d\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/la-banque-postale-engrange-831-millions-deuros-de-benefice-grace-a-sa-chasse-aux-couts-on-a-optimise-chaque-centime-sans-sacrifier-la-qualite\/\" aria-label=\"En savoir plus sur La Banque postale engrange 831 millions d\u2019euros de b\u00e9n\u00e9fice gr\u00e2ce \u00e0 sa chasse aux co\u00fbts \u201con a optimis\u00e9 chaque centime sans sacrifier la qualit\u00e9\u201d\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":886,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-885","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La Banque postale engrange 831 millions d\u2019euros de b\u00e9n\u00e9fice gr\u00e2ce \u00e0 sa chasse aux co\u00fbts \u201con a optimis\u00e9 chaque centime sans sacrifier la qualit\u00e9\u201d - Rachat de Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rachat2credit.fr\/guide\/la-banque-postale-engrange-831-millions-deuros-de-benefice-grace-a-sa-chasse-aux-couts-on-a-optimise-chaque-centime-sans-sacrifier-la-qualite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La Banque postale engrange 831 millions d\u2019euros de b\u00e9n\u00e9fice gr\u00e2ce \u00e0 sa chasse aux co\u00fbts \u201con a optimis\u00e9 chaque centime sans sacrifier la qualit\u00e9\u201d - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"La Banque Postale aurait-elle trouv\u00e9 la formule magique pour doper ses profits ? Selon des informations r\u00e9centes, l&rsquo;\u00e9tablissement bancaire public aurait enregistr\u00e9 un b\u00e9n\u00e9fice net record de 831 millions d&rsquo;euros en 2023, gr\u00e2ce \u00e0 une politique drastique de r\u00e9duction des co\u00fbts. Une performance qui interroge sur les m\u00e9thodes employ\u00e9es et leurs cons\u00e9quences pour les clients. ... 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