Both in terms of branch closures and of municipalities which no longer have bank counters, some departments are more concerned by restructuring. Here, on these two criteria, the top 10.
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Few of the departments have conquered bank branches between 2010 and the end of 2020. But, relying on the maps of our Infostat-Marketing research partner, certain regions appear to be more affected by restructuring.
In terms of losses of bank counters, Paris and its network of 233 branches and post offices in 10 years is the city (and the department) that has recorded the most closures. These statistical losses can be caused by a dry closure of points of sale or by the merger of two counters, thus causing the disappearance of a postal address. Far behind are the Bouches-du-Rhne with -133 agencies over the period. But it is in the north of France that the most affected departments are concentrated. The Bas-Rhin, the Moselle and the North have, them three, lost 366 counters in net in a decade.
| Dpartements | Number of firm agencies in 10 years |
|---|---|
| Paris |
233 |
| Bouches-du-Rhne | 133 |
| Bas-Rhin | 131 |
| Moselle | 123 |
| North | 112 |
| Loire Atlantique | 110 |
| Rhne | 106 |
| Yvelines | 91 |
| Gironde | 86 |
| Hauts-de-Seine | 85 |
Infostat-Marketing banking network observatory. MoneyVox formatting. June 2021
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The Bas-Rhin and Moselle, completed by the Haut-Rhin, are also home to 18% of the municipalities having lost all their banks and post offices between 2010 and the end of 2020, i.e. 120 municipalities out of the 654 counted by Infostat-Marketing. The center-east, around the Lyon region, is also a cluster of villages that no longer have a bank branch. This concerns, for example, 17 municipalities in the Rhne, 18 municipalities in the Ain and 20 in Isre.
| Dpartements | Number of municipalities now without a bank branch * | Percentage in the total stock of municipalities now without an agency |
|---|---|---|
| Bas-Rhin |
50 |
8% |
| Haut-Rhin | 36 | 6% |
| Moselle | 34 | 5% |
| Isre | 20 | 3% |
| Ain | 18 | 3% |
| Indre-et-Loire | 18 | 3% |
| Sane-et-Loire | 18 | 3% |
| Rhne | 17 | 3% |
| Loire Atlantique | 15 | 2% |
| Loir-et-Cher | 15 | 2% |
Infostat-Marketing banking network observatory. MoneyVox formatting. June 2021
* bank branch and post office
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As read from these municipalities, contacted by MoneyVox, explained, it is essentially access to cash that poses the most problems. To keep an ATM in spite of the departure of the branch, the municipalities can negotiate with the bank to maintain the ATM or call on CIT companies such as Loomis or Brinks. To meet cash needs, these companies offer the installation and management of vending machines. In both cases, the finances of the municipalities are mobilized, according to the testimonies collected.
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