2020 Universal registration document and annual financial report - BNP PARIBAS6
1 Presentation of the BnP PariBas GrouP
1
Presentation of operating divisions and business lines
1.4 Presentation of operating divisions and business lines
DM
IFS CIB
INTERNATIONAL FINANCIAL SERVICES (IFS)
BNP Paribas Personal Finance International Retail Banking
BNP Paribas Cardif BNP Paribas Wealth Management BNP Paribas Asset Management
BNP Paribas Real Estate
RETAIL BANKING & SERVICES
CORPORATE & INSTITUTIONAL BANKING CIB
Corporate Banking Global Markets Securities Services
DOMESTIC MARKETS (DM)
French Retail Banking BNP Paribas Fortis
BNL bc BGL BNP Paribas
Arval BNP Paribas Leasing Solutions
BNP Paribas Personal Investors Nickel
ENGAGEMENT
CROSS-BUSINESS COOPERATION
INNOVATION
RISK DIVERSIFICATION
( )
RETAIL BANKING & SERVICES
Retail Banking & Services includes Retail Banking networks and specialised financial services in France and abroad. It is divided into Domestic Markets and International Financial Services. Established
in more than 60 countries and employing over 150,000 people, Retail Banking & Services accounted for 71% of the 2020 revenue generated by BNP Paribas operating divisions.
DOMESTIC MARKETS
Domestic Markets includes BNP Paribas Retail Banking networks in the eurozone comprising France (FRB), Italy (BNL bc), Belgium (BRB, operating under the BNP Paribas Fortis brand) and Luxembourg (LRB, operating under the BGL BNP Paribas brand), as well as the specialised businesses: Arval (mobility and vehicle leasing for corporates and individuals), BNP Paribas Leasing Solutions (professional equipment leasing and financing solutions), BNP Paribas Personal Investors (online savings and brokerage), and Nickel (alternative banking services).
Cash Management, Trade Finance and Factoring round out the services provided to corporate clients under the One Bank for Corporates approach, in synergy with CIB s Corporate Banking.
Wealth Management is developing its Private Banking model in the domestic markets in an integrated manner.
A cross-functional team, Partners in Action for Customer Experience (PACE), aims to help Retail Banking activities offer a better customer experience.
Hello bank!, the Group s main digital bank in France, Belgium, Germany and Austria, had 2.9 million customers at the end of 2020. With Nickel, the BNP Paribas set-up is responding to new banking uses in France and is developing in Europe, with a launch in Spain in 2020.
The Bank now offers a full set of solutions adapted to the needs of its various customer bases (individuals, professionals, small businesses, corporates).
Domestic Markets employs more than 62,000 people, including nearly 48,000 working in the 4 domestic networks (France, Italy, Belgium, Luxembourg). It serves 19 million customers including more than 1 million professionals, small businesses and corporates in the 4 domestic networks.
