A broad-based distribution system

Via its own brands

BNP Paribas Personal Finance distributes its own products under the Cetelem brand or the local brand identity. These products are available at the point of sale (stores, automobile dealerships, etc.), via approved intermediaries (insurance brokers, real estate agents, developers, etc.) and directly via the company’s customer relationship centers or over the Internet.

Via stron partnerships

In addition to marketing its own products, BNP Paribas Personal Finance has made partnership a distinct and important part of its business by making its expertise available to banks, insurers and other brands. In doing so, BNP Paribas Personal Finance has established itself in France as the partner of choice for the largest retail chains (including Carrefour, IKEA®*, BUT and Conforama), service providers, banks (the BPCE Group and its Banque Populaire and Caisse d’Épargne networks) and insurance companies (AXA). BNP Paribas Personal Finance is also building similar partnerships in other European countries, with particular emphasis on Germany via Commerzbank** and Allianz, and Belgium via BNP Paribas Fortis.

* ® Inter IKEA Systems B.V. 2010.
** In Germany, BNP Paribas Personal Finance products and services are distributed exclusively by Commerz Finanz, the company owned jointly by BNP Paribas Personal Finance and Commerzbank.

... in distribution and retailing

  • But
  • Carrefour
  • Conforama
  • Distinxion
  • EdF
  • Ikea
  • Suzuki

... online


  • Dell
  • LaCentrale.fr
  • Paypal

... in real estate

  • AXA
  • COMMERZBANK
  • Groupe BPCE
  • NATIXIS

...en immobilier

  • CAFPI
  • EMPRUNTIS
  • ERA IMMOBILIERr
  • FNAIM
  • meilleurtaux.com
  • OrpiORPI