2018 Registration document and annual fi nancial report - BNP PARIBAS 11

1PRESENTATION OF THE BNP PARIBAS GROUP

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Presentation of operating divisions and business lines

The banks commitment to making a positive impact on society was rewarded: BMCI came out top in the VIGEO EIRIS ranking of the most responsible corporates in emerging markets and BGŻ BNP Paribas was ranked as the most responsible corporate in Poland in the banking, fi nance and insurance industry.

PERSONAL FINANCE

BNP Paribas Personal Finance, the leading specialist player in Europe(1)

BNP Paribas Personal Finance (PF) is the BNP Paribas Group s consumer credit specialist via its consumer loan business activities. With over 20,600 employees in some 30 countries, BNP Paribas Personal Finance ranks as the leading consumer credit specialist in Europe(1).

Through its brands such as Cetelem, Crédit Moderne, Findomestic and AlphaCredit, Personal Finance provides a full range of consumer loans at point of sale (retail stores and car dealerships) or through its customer relations centres, websites and mobile apps. The consumer credit business also operates within the Group s Retail Banking network in some countries, through the PF Inside set-up. BNP Paribas Personal Finance also offers insurance products tailored to local needs and practices in each of the countries where it operates. In Germany, Bulgaria, France, Hungary, Romania and Italy, the lending and insurance offer of Personal Finance has been complemented by savings products. BNP Paribas Personal Finance launched a digital bank under the Hello bank! brand through Cetelem in the Czech Republic.

BNP Paribas Personal Finance is also developing an active strategy of partnerships with retail chains, automobile makers and dealers, web merchants and other fi nancial institutions (banking and insurance), drawing on its experience and its ability to integrate services tailored to the activity and commercial strategy of its partners.

In 2017, the business jointly acquired, with PSA Finance, the Opel/ Vauxhall s fi nancing businesses in 11 countries.

Digital transformation at the heart of the growth model

Central to the c ompany s strategic plan, digitalisation and digital transformation focus on four key areas: simplifi cation of the customer journey, development of new contact and distribution channels, automation of internal processes and the use of data analysis. In 2018, almost 50% of all contracts were already being signed electronically. BNP Paribas Personal Finance also has 89 robots in its back offi ces and for processing data.

The business plays an active role in the Plug and Play fi ntech & insurtech international acceleration programme.

A committed player in the fi elds of fi nancial education and e-inclusion

As a key player in the fi eld over the last 10 years, BNP Paribas Personal Finance has made responsible lending® the basis of its commitment to sustainable growth

This cross-company approach is implemented according to the specifi c characteristics of each country and always includes structural measures such as the design and distribution of accessible and responsible products and services.

The c ompany is also heavily involved in teaching people how to manage their budget and in e-inclusion.

In its various locations, BNP Paribas Personal Finance, under its different brand names, develops and promotes fi nancial education geared to prevention and supporting economic and social inclusion. In 2018, 21,700 people benefi ted from these programmes worldwide, and the aim is to reach 50,000 young people in 2019 and 100,000 in 2020.

The c ompany is also working towards a society where digital technology is widely accessible and where inclusion is facilitated by shared knowledge and practices. Through the Cetelem Foundation, under the aegis of the Fondation de France, BNP Paribas Personal Finance has set itself the goal of supporting general interest projects selected on the basis of three key areas of intervention: access, good practice and the digital divide.

BNP PARIBAS CARDIF For forty-fi ve years, BNP Paribas Cardif has designed, developed and marketed savings and protection products and services to insure people, their projects and their assets.

With more than 100 million insurance customers in 35 countries, BNP Paribas Cardif provides saving solutions to build and grow capital but also prepare for the future, through guaranteed capital products, unit-linked funds, or Euro-growth contracts.

As a world leader in credit protection insurance, BNP Paribas Cardif has extended its protection offering to include health insurance; budget insurance, income protection, and means of payment insurance; protection against unforeseeable events (unemployment, injury, death, theft, or breakage); and personal data protection, to meet consumers changing needs.

Building on a unique business model, BNP Paribas Cardif co-creates its products and services with more than 500 of the BNP Paribas Group s internal and external distribution partners. This multi-sector partner network comprises banks, credit institutions, fi nancial institutions, car manufacturers, retailers, telecoms, brokers and independent wealth management advisers.

(1) Source: Annual Reports published by companies specialised in consumer credit. In terms of revenues from consumer credit business.