Commercial, Personal Banking & Services
Commercial, Personal Banking & Services (CPBS), which brings together all our commercial & personal banking entities and a number of specialised businesses, positions itself as a long-term and trusted companion for its clients. Efficient and agile, the division meets their financial needs and much more, serving their best interests and those of society as a whole.
As part of our strategic plan, CPBS is working to keep improving on the recommendations made by its clients and employees, with an increasingly personalised, enhanced and responsible product and service offering. By relying on an ecosystem of partners, CPBS teams combine the best of digital technologies and human support to offer clients an innovative and high-quality relationship.
OUR COMMERCIAL & PERSONAL BANKING ENTITIES
With four commercial & personal banking entities in the eurozone (France, Belgium, Italy, Luxembourg) and commercial & personal banking networks outside the eurozone (in Ukraine, Poland, Türkiye, Kosovo, Morocco, Algeria and China through its minority stake in Bank of Nanjing), BNP Paribas offers its clients a wide range of products and services. From savings to investments, and from financing to payment solutions or mobility, CPBS teams are at their side to implement all their projects.
- Commercial & Personal Banking in France (CPBF)
More than 8 million clients - BNP Paribas Fortis in Belgium
More than 3.8 million clients(1) - BNL in Italy
2.6 million clients - BGL BNP Paribas in Luxembourg
Nearly 184,000 clients - Europe-Mediterranean in Ukraine, Poland, Türkiye, Kosovo, Morocco, Algeria and in China through a minority stake
More than 16 million clients
OUR SPECIALISED BUSINESSES
ARVAL
Arval is a major player in the vehicle leasing market and offers a range of mobility solutions: car-sharing, long-term bicycle leasing, bicycle-sharing and mobility pass. It offers its clients (large international groups, mid-caps or SMEs, professionals and private individuals) flexible solutions to make their journeys smooth and responsible. With the goal of leasing 400,000 full-electric vehicles by 2026 and offering mobility solutions across all its regions, Arval has positioned itself as a key player in the energy transition and in sustainable mobility.
Arval is the second largest player in the European multi-brand vehicle long-term leasing sector, ranked #1 in Poland, #2 in France, Spain, Italy and Belgium, and #3 in the Netherlands(2).
BNP PARIBAS LEASING SOLUTIONS
BNP Paribas Leasing Solutions offers equipment leasing and financing solutions to corporate clients and professionals through various commercial channels (partnerships with manufacturers, distributors and resellers of professional equipment, directly via companies or from our commercial & personal banking network). BNP Paribas Leasing Solutions is committed to the ecological transition of its partners and clients, by financing more sustainable equipment and providing services to promote the circular economy.
More than 317,000 projects financed in 2024, amounting to €16.3 billion. The total amount of assets under management at the end of December 2024 was €40.4 billion.