In Russia, BNPParibas offers a wide range of financial products to individual customers through two successful partnerships: consumer lending.
Cetelem Russiaspecializes in consumer credit activities including Point of Sale (POS)
loans, auto loans and credit cards.
Cetelem started its activities on the Russian market in 2007. In 2012, BNP Paribas
Personal Finance, owner of the Cetelem brand, and Sberbank, Russia’s leading bank, created a joint venture on the POS market that is operating under the Cetelem brand.
Cetelem markets a broad range of solutions and grants consumer loans in more than 4,000 points of sale in retail stores and car dealerships. It covers 67 regions spanning over 7 time zones from Kaliningrad in the West to Yakutiya in the East.
Cetelem’s sustained vision consists on improving the quality of daily life for its customers. It supports the?“Responsible lending”?concept and provides households with the necessary information to draw up their budget and decide how much they can sensibly afford to borrow.