Magazine
Banking strategy and governance
According to the Observatoire des TPE-PME, 60% of French SMEs with turnover in excess of €2 million use multiple banks. This approach diversifies risk and allows them to negotiate rates. However, two similar companies may pay rates that differ by as much as 40% depending on their negotiation history. This category analyzes optimization levers: strategic distribution of flows, actual rate schedules, and timing for renegotiation. Memo Bank publishes its rates transparently and supports your decision-making process regarding the optimal banking architecture.