Moreover, most of our business lines have either rolled out their strategic plans or are in the process of doing so, to continue adapting their models to our clients’ evolving needs, whilst anticipating new trends in banking. These plans are designed to consolidate our leading positions, notably as a corporate and private bank.
We have also adapted our governance to reinforce our integrated model and cross-functional collaboration among our business lines. This is reflected in the creation of a unit bringing together our commercial and personal banking entities in the eurozone to promote the pooling of investments and technological assets, while developing cross-selling opportunities with our CIB and IPS divisions. For its part, our CIB division has adapted its organisation to accelerate the deployment of the “Originate & Distribute” approach, which connects investment opportunities for institutional investors with the financing needs of corporate clients. The new platform, BNP Paribas Asset Management, will also fully participate in this undertaking.
We continued to invest in technology with a view to developing new services and improving the quality of our processes, while remaining true to our core values of investing steadily and methodically. The deployment of artificial intelligence is gathering pace at all levels of the Group and yielding tangible results: for example, halving the time required to process mortgage applications at Commercial & Personal Banking in France, or analysing over 150,000 transactions per year as part of CIB’s financial security systems.
We are also involved in several consortia dedicated to the development of stablecoins. We are notably participating in two initiatives: one that is international, focusing on major currencies, including the US dollar; and the other, led by European banks, involving the launch of a euro-backed stablecoin, thereby contributing to Europe’s strategic autonomy in the field of payments. This is a goal to which we also contribute by actively backing the Wero project, as we have done since its creation. These research and development efforts are essential in a fast-changing payments landscape, enabling us to keep pace with the evolving uses and needs of our clients.
Turning to the transition, we have stayed on course and are continuing to implement our roadmap by supporting our clients as they transform. We have largely exceeded our targets by mobilising over €250 billion since 2022 for our clients’ low-carbon transition, and have strengthened our position as a leader in sustainable finance, with US$69 billion in sustainable bonds and loans in 2025, ranking the Group as the world leader for the third consecutive year. These financings help bring concrete projects to fruition, whether they involve developing new nuclear or renewable energy capacities, integrating renewable energy into the power grid, or producing the minerals essential to the transition. They also support the growth of more sustainable mobility and promote energy-efficient home renovations among our clients.
All of these initiatives, whether carried out within the business lines or across the Group, have enabled us to set ambitious performance and return targets, shaping our growth trajectory through to 2028. We are entering a new phase of development, with growth drivers already in place and favourable long-term tailwinds, which will allow us to continue creating value for all our stakeholders.
BNP Paribas boasts all the necessary expertise, as well as leading industrial and technological platforms, to provide long-term support for the European economy. At a time when Europe needs to make full use of its assets – talents, companies, capacity for innovation, the depth of its single market and abundant savings – we intend to play an active role in this collective undertaking.
WRITTEN ON 7 APRIL 2026.
