bank and services type soci t anonyme industry automotive financing insurance and related services founded 21 august 1974 1974 08 21 1 headquarters noisy le grand france 2 area served worldwide key people gianlucca de ficchy ceo dominique thormann chairman revenue 1.36 billion 2015 3 operating income 844 million 2015 3 profit 539 million 2015 3 total assets 37.07 billion end 2015 3 total equity 3.51 billion end 2015 3 number of employees 2 830 2011 parent renault website www.rcibs.com rci banque sa french pronunciation se i b k trading as rci bank and services 4 and formerly known as renault cr dit international is a france based international company that specialises on automotive financing insurance and related activities for the renault group brands renault renault samsung motors dacia globally and for the nissan group brands nissan infiniti datsun in europe russia and south america . rci banque is a wholly owned subsidiary of renault . 2 5 6 contents 1 history 2 activities 2.1 zesto 3 management 3.1 executive committee 3.2 board of directors 4 sponsorship 5 references 6 external links history edit the company was founded by renault in 1974 2 as the soci t financi re de renault or sofiren 7 being intended as a way of financing sales for its dealerships and to manage the automaker s cash flow . on 27 june 1980 it was renamed renault cr dit international rci . 7 in 1990 it merged with diac 8 diffusion industrielle et automobile par le cr dit sa a company formed in 1924 by louis renault 9 as a result of the lack of liquid funds after the 1921 crisis 10 and with similar objectives but focused exclusively on loans for the purchase of vehicles 11 today diac operates as a rci banque s wholly owned subsidiary . 12 by 1990 rci contributed with more than one third of renault group s net income . 13 in november 2001 the company was named rci banque . 2 in february 2016 as part of a corporate image revamp rci banque adopted the commercial name rci bank and services . 4 activities edit rci bank and services offers automobile financing lines 11.09 billion euros in financing and 1 024 771 vehicles at the end of 2011 insurance 2.5 million active insurance policies at the end of 2011 and related services including car loans used and brand new rentals with purchasing options leases long term rentals for retail customers and services such as maintenance extended warranties roadside assistance fleet management and credit cards . 2 6 the company also finances new vehicles used vehicles and spare parts as well as short term cash requirements for the renault nissan alliance dealerships . it has subsidiaries in argentina brazil colombia mexico algeria morocco turkey russia ukraine south korea and the european union . 2 rci bank and services is one of the largest issuers of auto loan asset backed securities in europe . in 2004 it had together with the psa banque a 10 percent participation only behind volkswagen and fiat banks . 14 zesto edit in february 2012 rci banque launched the zesto savings accounts which were opened to a general clientele . this internet based operation was the first of its type to be performed by an automaker s subsidiary in france . 15 the launch was accompanied by a tv commercial from romain kunstlinger . 16 the success of this initiative 17 led to other automotive groups operating in the french market as psa peugeot citro n to consider launching similar projects . 18 at the end of 2012 rci banque announced plans to extend zesto to germany . 17 the german version of zesto was launched in 2013 and was called rci bank direkt . in january 2014 zesto bank direkt had over 136 000 customers . 19 in june 2015 rci banque s british subsidiary rci bank launched a savings account system in the united kingdom becoming the first car manufacturer related financial company to do so . 20 the newspaper the daily telegraph published a report on rci savings by james daley the founder and managing director of fairer finance a consumer group and financial ratings website . daley criticised rci by saying that it does not have a british banking licence is not a member of the financial services compensation scheme fscs and its credit rating is bbb . 21 other analysts as lee boyce from dmg media s this is money while also criticising the non membership to fscs praised the rci bank s savings accounts for their accessibility and for pushing rival banks to offer better returns . 22 management edit executive committee edit gianluca de ficchy chief operating officer alice altemaire vice president accounts and performance control dominique signora vice president territories daniel rebbi vice president sales & marketing jean philippe vall e vice president customer operations umberto marini vice president is it h l ne tavier vice president human resources jean marc saugier vice president finance and group treasurer patrick claude vice president corporate secretary and risk functions board of directors edit dominique thormann chairman of the board farid aractingi philippe buros patrice cabrier bernard loire ric spielrein j r me stoll st phane stoufflet philippe gamba honorary chairman gilbert guez honorary chairman sponsorship edit rci banque s diac sponsored the renault sport assisted r5s and clios of the soci t diac team which competed in some events of the world rally championship and the french rally championship during the late 1980s and early 1990s . 23 on 24 march 2010 diac and renault f1 signed a sponsorship agreement which lasted from the australian to the monaco grand prix of that year . 24 references edit rci banque . societes.com . groupe adverline . retrieved 1 october 2014 . a b c d e f company description rci banque sa . businessweek.com . businessweek . retrieved 1 october 2012 . a b c d e 2015 business report pdf . rci banque . retrieved 2 march 2016 . a b new logo new visual identity new website . rci banque . 15 february 2016 . retrieved 2 march 2016 . bournois frank 2007 . rh les meilleures pratiques du cac 40 sbf 120 hr the best practices from cac 40 sbf 120 in french . editions eyrolles . p. 689 . isbn 978 2 7081 3630 4 . a b 2011 annual report pdf . rci banque . retrieved 1 october 2012 . a b renault veut implanter sa filiale bancaire en russie renault will go to establish a financial subsidiary in russia in french . finance banque.com . retrieved 10 april 2013 . profile rci banque sa . moody s investors service . alacrastore.com . retrieved 3 october 2011 . p court nicolas 2010 . le cr dit un moteur de la croissance conomique . un monde sans cr dit r flaxion autour du cr dit la consommation a world without credit reflections on the consumer credit in french . editions eyrolles . p. 72 . isbn 978 2 212 54553 1 . lescure m. 1995 . banking in france in the inter war period . in feinstein charles h. banking currency and finance in europe between the wars . oxford university press . p. 325 . isbn 0 19 828803 4 . loubet jean louis ed . 1999 . l industrie automobile 1905 1971 the car industry 1905 1971 . archives conomiques du cr dit lyonnais in french . 4 . librairie droz . p. 173 . isbn 978 260000317 9 . directory diac sa . insideview.com . retrieved 3 october 2012 . guermonprez damien 2005 . quel territoire pour les acteurs non bancaires so what territory for non bank actors . revue d conomie financi re in french . aef 78 245 . doi 10.3406 ecofi .2005.3949 . issn 1969 6582 . retrieved 3 august 2014 . watson rick ; carter jeremy 2006 . asset securitisation and synthetic structures innovations in the european credit markets . euromoney books . p. 168 . isbn 1843742004 . fardeu aur lie 20 february 2012 . le constructeur renault lance un livret d pargne qui tient la route the automaker renault launched a savings account that holds up . votreargent.lexpress.fr in french . l express . retrieved 3 october 2012 . making of the livret zesto tv commercial a b renault says rci banque lifts 2012 targets for new zesto deposit accounts . rttnews.com . nasdaq . retrieved 3 october 2012 . gillaume gilles 7 march 2012 . psa pourrait lancer son tour un livret d pargne psa could launch a savings account . fr.reuters.com in french . reuters . retrieved 4 october 2012 . rci banque s retail savings accounts exceed 4.3 billion in deposits at end december 2013 . renault . 15 january 2014 . retrieved 1 october 2014 . dunkley emma 7 june 2015 . renault savings bank rolls into uk . ft.com . financial times . retrieved 13 september 2015 . daley james 16 june 2015 . are your savings safe in renault s new bank . telegraph.co.uk . telegraph media group . retrieved 13 september 2015 . boyce lee 20 july 2015 . renault s bank boasts best easy access rate after lifting interest on its savings account to 1.65 % . thisismoney.co.uk . dmg media . retrieved 13 september 2015 . hope frost henry ; davenport john eds . 2004 . the drivers . the complete book of the world rally championship . motorbooks . p. 140 . isbn 0 7603 1954 5 . renault signs deal with diac . gpupdate.net . retrieved 3 october 2011 . v t e renault current models cars clio fluence fluence z.e. latitude logan lutecia m gane pulse sandero safrane scala india symbol talisman china talisman europe twingo twizy zoe pickup trucks duster oroch master dropside master tipper minivans grand sc nic lodgy sc nic crossovers suvs captur duster espace kadjar kaptur koleos kwid lodgy sandero stepway vans dokker kangoo kangoo express kangoo z.e. master trafic numeric 3 4 5 6 7 8 9 10 11 12 14 15 16 17 18 19 20 21 25 30 1970 2015 alliance avantime encore fuego grand espace grand modus laguna medallion modus premier rodeo safrane scala mexico torino vel satis virage wind 1945 1970 4cv caravelle colorale dauphine dauphinoise floride fr gate ondine between wars celtaquatre monaquatre juvaquatre kj kz gs monasix nn nervasport nervastella novaquatre primaquatre primastella reinastella suprastella viva grand sport vivasix vivasport vivastella type mt pre wwi 40cv ax taxi de la marne towncar voiturette y alpine a106 a108 a110 a310 a442 a443 a610 gta renault sport grand prix de l a.c.f. 5 turbo clio williams clio renault sport spider m gane renault sport clio v6 renault sport concepts prototypes alpine a110 50 alpine 210 rs altica argos be bop captur coupe corbusier dezir egeus eolab etoile filante fiftie frendzy initiale paris kwid laguna coup ludo m gane m gane coup nepta ondelios racoon r space scenic talisman twin run twin z z.e. zo zoom historic commercial vehicles 1 000 kg estafette express fourgonette regional marques automobile dacia renault samsung motors subsidiaries and joint ventures dongfeng renault motrio oyak renault renault argentina renault do brasil renault espa a renault india private limited renault m xico renault pars renault russia revoz rci banque sofasa somaca related avtovaz mahindra renault renault nissan alliance renault trucks category external links edit official rci banque web site official renault group web site retrieved from 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