Digital performance of French Retail Banks in 2017


As digitalization has become vital for companies, D-Rating’s mission consists in providing all of the market’s stakeholders with a rating of their digital performance – this rating being an indicator of digital-related risk for a given company.

In 2017, D-Rating evaluated 15 retail banks on the French market (traditional banks, first-generation online banks and « neo-banks ») according to 4 rating modules: Digital Footprint; Digital Customer Experience; Practices & Tools; Leadership & Culture. The results to these 4 modules are then consolidated into a single, global digital performance rating.


These results only reflect the companies’ digital performance.

D-Rating’s opinions express impacts (positive or negative) of digital change on key business dimensions, considered as likely by D-Rating analysts with regards to the results of the analyses carried out in 2017.

BNP Paribas Group

BNP group.png

BPCE Group


Crédit Mutuel Arkéa Group


Crédit Mutuel-CIC Group


Crédit Agricole Group


HSBC France


ING Direct


La Banque Postale


N26 (France)


Société Générale Group


To have more information on the methodology, please contact us.

Disclaimer: this presentation contains statements that constitute forward looking opinions. They are not guarantees of future performance and involve risks and uncertainties. They are based on assumptions and analysis which we believe to be reasonable as of date. The forward-looking statements on key company metrics (Client acquisition, Client retention, Revenue per client, Operating costs, Transformation capability, Long-term sustainability) are solely based on our assessments of digital performance scores.

Readers are informed that those metrics are influenced by many other drivers, in and outside of companies’ control.

Digital ratings do not constitute or provide investment or financial advice, neither do they provide recommendations to purchase, sell or hold particular securities.

We expect that each investor will make their own study and evaluation of each rated entity under investment consideration.

Independence of analysts: The responsible research analysts certify that: (1) all of the views expressed in this research accurately reflect their personal views about the rated entities; and (2) no part of any of the research analyst’s compensation was, is, or will be directly or indirectly related to the specific recommendations or views expressed in this research.

All information contained herein is obtained by D-Rating from sources believed to be reliable. Because of possibility of human error or any other factors, however, all information is contained without warranty of any type. We take all necessary measures for the information we use while assigning digital ratings to be of sufficient quality and from sources, including third party sources, that we consider reliable.However, D-Rating is not an auditor and cannot in every occasion independently verify information received in the rating process.

[1] See details on methodology at the end of this document

If you want to read more