Prague, October 2006

2

Consumer finance

A social and

economic role.

3

Consumer finance in the world

3 possibilities...

- cards

- bank overdrafts

- classic loans

3 levels of indebtedness...

4

Indebtedness in Europe

5

Indebtedness in Europe

6

Indebtedness in Europe

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

Cetelem Focus

- N° 1 in consumer finance in France and continental Europe

- N°2 in the Czech Republic

- 25 countries in the world

9

Cetelem Focus

A mission :

- To develop responsible credit

‘YES to the development of credit,

NO to overindebtedness’

10

Conclusion

Cetelem is the first player to combat overindebtedness.