# C_2018051EN.01000601.xml

| 10.2.2018 | EN | Official Journal of the European Union | C 51/6 |
| --------- | -- | -------------------------------------- | ------ |

---

Prior notification of a concentration

(Case M.8726 — Oney/4finance/JV)

Candidate case for simplified procedure

(Text with EEA relevance)

(2018/C 51/05)

| 1. | On 5 February 2018, the Commission received notification of a proposed concentration pursuant to Article 4 of Council Regulation (EC) No 139/2004( 1 ).
This notification concerns the following undertakings:
—
Oney Bank SA (France), controlled by Auchan Holding (France), and —
4finance Holding SA (Luxembourg), controlled by Tirona Limited (Cyprus). Oney Bank SA and 4finance Holding SA acquire within the meaning of Articles 3(1)(b) and 3(4) of the Merger Regulation joint control of Finey SA, a newly created company constituting a joint venture. The concentration is accomplished by way of a purchase of shares. | — | Oney Bank SA (France), controlled by Auchan Holding (France), and | — | 4finance Holding SA (Luxembourg), controlled by Tirona Limited (Cyprus). |
| -- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | - | ----------------------------------------------------------------- | - | ------------------------------------------------------------------------ |
| — | Oney Bank SA (France), controlled by Auchan Holding (France), and | | | | |
| — | 4finance Holding SA (Luxembourg), controlled by Tirona Limited (Cyprus). | | | | |

| 2. | The business activities of the undertakings concerned are as follows:
—
Oney provides credit services for purchases made in shops owned by Auchan Holding, its subsidiaries or other commercial partners, —
4finance offers personal loans online, via call centres and through third-party credit distributors, —
Finey, the join venture, will offer unsecured cash loans to customers in Poland. | — | Oney provides credit services for purchases made in shops owned by Auchan Holding, its subsidiaries or other commercial partners, | — | 4finance offers personal loans online, via call centres and through third-party credit distributors, | — | Finey, the join venture, will offer unsecured cash loans to customers in Poland. |
| -- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | - | --------------------------------------------------------------------------------------------------------------------------------- | - | ---------------------------------------------------------------------------------------------------- | - | -------------------------------------------------------------------------------- |
| — | Oney provides credit services for purchases made in shops owned by Auchan Holding, its subsidiaries or other commercial partners, | | | | | | |
| — | 4finance offers personal loans online, via call centres and through third-party credit distributors, | | | | | | |
| — | Finey, the join venture, will offer unsecured cash loans to customers in Poland. | | | | | | |

| 3. | On preliminary examination, the Commission finds that the notified transaction could fall within the scope of the Merger Regulation. However, the final decision on this point is reserved.
Pursuant to the Commission Notice on a simplified procedure for treatment of certain concentrations under the Council Regulation (EC) No 139/2004( 2 ) it should be noted that this case is a candidate for treatment under the procedure set out in the Notice. |
| -- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |

| 4. | The Commission invites interested third parties to submit their possible observations on the proposed operation to the Commission.
Observations must reach the Commission not later than 10 days following the date of this publication. The following reference should always be specified:
M.8726 — Oney/4finance/JV
Observations can be sent to the Commission by email, by fax, or by post. Please use the contact details below:
Email: COMP-MERGER-REGISTRY@ec.europa.eu Fax: +32 22964301 Postal address: European Commission Directorate-General for Competition Merger Registry 1049 Bruxelles/Brussel BELGIQUE/BELGIË | Email: COMP-MERGER-REGISTRY@ec.europa.eu | Fax: +32 22964301 | Postal address: | European Commission | Directorate-General for Competition | Merger Registry | 1049 Bruxelles/Brussel | BELGIQUE/BELGIË |
| ---------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------- | ----------------- | --------------- | ------------------- | ----------------------------------- | --------------- | ---------------------- | --------------- |
| Email: COMP-MERGER-REGISTRY@ec.europa.eu | | | | | | | | | |
| Fax: +32 22964301 | | | | | | | | | |
| Postal address: | | | | | | | | | |
| European Commission | | | | | | | | | |
| Directorate-General for Competition | | | | | | | | | |
| Merger Registry | | | | | | | | | |
| 1049 Bruxelles/Brussel | | | | | | | | | |
| BELGIQUE/BELGIË | | | | | | | | | |

---

( 1 )  OJ L 24, 29.1.2004, p. 1 (the ‘Merger Regulation’).

( 2 )  OJ C 366, 14.12.2013, p. 5.

---