1.

Cetelem was established in 1953 and was one of the best in consumer credit and later in Internet
credit in 1997. It is the market leader in France and Continental Europe, with operations in 29
countries on 5 continents. It has almost 60 billion euros of outstanding credit and 23,000 employees.
Cetelem is also the partner of choice for businesses, banks, and insurance companies, providing them
with expertise in consumer credit.

They are providing investment, private banking, insurance, asset management and private equity.

2.
The Cetelem brand appeared on the Slovak market in 2000
Member of one of the largest banks in the world - BNP PARIBAS
more than 1.85 million granted loans in Slovakia.
Average number of employees – 140
leading financial company specializing in the provision of consumer loans: purchase on installments,
personal loans, and credit cards
Cetelem is associated with innovations in the field of consumer financing.

The company was the first to launch a new distribution channel for credit products.

Thanks to the special technology, it allows you to get a loan online without the need to visit the bank.

In addition to the convenience of the equipment, a unique advantage is the immediate result of the
assessment, which the automatic processing system provides to the applicant.

On July 1, 2016, CETELEM became branch of BNP PARIBAS PERSONAL FINANCE SA.

It continues to use the Cetelem trademark for its activities

BNP Paribas Personal also operates in another 33 countries such as

Algeria, Austria, Belgium, Botswana, Brazil, Bulgaria, China, Czech Republic, Denmark, France,
Germany, Greece, Hungary, Italy, Luxembourg, Mexico, Morocco, Namibia, Norway, Poland, Portugal,
Romania, Russia, Slovakia, South Africa, Spain, Sweden, Switzerland, Netherlands, Tunisia, Turkey,
Ukraine, United Kingdom.
3.

Personal loan

Loan insurance

Credit cards

purchases on installments

insurance

Insurance fee
Insurance files (% of the monthly payment)

Basic set of insurance for cases*:

 incapacity for work

 full and permanent disability 3,33 %
 of death

Standard set of insurance for cases:

 of death
 full and permanent disability
 incapacity for work 4,99 %
 co-borrower insurance
 hospitalization

Extended set of insurance for cases:

 job losses
 incapacity for work
 full and permanent disability 6,99 % **
 of death
4.

Insurances

• Credit solvency insurance

• Insurance of regular payments

• Personal belongings insurance

• Travel insurance for the Cetelem credit card

• Travel insurance from Union

• Supplementary health insurance

5.

When you click "Pay for an order" online in the store, a new verification process will begin and you
will be redirected to the payment verification page, while they monitor the risk of your purchase in
real time.

low-risk transactions can be approved without an additional step, that is, you do not need to enter an
SMS code or confirm the payment through the application

if a higher level of transaction security is required, you will be prompted to authorize the payment:

either via SMS code + ePIN, if you do not have an application,

or the application sends you a push notification and you approve the payment with your fingerprint
or facial recognition in our Cetelem mobile application

you don't have internet on your mobile but you have our application? You then simply confirm the
transaction with a code generated by the QR scanner in the application - Offline mode

The merchant will receive a confirmation that the verification went well and your order is complete.
You just watch the screen while shopping as the purchase is completed.