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Strong commercial brands
BNP Paribas Personal Finance is built on strong brands that enjoy a high profile in their operating countries and embody the values of the company.
Customer oriented brands with shared values
The everyday operation of BNP Paribas Personal Finance brands is guided by six key values. Three relate to the company’s commitment to ethical practice: responsibility, friendliness and transparency. The remaining three give direction to the way it does business: consideration, proximity and innovation. These values form the basis for the way the company conducts itself, regardless of the country in which its teams are working… with the ultimate aim of ensuring responsible lending.
The B to B brands
- BNP Paribas International Buyers
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BNP Paribas International Buyers is the European leading specialist lender for international buyers of French residential properties, and also funds consumer purchases in selected countries outside France. With more than 18 years of experience in these markets, the company is structured around its French network based in Lille, and an international network of intermediaries in the United Kingdom, Ireland, The Netherlands, Belgium, Turkey and Italy.
- AlphaCredit
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This company is a major player in the Belgian and Luxembourg consumer credit markets, leads the market in dealership automobile loans, is the BNP Paribas Fortis credit provider in Belgium and acts in the same capacity for BGL BNP Paribas in Luxembourg.
- UCI
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Operating in Spain, Greece and Portugal, UCI leads the market for home equity loans. It is owned 40% by BNP Paribas Personal Finance, 10% by BNP Paribas and 50% by Santander.
- LaSer
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Owned 50/50 by BNP Paribas Personal Finance and the Galeries Lafayette Group, LaSer is the European market leader in intermediary and customer relationship services. LaSer is also the leading own-label store card operator in Europe, with 20 million customers, and leads the French loyalty card market from its status as a member of the S’Miles® alliance.
Consumer brands
Cetelem, Findomestic and Crédit Moderne are the three major brands of BNP Paribas Personal Finance. All share the same branding mascot Credito, a character that embodies the friendliness of the relationship and its central concepts of advice, service, guarantee and protection. In France, Credito is recognized spontaneously by 93% of the population, and 63% of people associate the character with Cetelem. Overall awareness of these consumer brands stands at 90% for Cetelem, 88% for Findomestic and over 80% for Crédit Moderne.
- Cetelem
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Personal loans (consumer credit and home loans). Argentina, Brazil, Czech Republic, France, Hungary, Portugal, Romania, Russia, Slovakia, Spain, and Turkey. Sales brand in France and internationally.
- Findomestic
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Consumer credit. Number 2 in Italy.
- Crédit Moderne
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Consumer credit. Number 2 in the French overseas departments and territories.
