Who are we ?

L’Observatoire Cetelem

For more than 30 years, L’Observatoire Cetelem has conducted economic surveys in a number of areas, including the automotive sector and consumer spending. By publishing two surveys each year, one on the global automotive industry (15 countries), the other on European consumer spending 17 countries), L’Observatoire Cetelem has emerged as a leading light when it comes to knowledge and understanding of these sectors of activity.

The international nature of the surveys produced, bolstered by a presence in 24 countries – South Africa, Germany, Austria, Belgium, Brazil, Bulgaria, China, Denmark, Spain, United States, France, Hungary, Italy, Japan, Mexico, Norway, Poland, Portugal, Czech Republic, Romania, United Kingdom, Slovakia, Sweden and Turkey – also contributes to its global reach.

L’Observatoire Cetelem also provides analysis and consumer trend monitoring services with:
l’Œil: casting a light on the latest consumer developments.
A look at new ways of addressing the market and new consumer attitudes.

les zOOms, a glimpse of today’s lifestyles.
Triple-level surveys for an in-depth view of a given topic.

Flavien Neuvy, head of L’Observatoire Cetelem
Patricia Bosc, editorial manager & contents

Facebook : https://www.facebook.com/observatoirecetelem/
Twitter : https://twitter.com/obs_cetelem

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®