Société Marseillaise de Crédit: Histoire, Structure et Services

The Société Marseillaise de Crédit (SMC) has a rich history dating back to 1857, making it one of the oldest banks in France.

The bank's mission is to provide financial services to individuals and businesses in the Provence-Alpes-Côte d'Azur region.

SMC's headquarters is located in Marseille, the second-largest city in France, and it has a strong presence in the local community.

The bank's history is marked by its commitment to serving the needs of its customers, and it has evolved over the years to stay competitive in the financial industry.

The Société Marseillaise de Crédit was created in 1865 by Joseph Grandval, Victor Roux, Albert Rostand, and Armand Bergasse. Its first chairman was Jean-Baptiste Pastré.

Its headquarters was built in Marseille by Léon Verdier in 1880. The Société Marseillaise de Crédit expanded rapidly, buying Banque du Sud-Est and the Comptoir Commercial d'Escompte du Midi in 1913.

By 1919, the bank had spread to Tunisia, Algeria, and Morocco. It also invested in various businesses during the 1940s, including Noilly-Prat, Raffineries Saint-Louis, EDF, and SNCF.

The bank continued to innovate, opening branches in trucks in 1956 and introducing the first ATMs in 1968. The first cash dispenser in France was even opened at the head office in Marseilles that same year.

In 1982, the Société Marseillaise de Crédit was nationalised, and it later became available on the Minitel in 1983. Its website was set up in 1995, marking another significant milestone in the bank's digital transformation.

The bank underwent significant changes in the late 1990s and early 2000s, being privatised again in 1998 and later acquired by Banque Populaire in 2008. Today, it is part of the Crédit du Nord group, following its sale in 2010.

Société Marseillaise de Crédit has a private company structure, meaning it is not publicly traded.

The company is owned by private entities, and it is not a multinational corporation (MNC), as stated in the article.

The company's headquarters is located in Marseille, Provence-Alpes-Côte d'Azur, France.

The company has 925 employees as of November 27, 2024.

Here is a list of the company's top executives:

Société Marseillaise De Crédit specializes in the banking sector, providing a range of services to its clients.

The company has a strong focus on maintaining a personal relationship with its customers, which is reflected in its three core values: availability, conviviality, and competence.

Société Marseillaise De Crédit has a large network of 144 branches across 8 departments in southern France, making it a significant player in the regional banking market.

The company's headquarters are located in Marseille, Provence-Alpes-Côte d'Azur, France, and it has a total of 925 employees working for it.

Société Marseillaise De Crédit has been in operation since 1865, making it a long-established institution in the region.

Meetings are an essential part of any organization, and Société Marseillaise de Crédit is no exception. They hold regular meetings to discuss important matters.

The minutes of these meetings are carefully recorded and kept on file. This ensures that all decisions and actions are properly documented.

Société Marseillaise de Crédit's board of directors is responsible for overseeing the organization's overall direction. They meet regularly to discuss key issues.

The minutes of these meetings are typically recorded by a secretary or clerk. This person is responsible for accurately capturing all discussions and decisions.

Meetings are often a great way to build relationships and establish trust within an organization. At Société Marseillaise de Crédit, meetings provide an opportunity for employees to share ideas and collaborate with one another.

Governance is a crucial aspect of any organization, and Société Marseillaise de Crédit is no exception. The company has a President of the Directoire, Bruno DESCHAMP, who plays a key role in overseeing its operations.

The company's governance structure is overseen by a council of surveillance, which includes several members. These members include Jean-Louis KLEIN, Sylvie KELLER, and Yann DE LA BARRE DE NANTEUIL, who serves as the Vice-President of the council.

The company also has a directoire, which is responsible for managing its day-to-day operations. Members of the directoire include Laurent CHASSAGNAC, Michèle LANDRODIE, and Séverine MUSCARIELLO.

The company's financials are overseen by two external auditors: Ernst & Young and Deloitte & Associés, both of whom serve as Commissaires aux comptes.

Société Marseillaise de Crédit offers a range of presentation options to suit different needs.

Their presentation options include a classic account, a youth account, and a business account, all designed to cater to various customer segments.

The classic account is ideal for individuals who want a simple and straightforward banking experience, while the youth account is designed for young people aged 12 to 25.

The business account, on the other hand, is tailored for entrepreneurs and small business owners who need more advanced features and services.

The tariffs for Société Marseillaise de Crédit's accounts are competitive and transparent, with no hidden fees or charges.

Their pricing structure is based on the type of account and the level of services required, making it easy for customers to choose the right option for their needs.

La Banque SMC a une longue histoire qui remonte à 1865, année de sa fondation. Elle est devenue l'une des 9 banques du Groupe Crédit du Nord depuis 2010.

La SMC est l'une des principales banques du sud-est de la France, avec plus de 120 agences réparties dans la région.

La SMC de Marseille est la première à avoir installé une caisse de retrait automatique en 1968, une innovation qui a révolutionné la façon dont les clients effectuent leurs opérations bancaires.

The bank charges a fee of 40 € for using a carte à autorisation systématique.

Using a Visa Internationale card comes with a debit fee of 52 € for immediate debit and 50 € for deferred debit.

If you have a Visa Premier card, you'll be charged 138 € for any debit, whether immediate or deferred.

Visa Infinite cardholders will be charged 360 € for any debit, whether immediate or deferred.

If you need to send a cheque by registered mail, the bank will charge you 11.75 €.

The annual account fee is 30 €.

You can also opt for an assurance perte et vol des moyens de paiement, which costs 36 €.

If you need to set up an authorised overdraft, the bank will charge you 80 €.

The bank also charges 0.37 € per quarter for the overdraft fees, in addition to the agios débiteurs.

If you need to intervene in an incident, the bank will charge you 8 € per incident.

The bank charges 8 € for each occasional transfer to a third-party account made in person.

To set up a permanent transfer in person, the bank will charge you 1.60 €.

All operations related to managing your account online or for automatic withdrawals are free.

At Société Marseillaise de Crédit, annual meetings are a crucial part of their operations. They're not just about reviewing the past year, but also about making important decisions for the future.

The type of sales or transactions they're involved in is quite specific, mainly focused on other types of purchases, such as acquisitions, contributions, or assignments. This is an important aspect of their business, allowing them to expand their operations and services.

Their activities are diverse, including all types of banking, financial, and credit operations, as well as arbitration, suretyship, brokerage, and commission services. This breadth of expertise enables them to cater to a wide range of clients and provide comprehensive solutions.

Comptes Annuels are an essential part of a company's financial reporting, and Societe Marseillaise De Credit - SMC is no exception.

Their Comptes annuels reveal that the company's type of sale is primarily "Autre achat, apport, attribution" which refers to the registration of a new entity.

This type of sale is often associated with mergers and acquisitions, and SMC's activities include all banking and financial operations.

SMC's Comptes annuels also mention a change in their object social, which is French for "articles of association" or "object of the company".

An Assemblée Générale Mixte is a type of meeting where shareholders and other stakeholders come together to discuss and vote on important decisions.

During this meeting, nominations for members of the conseil de surveillance, or supervisory board, can be made. This is typically done to ensure the board has the right expertise and experience to guide the company.

The meeting may also involve the approval of apport partiel d'actif, or partial asset contribution, agreements with other companies, such as the Crédit du Nord or the Banque Courtois.

These agreements can be crucial for a company's growth and development, and the Assemblée Générale Mixte provides a platform for shareholders to review and approve them.

The meeting may also result in the augmentation du capital social, or increase in the company's capital, which can be achieved by modifying the company's statuts, or articles of association, as outlined in article 6.