2019 Universal registration document and annual financial report - BNP PARIBAS 7

1Presentation of the BnP PariBas GrouP

1

Presentation of operating divisions and business lines

FRENCH RETAIL BANKING (FRB) With just over 26,000 employees, French Retail Banking (FRB) supports its customers with all their projects. FRB offers innovative solutions in financing, payment, wealth & asset management, and insurance to 6.8 million individual customers, 609,000 professionals and VSEs, 31,100 corporates (SMEs, mid-sized and large corporates) and some 59,000 associations. Combining the best in digital and human interaction, it provides them with broad interface capabilities, ranging from essential banking services, through a self-care solution, to customised guidance using dedicated teams and experts.

French Retail Banking is structured around 10 regions covering 158 territories, making it possible to provide all our customer bases with the right level of proximity whilst maintaining synergies between business lines.

The network of branches and centres are designed to offer all customers the right facilities for their needs:

■ for individual and professional customers, more than 1,800 branches and 5,074 ATMs operating under the BNP Paribas and BNP Paribas Banque de Bretagne brands;

■ for Private Banking customers, BNP Paribas has Private Banking centres located throughout France (for customers with more than EUR 250,000 in financial assets) and 10 Wealth Management offices (for customers with more than EUR 5 million in financial assets), making BNP Paribas the leading private bank in France;

■ for corporate clients and entrepreneurs, a sizeable organisation:

■ 22 general business centres specifically for corporate customers, 2 business centres specifically for customers with simple needs (Associations, French subsidiaries of foreign groups, SMEs) who seek a digital banking relationship, 3 specialised business centres (Innovation, Real Estate and Institutions/Associations/Foundations) offering tailor-made services to meet corporate customers specific needs, as well as 2 skills centres (Bank Agency and Image and Media hub) to address corporate sector challenges,

■ 80 SME centres to support small businesses, SMEs and VSEs, and their managers, to manage their wealth planning and company life-cycle,

■ 61 WAI(1) hubs to support innovative start-ups and companies by providing products and services dedicated to their specific needs and 2 sites dedicated to innovation: WAI Paris and WAI Massy- Saclay, places for innovation and connection,

■ specialised subsidiaries, including BNP Paribas Factor, one of the European leaders in factoring, which offers client/supplier management solutions, as well as BNP Paribas Développement, a private equity provider, Protection 24, a remote surveillance firm and Portzamparc, which supports private customers, management companies and SMEs/medium-sized suppliers wishing to invest in or finance themselves on the stock market (dedicated resources were pooled in 2019 with the merger of B*Capital and Portzamparc stockbrokers),

■ customer support centres such as a business assistance service Service d Assistance aux Entreprises (SAE) and a Cash Customer Service (CCS),

■ lastly, 55 production and sales support branches, back offices that handle all transaction processing.

FRB also provides its clients with a full online relationship capability, based on:

■ Hello bank!, the Group s fully online bank, with 520,000 customers in France at 31 December 2019;

■ a mabanque.bnpparibas website and the mobile app Mes Comptes , offering services used by more than 3.3 million unique customers per month, including 2.3 million on mobility (smartphones and tablets) and 1.4 million smartphone-only customers, with usage averaging 14.7 visits per month;

■ 4 customer relationship centres in Paris, Lille, Orléans and Mérignac, which handle requests received by e-mail, phone, chat or secure messaging, and 3 specialist contact centres, Net Épargne/Bourse , Net Crédit and Net Assurance .

FRB accelerated its digital transformation in 2019 with simpler in-branch account opening, corporate client onboarding with Welcome and the introduction of instant transfers and electronic signatures. BNP Paribas is ranked as the first retail bank and came 2nd overall in the annual 2019 D-Rating survey for its digital offering.

BNP Paribas was voted best private bank in France by Euromoney, PWM- The Banker and World Finance magazines in 2019.

BNL BANCA COMMERCIALE BNL bc provides a comprehensive range of banking, financial and insurance products and services in Italy to meet the needs of its diversified customer base consisting of:

■ approximately 2.7 million(2) individuals;

■ 53,000(2) Private Banking clients;

■ 124,000(2) small business and VSE customers;

■ approximately 11,800(2) medium and large corporates;

■ 4,600(2) local authorities and non-profit organisations.

BNL bc is the 6th largest commercial bank in Italy based on its total balance sheet and customer loans(3). Its range of products and services draw on the Group s extensive expertise and its integrated model by developing business line cooperation.

BNL bc is a market leader in loans to households, especially residential mortgages (market share of around 6.6%(3)), and has a deposit base (3.6%(3) of household current) well above its market penetration rate (3.1%(3) in terms of branch numbers).

BNL bc is also well established in the markets for corporates (market share of around 4.4%(3) in terms of loans) and local authorities, with recognised expertise in cash management, cross-border payments, project finance, structured finance and factoring via its specialist subsidiary Ifitalia (ranked 3rd in Italy(4)).

(1) We Are Innovation.

(2) Active clients.

(3) Source: Bank of Italy 2019.

(4) Source: Assifact ranking by turnover.