2018 Registration document and annual fi nancial report - BNP PARIBAS 9

1PRESENTATION OF THE BNP PARIBAS GROUP

1

Presentation of operating divisions and business lines

Arval had 7,000 employees at the end of 2018, in the 29 countries where the Company operates, and managed a total leased fleet of nearly 1,200,000 vehicles. 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.

BNP PARIBAS LEASING SOLUTIONS BNP Paribas Leasing Solutions offers corporate and small business clients leasing and fi nance solutions for equipment for business use.

These solutions are offered via three sales channels:

■ Industrial partners (professional equipment manufacturers, distributors and software publishers), with fi nance solutions for their end customers;

■ Corporates, with leasing and fl eet management offers;

■ BNP Paribas banking network business customers, by supporting their investment plans.

BNP Paribas Leasing Solutions fi nances two main categories of equipment:

■ Logistics rolling stock: farm machinery, construction and public works equipment, light commercial and industrial vehicles;

■ Technological equipment: IT, offi ce technology, telecoms, medical and specialist technologies.

As a major player in the functional economy, BNP Paribas Leasing Solutions gives corporates the fl exibility they need to stay competitive and to grow both sustainably and responsibly.

Along with Leasing Solutions and Arval, BNP Paribas is number 2 in corporate leasing in Europe(1).

In 2018, BNP Paribas Leasing Solutions fi nanced over 357,000 projects totalling EUR 13.5 billion. Its total outstandings under management at the end of December 2018 amounted to EUR 32.1 billion(2).

Its 3,150 employees support its customers and partners growth in 18 countries in Europe, China, the United States and Canada. BNP Paribas Leasing Solutions expanded into Norway this year, with the aim of servicing its Nordic partners and customers.

BNP PARIBAS PERSONAL INVESTORS BNP Paribas Personal Investors is a digital banking and investment services specialist.

It offers a broad range of banking, savings and short- to long-term investment services to 3.6 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 fi nancial advisors, asset managers and fi ntechs. Services include market access, transactions, account management and custody services.

Covering Germany, Austria, Spain, and India, Personal Investors currently has over 4,500 employees:

■ BNP Paribas Personal Investors Germany

Personal Investors operates under two brands in Germany, Consorsbank, targeted to individual customers, and DAB BNP Paribas for B2B 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 executed orders by individuals(4). Personal Investors offers its services to nearly 1.6 million customers in Germany.

■ Sharekhan in India

Sharekhan, acquired in 2016, is India s 3rd largest online broker(5). Its footprint extends to 575 towns through a network of 155 branches and close to 3,000 franchisees, serving 1.8 million customers.

■ Hello bank! Austria

Hello bank! Austria is the no. 4 online bank in the Austrian market(6). It serves nearly 82,000 customers.

■ BNP Paribas Personal Investors Spain

Personal Investors Spain offers its services to individual customers and acts as a broker on the Spanish stock exchange.

NICKEL BNP Paribas acquired Compte-Nickel in July 2017. With this acquisition, BNP Paribas has rounded out its offering dedicated to new banking practices, and, along with Hello bank!, the retail bank s digital offering, and the branch network, it has a full range of solutions tailored to the needs of its various customer bases.

Nickel accounts are available at more than 4,300 buralistes and were enhanced, in 2018, by the launch of the new premium card, Nickel Chrome.

Over 1.1 million Nickel accounts had been opened as at 31 December 2018.

(1) Source: Leaseurope 2017 ranking, published in May 2018.

(2) O/w 12.3 billion in outstandings across the 4 Domestic Markets retail networks.

(3) Excluding captive full-service direct banks of automobile makers.

(4) Financial communication from the major competitors.

(5) Ranking based on data communicated by the National Stock Exchange in India.

(6) Ranking based on data from modern-banking.act.