{"id":4904,"date":"2026-02-03T05:16:00","date_gmt":"2026-02-03T03:16:00","guid":{"rendered":"https:\/\/www.fbf.fr\/en\/?p=4904"},"modified":"2026-06-05T10:05:57","modified_gmt":"2026-06-05T08:05:57","slug":"press-conference-address-by-the-president-of-the-fbf","status":"publish","type":"post","link":"https:\/\/fbf.fr\/en\/press-conference-address-by-the-president-of-the-fbf\/","title":{"rendered":"Press conference: address by the President of the FBF"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Address by Daniel Baal, President of the French Banking Federation<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Good morning everyone,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">First of all, I would like to thank you for being here today at the French Banking Federation to discuss the key issues shaping the start of this year. I extend my best wishes to you, to your loved ones and to your organisations. I also wish the very best for France, its economy and the French people.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At the beginning of this year, I would like to give you an overview of our actions and concerns across several areas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In a few moments, I will hand over to Fr\u00e9d\u00e9ric Dabi, who will present the results of the IFOP survey. Let me highlight straight away one key finding: nine out of ten French people have a positive image of their bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I will endeavour to be as concrete as possible. Some \u201cbanking\u201d issues may appear complex or technical\u2014particularly when it comes to regulation\u2014but make no mistake: they have a direct impact on the daily lives of French people and on business activity. These issues are sometimes overlooked, misunderstood or even caricatured. Our role is to bring clarity, as I have recently done regarding the Livret A savings account and overdraft facilities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Despite an exceptionally high level of uncertainty, 2025 demonstrated the resilience of both the banking sector and the French economy.<\/strong> Economic, geopolitical, domestic political, budgetary and fiscal uncertainties have accumulated. Taken together, they weigh on the confidence of households and businesses (1) and delay private and public investment projects across France.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Against this backdrop, two certainties stand out<\/strong>. The first is what Mark Carney aptly described in Davos last week as \u201cthe breakdown of the world order, the end of a comforting fiction and the beginning of a brutal reality in which the geopolitics of major powers are no longer constrained.\u201d The second is the imperative for a France that is fully mobilised within a strong, united and effective Europe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>In this context, my first message is clear: French banks have fully played their role\u2014solidly, responsibly and consistently.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Solidly, first and foremost. Today, our institutions rank among the safest in the world. Their intrinsic quality is excellent, capital levels are high and liquidity is abundant. This has been confirmed by European stress tests (2).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>However, solidity is not an end in itself. It is there to serve the real economy. French banks support it everywhere and for everyone, with a strong sense of responsibility.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>In 2025, French banks continued to finance businesses, even at a time when caution could have prevailed<\/strong>. Business failures are at a historic high\u2014it is true. But risk is our business. The entire profession is mobilised to support business leaders and their employees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Banks have supported a remarkably dynamic entrepreneurial fabric<\/strong>, which may have scaled back investment but was able, thanks to the banking sector\u2019s support, to find positive financing solutions. In total, more than \u20ac1,400 billion in loans to businesses are outstanding in France\u2014an increase of 62% over ten years. <strong>In 2025, nearly \u20ac30 billion per month financed businesses of all sizes. That is \u20ac1 billion per day invested in the future of our country. By contrast, French public debt is increasing by around \u20ac500 million per day. Banks are choosing the future; the State, too often, is choosing inertia.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>We have also supported the gradual recovery in mortgage lending and, through it, the entire housing sector.<\/strong> Outstanding housing loans to households in France stand at \u20ac1,283 billion, with a recovery trend in 2025, notably thanks to declining interest rates. The average interest rate, around 3%, is among the lowest in Europe. <strong>Fixed-rate loans<\/strong>\u2014a French specificity\u2014<strong>provide strong protection<\/strong> for both existing and new borrowers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Moreover, first-time buyers account for more than 50% of mortgage lending for primary residences in 2025, as do lower-income households. This clearly demonstrates the essential role played by the banking sector in enabling access to home ownership for as many people as possible.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">French banks have never shut off mortgage lending. In our model, supporting home ownership is fundamental. At a time when housing is one of the main concerns of our fellow citizens\u2014and of banks as well\u2014the strong market recovery is good news for everyone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>My second message is to recall what makes all this possible: French banks are largely built on a universal, relationship-based, proximity-focused model that supports projects over the long term.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let me recall a few concrete indicators of this proximity:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Nearly one in three bank branches in the euro area is located in France.<\/li><li>More than 99.9% of French citizens have access to cash within fifteen minutes of their home.<\/li><li>This is made possible thanks to the commitment of over 370,000 women and men across the country who deliver this universal banking service every day.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">There may be prejudices, clich\u00e9s or questions about banks. We are used to this and we systematically engage in dialogue to explain and to find solutions whenever possible\u2014as we once again demonstrated during the Covid period.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Today, banks are clearly part of the solution to the difficulties faced by households, businesses and even the State. That is my third message. This solution-driven mindset guides us every day, both within banks and within the French Banking Federation.<\/strong> The IFOP survey results that Fr\u00e9d\u00e9ric Dabi will present shortly both confirm this and reinforce our responsibility.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">During the crises that followed the Covid period\u2014energy, inflationary and geopolitical\u2014banks once again rose to the challenge. I say it forcefully: <strong>French banks are a valuable asset for France and for Europe.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The defence sector provides a clear illustration. French banks have long supported the French and European defence industries<\/strong>. As of 30 June 2025, and announced here for the first time, the six largest <strong>French banking groups<\/strong>\u2014BNP Paribas, BPCE, Cr\u00e9dit Agricole, Cr\u00e9dit Mutuel, La Banque Postale and Soci\u00e9t\u00e9 G\u00e9n\u00e9rale\u2014had provided <strong>\u20ac45 billion<\/strong> in financing to French defence companies. This represents a 75% increase since 2021 and already +22% in the first half of the year. An additional <strong>\u20ac22 billion<\/strong> has been granted to other European defence companies. These figures highlight the capacity of French banks to support defence efforts in a geopolitical context marked by rising tensions and conflicts, and by the need for a European response.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Another key priority for us is financing the energy transition.<\/strong> Banks are acutely aware that the <strong>climate emergency is the defining challenge of our generation<\/strong>. According to experts, France could face a temperature increase of +2.7\u00b0C by 2050\u2014and 2050 is tomorrow in our business. If you need convincing of our commitment, consider this: will the 25-year mortgages we grant today be repaid if the homes they finance become uninhabitable?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">French banks are continuing to redirect financial flows towards their customers\u2019 transition projects\u2014whether businesses, local authorities or individuals. As every year, the FBF published its benchmark study in April 2025. Let me recall its key findings:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>With \u20ac96 billion in renewable energy financing, French banks are global leaders (+28% between 2023 and 2024).<\/li><li>Green and sustainable loans on their balance sheets rose by 27% in one year, from \u20ac372 billion in 2023 to \u20ac471 billion in 2024.<\/li><li>At the same time, French banks\u2019 exposure to the hydrocarbon sector fell by 15% in 2024, to \u20ac37 billion (0.36% of total assets).<\/li><li>Today, for every \u20ac1 financing fossil fuel production, \u20ac2.6 finance renewable energy, and more than \u20ac12 finance green and sustainable loans.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The strategy remains unchanged: banks will continue their long-term efforts to support the economy and their customers in decarbonising their activities.<\/strong> Data as at end-2025 will be published later this year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Looking ahead to 2026, financing needs continue to grow to address energy, technological and societal transitions, as well as the major challenge of European sovereignty. Power dynamics are shifting faster and more forcefully at Europe\u2019s borders and beyond. Collective action is urgently needed\u2014and French banks are fully playing their part. Our responsibility also requires us to speak out when collective choices threaten our ability to act or have tangible consequences for citizens\u2019 daily lives.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>France\u2019s public finances are a source of concern<\/strong>, and the latest version of the draft Finance Bill raises more questions than it answers. Over recent months, all economic actors have witnessed escalating <strong>tax pressure, which cannot constitute a sustainable response to our country\u2019s economic and social challenges.<\/strong> In 2024, French banks contributed more than \u20ac22.3 billion to public finances\u2014up on 2023. This exceeds the combined budgets of the ministries of sport, Europe and justice for 2026, which amount to \u20ac20.5 billion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fiscal decisions are not neutral for future growth<\/strong>. In this regard, I have been struck by the controversy surrounding business support. Some claim that large French companies enjoy privileges. In reality, they are burdened by heavier taxation than their European peers. <strong>Factually<\/strong>, net business taxation exceeds that of our neighbours: 10.5% of GDP, compared with 8.1% for the EU average and around 7% in Germany (FIPECO).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Taxing \u201cMade in France\u201d through the renewal of the corporate surtax penalises responsible actors who locate jobs and income in France and ultimately weakens our economic sovereignty. It also undermines commitments previously made and generates instability for businesses. With a corporate tax rate of 36.13% for large companies subject to the surtax (KPMG\/OECD), France stands well above the OECD average of 24.1%.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Overtaxing businesses risks negative consequences\u2014for growth, investment, purchasing power and employment, and ultimately for tax revenues themselves.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banks, like all companies, are now among the few places in society where strong cohesion exists around a shared project. Business leaders and employees alike aim to create more value in order to share it internally and externally\u2014with society and with the State. Businesses are a cornerstone of stability and cohesion, and the French people understand this well.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Let me now turn briefly to savings.<\/strong> We sometimes hear talk of \u201cmoney lying idle\u201d in accounts and savings products, or claims that lower savings rates are bad news for savers, or that banks are not doing enough to promote the Livret d\u2019\u00e9pargne populaire (LEP). These debates highlight the importance of financial education, which we actively promote through initiatives such as <em>Les cl\u00e9s de la banque<\/em> and <em>Invite a banker into my classroom<\/em>, in which I will personally take part this year.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>No, money does not lie idle in banks.<\/strong> Deposits and savings fuel the real economy. They enable banks\u2014and the Caisse des D\u00e9p\u00f4ts for its share\u2014to lend to households, businesses, local authorities, social housing and infrastructure. <strong>Savings are not unproductive, contrary to what some MPs have sought to suggest.<\/strong><\/li><li><strong>As for the Livret A, let us dispel the monetary illusion<\/strong>. With inflation at 0.8% in France, a nominal rate of 1.5% offers a positive real return. The Livret A remains a highly attractive product: zero risk, tax-free, fully liquid and with a high ceiling. For long-term projects, savers can then turn to other products such as life insurance, retirement savings plans (PER), equity savings plans (PEA) or term accounts. France benefits from a comprehensive and competitive savings ecosystem that serves savers of all profiles.<\/li><li><strong>LEP<\/strong> accounts increased from 6.9 million holders in 2021 to over 12 million in 2025\u2014a rise of more than 75%. This would not have been possible without banks\u2019 active promotion. We work closely with the authorities on outreach campaigns, and I echo the call made by the Minister of the Economy on 15 January encouraging eligible citizens to contact their bank to open such accounts.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>I will conclude the national section by addressing payment fraud. <\/strong>Payment security is an absolute priority for French banks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We invest continuously. Let me give three concrete examples visible to customers every day:<\/p>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\"><li>Strong customer authentication using at least two independent factors.<\/li><li>Redesigned app interfaces to clearly display transaction details and allow customers to approve or reject payments.<\/li><li>Since 9 October 2025, the Verification of Payee (VoP) service, which secures transfers by checking that the beneficiary name matches the IBAN.<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The fight against fraud is a shared responsibility, including on the part of customers. I would stress that it is essential for customers to remain vigilant at all times, and not only when making payments.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>To raise awareness, the banking sector mobilises hundreds of millions of euros every year\u2014through educational initiatives, dedicated teams, artificial intelligence and other tools<\/strong>. In the media, banks and the French Banking Federation launched a large-scale awareness campaign in 2023 entitled <em>\u201cDon\u2019t share these details\u201d<\/em>. We relaunched this campaign in 2024 and 2025, this time in close coordination with public authorities and regulators, in addition to each bank\u2019s own customer information initiatives. We will be launching a new campaign again in 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lastly, we firmly believe that combating fraud can only be truly effective if all stakeholders are involved.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The law of 7 November 2025 on payment fraud provides a clear illustration of this approach. The banking profession initiated this project several years ago, and it will now be made operational thanks to the legislative framework proposed by Daniel Labaronne. From early May, it will enable the rollout of an information-sharing tool on payment accounts suspected of being used for fraudulent purposes. Fraudsters will no longer be able to act more than once using the same account.<\/li><li>It is also essential that the obligations set out in the 2021 law to block fraudulent calls are fully implemented, which is the responsibility of telecom operators. Since 1 October 2024, certain calls that are not authenticated by operators must be cut off. These initial measures should have an impact on spoofing fraud\u2014a scam technique whereby fraudsters impersonate a bank advisor by phone\u2014but they must be extended to cover all fraudulent calls and text messages, and rolled out at European level.<\/li><li>Today, however, my most solemn appeal is addressed to social media platforms and email service providers. They must play an operational role in preventing, deterring and combating fraud and scams, particularly investment scams. This is a call to public authorities and regulators, in France and in Europe, to take action. Recent studies and media investigations shed light on the scale of the issue. According to the UK regulator, in 2023, \u201cmore than half of scams involved Meta platforms (Facebook, Instagram, WhatsApp)\u201d. According to documents obtained by Reuters, Meta estimates that 10% of its total revenue for 2024\u2014around USD 16 billion out of more than USD 160 billion\u2014came from advertising promoting scams, fraudulent investment schemes and similar activities. Meta is estimated to broadcast around 15 billion fraudulent advertisements every year. These figures demonstrate the massive scale of scam dissemination and the lack of effective action to address it.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>We will continue to mobilise tirelessly to further strengthen the security and information provided to our customers. However, if we genuinely want to protect French and European citizens, Europe must address the issue of platforms\u2019 inaction in the face of scams disseminated through their services. We hope to be heard on these two key issues: prevention and cooperation. As the IFOP survey will show, while 73% of French respondents say they trust banks to secure their personal data, only 41% say the same of Big Tech companies.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The issue of fraud provides a natural transition to the European challenge<\/strong>: do we have the means to finance our future, and is Europe giving itself every opportunity to do so? The ecological transition, reindustrialisation, innovation, defence, housing and digital sovereignty all entail immense financing needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Yet today, billions of euros in capital are immobilised by an accumulation of prudential constraints that are sometimes disconnected from economic realities.<\/strong> Additional requirements imposed by supervisors between 2021 and 2024, based on a sample of fifteen banks, are estimated at more than \u20ac100 billion. This represents a financing potential of around \u20ac1.5 trillion effectively blocked for Europe. <strong>Several initiatives currently under discussion at European level risk further limiting bank financing of the economy.<\/strong> I will mention just three examples, among many others:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Housing<\/strong>: we are facing requirements that are increasingly disconnected from the real economy and that undermine France\u2019s effective mortgage lending model. For example, there are proposals to require third-party valuation of mortgaged properties in France. This would increase costs, lengthen processing times and <strong>diminish the role of notaries<\/strong>. Moreover, the full implementation in Europe of the Basel agreements concluded in 2017\u2014reflecting a very different context\u2014would <strong>only be postponed by a few years for housing, while the United Kingdom, Canada and the United States are stabilising, easing or not applying these constraints.<\/strong> All this makes mortgage lending increasingly complex and ultimately penalises our fixed-rate system in favour of variable rates, which are far less protective for households. It bears repeating: French banks, through their fixed-rate lending model, played a crucial shock-absorbing role during an inflationary shock unprecedented for households in the past 40 years. Elsewhere, variable rates dealt a severe blow to household budgets. Our model must be defended.<\/li><li><strong>Regulation<\/strong>: <strong>Europe is at a crossroads and must make clear choices to remain in control of its own destiny.<\/strong> The Trump administration has launched a broad deregulatory drive\u2014for example, we have yet to see the US proposal for the final implementation of Basel III, even though it has been in force in Europe for over a year. We are not calling for such deregulation, which would be unhealthy. However, unnecessary obstacles to financing the European economy must be identified and removed. Studies consistently show that bureaucracy\u2014emanating from Brussels, but also from France\u2014harms our economy. It costs around \u20ac100 billion per year (IFRAP, 2022). Elsewhere, systems are simplified, innovation is encouraged and factories are built; here, we innovate in complexity or create regulatory labyrinths. <strong>My concern is that Europe will repeat the same mistakes tomorrow.<\/strong><\/li><li><strong>Payments<\/strong>: the central bank digital currency (CBDC) project continues to move forward. Unlike all other central banks outside China, the European Central Bank is pushing ahead rapidly with a retail digital euro. The European Commission and the European Council expressed their support in December 2025, even though questions remain. The European Parliament is now examining the issue.<\/li><li><strong>This retail digital euro project\u2014which, at best, could not be implemented before 2029\u2014is a strategic and political mistake. It will not resolve the issue of European sovereignty in payments, nor will it establish the euro as an international currency.<\/strong><\/li><li><strong>If it is nevertheless pursued, we are making proposals<\/strong> to make the project less harmful, particularly by relying on existing infrastructures\u2014such as instant payments, which work very well\u2014requiring the use of European solutions and limiting holdings of digital euros.<\/li><li>We are also hearing calls for a public-private partnership on the retail digital euro. In principle, we share the willingness to work together on this issue, as on others. Currency has always been based on a public-private balance. Digitalisation should extend this balance, not undermine it. That said, <strong>a partnership is only meaningful if each party has a clear role and if the general interest is served without weakening the financing of the economy.<\/strong><\/li><li><strong>If the goal is to create a \u201cEuropean Airbus of payments\u201d, we must first build on infrastructures and use cases that already exist<\/strong> but need to be scaled up\u2014such as instant payments and Wero. <strong>Creating a new form of currency would risk unnecessarily competing with European solutions<\/strong> currently being rolled out and could even slow down the implementation of an effective solution.<\/li><li><strong>Affirming European sovereignty in the constrained environment we face means focusing our efforts on tools that already work well today.<\/strong> Private solutions\u2014supervised and regulated by European authorities\u2014demonstrate this clearly.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Beyond the retail digital euro, however, the real technological and sovereignty challenges for Europe lie elsewhere: the wholesale digital euro, tokenised deposits and euro-denominated stablecoins.<\/strong> These are now major issues. <strong>If we want to offer a credible alternative to the US dollar, this is the direction we must take.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Furthermore, the European financial sector as a whole\u2014including insurers\u2014<strong>has sounded the alarm on the proposed regulation on access to financial data (FiDA)<\/strong>, a text that is dangerous both for sovereignty and for risk mutualisation. <strong>We reiterate that this proposal must be abandoned.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>On all these issues, we call for a better balance in favour of the European economy\u2014between stability and competitiveness, between regulation and growth. We also want European sovereignty to be translated into concrete action, beyond words, with genuine support for the European model and the economic actors that serve it.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Europe, as a community based on the rule of law and justice, must serve individuals and human, social and economic progress. It must articulate a clear vision, faithful to that of its founding fathers, and stop constantly introducing new, unnecessary\u2014or even costly and ineffective\u2014regulations, such as FiDA and the retail digital euro.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In conclusion:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>At a time of international, European and national uncertainty, the French banking sector is both a factor and an actor of stability, cohesion and long-term vision. It is solid, committed and deeply rooted in local communities. The French people recognise this clearly: 83% say that the banking sector is strategic.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The sector continues to play its full role in financing the ecological transition, innovation, sovereignty at all levels and societal challenges. To meet these challenges, it needs a clear, stable framework that ensures a level playing field.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>There is a path between deregulation on the one hand and over-regulation on the other. My message is simple: without strong, innovative and competitive European banks, there will be neither European sovereignty nor successful transitions.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Success will only come through collective effort\u2014public authorities, businesses, individuals and social partners alike. Let us engage in dialogue. Let us not pit stakeholders against one another. And let us place our trust in those who invest, support and build for the long term.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Thank you for your attention.<\/strong> I now hand over to Fr\u00e9d\u00e9ric Dabi to present the main findings of the IFOP\u2013FBF survey. Fr\u00e9d\u00e9ric Dabi, Maya Atig\u2014our Chief Executive Officer\u2014and I will then be available to answer your questions.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Annexes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">(1) <strong>Household confidence and business sentiment in France \u2013 source: INSEE<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure data-wp-context=\"{&quot;closeLabel&quot;:&quot;Fermer&quot;}\" data-wp-interactive=\"fbf-theme\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/fbf.fr\/uploads\/2026\/01\/confiance-des-menages-1.jpeg\" alt=\"\" class=\"wp-image-4911\" width=\"375\" height=\"231\" srcset=\"https:\/\/fbf.fr\/uploads\/2026\/01\/confiance-des-menages-1.jpeg 749w, https:\/\/fbf.fr\/uploads\/2026\/01\/confiance-des-menages-1-300x185.jpeg 300w, https:\/\/fbf.fr\/uploads\/2026\/01\/confiance-des-menages-1-130x80.jpeg 130w, https:\/\/fbf.fr\/uploads\/2026\/01\/confiance-des-menages-1-487x300.jpeg 487w, https:\/\/fbf.fr\/uploads\/2026\/01\/confiance-des-menages-1-406x250.jpeg 406w, https:\/\/fbf.fr\/uploads\/2026\/01\/confiance-des-menages-1-81x50.jpeg 81w, https:\/\/fbf.fr\/uploads\/2026\/01\/confiance-des-menages-1-550x339.jpeg 550w\" sizes=\"auto, (max-width: 375px) 100vw, 375px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">(2) <strong>Comparison of the Common Equity Tier 1 (CET1) capital ratio of European banking groups \u2013 source: ECB<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure data-wp-context=\"{&quot;closeLabel&quot;:&quot;Fermer&quot;}\" data-wp-interactive=\"fbf-theme\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/fbf.fr\/uploads\/2026\/01\/Comparaison-du-ratio-1-1024x531.jpeg\" alt=\"\" class=\"wp-image-4912\" width=\"512\" height=\"266\" srcset=\"https:\/\/fbf.fr\/uploads\/2026\/01\/Comparaison-du-ratio-1-1024x531.jpeg 1024w, https:\/\/fbf.fr\/uploads\/2026\/01\/Comparaison-du-ratio-1-300x156.jpeg 300w, https:\/\/fbf.fr\/uploads\/2026\/01\/Comparaison-du-ratio-1-768x398.jpeg 768w, https:\/\/fbf.fr\/uploads\/2026\/01\/Comparaison-du-ratio-1-154x80.jpeg 154w, https:\/\/fbf.fr\/uploads\/2026\/01\/Comparaison-du-ratio-1-907x470.jpeg 907w, https:\/\/fbf.fr\/uploads\/2026\/01\/Comparaison-du-ratio-1-579x300.jpeg 579w, https:\/\/fbf.fr\/uploads\/2026\/01\/Comparaison-du-ratio-1-482x250.jpeg 482w, https:\/\/fbf.fr\/uploads\/2026\/01\/Comparaison-du-ratio-1-96x50.jpeg 96w, https:\/\/fbf.fr\/uploads\/2026\/01\/Comparaison-du-ratio-1-550x285.jpeg 550w, https:\/\/fbf.fr\/uploads\/2026\/01\/Comparaison-du-ratio-1.jpeg 1225w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Short-term liquidity ratio of the main French banks \u2013 source: ACPR<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure data-wp-context=\"{&quot;closeLabel&quot;:&quot;Fermer&quot;}\" data-wp-interactive=\"fbf-theme\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/fbf.fr\/uploads\/2026\/01\/ratio-liquidite-1-1024x532.jpeg\" alt=\"\" class=\"wp-image-4913\" width=\"512\" height=\"266\" srcset=\"https:\/\/fbf.fr\/uploads\/2026\/01\/ratio-liquidite-1-1024x532.jpeg 1024w, https:\/\/fbf.fr\/uploads\/2026\/01\/ratio-liquidite-1-300x156.jpeg 300w, https:\/\/fbf.fr\/uploads\/2026\/01\/ratio-liquidite-1-768x399.jpeg 768w, https:\/\/fbf.fr\/uploads\/2026\/01\/ratio-liquidite-1-154x80.jpeg 154w, https:\/\/fbf.fr\/uploads\/2026\/01\/ratio-liquidite-1-905x470.jpeg 905w, https:\/\/fbf.fr\/uploads\/2026\/01\/ratio-liquidite-1-578x300.jpeg 578w, https:\/\/fbf.fr\/uploads\/2026\/01\/ratio-liquidite-1-482x250.jpeg 482w, https:\/\/fbf.fr\/uploads\/2026\/01\/ratio-liquidite-1-96x50.jpeg 96w, https:\/\/fbf.fr\/uploads\/2026\/01\/ratio-liquidite-1-550x286.jpeg 550w, https:\/\/fbf.fr\/uploads\/2026\/01\/ratio-liquidite-1.jpeg 1096w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/figure><\/div>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Address by the President of French Banking Federation &#8211; 26 january 2026 (PDF)<\/p><p class=\"postAttachment__fileSize\">444.6 KB<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Address by the President of French Banking Federation - 26 january 2026 (PDF)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Address by the President of French Banking Federation - 26 january 2026 (PDF)\" href=\"https:\/\/fbf.fr\/uploads\/2026\/01\/Address-by-the-President-of-the-French-Banking-Federation-VF.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">Download Address by the President of French Banking Federation &#8211; 26 january 2026 (PDF)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Address by Daniel Baal, President of the French Banking Federation Good morning everyone, First of all, I would like to thank you for being here today at the French Banking Federation to discuss the key issues shaping the start of this year. I extend my best wishes to you, to your loved ones and to [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":4914,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":4074,"viewed_at":"1778490300"},"categories":[19,595,685,4,13],"tags":[224],"class_list":["post-4904","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fbf-speeches","category-french-banking-industry","category-key-words","category-rubric-newsroom","category-overview","tag-french-banking-industry"],"yoast_head":"<title>Press conference: address by the President of the FBF - Overview - The French Banking Federation (FBF)<\/title>\n<meta name=\"description\" content=\"Daniel Baal, President of the French Banking Federation, held a press conference on 26 January. 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