{"id":17715,"date":"2025-10-07T14:11:11","date_gmt":"2025-10-07T12:11:11","guid":{"rendered":"https:\/\/www.jep.be\/?p=17715"},"modified":"2025-10-07T14:11:12","modified_gmt":"2025-10-07T12:11:12","slug":"ing-07-10-2025-abstention","status":"publish","type":"post","link":"https:\/\/www.jep.be\/fr\/ing-07-10-2025-abstention\/","title":{"rendered":"ING 07-10-2025 : Abstention"},"content":{"rendered":"<h3><strong>Adverteerder \/ Annonceur: ING<\/strong><\/h3>\n<h3><strong>Product-Dienst \/ Produit-Service: Placement<\/strong><\/h3>\n<h3><strong>Media \/ M\u00e9dia: Internet (site) <\/strong><\/h3>\n<h3><strong>Beschrijving van de reclame \/ Description de la publicit\u00e9 <\/strong><\/h3>\n<p>Sur la page du site web concern\u00e9e, on peut entre autres lire ce qui suit :<br \/>\n\u00ab Communication \u00e0 caract\u00e8re promotionnel<br \/>\nDonnez plus de go\u00fbt \u00e0 votre \u00e9pargne<br \/>\nGoldman Sachs Bank Europe SE (DE) Comfort Invest Personal Portfolio 10\/2028 : un placement \u00e0 3 ans.<br \/>\nLes caract\u00e9ristiques de ce produit :<br \/>\nD\u00e9couvrez le Titre de cr\u00e9ance structur\u00e9\u00b9 \u2018Goldman Sachs Bank Europe SE (DE) Comfort Invest Personal Portfolio 10\/2028\u2019 \u00bb.<br \/>\nEn dessous, sous \u00ab Rendement potentiel \u00bb :<br \/>\n\u00ab B\u00e9n\u00e9ficiez d\u2019un rendement brut potentiel plafonn\u00e9 \u00e0 15 % maximum apr\u00e8s 3 ans, li\u00e9 \u00e0 la performance du sous-jacent (ING Personal Portfolio Balanced (R CAP) -BE0947715257).<br \/>\nToutefois, il existe un risque de ne r\u00e9aliser aucun b\u00e9n\u00e9fice et m\u00eame de perdre une partie du capital apr\u00e8s d\u00e9duction des frais. Vous trouverez l&rsquo;information sur les risques plus bas dans la page et une information compl\u00e8te dans le prospectus (en particulier dans la section \u2018Risk Factors\u2019). \u00bb.<br \/>\nEn dessous, une s\u00e9rie d\u2019informations sous \u00ab Frais \u00bb, \u00ab Risques \u00bb,<br \/>\n\u00ab Documentation Juridique \u00bb, \u00ab Caract\u00e9ristiques principales \u00bb, etc.<\/p>\n<p><strong style=\"color: revert; font-size: revert;\">Klacht(en) \/ Plainte(s)<\/strong><\/p>\n<p>La plaignante, une organisation de consommateurs, communique que lorsqu\u2019on parcourt les caract\u00e9ristiques du produit, l\u2019attention est imm\u00e9diatement attir\u00e9e par le rendement potentiel de 15% maximum, indiqu\u00e9 en gras dans le texte. Or, beaucoup plus bas sur la page, il appara\u00eet que le rendement net, apr\u00e8s frais et taxes, sera compris, apr\u00e8s 3 ans, entre -0,50% et 2,87% net, sur base annuelle, le rendement de 2,87% correspondant \u00e0 un sc\u00e9nario favorable dont l\u2019investisseur lambda pourra difficilement estimer la probabilit\u00e9 de survenance.<br \/>\nPlut\u00f4t que de mettre en avant le rendement de 15% maximum, qui ne sera par ailleurs jamais atteint en raison des frais d\u2019entr\u00e9e de 1,5%, la plaignante demande pourquoi la FSMA n\u2019a pas impos\u00e9 d\u2019indiquer la fourchette de rendement comprise entre -0,50% et 2,87% net, sur base annuelle. Et il faut encore d\u00e9duire le pr\u00e9compte mobilier de 15%. 15%, c\u2019est par ailleurs un rendement cumul\u00e9 qu\u2019on touchera (peut-\u00eatre) apr\u00e8s 3 ans. L\u2019usage veut plut\u00f4t qu\u2019on affiche les rendements sur base annuelle. Ce qui permet de comparer plus facilement les produits entre eux. Mais afficher un rendement cumul\u00e9 est \u00e9videmment plus vendeur qu\u2019un rendement annualis\u00e9.<br \/>\nLe consommateur lambda aura son attention attir\u00e9e par le rendement de 15%. Et m\u00eame si le risque de ne r\u00e9aliser aucun b\u00e9n\u00e9fice est pr\u00e9cis\u00e9, c\u2019est le chiffre de 15% qu\u2019on retient.<br \/>\nLa bonne pratique aurait donc voulu de mette en avant le vrai rendement : entre -0,50% et 2,87% net par an, au bout de 3 ans. En choisissant d\u00e9lib\u00e9r\u00e9ment de mettre en avant 15%, et m\u00eame si la banque respecte les r\u00e8gles, selon la FSMA, on ne peut s\u2019emp\u00eacher de penser que l\u2019annonceur n&rsquo;informe pas correctement ses clients.<\/p>\n<h3><strong>Beslissing Jury in eerste aanleg: Onthouding<br \/>\nD\u00e9cision Jury de premi\u00e8re instance: Abstention<\/strong><\/h3>\n<p>Le Jury d\u2019Ethique Publicitaire (JEP) de premi\u00e8re instance a pris la d\u00e9cision suivante dans ce dossier.<\/p>\n<p>Le Jury a pris connaissance de la communication \u00e0 caract\u00e8re promotionnel sur le site web concern\u00e9 et de la plainte qui la concerne.<\/p>\n<p>Il a entre autres constat\u00e9 que dans la plainte, une question s\u2019adresse \u00e0 la FSMA (Autorit\u00e9 des services et march\u00e9s financiers).<\/p>\n<p>Suite \u00e0 la r\u00e9ponse de l\u2019annonceur et aux pi\u00e8ces communiqu\u00e9es, il a ensuite constat\u00e9 que la FSMA a \u00e9t\u00e9 directement contact\u00e9e en ce qui concerne cette m\u00eame communication.<\/p>\n<p>Sur la base de l\u2019article 2 de son R\u00e8glement, qui stipule que lorsqu\u2019un message publicitaire fait l\u2019objet d\u2019un examen devant une juridiction ordinaire ou administrative \u2013 avant ou pendant le traitement du dossier par le Jury \u2013 ce dernier peut d\u00e9cider de s\u2019abstenir de trancher, le Jury a d\u00e9cid\u00e9 de ne pas se prononcer dans ce dossier.<\/p>\n<p>Veuillez noter que cette d\u00e9cision ne devient d\u00e9finitive qu\u2019apr\u00e8s l\u2019expiration du d\u00e9lai d\u2019appel.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Adverteerder \/ Annonceur: ING Product-Dienst \/ Produit-Service: Placement Media \/ M\u00e9dia: Internet (site) Beschrijving van de reclame \/ Description de la publicit\u00e9 Sur la page du site web concern\u00e9e, on peut entre autres lire ce qui suit : \u00ab Communication \u00e0 caract\u00e8re promotionnel Donnez plus de go\u00fbt \u00e0 votre \u00e9pargne Goldman Sachs Bank Europe SE [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[107,108],"tags":[],"class_list":["post-17715","post","type-post","status-publish","format-standard","hentry","category-beslissingen","category-decisions"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.1 - 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