BNP Paribas Leasing Solutions provides business clients operating in key sectors with leasing and financing solutions for their equipment, through various commercial channels (industrial partners such as manufacturers, distributors and resellers; direct business customers or companies from the commercial & personal banking network). BNP Paribas Leasing Solutions contributes to its customers’ ecological transition by financing low-carbon equipment and providing services to promote and support the circular economy.
More than 323,000 projects financed in 2023, amounting to €15.5 billion. In total, €39.6 billion in assets under management at the end of December 2023
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. In addition, the company is pursuing its efforts in sustainable finance in four areas: financial inclusion, the energy transition in housing, sustainable mobility, and the circular economy.
At the end of 2023, sustainable finance outstandings amounted to €8.9 billion, i.e. 8% of total outstandings, including the financing of the energy transition in housing, to the tune of €4 billion
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, as well as short and long-term investment solutions. This business line also provides innovative digital services to independent financial advisers, asset managers and fintechs. BNP Paribas Personal Investors works in Germany, through three brands, including Consorsbank for individual customers, and in India(3).
5.3 million individual customers (including 2 million in Germany)
BNP Paribas’ 100% digital offering provides its individual customers with real-time daily banking services, with credit, savings, investment and insurance solutions adapted to their new uses and ways of working. In France, it also provides a range of services and support to entrepreneurs. Hello bank! operates in France, Belgium and Germany.
Created in 2013, Hello bank! celebrated its 10th anniversary in France and has been ranked #1 in digital customer relations for 4 years(4)
Nickel, launched in France in 2014, offers a current account available in five minutes from its partners at tobacconists or Nickel Points (over 10,000 in Europe at the end of 2023). Its customers can pay, and be paid, via a simple and inclusive offer, based on four values: universality, simplicity, usefulness and kindness. On the strength of its digital model and a local distribution network in France, Spain, Belgium and Portugal, Nickel maintained a sustained rate of customer acquisition throughout the year and launched its business in Germany in September 2023.
Nearly 3.7 million individual customer accounts have been opened since it was launched in 2014(5)
FLOA, already the leading provider of payment facilities in France, is also present in Spain, Belgium, Italy and Portugal, and is a pioneer in this field, offering consumers fractional 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.
4 million customers and over €2.5 billion in goods and services financed each year
Cash Management (#1 in Europe for large corporates), Trade Finance (#1 in Europe) and Factoring (#1 in Europe), operating in synergy with the Global Banking business line of the Corporate & Institutional Banking division, complete the offering provided to commercial & personal banking corporate clients, based on the One Bank for Corporates approach. For its part, the Wealth Management activity is developing its private banking model in commercial & personal banking.
Drawing on its market-leading positions in two-thirds of its business lines and the ongoing transformation of its operating model, the CPBS division has significant growth potential. Its vision for 2025 fuels the action plans of its business lines to ensure the growth of revenues and profitability.
To achieve its goals, CPBS aims to:
In an economic environment that remains complex and uncertain, commercial & personal banking and the specialised businesses have combined agility and performance to serve both their customers and society, consolidating the division’s development strategy and confirming the goals of the GTS 2025 plan.
In 2023, CPBS:
