About BNP Paribas
BNP Paribas SA provides banking and financial services. Divisions The company operates through three divisions: Corporate & Institutional Banking (CIB); Commercial, Personal Banking & Services (CPBS); and Investment & Protection Services (IPS). Corporate & Institutional Banking (CIB) This division covers Global Banking, Global Markets and Securities Services. Global Banking combines financing solutions to corporates, all transaction banking products, corporate finance advisory services in mergers and acquisitions and primary equity activities. Global Markets provides investment, hedging, financing and research services across asset classes, to corporate and institutional clients, as well as private and retail banking networks. The sustainable, long-term business model of Global Markets connects clients to capital markets throughout EMEA (Europe, Middle East & Africa), Asia Pacific and the Americas, with innovative solutions and digital platforms. Global Markets includes activities of Fixed Income, Currencies & Commodities and Equity & Prime Services. Securities Services provides integrated solutions for all actors involved in the investment cycle, sell side, buy side and issuers. The company is one of the major global players in securities services. Commercial, Personal Banking & Services (CPBS) This division covers Commercial & Personal banking in the euro zone, with Commercial & Personal Banking in France (CPBF), Commercial & Personal Banking in Italy (BNL bc), Commercial & Personal Banking in Belgium (CPBB) and Commercial & Personal Banking in Luxembourg (CPBL); Commercial banking outside the euro zone, which are organised around Europe-Mediterranean, to cover Central and Eastern Europe and Türkiye, and BancWest in the United States. Lastly, it also covers specialised businesses, (Arval, BNP Paribas Leasing Solutions, BNP Paribas Personal Finance, BNP Paribas Personal Investors and New digital business lines like Nickel, Floa, Lyf). Arval: Specialist in vehicle long-term leasing and mobility, Arval offers corporates (from multinational companies to small and medium companies), employees and individuals tailored solutions that optimise their mobility. BNP Paribas Leasing Solutions uses a multi-channel partnership approach (sales via referrals, partnerships, direct sales and banking networks) to offer corporate and small business clients an array of leasing and rental solutions, ranging from equipment financing to fleet outsourcing. BNP Paribas Personal Finance is the company's consumer credit specialist. Through its brands and partnerships, such as Cetelem, Cofinoga, Findomestic, AlphaCredit or Opel Vauxhall, Personal Finance provides a full range of consumer loans at point of sale (retail stores and car dealerships) or through its customer relation centres and websites and mobile applications. The business line, in some countries outside the domestic markets, is integrated into the company's retail banking. BNP Paribas Personal Investors is a digital specialist of banking and investment services. Based in Germany and India, it provides a wide range of banking, savings and long and short-term investment services to individual clients via the internet, and also on the phone and face-to-face. In addition to its activities destined to private clients, Personal Investors offers its services and IT platform to independent financial consultants, asset managers and FinTechs. New digital businesses include in particular the account management service 'Nickel', open to all, without any conditions regarding income, deposits or personal wealth, and without any overdraft or credit facility. This service, which operates in real time using the latest technology, is available through over 9,000 points of sale in France, Spain, Belgium and Portugal. Investment & Protection Services (IPS) This division covers Insurance (BNP Paribas Cardif), Wealth and Asset Management (BNP Paribas Asset Management, BNP Paribas Wealth Management and BNP Paribas Real Estate), Management of the BNP Paribas Group's portfolio of unlisted and listed industrial and commercial investments (BNP Paribas Principal Investments). BNP Paribas Asset Management is the dedicated asset management business line of the company and offers services to individual investors (through internal distributors - BNP Paribas private and retail banking - and external distributors), to corporates and to institutional investors (insurance companies, retirement funds, official institutions, consultants). BNP Paribas Cardif, a world leader in personal insurance, has designed, developed and marketed savings and protection products and services to protect individuals, their projects and their assets. BNP Paribas Cardif also offers products in damage insurance, health insurance, budget insurance, revenue and means of payment insurance, unexpected event protection (unemployment, accident, death, theft or breakage) or the protection of private digital data to meet the evolution of customers' needs. BNP Paribas Real Estate serves the needs of its clients, whether institutional investors, corporates, public entities or individuals, at all stages of the life cycle of their property (from the conception of a construction project to its daily management). Wealth Management encompasses the private banking activities of the company and serves a clientele of wealthy individuals, shareholder families and entrepreneurs seeking a one-stop shop for all their wealth management and financial needs. Other Activities Other activities mainly include activities related to the company's central treasury function, some costs related to cross-business projects, the residential mortgage lending business of Personal Finance (a significant part of which is managed in run-off), and certain investments. History BNP Paribas SA was founded in 1822. The company was incorporated in 1966.