Cetelem Bank

Cetelem Bank is a joint venture between Sber and BNP Paribas Personal Finance. It issues consumer loans for car purchasing and emergency loans. No.1 Bank in the car loan market in terms of loan portfolio volume in 2019 (according to FrankResearchGroup). Car purchase loans include loans issued for purchasing any car make sold in the Russian market, as well as loans issued to individuals for purchasing second-hand cars. The Bank has launched 25 programs jointly with car manufacturers (top-1 in term of the number of partner programs). It is the largest participant of the government program for car loan subsidies. Its geographical footprint spreads from Kaliningrad to Vladivostok.

  • Business line within the ecosystem

    Financial services and Fintech

  • Year of foundation


  • Year of joining the ecosystem


  • Sber’s stake in the company


Synergies within the ecosystem

  • Cetelem Bank car loans are technologically integrated into Sber Online internet banking. To obtain a car loan, a customer can apply in Sber Online and get an approval from Cetelem Bank. Customers can follow up on their loans and manage repayments in Sber Online as well.

Development plans

  • 01

    Develop and expand the cooperation with partner car manufacturers and dealers to provide financial services and satisfy customer needs in terms of car purchasing.

  • 02

    Develop online technologies and improve customer experience.