Prague, October 2006. 2 Consumer finance A social and economic role.

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Presentation transcript:

Prague, October 2006

2 Consumer finance A social and economic role.

3 Consumer finance in the world 3 possibilities... - cards - bank overdrafts - classic loans 3 levels of indebtedness...

4 Indebtedness in Europe

5

6

7 Overindebtedness in France -In 73% of cases: accidents of life (unemployment, illness, separation) -In 14% of cases: too many loans Source Banque de France / 2005 survey

8 Cetelem Focus -N° 1 in consumer finance in France and continental Europe -N°2 in the Czech Republic - 25 countries in the world

9 Cetelem Focus A mission : -To develop responsible credit ‘YES to the development of credit, NO to overindebtedness’

10 Conclusion Cetelem is the first player to combat overindebtedness.