2019 Universal registration document and annual financial report - BNP PARIBAS 9
1Presentation of the BnP PariBas GrouP
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Presentation of operating divisions and business lines
■ a remote investment advisory service, the online savings and investment specialist, with a dedicated team of financial advisers to assist customers in managing their portfolios;
■ a Corporate Bank serving 1,800 corporates, with dedicated business managers;
■ a Private Bank organised around 5 centres offering tailored financial and asset management services to 3,500 customers.
ARVAL Arval is the BNP Paribas subsidiary specialising in full service vehicle leasing and mobility. It offers corporate clients (from large multinationals to small and medium enterprises), their employees and individuals, customised solutions that optimise their mobility.
Arval offers services related to vehicle leasing (financing, insurance, maintenance, tyres, etc.), additional mobility solutions (car sharing, bike sharing, carpooling etc.) and digital tools for fleet managers and drivers to facilitate the day-to-day use of their vehicles. To support its customers with their energy transition strategy, Arval also launched its SMaRT (Sustainable Mobility and Responsibility Targets) approach.
Arval had over 7,000 employees at the end of 2019, in the 27 countries where the Company operates, and managed a total leased fleet of nearly 1.3 million vehicles. Arval operates primarily in Europe where it is the market leader. Arval relies, in addition, on strategic partnerships, thanks to the Element-Arval Global Alliance, the world leader in the sector, with a total of more than 3 million vehicles in 50 countries.
As an operator committed to innovation in the mobility sector, Arval jointed the MaaS (Mobility-as-a-Service) Alliance. The MaaS Alliance is a public-private partnership which aims to create the foundations required for a common approach to MaaS: integrating various forms of transport services into a single mobility service on demand.
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 gives corporates the flexibility they need to stay competitive and to grow both sustainably and responsibly.
With close to 3,300 employees, BNP 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;
■ Corporates, 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 2019, BNP Paribas Leasing Solutions financed over 346,000 projects totalling EUR 14.1 billion. Its total outstandings under management at the end of December 2019 amounted to EUR 34 billion(1).
Along with Leasing Solutions and Arval, BNP Paribas is number 2 in corporate leasing in Europe(2).
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 3.7 million customers, on mobile applications, online, by phone or face to face. It provides decision-making tools, advice and analyses.
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, Spain, and India, Personal Investors currently has over 4,300 employees:
■ In Germany, Personal Investors operates under three brand names, Consorsbank for individual customers, DAB BNP Paribas for B2B and Private Banking Germany customers, in conjunction with BNP Paribas Wealth Management, for wealthy customers. It is the 4th largest full-service direct bank in the market(3) by number of customers and the 2nd largest online broker by number of orders executed by individuals(4). Personal Investors offers its services to nearly 1.6 million customers in Germany.
■ In India, Sharekhan is the 5th largest online broker(5). Its footprint extends to 575 towns through a network of 145 branches and over 3,000 franchisees, serving 2.0 million customers.
■ In Austria, Hello bank! Austria is the 5th largest online bank in the Austrian market(6). It serves more than 78,000 customers. In Spain, Personal Investors Spain offers its services to individual customers and acts as a broker on the Spanish stock exchange.
(1) O/w 13.4 billion in outstandings across the 4 Domestic Markets retail networks.
(2) Source: Asset Finance Europe 50 ranking, published in December 2019.
(3) Excluding captive full-service direct banks of automobile makers.
(4) Financial communication from major competitors.
(5) Ranking based on data communicated by the National Stock Exchange in India.
(6) Ranking based on data from modern-banking.at.
