AT A GLANCE
The bank
for a changing
world
In a changing world, BNP Paribas acts
as a responsible bank and provides solutions
to all its clients: individuals, community associations,
entrepreneurs, SMEs, corporate clients
and institutional investors.
The Group helps them realise their personal
and professional projects through solutions
spanning financing, investment, savings
and protection insurance.
BNP Paribas is a leading provider of banking and
financial services in Europe. It is present in 75 countries
with nearly 188,000 employees.
The Group holds key positions in its 2 core activities:
Retail Banking & Services,
comprising Domestic
Markets and International Financial Services;
and
Corporate & Institutional Banking.
AN INTEGRATED BANKING
AND FINANCIAL
SERVICES GROUP
The capacity to serve a diversified client base is at the heart of BNP Paribas’ business model.
BNP Paribas is also “the bank for a changing world”. In all its activities, the bank aims to drive and anticipate innovation, and it is committed to helping and supporting clients as they face change. For individual customers, this includes online and mobile banking, together with new payment solutions. For companies, the Group’s ‘One Bank for Corporates’ network is designed to support the globalisation of their businesses. And for those wishing to set up their own business, BNP Paribas is there to help them bring their plans to fruition.
In Europe, the Group’s carries out its activities in 4 domestic markets - Belgium, France, Italy and Luxembourg - and is the leader in consumer finance via BNP Paribas Personal Finance.
In addition, BNP Paribas is rolling out its integrated retail-banking model in Mediterranean countries, in Turkey and in Eastern Europe, and has a large network in the Western United States.
Its Corporate & Institutional Banking and International Financial Ser vices businesses are among the leaders in Europe and enjoy top positions in the Americas as well as a robust, fast-growing business in Asia-Pacific.
All figures as at 31 December 2014.
A GOOD OPERATING
PERFORMANCE IN 2014
THE GROUP’S 2014 RESULTS REFLECT THE NEGATIVE IMPACT OF SIGNIFICANT ONE-OFF ITEMS, PRINCIPALLY THE COSTS RELATING TO THE COMPREHENSIVE
SETTLEMENT WITH THE US AUTHORITIES. EXCLUDING THESE ITEMS, THE GROUP DELIVERED A GOOD OPERATING PERFORMANCE THANKS TO ITS DIVERSIFIED AND INTEGRATED BUSINESS MODEL AND TO THE TRUST
OF ITS INSTITUTIONAL, CORPORATE AND INDIVIDUAL CLIENTS.
*Of which costs related to the comprehensive settlement with the US authorities: €6bn.
*Operating divisions.
XX
2013 2014
0.2
4.8
NET INCOME ATTRIBUTABLE TO EQUITY HOLDERS
(in €bn)
LONG-TERM/SHORT-TERM CREDIT RATING AS AT 28 MAY 2015
REVENUES* (in 2014) 2014 2013
38.4
39.2
REVENUES (in €bn)NET INCOME ATTRIBUTABLE TO EQUITY
HOLDERS EXCLUDING ONE-OFF ITEMS
(in €bn)
STANDARD & POOR’S
NEGATIVE OUTLOOK LAST REVIEW 3 JULY 2014
A+/A-1
FITCH STABLE OUTLOOK LAST REVIEW 19 MAY 2015A+/F1
MOODY’S STABLE OUTLOOK LAST REVIEW 28 MAY 2015A1/
PRIME-1
20147.0
* 20136.0
28.5 €bn
Retail Banking & Services10.3 €bn
Corporate & Institutional Banking CIBN
O.
3
BANK IN EUROPE AND NO. 11 BANK IN THE WORLDBY BRAND VALUE (Brand Finance, The Banker)
N
O.
2
BANK FOR ITS COMMITMENT TO PROTECT THE ENVIRONMENT(Bloomberg’s 2014 ranking of the World’s Greenest Banks)
BNP PARIBAS IS CERTIFIED “TOP EMPLOYER EUROPE 2014”
THE BOARD
OF DIRECTORS
THE BOARD OF DIRECTORS FORMULATES BNP PARIBAS’ STRATEGY AND OVERALL BUSINESS OBJECTIVES BASED ON PROPOSALS SUBMITTED BY EXECUTIVE MANAGEMENT. IT APPOINTS THE CHIEF EXECUTIVE OFFICER AND THE CHIEF OPERATING OFFICERS.
IT EXAMINES AND DECIDES ON STRATEGIC OPERATIONS
AND OVERSEES THE IMPLEMENTATION OF THE OBJECTIVES IT HAS APPROVED. THE BOARD IS ALSO KEPT REGULARLY INFORMED OF THE GROUP’S
LIQUIDITY SITUATION AND ONGOING COMMITMENTS. AT 31 DECEMBER 2014, THE BOARD OF DIRECTORS COMPRISED
15 DIRECTORS, 2 OF WHOM WERE ELECTED BY THE STAFF.
1 JEAN LEMIERRE
Chairman of the Board of Directors of BNP Paribas since 1 December 2014
2 MICHEL PÉBEREAU
Honorary Chairman of BNP Paribas
3 JEAN-LAURENT BONNAFÉ
Chief Executive Officer and Director of BNP Paribas
4 PIERRE-ANDRÉ DE CHALENDAR
Chairman and Chief Executive Officer of Saint-Gobain
5 MONIQUE COHEN
Partner of Apax France
6 MARION GUILLOU
Chairman of Agreenium
7 DENIS KESSLER
Chairman and Chief Executive Officer of SCOR SE
8 JEAN-FRANÇOIS LEPETIT
Director of companies
9 NICOLE MISSON
Customer Advisor, Director elected by BNP Paribas employees
10 LAURENCE PARISOT
Vice-Chairman of the Management Board of Ifop SA
11 DANIELA SCHWARZER
Research Professor at the Institute for European and Eurasian Studies at the Johns Hopkins University, Director of the European programmes
of the German Marshall Fund
12 MICHEL TILMANT
Manager of Strafin sprl
13 EMIEL VAN BROEKHOVEN
Economist, Honorary Professor at the University of Antwerp
14 FIELDS WICKER-MIURIN
Co-founder and Partner at Leaders’ Quest
THIERRY MOUCHARD *
Administrative Assistant, Customer Transactions Department; Director elected by BNP Paribas employees
* Absent on the day of the photo session.
OTHER CORPORATE OFFICERS PHILIPPE BORDENAVE
Chief Operating Officer of BNP Paribas
FRANÇOIS VILLEROY DE GALHAU
THE EXECUTIVE COMMITTEE
IN SESSION
MARIE-CLAIRE CAPOBIANCO
French Retail Banking FABIO GALLIABNL THIERRY VARÈNE Key Accounts
STEFAAN DECRAENE
International Retail Banking FRANK RONCEYRisk
ÉRIC RAYNAUD
Asia-Pacific
JACQUES D'ESTAIS
Deputy Chief Operating Officer Group Human ResourcesYVES MARTRENCHAR
MICHEL KONCZATY
Deputy Chief Operating Officer Group ComplianceÉRIC MARTIN
THIERRY LABORDE
BNP Paribas Personal Finance
ALAIN PAPIASSE
Deputy Chief Operating Officer
JEAN-LAURENT BONNAFÉ
Chief Executive Officer and Director MAXIME JADOT BNP Paribas Fortis FRÉDÉRIC JANBON Special Advisor to Executive Management
FRANÇOIS VILLEROY DE GALHAU
Chief Operating Officer YANN GÉRARDINCorporate and Institutional Banking
PHILIPPE BORDENAVE
Chief Operating Officer
THE EXECUTIVE COMMITTEE, UNDER THE AUTHORITY OF THE CHIEF EXECUTIVE OFFICER, COMPRISES THE CHIEF OPERATING OFFICERS
AND HEADS OF GROUP BUSINESS LINES AND FUNCTIONS. AS AT 31 DECEMBER 2014, THE EXECUTIVE COMMITTEE
RETAIL BANKING & SERVICES CONSISTS OF THE GROUP’S RETAIL BANKING NETWORKS AND SPECIALISED FINANCIAL SERVICES
IN FRANCE AND AROUND THE WORLD. IT COMPRISES
DOMESTIC MARKETSAND INTERNATIONAL FINANCIAL SERVICES.
RETAIL BANKING
& SERVICES
DOMESTIC MARKETS
Domestic Markets comprises the Group’s 4 retail banking networks in the eurozone, 3 specialised activities, and 1 cross-business team.
The retail banks are French Retail Banking in France, BNL bcin Italy,
BNP ParibasFortisin Belgium and
BGL BNP Paribas in Luxembourg. The 3 specialised activities areArval ( f ul l-s e r v i c e v e hi c l e l e a sin g ) ,
BNP Paribas Leasing Solutions and
BNP Pariba s Personal Investors (savings and online brokerage). Finally, the cross-business team Retail Development & Innovation (RD&I) is tasked with supporting the development of all retail banking activities and of BNP Paribas Personal Finance and International Retail Banking.
NEARLY
70,000
EMPLOYEES IN 26 COUNTRIES, INCLUDING MORE THAN 60,000IN THE 4 DOMESTIC MARKETS
more than
15
MILLION INDIVIDUAL CUSTOMERS
more than
1
MILLIONPROFESSIONAL, SMALL BUSINESS, AND CORPORATE CLIENTS
more than
3,800
International Financial Services (IFS) is made up of several entities.
BNP Paribas Personal Finance offers credit solutions to individuals in approximately 30 countries and via strong brands such as Cetelem in France and Findomestic in Italy.
International Retail Banking covers the Group’s retail banks in 15 non-eurozone countries.
BNP Paribas Cardif provides savings and protection solutions that insure individuals, their personal projects and property in 37 countries.
In addition, IFS has 3 specialised business lines that are leader s in a sset management and private banking:
BNP Paribas Wealth Management
( private bank ing ), BNP Pariba s Investment Partners (asset management) and BNP Paribas Real Estate (real estate services).
more than
81,000
EMPLOYEES
more than
60
COUNTRIES15
MILLION INDIVIDUAL AND BUSINESS CUSTOMERSnearly
3,200
BRANCHESCORPORATE & INSTITUTIONAL BANKING PROVIDES A FULL RANGE OF SOLUTIONS TAILORED
TO THE NEEDS OF 2 CLIENT FRANCHISES: CORPORATES AND INSTITUTIONAL INVESTORS.
CORPORATE
& INSTITUTIONAL
BANKING
Corporate & Institutional Banking comprises 3 business lines:
Corporate Banking, providing corporate finance solutions; Global Markets, covering all market activities; and BNP Paribas Securities Services.
Corporate & Institutional Banking is a global leader in Debt Capital Markets
and derivatives (bonds, convertibles and equity issuance). It is a top European house in Equity Capital Markets and it has leading franchises in specialised financing. It is a top five house world-wide in securities services.
more than
29,000
EMPLOYEES57
COUNTRIES13,000
CORPORATE AND INSTITUTIONAL CLIENTS TheBNP Paribas Foundation has played a major role in corporate philanthropy for 30 years. It supports projects in three main areas: the arts, social inclusion and the environment. It is highly committed to its partners, as shown by its long-term support of their projects.BNP Paribas has enjoyed a long relationship with the world of cinema
through exclusive partnerships in Europe. The Group’s passion for cinema is also reflected in its commitment to financing the film industry and the restoration of classic films.
BNP Paribas is the world’s NO. 1 tennis sponsor.
Since 1973 its
longstanding commitment has extended to all levels of the sport, with which it shares common values. This commitment encompasses singles tennis, wheelchair tennis, team tennis, family tennis, amateur tennis as well as major professional tournaments.
PARTNERSHIPS
BNP PARIBAS IS OPEN TO THE WORLD AND FAITHFUL TO THE PARTNERSHIPS
BNP PARIBAS
Head office
16, boulevard des Italiens - 75009 Paris (France) Tel: 33 (0)1 40 14 45 46
Société anonyme (Public Limited Company) with a capital of €2,491,915,350 - RCS Paris 662 042 449
