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La rentabilité des produits bancaires à l'aune du ratio Cooke

Listed author(s):
  • François Henrot
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    [fre] Une des conséquences du ratio Cooke devrait être de modifier l'approche des banques françaises dans l'appréciation de leur rentabilité. De l'approche globale, qu'elles avaient jusqu'à maintenant, elles vont devoir évoluer vers une analyse individualisée de la rentabilité de leurs opérations. Ceci pose quelques questions de méthode. Combien allouer de fonds propres à chaque produit ? Quelle doit être la structure des fonds propres requis par cette activité ? Comment définir la rémunération de ces fonds propres et son impact sur la tarification du produit ? Comment déterminer une tarification correcte à partir des éléments de prix de revient : coût du refinancement, frais généraux, charge du risque ? Plusieurs méthodes, dont certaines ont été développées à la Compagnie bancaire, existent. Leur mise en œuvre aura sans doute pour effet de remettre en cause des idées reçues et de modifier certains comportements. [eng] One of the consequences of the Cooke ratio should be to change the way French banks assess their profitability. Instead of the global approach they have had so far, they will have to carry out an analysis of their individual operations. This raises some questions of method. How much equity has to be allocated to each product ? How much the equity necessary for this activity be structured ? What return will be required on this equity and what will be its impact on the pricing of the product ? How can one establish correct pricing based on the elements of cost : funding, overheads, risk ? Several techniques exist, some of them developed by Compagnie bancaire. Their implementation will no doubt throw generally accepted ideas back into question and change certain behaviour patterns.

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    Article provided by Programme National Persée in its journal Revue française d'économie.

    Volume (Year): 5 (1990)
    Issue (Month): 1 ()
    Pages: 49-57

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    Handle: RePEc:prs:rfreco:rfeco_0769-0479_1990_num_5_1_1242
    Note: DOI:10.3406/rfeco.1990.1242
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