Vladimír Urbánek (Kurzy.cz)
Personal finance  |  February 08, 2013 15:14:01

Cetelem in 2012 lent CZK 10.37 billion, up by 6.4%

Cetelem has consolidated its position as the market leader in consumer lending. While the volume of consumer loans to non-bank companies stagnated last year, the company Cetelem has seen an annual increase of new loans by 6.4 percent and their clients loaned 10.37 billion crowns.   The companies associated in the Czech Leasing and Financial Association grew market share Cetelem year from 28 to 30 percent. Cetelem confirmed that while further strengthening its position as the largest non-bank provider of credit products on the Czech market.

"Despite the adverse conditions of the Czech and world economy, the company succeeded in virtually all areas. Substantial increase we have seen particularly in the Internet and we expect this trend to continue this year," says business results Vaclav Horak, CEO of Cetelem ČR, and

Personal Financial volume of loans taken online grew by 19 percent. The volume of purchases on installment from Internet retailers rose by 9 percent, largely due to expansion of special offers at top-partners.   Increasingly popular and used becomes the Virtual Card Cetelem, a credit card designed for Internet payments, which is independent experts been rated as one of the safest tools for Internet payments at all. The volume of transactions made ??this card last year increased by 23 percent.

"People are increasingly shopping on the Internet, not only in the Czech e-shops, but also from foreign online retailers. The proportion of transactions made ??on foreign websites, however, changed in the last year and formed again, 40 percent of the total number of transactions and the same proportion of occupied also in terms of financial value, "added Horak.

Undergoing a virtual card last year a number of innovations. Since mid micropayments is possible, clients can extend the validity of payment information, and among other changes occurred in Virtual cards as well as the possibility of extension of payments through various payment systems, such as Amazon Payments, PayPay, References, and many others. Other innovations, such as starting zones in the mobile client.

This year the company plans to re-focus on the development of the Internet. In addition to the new site prepared Cetelem further simplification and greater availability of online products. The company wants to increase focus on loans for cars and motorcycles.


Company CETELEM Czech Republic, asis a strong and stable company with a strong position in the Czech financial market, ranking among the most important non-bank credit products and services. Last year the company celebrated sixteen years of successful operation on the Czech market for consumer loans. Throughout its history became an innovator and a pioneer in many areas, especially on the Internet. Cetelem was established in October 1996 and its business activity began a year later in June. The basic principles of the company are from the very beginning of its operation principles of responsible lending. Cetelem is licensed credit institutions issued by the Czech National Bank.The license is proof that the company complies with the strict regulatory requirements similar to requirements imposed on banks and testament to the integrity and stability of the Czech financial market. The company offers a highly competitive portfolio of products based on responsible and individual approach to each client. Through its network of branches and network of business partners offer clients: classic consumer loans, provided at point of sale of goods and services, personal loans, credit cards, financing products for motor vehicles and some types of insurance

Cetelem is a wholly owned subsidiary of the French bank BNP Paribas Personal Finance, which offers consumer loans since 1953 (until 2008 under the brand Cetelem). In 60 years of business gradually expanded its activities into the field more than three dozen countries on four continents. BNP Paribas Personal Finance is an international financial group BNP Paribas, one of the six strongest banks in the world and number one in the Eurozone, what is the volume of deposits is concerned.




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