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Regulatory information

The content of this site is for information purposes only and may not be equated with a public offering, solicitation or canvassing on behalf of Banque Delubac & Cie.

Information on financial instruments

The information on this site regarding financial instruments or products is provided for information purposes only and should not be construed as solicitation or investment advice.

Before carrying out any investment, we strongly recommend that you check with your usual adviser on the proposed instrument, its risks to your personal situation and make sure you understand the risks associated with it.

We would like to remind you that financial products may fluctuate, with a risk of capital loss.
Each client must tailor their investment to suit their skills, objectives and financial resources.

Past performance of a financial instrument does not provide information regarding future performance.

The information provided on our website is not destined to list, in an exhaustive manner, the risks that the client may face by benefiting from an investment service provided by Banque Delubac & Cie.

Best execution policy

Banque Delubac & Cie has an obligation to act in the best interests of its clients and must therefore take all sufficient measures to obtain the best possible result when executing orders or transmitting them for execution.

In this context, a best selection / execution policy has been developed.

Policy for the management and prevention of conflicts of interest

Banque Delubac & Cie is likely to be confronted with potential conflicts of interest which may arise during the provision of investment services and / or related services.

These are situations where the interests of one client may conflict with those of another client or those of Banque Delubac & Cie. This document sets out the policy for managing conflicts of interest that may arise in the exercise of the bank’s activities.

Code of conduct and whistleblower tool

The Delubac Group has implemented a Code of Conduct with the aim of highlighting the behaviors to adopt and those to avoid in situations that may pose a risk of corruption. This guide applies to all employees of the Delubac Group and serves as a reference for partners and third parties in a business relationship with the group.

The Delubac Group also provides a platform for anyone to report facts or attempts of crime, offense, threat, or harm committed within the Delubac Group.

Whistleblowers benefit from a protection regime as long as the report is made in good faith and without financial compensation. The platform, accessible from the link below, ensures the confidentiality of the whistleblower, the disclosed facts, and the individuals involved. The information is encrypted and stored in a secure independent environment.

Those responsible for handling alerts are bound by a commitment to confidentiality and will treat the report with the utmost attention.

I want to submit an alert

Warning for non-residents (residents outside France)

Access to the information on this site may be subject to restrictions with regard to certain persons or in certain countries. It is your responsibility before any subscription of a product to check with your usual advisers that your legal and tax status allows you to subscribe to products and services.

AERAS Convention

Insure yourself and borrow with an increased health risk.

The purpose of the AERAS convention is to propose solutions that facilitate access to insurance for people who have or have had a serious health problem when taking out a loan.

> For any question, please contact your account manager.

> The AERAS representative of Banque & Cie can be contacted on +33 1 44 95 49 55.

– Site www.aeras-info.fr

Banking mobility

For useful information regarding bank mobility, please consult the following guide:

Financial sector glossary

To help you understand the most commonly used banking and financial terms, please consult the glossaries of the Financial Sector Advisory Committee by clicking on the following link:

Consult the three glossaries (only accessible in french)

These glossaries, established for educational purposes, have no legal or contractual effect. Only the terms and conditions of the contractual documents issued by Banque Delubac & Cie bind the bank and its clients.

Access to banking services

Any natural or legal person domiciled in France, without a bank account, and to whom one or more bank(s) have refused to open an account, has the right to ask Banque de France to designate a bank to open the account. For more information on the right to access a bank account, please consult the following guide:

Client in financial fragility

Support to clients experiencing financial fragility

Banque Delubac & Cie is committed to supporting people experiencing financial fragility.

If you are experiencing financial fragility, know that the law has made provisions for a specific banking offer for individual clients who do not act for their professional interests.

What is the offer for clients experiencing financial fragility?

The specific banking offer allows clients to benefit from our automatic fee capping solution as well as a range of banking products and services.

Who is entitled to benefit from this specific offer?

Clients who find themselves in the following situations are recognised by Banque Delubac & Cie as experiencing financial fragility:

  • Over-indebtedness file in progress,
  • Registration for three consecutive months in the Central Cheque Register (FCC) on account of an unpaid cheque or credit card withdrawal,
  • Accumulation of 5 payment irregularities or incidents in the same month,
  • Accumulation of 4 or more account operating irregularities over 3 consecutive months.

The bank may also assess financial fragility using criteria based on income, payment incidents and repeated irregularities.

What is in the offer?

If one of the following criteria applies to you, Banque Delubac & Cie will offer you the specific offer[1] applicable to people experiencing financial fragility, namely:

  • Keeping, closing and even opening a deposit account;
  • The provision of a payment card with systematic authorisation which also allows payments and withdrawals;
  • The possibility to make payments by bank transfers (maximum 4 per month) or SEPA direct debits;
  • The possibility to ask for 2 bank cheques per month;
  • Consulting your account balance remotely through our digital banking solution;
  • Capping of bank charges to regularise incidents (intervention commissions): a maximum of 4 euros per transaction and 20 euros per month [2];

[1] The amount of the specific offer is €3/month.
[2] For fragile clients who have not accepted the specific offer, the monthly ceiling for incident costs is set at €25 per month.

If you are experiencing financial hardship and your customer adviser has not suggested this offer to you, please feel free to contact him or her to find the solution that best suits your situation.

Pillar III Repor

The Banque Delubac & Cie Group is subject to a consolidated regulatory periodic reporting obligation to the Prudential Control and Resolution Authority (ACPR), the Supervisory Authority.

In this regard, it adheres to Basel III regulations and annually prepares the so-called ‘Pillar III’ report on a consolidated basis.

The Banque Delubac & Cie Group complies with Regulation No. 575/2013 on prudential requirements for credit institutions (Capital Requirements Regulation – CRR) and Directive No. 2013/36 on access to the activity of credit institutions and the prudential supervision of credit institutions (Capital Requirements Directive IV – CRD IV).

Risks associated width digital assets

This document aims to present the various risks associated with crypto assets and raise awareness among investors.