Who are we ?

L’Observatoire Cetelem

L’Observatoire Cetelem is an economic research and intelligence unit founded in 1985 and headed by Flavien Neuvy. Each year it publishes a number of studies on the global automotive markets and household consumption in Europe. Present in 13 countries – Belgium, the Czech Republic, Denmark, France, Germany, Hungary, Italy, Poland, Portugal, Romania, Slovakia, Spain and the United Kingdom – L’Observatoire Cetelem has become a point of reference and a preferred partner for key players in the automotive and consumer sectors, with which it maintains close ties.

BNP Paribas Personal Finance

BNP Paribas Personal Finance, which operates under the Cetelem brand, is the number one consumer credit provider in France and Europe: auto loans, point-of-sale credit, consumer loans, credit cards, home loans, etc.
With almost 20,000 employees in 25 countries and four continents, and close to €123 billion in outstandings managed at the end of 2011, BNP Paribas Personal Finance is the first multi-specialist bank with the capacity to offer a comprehensive range of loans as well as savings, contingency and insurance products. BNP Paribas Personal Finance is also a benchmark when it comes to Responsible Credit®