1. Consumer Credit in France, an everchanging world Nicolas Bertapelle © Jasmin

2. #1 Consumer credit, a tougherworld

3. #1 Consumer credit, a tougherworld … Revolving nearlydead …

4. #1 Consumer credit, a tougherworld Revolving monoliners, cash cows of Distribution Groups with profitability difficulties in their retail businesses Stakeholders’ special need for juicy dividends Riskycustomers, highprofitability 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 retailsubsidiariesdedicated to cc, immediateneed for a new model … Immediateneed for a new model …

5. #1 Consumer credit, a tougherworld 1.000 3.000 6.000 75.000 … New limits, new markets, newcomers…

6. #1 Consumer credit, a tougherworld … Sovereigndebt and public support …

7. #1 Consumer credit, a tougherworld … Liquidityremainscritical for manyhouseholds…

8. #1 Consumer credit, a tougherworld … from Revolving to Bank Overdrafts …

9. #1 Consumer credit, a tougherworld … Companies, Distribution and Shareholders …

10. #2 A world of opportunities

11. #2 A world of opportunities … 65 yearslowestrates helping the market …

12. #2 A world of opportunities … Distribution as the main battleground …

13. … and marketing has to create new paradigms … Technology Technology Finance Utilities Retail Mobile Technology Technology #2 A world of opportunities

14. … Time for new approaches… #2 A world of opportunities

15. #2 A world of opportunities Prime Market Luxury Basic … to betterunderstand consumer motives …

16. +Consumer friendly 2010 2015 +Facility +1to1 trends +Accessibility - Difficulty © Jasmin http://jasmin-veille.blogspot.com