1. Prague, October 2006

2. 2 Consumer finance A social and economic role.

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

4. 4 Indebtedness in Europe

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6. 6

7. 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. 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. 9 Cetelem Focus A mission : -To develop responsible credit ‘YES to the development of credit, NO to overindebtedness’

10. 10 Conclusion Cetelem is the first player to combat overindebtedness.