This document analyzes the benefits of non-regulated savings for savers and banks, and proposes commercial actions to develop non-regulated savings within a banking agency.
Extract
[...] The Bank Keys (2024), "Regulated or Unregulated Savings: What are the differences?", 1"he February 2024. Ramify (2024), "The average savings of the French in 2025 (by age, rate, average amount, INSEE figures . December 28, 2024. [...]
[...] Section 2.1.1 Evolution of regulated savings collection in my agency: customer profile Section 2.1.2 Dynamics of non-regulated investment collection within my agency Chapter 2.2 Commercial actions implemented within my agency To better target customers, we design a questionnaire distributed by email and in agency to our customers to analyze their capacity, expectations and wishes in terms of savings (2.2.1). Then, we carry out a phoning campaign to promote non-regulated savings to customers (2.2.2). Section 2.2.1 Targeting customers through a savings questionnaire Section 2.2.2 The phoning workshop Conclusion Bibliography BNP Paribas (2025), "Eurozone: some reasons for the high savings rate", Ecoweek, No p January 2025. [...]
[...] Then, we also highlight the opportunity of this non-regulated savings to diversify the savings of clients (1.12). Section 1.1.1 Bank savings accounts, a more attractive remuneration for savers in a period of declining interest rates Section 1.1.2 An opportunity to diversify clients' savings Chapter 1.2 Non-regulated savings, a source of diversification of the Bank Net Product (BNP) for banks Non-regulated savings constitute a strategic axis for banking institutions, on the one hand, to increase their BNP (1.2.1), but also to retain and win over customers (1.22), in a context of strong competition between traditional banks, online banks, as well as new players such as neo-banks (Revolut, N26), fintechs, and even Internet giants (the G.A.F.A.). [...]
[...] Under these conditions, we wonder what levers banks have at their disposal to develop non-regulated savings compared to regulated investments, in order to satisfy their clientele, in search of returns. In the first part, we study the benefits offered by non-regulated savings for savers, but also for banking institutions Then, in a second part, we focus on the distribution of savings within my agency between regulated products on the one hand and bank savings books on the other, in order to implement commercial actions to develop non-regulated savings. Problems What levers do banks have to compete with regulated savings through their non-regulated savings products? [...]
