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BNP Paribas Personal Finance Observatoire Cetelem

Observe, enlighten and decipher the evolution
of consumption patterns in France and abroad

Our latest study

Consumption in Europe: the quest for enjoyment holds firm

Given the unrelenting succession of crises affecting the planet – whether they relate to health, politics, geopolitics or inflation – there’s one word we thought might have disappeared from our vocabulary: enjoyment. And yet…

View the study

Download the full study

Consumption in Europe: the quest for enjoyment holds firm

Given the unrelenting succession of crises affecting the planet – whether they relate to health, politics, geopolitics or inflation – there’s one word we thought might have disappeared from our vocabulary: enjoyment. And yet…

View the study

Download the full study

Our news

Automotive

Automotive Observatory 2025 – Cars: an eternal youth?

At L’Observatoire Cetelem, we regularly take the pulse of industries, products, innovations and generations

See the study

Consumption

Housing Observatory 2025 – Housing: A commitment under financial pressure

Current status of housing importance and energy performance in Europe

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The Consumption Minute and the Mobility Minute

Our upcoming events, international news from the Cetelem Observatory and market highlights

Episode 11 - November 2025

French economy resists!

Discover the Consumption Minute of the month

Episode 11 - November 2025

Motorcycles, in or out?

Discover the Mobility Minute of the month

Automotive and Consumption reports

Discover our Auto
study

Discover our Conso
study

Discover our Housing
study

The French video library

L’OBSERVATOIRE CETELEM DE LA CONSOMMATION 2022 – Press conference

CES 2022: A review by Flavien Neuvy!

How to explain the global success of SUVs?

L’OBSERVATOIRE CETELEM DE L’AUTOMOBILE 2022 – Press conference

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