Consumer Credit in

France, an ever changing world

Nicolas Bertapelle © Jasmin

#1Consumer credit,a tougher world

… Revolving nearly dead …

#1 Consumer credit, a tougher world

Stakeholders’ special need for juicy dividends

Risky customers, high profitability

Monoliners, best profitability of CC sector, then downturn and new rules, threat of death, need for external financing

End of the game and no more retail subsidiaries dedicated to cc, immediate need for a new model

#1 Consumer credit, a tougher world

… Immediate need for a new model …

Revolving monoliners, cash cows of Distribution Groups with profitability difficulties in their retail businesses

1.0003.0006.00075.000

… New limits, new markets, newcomers …

#1 Consumer credit, a tougher world

… Sovereign debt and public support …

#1 Consumer credit, a tougher world

… Liquidity remains critical for many households…

#1 Consumer credit, a tougher world

… from Revolving to Bank Overdrafts …

#1 Consumer credit, a tougher world

… Companies, Distribution and Shareholders …

#1 Consumer credit, a tougher world

#2 A world of

opportunities

… 65 years lowest rates helping the market …

#2 A world of opportunities

… Distribution as the main battle ground …

#2 A world of opportunities

… and marketing has to create new paradigms …

Utilities

Finance

Mobile

Reta

il#2 A world of opportunities

#2 A world of opportunities

… Time for new approaches …

Prime

Marke

t

LuxuryBasic

#2 A world of opportunities

… to better understand consumer motives …

20102015

+Consumer friendly

- Difficulty

+Facility+1to1

+Accessibility

trends

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