Cardif is a personal insurance company and a subsidiary of BNP Paribas.
Since 1973 Cardif has offered a range of products and services in the area of saving, as well as retirement and provident products in the form of separate or collective investment vehicles for private and corporate customers.
Cardif is present in 27 countries and now has more than 150 institutional partners throughout the world.
www.cardif.comCetelem is the no 1 supplier of consumer credit in France and continental Europe with EUR 53 billion in outstanding loans as of 31 December 2006 and more than 20,000 staff throughout the world (including the alliance with Cofinoga).
For more than 50 years, Cetelem has contributed to making consumer credit a modern and pragmatic solution to help consumers manage their household budgets.
Cetelem is a reference in the industry, known for its ability to innovate. Its high-quality service offerings – backed by outstanding technical expertise and tight risk control – meet most household financing needs, including personal loans, instalment sales and revolving credits.
Cetelem is the preferred partner of the retail industry and has a long tradition of helping large retailers, such as Carrefour, Conforama, Ikea, and Dell, to achieve their development goals across the globe. Since October 1, 2005, it has held joint control of Laser-Confinoga together with Galeries Lafayette.
Cetelem is also the partner of choice for banks and insurance companies that value its credit expertise – including AXA, Dresdner Bank, Banques Populaires, Caisses d'Épargne and KBC – as well as for providers of services to private individuals, such as EDF.
Cetelem currently operates in 26 countries, including 17 in Europe. Cetelem offers credit cards, loyalty cards and co-branded cards.
Cetelem also ensures the management of permanent credit card accounts granted by BNP Paribas' French Retail Banking network.
The company is pursuing international development, building on its European platform to establish strong worldwide positions.
www.cetelem.com.cn
