Or more likely there has been invited by the Kremlin3 billion against a positive outcome of 6As sales where the automaker expected sell 9This requires that give meaning to the crisisEurope is sometimes difficult to speak with one voiceA litigant may not benefit from its contradictionsCalifornians of the Senate and the House are the key committees All are capable of passing alliances of circumstance with the other sideWe bet that London does that emerge fine wordsHowever the rural France fears to change pricesWhile the closure of its equity participation in Fidis is on track, the subsidiary of credit Crédit Agricole conso is not rest there. Based on this operation, which allows him to achieve half its stock out of France, Sofinco hope still thrive, in France as abroad. Now present in 19 countries, the company wants especially to complete its European network, notably in the East. An acquisition in Russia is not excluded. "It's a market here and that we are studying," confirms Patrick Valroff, President of Sofinco. Will be not an operation of the magnitude of that of Fidis (EUR 1 billion). "Everything is matter of opportunities but we will remain very cautious on the price," says CEO, looking towards the Bulgaria and the Romania.
In France, Sofinco has several projects. In a market which is less than last year (6.5 in the first half and settlement in the third quarter, after 9 in 2005), in particular because of the sluggishness of sales of automobiles and the rise of the interest rate, and fierce competition, the search for new products and new markets remains the priority. Sofinco placing first on the development of bank card Visa International for individuals.
Launched last year, it can pay cash or credit, is accompanied by advantages and costs 19 euros. "We have already sold close to 200,000 and we hope to distribute at least 100,000 more in 2007," discount Marie-Hélène Meunier, Assistant Director-General.
New economic model
Sofinco also seeks to strengthen its positions on recreation vehicles and intends to develop its production on the Internet. Not only the group is focused on growth of direct sales via this channel (more than a request for loan three in 2005) but it will announce end of November a set of services and partnerships in the field of e-commerce. "Our goal is to accompany the development of electronic commerce, which already represents half of the sales in remote," notes Marie-Hélène Meunier.
Finally, the subsidiary of the Crédit Agricole looking so-called customer "near premium", i.e. the interim, the intermittents du spectacle, or holders of a DDC not apprehended by the current scoring methods and low income households. "As this requires greater risk taking more than 2 of unpaid, against 1 today we are working on a new economic model because it is not question to pay the additional cost of credit to the client", continues Marie-Hélène Meunier. This model could pass through the creation of a back-office platform to the Morocco ("Les Echos" on June 21, 2006).
"If it is decided, we will launch this offer in the first quarter of 2007", said Patrick Valroff.
In the meantime, the company has completed an internal reorganization, which sparked concerns among the staff and the dissatisfaction of trade unions.
This site including resulted in the closure of 30 agencies call centers telephone and the Internet in the hexagon on 65 agencies that had the company two years ago. "But this is done without deletions of posts and some 180 employees concerned will propose a position is the majority in Sofinco, or in the Group: regional funds of the Credit Agricole and LCL", said Marie-Hélène Meunier. Wage negotiations will begin in January 2007. They announce strained.
