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Our subsidiaries
- China
Insurance
Cardif is a unique player in the global personal insurance market.
By combining pragmatism and innovation, Cardif designs and markets, via multiple distribution channels, savings and protection products and services, for both individuals and groups.
Its multi-partnership approach is the source of its strength and specificity. By building and maintaining partnerships in each country, Cardif undertakes a customized process, in symbiosis with the markets, through products and distribution methods adapted to local expectations and constraints. In France, its home country, Cardif benefits from a strong base in bancassurance.
This versatile organization encourages operational flexibility and responsiveness, in increasingly competitive markets. Its capacity to adapt and its expertise in the management of partnerships guarantee the success of Cardif.
Since 1989, Cardif Group has become a truly global company. It is now present in 29 countries and is actively expanding by entering into partnership agreements on a regular basis. Today, Cardif has more than 150 institutional partners worldwide.
Cardif in China
By combining pragmatism and innovation, Cardif designs and markets, via multiple distribution channels, savings and protection products and services, for both individuals and groups.
Its multi-partnership approach is the source of its strength and specificity. By building and maintaining partnerships in each country, Cardif undertakes a customized process, in symbiosis with the markets, through products and distribution methods adapted to local expectations and constraints. In France, its home country, Cardif benefits from a strong base in bancassurance.
This versatile organization encourages operational flexibility and responsiveness, in increasingly competitive markets. Its capacity to adapt and its expertise in the management of partnerships guarantee the success of Cardif.
Since 1989, Cardif Group has become a truly global company. It is now present in 29 countries and is actively expanding by entering into partnership agreements on a regular basis. Today, Cardif has more than 150 institutional partners worldwide.
Cardif in China
Consumer Finance
Cetelem is the no 1 supplier of consumer credit in France and continental Europe(1) with EUR 53 billion in outstanding loans as of 31 December 2006 and more than 20,000 staff throughout the world (including the alliance with Cofinoga).
For more than 50 years, Cetelem has contributed to making consumer credit a modern and pragmatic solution to help consumers manage their household budgets.
Cetelem is a reference in the industry, known for its ability to innovate. Its high-quality service offerings – backed by outstanding technical expertise and tight risk control – meet most household financing needs, including personal loans, instalment sales and revolving credits.
Cetelem is the preferred partner of the retail industry and has a long tradition of helping large retailers, such as Carrefour, Conforama, Ikea, and Dell, to achieve their development goals across the globe. Since October 1, 2005, it has held joint control of Laser-Confinoga together with Galeries Lafayette.
Cetelem is also the partner of choice for banks and insurance companies that value its credit expertise – including AXA, Dresdner Bank, Banques Populaires, Caisses d'Épargne and KBC – as well as for providers of services to private individuals, such as EDF.
Cetelem also ensures the management of permanent credit card accounts granted by BNP Paribas' French Retail Banking network.
Cetelem currently operates in 26 countries, including 17 in Europe. Cetelem offers credit cards, loyalty cards and co-branded cards.
The company is pursuing international development, building on its European platform to establish strong worldwide positions.
www.cetelem.com.cn
For more than 50 years, Cetelem has contributed to making consumer credit a modern and pragmatic solution to help consumers manage their household budgets.
Cetelem is a reference in the industry, known for its ability to innovate. Its high-quality service offerings – backed by outstanding technical expertise and tight risk control – meet most household financing needs, including personal loans, instalment sales and revolving credits.
Cetelem is the preferred partner of the retail industry and has a long tradition of helping large retailers, such as Carrefour, Conforama, Ikea, and Dell, to achieve their development goals across the globe. Since October 1, 2005, it has held joint control of Laser-Confinoga together with Galeries Lafayette.
Cetelem is also the partner of choice for banks and insurance companies that value its credit expertise – including AXA, Dresdner Bank, Banques Populaires, Caisses d'Épargne and KBC – as well as for providers of services to private individuals, such as EDF.
Cetelem also ensures the management of permanent credit card accounts granted by BNP Paribas' French Retail Banking network.
Cetelem currently operates in 26 countries, including 17 in Europe. Cetelem offers credit cards, loyalty cards and co-branded cards.
The company is pursuing international development, building on its European platform to establish strong worldwide positions.
www.cetelem.com.cn