Výroční zpráva\Annual Report - CETELEM ČR, as
Výroční zpráva\Annual Report - CETELEM ČR, as
Výroční zpráva\Annual Report - CETELEM ČR, as
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Cetelem Group<br />
FINANCIAL SUMMARY<br />
Double-digit growth<br />
Results 1 in millions of euros 2006 2005 Change 2006/2005<br />
NBI (Net banking income) 2,684 2,015 33%<br />
GOP (Gross operating profit) 2 1,166 917 27%<br />
Operating profit 3 646 464 39%<br />
Pre-tax profit 734 602 22%<br />
Intermediation ratio 4 75% 76% -1 pt<br />
Gross ROA 2% 1.8 % 20 bp<br />
1 Contribution to BNP Parib<strong>as</strong> consolidated profit.<br />
2 GOP = NBI - General expenditure.<br />
3 Operating profit = GOP - Risk.<br />
4 Intermediation ratio = (Overheads Risk/NBI).<br />
Production Cetelem, excluding LASER-Cofinoga In billions of euros France Excluding France<br />
2003 9.8 10.2<br />
2004 10.8 11.9<br />
2005 11.9 14.6<br />
2006 13.8 17.4<br />
Production In billions of euros 2006 2005 Change 2006/2005 Breakdown 2006<br />
France 13.8 11.9 16% 35%<br />
Excluding France 17.4 14.6 19% 45%<br />
LASER-Cofinoga (excluding Linéa and Crediplus)* 7.7 6.4 20% 20%<br />
Total 38.9 32.9 18% 100%<br />
* Subsidiaries disposed of in 2006<br />
Outstanding loans under management Cetelem, excluding LASER-Cofinoga In billions of euros France Excluding France<br />
2003 17.9 11.0<br />
2004 19.0 12.8<br />
2005 19.5 15.8<br />
2006 22.6 19.5<br />
Outstanding loans under management in billions of euros 2006 2005 Change 2006/2005 Breakdown 2006<br />
France 22.6 19.5 16% 42%<br />
Including outstanding loans managed<br />
on behalf of the parent company<br />
1.2 1.2 = 2%<br />
Excluding France 19.5 15.8 23% 37%<br />
LASER-Cofinoga (excluding Linéa and Crediplus)* 11.2 9.2 18% 21%<br />
Total 53.4 44.8 19% 100%<br />
*Subsidiaries disposed of in 2006.<br />
VÝROČNÍ ZPRÁVA\ANNUAL REPORT 2006 15
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