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, directly with companies and retail banking networks), BNP Paribas Leasing Solutions supports players in the real economy by financing all major professional equipment markets. It also contributes to the environmental transition of its customers by financing equipment with a positive impact and by supporting the circular economy.
"European Lessor of the Year" for the 2nd year in a row (Leasing Life, the leading leasing media in Europe)
BNP Paribas Personal Finance
BNP Paribas Personal Finance is a major player in consumer credit 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.
More than one million self‑care operations per month, performed by 400 robots automating processes developed and built in‑house
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, asset managers and fintechs with innovative digital services. BNP Paribas Personal Investors is present in India, Germany and Austria (until 1 December 2021, date of the sale of Hello bank! Austria), through three brands including Consorsbank for private individuals.
4.5 million individual customers in 2021
Nickel
The first bankless account launched in France in 2014, Nickel offers a current account available in five minutes at one of its 6,500 tobacconist partners or Nickel Points, allowing its customers to pay and be paid thanks to a simple and practical offer. After Spain in 2020, Nickel will develop in other European countries, starting with Belgium and Portugal from the first quarter of 2022, then Germany in 2023.
2.5 million individual customers in France since its launch in 2014
The purpose of Commercial, Personal Banking & Services is to support our customers, with complete trust, by offering them the best of digital and human services, as well as solutions for their financial needs and beyond.
VISION
With the launch of the GTS 2025 plan, the CPBS division affirms its ambition to federate the Group’s commercial & personal banks and several specialised businesses with efficiency and agility. It also aims to position itself as a trusted companion to meet the financial needs of its customers and, beyond that, best serve their interests and that of society.
To achieve this vision, CPBS has established four priorities:
- The division intends, firstly, to build on recommendations from customers and employees, by strengthening its customer‑centric organisation with the support of agile working methods and fully empowered teams.
- CPBS also intends to improve the experience of its customers, by offering a simplified, enriched and sustainable range of products and services to extend well beyond traditional banking services.
- Customer relationships will be based on the best of people and digital technology with, on the one hand, advisors who are more available and offer greater expertise, and on the other, the development of digital tools that answer its customers’ self‑care needs.
- Finally, CPBS will continue to build a resilient and industrialised operating model.
STRATEGY
The combined strength of its leadership positions in two‑thirds of its business lines and of its transformed operating model gives CPBS significant growth potential. Its 2025 vision feeds the action plans of each of its business lines and ensures the development of revenues and profitability.
- The division aims first and foremost to accelerate significant and profitable growth from its specialised businesses, which are leaders in growing markets.
- It then intends to strengthen its leadership positions in Europe for corporate clients and the Private Banking segment.
- CPBS is also preparing to reposition its retail banking activities to further improve its attractiveness while adapting its operating model.
- Lastly, the division continues to improve its efficiency to reduce operating costs and finance new initiatives.