BNP Paribas Personal Finance, operating under Cetelem brand is #1 in France and Europe in personal loans: car loans, points-of-sale loans, consumer loans, credit cards, mortgage etc.
With 29 000 employees in 30 countries on 4 continents and over €100 billion in outstanding loans as of the end 2007, BNP Paribas Personal Finance is Europe's leading multi-specialist with the ability to offer a comprehensive range of personal loans. It is also a reference in the field of responsible lending.

About Cetelem in Russia
Cetelem offers a whole range point-of-sale credit products tailored both to retailers, car dealers and their customers. The company is presented in more than 19 regions in Russia, where it operates since 2007 as a structural unit of "BNP PARIBAS" ZAO.


For further information:
www.cetelem.com and www.cetelem.ru

ARVAL - 100% subsidiary of BNP Paribas Group was created in 1989 and is an international leader in Operational Leasing and the management of corporate vehicles. ARVAL is present in 39 countries round the world with 22 subsidiaries and partnership network in 17 countries. A leading company in the Operational Leasing market in France as well as in Europe, with 602 000 leased vehicles and 688 000 vehicles managed at the end of 2008.

About ARVAL in Russia
Established in Russia in 2006, ARVAL is now Number 2 on the Russian market of Operational Leasing and provides the full set of products and services regarding the corporate fleet management. ARVAL's services include vehicles purchasing, financing, administration, taxations, services, repairing, insurance, accidents management, fuel programs. ARVAL is presented in 9 cities of Russia and by the April, 2009 Company's fleet counts 4100 vehicles located in 90 cities of Russia.


For further information:
www.arval.com and www.arval.ru

CARDIF is a BNP Paribas Assurance's company, the insurance arm of BNP Paribas. CARDIF develops and markets savings and protection solutions which are distributed via banks and other partner channels. Being No 1 worldwide creditor insurance company and coming into top 20 insurance companies in Europe, it develops and markets its products and services in 41 countries. CARDIF holds "AA" rating assigned by Standard & Poor's and cooperates with 35 out of top 100 banks in the world.

CARDIF in Russia
In July, 2007 CARDIF created 100% subsidiary in Russia (OOO “Insurance company CARDIF”) which received a license for insurance activities in the late 2007 and up to date has launched several joint bancassurance projects with large retail banks in Russia.

For further information:
www.cardif.com