BNP Paribas was one of the first banking groups to establish a pan-European presence in Retail Banking. The Group is a leader in Financial Services and its unique business model has demonstrated its effectiveness: BNP Paribas' network and Financial Services subsidiaries mesh together to form a highly efficient organisation.

International Retail Services (IRS) -

A powerful international network

The International Retail Services (IRS) business counts 71,000 people in more than 60 countries. Three business lines encompass BNP Paribas subsidiaries and branches operating under well-known brands that are often leaders in their respective markets.

Cetelem, for example, is number one in consumer finance in France and is building its international coverage. In leasing with services and business equipment management, Arius, Artegy and Arval all enjoy dominant positions in Europe. IRS also has top-tier positions in the private mortgage business with UCB, and in asset finance with BNP Paribas Lease Group.

In retail banking, IRS leads a network of local banks. In the Western United States the BancWest group units Bank of the West and First Hawaiian Bank now cover markets experiencing robust growth in 20 states.

The Emerging Markets unit covers 34 countries. Its international networks counts close to 2,000 branch offices serving more than 4 million clients. In the past few years, it expanded in new markets (Kuwait, Saudi Arabia, Algeria, Israel, Russia and Mauritania) and made major investments in Turkey (TEB), China (NCCB) and Ukraine (UkrSibbank). This business is also enjoying significant recognition in its retail banking networks in North Africa (with UBCI in Tunisia, BMCI in Morocco), in Africa with the BICI network, in Madagascar with BMOI and in all the countries where BNP Paribas is active in retail banking under its own brand (French overseas departments and territories, Near East and Middle East).

Retail Banking in France -

Dedicated to customer service

BNP Paribas has large Retail Banking operations in France, with 6 million customers, and maintains a leading position in Internet Banking Services, thanks to the Group dedication to innovation. Through its 2,200 retail branches spread throughout the country, BNP Paribas builds a personal relationship with its individual, independent professional and corporate customers.

This core business line benefits from the dynamics of the BNP Paribas Group: notably, an expansive product range, tailored to the needs of its customers, innovative services and deep-rooted commitment to quality.

Retail Banking in Italy -

BNL banca commerciale (BNL bc) is described as BNP Paribas Group's "second domestic market". With a network of more than 700 branches, it provides commercial banking services in Italy to individual and private banking clients, Small- and Medium-sized companies and territorial authorities. BNL bc is the 7th-largest bank in Italy in terms of both customer loans and deposits.