2019 Integrated Report

A strategy in each operating division

Strategy and performance

A strategy in each operating division

A strategy in each operating division

BNP Paribas’ three operating divisions are implementing the 2017-2020 strategic plan in specific ways within their respective areas. By focusing on the digital transformation of products and services and the continuous enrichment of client franchises within the Group’s integrated business model, they are all improving operational efficiency and the customer experience. At the same time, in response to today’s environmental and social challenges, the Group’s business lines are offering solutions to customers and partners to help with their own ecological transitions and increase their positive impact on society

DOMESTIC MARKETS

Domestic Markets (DM) places innovation and security at the heart of its strategy in order to adapt solutions to customers’ new habits and support them each day in realising their projects. By using the best of both digital and human resources, the Domestic Markets operating division is reinventing customer journeys and offering customers seamless, personalised solutions. DM is strengthening its positive impact, notably by helping customers in their energy transitions, encouraging banking inclusion and supporting women’s entrepreneurship.

Key drivers of growth:

  • Innovation and security
  • Reinventing the customer experience and omnichannel systems
  • Personalisation of servicess
  • Supporting customers beyond banking services
  • Supporting the energy transition of our clients
  • Supporting inclusive banking

INTERNATIONAL FINANCIAL SERVICES

International Financial Services (IFS) businesses are consolidating their leading positions at the heart of the Group’s integrated business model. They focus on growth based on best-in-class solutions, digital platforms, partnerships and distribution networks. With ‘Plug and Play’ in Station F and Bivwak!, IFS capitalises on two complementary systems— one internal and the other external—to build new, flexible customer journeys and promote the development of quality products and services that meet customer needs and the company’s challenges.

Key drivers of growth:

  • Support for the development of partnerships
  • Diversification of the product range
  • Continued development of self-care and 100% digital solutions
  • Optimisation of customer service in all businesses
  • Development of responsible and sustainable solutions for the ecological transition

CORPORATE & INSTITUTIONAL BANKING

Corporate & Institutional Banking (CIB) is consolidating its leading position in Europe in corporate banking with the intensification of growth plans for targeted regions and the success of its Capital Markets platform. It also continues to strengthen its solutions for institutional investors. CIB capitalises on its international presence with targeted initiatives in Asia-Pacific and the Americas, notably through strengthened cooperation within the Group.

Key drivers of growth:

  • Digitalisation of customer journeys
  • Active cooperation with fintechs and development of products and services
  • Improvement in operational efficiency and client service
  •  Strengthening of customer franchises within the Group’s integrated business model
  • Support for the transformation of businesses and clients
OUR 2020 HR POLICY

To support the deployment of its medium-term strategic plan, BNP Paribas has defined a Human Resources strategy for all operating divisions, business lines and functions. Gaining enhanced knowledge of its employees and relying on HR data are at the heart of the Group’s strategy to offer dynamic, personalised career-management—and thus enrich the employee experience. Anticipating individual needs and supporting employees with their plans within the Group are essential for BNP Paribas. The Group’s ‘employer promise’, based on four pillars—a sustainable and responsible global leader, a learning company, an openminded group, and the place to work differently—makes it consistent and attractive with regard to current employees whose loyalty must be earned as well as to future employees who need to be won over