A fleet of nearly 1.6 million vehicles (including almost 300,000 electrified vehicles) leased to its 300,000 customers
BNP Paribas Leasing Solutions
BNP Paribas Leasing Solutions offers corporate clients and professionals in the industry with leasing and financing solutions for their equipment, through various commercial channels (industrial partners such as manufacturers, distributors and resellers, direct business clients or companies from the net-work of commercial & personal banking). BNP Paribas Leasing Solutions contributes to the ecological transition of its customers by financing positive impact equipment and providing services that promote and support the circular economy.
“European Lessor of the Year” for the seventh year and “Best Energy Transition Programme”, awards granted in 2022 by Leasing Life, the leading magazine dedicated to leasing 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 has set itself a target of €20bn in sustainable finance, with sustained efforts in four areas: financial inclusion, the energy transition for housing, sustainable mobility and the circular economy.
€5.9bn in sustainable finance outstandings at the end of 2022
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 advisers, asset managers and fintechs with innovative digital services. BNP Paribas Personal Investors is present in India and Germany through three brands, including Consorsbank for individual customers.
5.2 million individual customers
Nickel
This first “bankless” account was launched in France in 2014. Nickel offers a current account that can be opened in five minutes from tobacconist partners or Points Nickel (points of sale), of which there were more than 8,800 in Europe at the end of 2022. Its customers can pay, and be paid, via a simple and inclusive offer, based on four values: universality, simplicity, usefulness and caring. Thanks to its digital model and a local distribution method in France, Belgium, Portugal and Spain, Nickel maintained a sustained rate of customer acquisition throughout the year.
3 million individual customer accounts have been opened, since its launch in 2014
FLOA
Already leader in France in payment facilities, and present in Spain, Belgium, Italy and Portugal, FLOA joined the BNP Paribas Group in February 2022. As a pioneer in payment facilities, FLOA offers consumers split payments, mini-loans and bank cards. The company is a partner of major e-retailers, key players in travel and fintechs, for which it develops tailor-made services.
More than 4 million customers and more than €2.5bn in goods
and services financed each year
(1) Disposal agreements were signed with the Group’s banks in Senegal on 29 July 2022 and in Côte d’Ivoire on 30 September 2022. The transactions were completed on 28 April 2023 and 15 February 2023 respectively. (2) Excluding the 600,000 active customers of bpost banque and Fintro customers.
“The solid performance of our commercial & personal banking and our specialised businesses embodies the energy and sustained work of our teams to support our customers over the long term. It will enable us to strengthen our leadership positions in Europe and accelerate the profitable growth of our business lines while continuing to improve customer satisfaction.”
Strategy for 2025
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 into the action plans of each of its business lines and ensures the development of revenues and profitability.
To achieve its goals, the division aims to:
- accelerate the significant and profitable growth of its specialised businesses;
- strengthen its leadership in Europe for corporate clients and the private banking segment;
- reposition its commercial & personal banking activities to become even more attractive, while adapting its operating model;
- pursue continuous improvement of its efficiency.
Progress in 2022
In a complex and uncertain economic environment, the entities of the CPBS division, both commercial & personal banking and specialised businesses, performed very well, consolidating the development strategy and confirming the goals of the 2025 plan.
In 2022, the division thus:
- continued to adapt its model to offer a customer relationship driven by achieving a balance between human interaction and digital technology, and deployed new service models;
- innovated and enriched its offer by making acquisitions or partnerships with fintechs to offer its customers new solutions “for and beyond banking”;
- accelerated the industrialisation of its operating model;
- intensified cross-functionality between its business lines, leaders in many European markets, whose combination of solutions and expertise differentiates BNP Paribas with value-added in markets, such as mobility;
- strengthened its sustainable financing solutions, its services and the expertise of its teams, to provide personalised support to all its customers in their transition.