2018 Registration document and annual fi nancial 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 fi nancial services in France and abroad. It is divided into Domestic Markets and International Financial Services. Established in more than 60 countries and employing over 148,000 people, Retail Banking & Services accounted for 74% of the 2018 revenue generated by BNP Paribas operating divisions.
DOMESTIC MARKETS Domestic Markets includes BNP Paribas Retail Banking networks in 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 three specialised business lines: Arval (corporate vehicle leasing and services), BNP Paribas Leasing Solutions (leasing and fi nancing solutions), BNP Paribas Personal Investors (online savings and brokerage), and Nickel (online banking services) acquired in July 2017.
Cash Management, Trade and Factoring round out the services provided to corporate clients under the One Bank for Corporates concept, in synergy with CIB s Corporate Banking. Wealth Management develops its Private Banking model in the domestic markets.
The purpose of Partners in Action for Customer Experience (PACE), a cross-functional team, is to help retail businesses offer a better customer experience and propose new business models to the entire Group.
Launched in 2013 and designed for use on smartphones and tablets, Hello bank! is the Group s digital bank in France, Belgium, Italy, Germany and Austria. At year-end 2018, Hello bank! had 3 million customers . With the acquisition of Compte-Nickel in 2017, the BNP Paribas set-up expanded to include new banking practices in France. The bank now offers a full set of solutions adapted to the needs of its various customer bases.
Domestic Markets employs nearly 70,000 people, including 53,400 working in the 4 domestic networks. It serves close to 18 million customers including over 850,000 professionals, small businesses and corporates in the 4 domestic networks.
Through Domestic Markets, BNP Paribas is the leading private bank in France(1) and Belgium(2), no. 1 in cash management in Europe(3) and no. 2 for professional equipment fi nancing in Europe(4).
(1) Source: Euromoney.
(2) Source: WorldFinance.
(3) Source: Greenwich Associates January 2019 .
(4) Source: Classement Leaseurope 2017, published in May 2018.
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
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