Mobilised to support you
Retail Banking
Retail Banking
Our Retail Banking division is constantly innovating to better serve our customers, anticipate changes in their uses and reinvent their experience. It brings together the Group’s retail-banking networks and several specialised businesses. Each one proposes products and services tailored to customer needs in order to support them each day and help them realise their projects.
Our retail-banking networks
French Retail Banking
7.6 million customers
BNP Paribas Fortis in Belgium
3.4 million customers
BNL in Italy
2.9 million customers
BGL BNP Paribas in Luxembourg
182,000 customers
International Retail Banking
15 million customers (Bank of the West: nearly 1.8 million customers; Europe-Mediterranean: 13.4 million customers)
Through its four domestic markets in the eurozone (France, Belgium, Italy and Luxembourg), BNP Paribas has a large network of experts and offers its customers a wide range of services and products such as financing or savings solutions. An ecosystem of partners strengthens these offers beyond banking services. In addition, our networks place innovation and security at the centre of their business model to adapt their products and services to customers’ new needs and deliver the best of the digital and human resources. International Retail Banking (IRB) brings together retail- and commercial-banking businesses outside the eurozone, in: the United States, China, Central and Eastern Europe, Turkey and Africa. Through its services spanning retail banking, wealth management and corporate banking, IRB offers a wide range of financial and non-financial services.
Our specialised business lines
Arval
Arval provides companies, their employees and individuals with an ecosystem of digital solutions, services and tools to optimise their mobility in line with current societal stakes, including energy transition and growth of the user economy.
A fleet of 1.4 million vehicles rented
In this period of health crisis, it is essential to guarantee our customers the most complete digital offering possible, as well as services that respond to changes in consumer habits.
Thierry Laborde, Chief Operating Officer, Retail Banking
BNP Paribas Leasing Solutions
BNP Paribas Leasing Solutions offers businesses and industry professionals leasing and finance solutions for their equipment. Through a variety of commercial channels (industrial partners like manufacturers and distributors, companies directly, retail-banking networks), BNP Paribas Leasing Solutions specialises in logistics and technological equipment. The company has integrated the Circular Economy in its business activities.
310,000 contracts in 2020 (€12.8bn) and €34bn in assets under management
BNP Paribas Personal Finance
BNP Paribas Personal Finance is the leading consumer credit specialist in Europe. Its commercial brands offer a full range of consumer loans through a variety of distribution channels. BNP Paribas Personal Finance is developing an active partnership strategy with large retailers, car manufacturers and distributors, e-merchants and other financial institutions. The company is also involved in financial education and e-inclusion.
Best securitisation issuer in Europe (Global Capital European Securitization Awards)
BNP Paribas Personal Investors
In addition to its traditional online brokerage business, BNP Paribas Personal Investors offers its individual customers a wide range of banking, credit and savings services. This business also provides independent financial advisors and asset managers with innovative digital services. BNP Paribas Personal Investors is covering Germany, India, and Austria. In Germany it offers services to 1.7 million clients and operates under three brand names amongst which Consorsbank, for individuals. Very strong increase in revenues in 2020
(Narrow-Based Index) (+36%)
Very strong increase in revenues in 2020 (Narrow-Based Index) (+36%)
Nickel
First bankless account launched in France, Nickel offers a current account available in
five minutes at a tobacconist or Point Nickel. Nickel is accessible to all with no income conditions. Over two million accounts were opened in France (April 2021).
+27% accounts opened in 1 year