2020 Universal registration document and annual financial report - BNP PARIBAS10

1 Presentation of the BnP PariBas GrouP

1

Presentation of operating divisions and business lines

MaaS (Mobility-as-a-Service) application, bike leasing, etc.), as well as digital tools for fleet managers and drivers to facilitate their daily mobility. Arval makes social and environmental responsibility a priority and supports its customers in their energy transition.

In the context of the health crisis, Arval has mobilized to support its customers by extending contracts. The company also provided nearly 350 vehicles free of charge to healthcare workers in 12 countries.

BNP PARIBAS LEASING SOLUTIONS BNP Paribas Leasing Solutions offers corporates and small business clients leasing and finance solutions for equipment for business use.

As a major player in the usage economy, BNP Paribas Leasing Solutions provides businesses with the flexibility they need to stay competitive and to grow both sustainably and responsibly.

With more than 3,300 employees, BNP Paribas Leasing Solutions supports its customers and partners growth in 20 countries in Europe, but also in China, the United States and Canada.

These solutions are offered via three sales channels:

■ industrial partners (professional equipment manufacturers, distributors and software publishers), with finance solutions for their end customers;

■ companies, with leasing and fleet management offers;

■ BNP Paribas banking network business customers, by supporting their investment plans.

BNP Paribas Leasing Solutions finances in particular two main categories of equipment:

■ logistics rolling stock: farm machinery, construction and public works equipment, light commercial and industrial vehicles;

■ technological equipment: IT, office equipment, telecoms, medical and specialised technologies.

In 2020, BNP Paribas Leasing Solutions financed over 310,000 projects totalling EUR 12.8 billion. Its total outstandings under management at the end of December 2020 amounted to EUR 34 billion(1).

In 2020, BNP Paribas Leasing Solutions was named European Lessor of the Year by Leasing Life, the leading leasing magazine in Europe.

In the face of the health crisis in 2020, BNP Paribas Leasing Solutions teams also mobilised to launch solidarity initiatives in conjunction with local associations to prioritise helping healthcare workers, vulnerable people and young people.

BNP PARIBAS PERSONAL INVESTORS BNP Paribas Personal Investors is a digital banking and investment services specialist.

It offers a broad range of banking, credit, savings and short- to long-term investment services to 3.8 million customers, on mobile applications, online, by phone or face-to-face. It provides decision-making tools, advice and analyses.

BNP Paribas Personal Investors also provides services and its IT platform to independent financial advisors, asset managers and fintechs. Services include market access, transactions, account management and custody services.

Covering Germany, Austria, and India, BNP Paribas Personal Investors today has 3,900 employees:

■ in Germany, BNP Paribas Personal Investors operates under three brand names, Consorsbank for individual customers, DAB BNP Paribas for B2B and BNP Paribas Wealth Management Private Banking for wealthy customers. Consorsbank is the 4th largest full-service direct bank in the market(2) by number of customers and the 2nd largest online broker by number of orders executed by individuals(3). DAB BNP Paribas is market leader in platforms for financial portfolio managers. Personal Investors offers its services to nearly 1.7 million customers in Germany;

■ in India, Sharekhan is one of the largest online broker(4). Its footprint extends to 575 towns through a network of 141 branches and over 3,000 franchisees, serving 2.2 million customers;

■ in Austria, Hello bank! Austria is the 5th largest online bank in the Austrian market(5). It serves more than 80,000 customers.

In 2020, faced with the health crisis, BNP Paribas Personal Investors was capable of maintaining service and accessibility for customers without any restrictions but also able to manage extraordinarily high additional business, such as an outstanding amount of trades due to highly volatile markets.

NICKEL With the acquisition of Compte Nickel in 2017, BNP Paribas responded to customers need to pay, and be paid, via a simple and handy digital service. The 3rd largest distribution network in France with 5,800 partner buralistes, Nickel is a leader in the neobank market.

Thanks to its digital model and a distribution method not affected by the lockdown measures, Nickel recorded a record number of new accounts in October 2020 with 44,000 monthly account openings, thus reaching nearly 1.9 million accounts opened as at 31 December 2020 since its launch.

After entering the Spanish market in 2020, Nickel has the ambition, as part of its strategic plan for 2024 to expand into other European countries.

(1) Of which 13.9 billion in outstandings across the 4 Domestic Markets retail networks.

(2) Excluding captive direct generalist banks of automobile manufacturers.

(3) Financial communication of main competitors.

(4) Ranking based on data communicated by the National Stock Exchange in India.

(5) Ranking based on data from modern-banking.at.