2019 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
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 73% of the 2019 revenue generated by BNP Paribas operating divisions.
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 BGL BNP Paribas
Arval BNP Paribas Leasing Solutions
BNP Paribas Personal Investors Nickel
E N G A G E M E N T
C R O S S - B U S I N E S S C O O P E R A T I O N
I N N O V A T I O N
R I S K D I V E R S I F I C A T I O N
( )
Domestic Markets includes BNP Paribas Retail Banking networks in the euro zone 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 specialised business lines: 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.
The purpose of Partners in Action for Customer Experience (PACE), a cross-functional team, is to support retail businesses in order to offer a better customer experience and propose new business models to domestic markets.
Launched in 2013, and designed for mobile use (smartphones and tablet), Hello bank! is the Group s digital bank in France, Belgium, Italy, Germany and Austria. With Nickel, the BNP Paribas system is responding to new banking uses in France and in 2020 is being developed in Spain.
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 nearly 66,000 people, including nearly 51,000 working in the 4 domestic networks (France, Italy, Belgium, Luxembourg). It serves more than 18 million customers including nearly over 900,000 professionals, small businesses and corporates in the 4 domestic networks.
BNP Paribas is the leading private bank in France(1) and Belgium(1), no. 1 in Cash Management and in Trade Finance for large corporates in Europe(2) and no. 2 for professional equipment financing in Europe(3).
(1) Source: PWM The Banker.
(2) Source: Greenwich 2019.
(3) Source: Asset Finance Europe 50 ranking published December 2019.
DOMESTIC MARKETS
