Bank of company

The Banque of company is the general term which indicates the part of the banking trade concerning the operations of the companies.

Actors and organization

This activity is carried on by:

either a banking institution with whole share centered on these customers
or, generally, the Direction “Gone of the companies of a bank with general vocation, using the network of traditional agency (but with” advisers entreprises") even a particular network of specialized agencies towards these customers, sometimes called “corporate”.

A under-segmentation of the markets is often also operated between the activity:

Professional : craftsmen, tradesmen, liberal professions, very small biz generally < 10 paid, jusquà 1.5 m€ of turnover
SME (small and medium-size companies), generally from 10 to 500 paid, with of 1.5 m€ of turnover

and Large companies , with of the 500 paid ones

The professionals are generally managed with the particular customers, followed by professional advisers. the large companies, on the contrary, are generally followed by agencies specialized in the seat of the banque' .
Each banking group follows its strategy, relating preferably to such or such segment and the installation of an average organization and correspondent at these priorities of customers.

Specificities

Compared to the operations of the private individuals, those of the companies often carry:

on volumes and rising more important (e.g. monthly transfers of the wages), asking particular circuits and tools,
of the specific fields particularly sophisticated (financial Engineering, Import-export, operations of cover).
with risks often more important, for example concerning the companies needs large financings.

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