2019 Universal registration document and annual financial report - BNP PARIBAS 251
4Consolidated finanCial statements for the year ended 31 deCemBer 2019
4
Notes to the financial statements
31 December 2019 31 December 2018
Name Country Method Voting
(%) Interest
(%) Ref. Method Voting
(%) Interest
(%) Ref. New Digital Businessesv Financière des Paiements Electroniques France Full 95% 95% Full 95% 95% Financière des Paiements Electroniques (succ. Espagne) Spain Full 100% 95% E2 Lyf SA France Equity (3) 43.8% 43.8% V2 Equity (3) 46% 46% V1 Lyf SAS France Equity (3) 45.4% 45.4% V2 Equity (3) 45.8% 45.8% V1 Personal Investors Geojit Technologies Private Ltd India Equity 35% 35% Equity 35% 35% Human Value Developers Private Ltd India Full 100% 100% Full 100% 100% Sharekhan BNPP Financial Services Private Ltd India Full 100% 100% Full 100% 100% Sharekhan Commodities Private Ltd India Full 100% 100% Full 100% 100% E1 Sharekhan Ltd India Full 100% 100% Full 100% 100% International Financial Services BNP Paribas Personal Finance Alpha Crédit SA Belgium Full 100% 99.9% Full 100% 99.9% AutoFlorence 1 SRL(s) Italy Full - - E1 Autonoria 2019(s) France Full - - E2 Autonoria Spain 2019(s) Spain Full - - E2 Autop Ocean Indien France Full 100% 97.8% Full 100% 97.8% E1 Axa Banque Financement France Equity 35% 35% Equity 35% 35% B Carat(s) Belgium S1 Banco BNPP Personal Finance SA Portugal Full 100% 100% Full 100% 100% Banco Cetelem Argentina SA Argentina S3 Full 100% 100% Banco Cetelem SA Brazil Full 100% 100% Full 100% 100% Banco Cetelem SAU Spain Full 100% 100% Full 100% 100% Banco de Servicios Financieros SA Argentina S2 Equity 40% 40% Banque Solfea France Equity (3) 45% 45% Equity (3) 45% 45% BGN Mercantil E Servicos Ltda Brazil Full 100% 100% Full 100% 100% BNPP Personal Finance France Full 100% 100% Full 100% 100% BNPP Personal Finance (Austria branch) Austria Full 100% 100% Full 100% 100% BNPP Personal Finance (Bulgaria branch) Bulgaria Full 100% 100% Full 100% 100% E2 BNPP Personal Finance (Czech republic branch) Czech Rep. Full 100% 100% Full 100% 100% BNPP Personal Finance (Romania branch) Romania Full 100% 100% Full 100% 100% E2 BNPP Personal Finance (Slovakia branch) Slovakia Full 100% 100% Full 100% 100% BNPP Personal Finance BV Netherlands Full 100% 100% Full 100% 100% BNPP Personal Finance EAD Bulgaria S4 BNPP Personal Finance South Africa Ltd South Africa Full 100% 100% Full 100% 100% Cafineo France Full (1) 51% 50.8% Full (1) 51% 50.8% Carrefour Banque France Equity 40% 40% Equity 40% 40% Cartolarizzazione Auto Receivable s SRL(s) Italy S3 Cetelem Algérie Algeria Full 100% 100% Full 100% 100% E1 Cetelem America Ltda Brazil Full 100% 100% Full 100% 100% Cetelem Bank LLC Russia Equity 20.8% 20.8% Equity 20.8% 20.8% Cetelem Gestion AIE Spain Full 99% 95.5% V2 Full 100% 96.5% E1 Cetelem IFN Romania S4 Cetelem SA de CV Mexico Full 100% 100% Full 100% 100% Cetelem Servicios Informaticos AIE Spain Full 99% 80.5% V2 Full 100% 81.5% E1 Cetelem Servicios SA de CV Mexico Full 100% 100% E1 Cetelem Servicos Ltda Brazil Full 100% 100% Full 100% 100% D1 Cofica Bail France Full (1) 100% 100% Full (1) 100% 100% Cofinoga Funding Two LP(s) UK Full - - Full - - Cofiplan France Full (1) 100% 100% Full (1) 100% 100% Creation Consumer Finance Ltd UK Full 100% 100% Full 100% 100% Creation Financial Services Ltd UK Full 100% 100% Full 100% 100% Crédit Moderne Antilles Guyane France Full (1) 100% 100% Full (1) 100% 100% Crédit Moderne Océan Indien France Full (1) 97.8% 97.8% Full (1) 97.8% 97.8% Domofinance France Full (1) 55% 55% Full (1) 55% 55% E carat 10(s) France Full - - E2 Ecarat SA(s) Luxemburg Full - - Full - - Ecarat UK (a)(s) UK Full - - Full - - Effico France Equity 24.5% 24.5% Equity 24.5% 24.5% Ekspres Bank AS Denmark Full 100% 100% Full 100% 100%
31 December 2019 31 December 2018
Name Country Method Voting
(%) Interest
(%) Ref. Method Voting
(%) Interest
(%) Ref. Ekspres Bank AS (Norway branch) Norway Full 100% 100% Full 100% 100% Ekspres Bank AS (Sweden branch) Sweden Full 100% 100% Full 100% 100% E2 Eos Aremas Belgium SA NV Belgium Equity 50% 49.9% Equity 50% 49.9% FCT F Carat(s) France S1 Findomestic Banca SPA Italy Full 100% 100% Full 100% 100% Florence 1 SRL(s) Italy S1 Florence SPV SRL(s) Italy Full - - Full - - GCC Consumo Establecimiento Financiero de Credito SA Spain Full 51% 51% Full 51% 51% Genius Auto Finance Co Ltd China Equity (3) 20% 20% Equity (3) 20% 20% Gesellschaft für Capital & Vermögensverwaltung GmbH Germany S3 I Carat SRL(s) Italy S1 Inkasso Kodat GmbH & Co KG Germany S3 International Development Resources AS Services SA Spain S3 Laser ABS 2017 Holding Ltd UK Full 100% 100% Full 100% 100% Laser ABS 2017 PLC(s) UK Full - - Full - - Leval 20 France Full 100% 100% Full 100% 100% Loisirs Finance France Full (1) 51% 51% Full (1) 51% 51% Magyar Cetelem Bank ZRT Hungary Full 100% 100% Full 100% 100% Neuilly Contentieux France Full 96% 95.7% Full 96% 95.7% E1 Noria 2018-1(s) France Full - - Full - - E2 Norrsken Finance France Full (1) 100% 100% Full (1) 100% 100% Olympia SAS France Full 50% 50% Full 50% 50% Oney Magyarorszag ZRT Hungary Equity 40% 40% Equity 40% 40% Opel Bank France Full 50% 50% Full 50% 50% Opel Bank (Germany branch) Germany Full 100% 50% E2 Opel Bank (Greece branch) Greece Full 100% 50% E2 Opel Bank (Italy branch) Italy Full 100% 50% E2 Opel Bank (Spain branch) Spain Full 100% 50% E2 Opel Bank GmbH Germany S4 Full 100% 50% Opel Bank GmbH (Greece branch) Greece S4 Full 100% 50% Opel Bank GmbH (Ireland branch) Ireland S1 Full 100% 50% Opel Bank GmbH (Spain branch) Spain S4 Full 100% 50% E2 Opel Finance AB Sweden S3 Full 100% 50% D1 Opel Finance BV (Ex-Opel Finance BVBA) Belgium Full 100% 50% Full 100% 50% D1 Opel Finance Germany Holdings GmbH Germany S4 Opel Finance International BV Netherlands Full 100% 50% Full 100% 50% Opel Finance NV Netherlands Full 100% 50% Full 100% 50% D1 Opel Finance NV (Belgium branch) Belgium S1 Opel Finance SA Switzerland Full 100% 50% Full 100% 50% D1 Opel Finance SPA Italy S4 Full 100% 50% Opel Leasing GmbH Germany Full 100% 50% Full 100% 50% Opel Leasing GmbH (Austria branch) Austria Full 100% 50% Full 100% 50% OPVF Europe Holdco Ltd UK S4 OPVF Holdings UK Ltd UK S1 Phedina Hypotheken 2010 BV(s) Netherlands Full - - Full - - Phedina Hypotheken 2013 I BV(s) Netherlands S1 Full - - Projeo France Full (1) 100% 100% Full (1) 100% 100% RCS Cards Pty Ltd South Africa Full 100% 100% Full 100% 100% Securely Transferred Auto Receivables II SA(s) luxemburg S3 Securitisation fund Autonoria(s) France S1 Full - - Securitisation funds Domos (c)(s) France Full - - Full - - Securitisation funds UCI and RMBS Prado (b)(s) Spain Equity (3) - - Equity (3) - - Servicios Financieros Carrefour EFC SA Spain Equity 37.3% 40% Equity 37.3% 40% Sevenday Finans AB Sweden S4 Sundaram BNPP Home Finance Ltd India S2 Equity (3) 49.9% 49.9% Suning Consumer Finance Co Ltd China Equity 15% 15% Equity 15% 15% Sygma Funding Two Ltd UK Full 100% 100% Full 100% 100% Symag France Full 100% 100% Full 100% 100% TEB Finansman AS Turkey Full 100% 92.8% Full 100% 92.8% UCB Ingatlanhitel ZRT Hungary S4 Full 100% 100% Union de Creditos Inmobiliarios SA Spain Equity (3) 50% 50% Equity (3) 50% 50%