Head of Human Resources wins HR Director of the ... - BNP Paribas
Head of Human Resources wins HR Director of the ... - BNP Paribas
Head of Human Resources wins HR Director of the ... - BNP Paribas
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Clients and Supplier<br />
Relations<br />
European consumers:<br />
“Seeking sustainable consumer choices”<br />
For <strong>the</strong> 15 th edition <strong>of</strong> its “Observer” survey, Cetelem measured and<br />
analysed consumer spending in eight major markets: Spain, France,<br />
Italy, Portugal, <strong>the</strong> United Kingdom, Russia, Germany and Belgium.<br />
In contrast to <strong>the</strong> results <strong>of</strong> its 1999 survey, Cetelem observed a shift<br />
in consumer confidence across Europe. The survey response from over<br />
5,000 consumers shows that Europeans are concerned about <strong>the</strong><br />
economy, but are optimistic about <strong>the</strong>ir own fortunes. Broadly speaking,<br />
consumers are in a buying mood but are more cautious than before about<br />
<strong>the</strong>ir spending. Overall, <strong>the</strong>ir decisions show <strong>the</strong> emergence <strong>of</strong> a more<br />
balanced, mature, and enlightened consumer culture.<br />
Listening to our clients<br />
In keeping with its client-centric focus, <strong>BNP</strong><br />
<strong>Paribas</strong> has developed a variety <strong>of</strong> quality<br />
monitoring and client feedback channels. These<br />
include client satisfaction surveys, “mystery<br />
visits” to branches, quality monitoring for staff<br />
performance, procedures and client service, and a<br />
complaint management process. The information<br />
obtained is used to develop new products and<br />
services in response to market needs, to optimise<br />
internal procedures, and to provide skills training<br />
for staff. The Quality and Client Relationship<br />
Department collaborates with marketing and<br />
sales managers in identifying areas for<br />
improvements to client service and formulating<br />
recommendations.<br />
In 2003, <strong>the</strong> results <strong>of</strong> <strong>the</strong> client satisfaction<br />
survey conducted in French Retail Banking<br />
showed a substantial improvement in clients’<br />
perceptions <strong>of</strong> <strong>the</strong> quality <strong>of</strong> branch premises and<br />
<strong>the</strong> service provided by account managers.<br />
During <strong>the</strong> year, Arval PHH, <strong>the</strong> <strong>BNP</strong> <strong>Paribas</strong><br />
vehicle leasing subsidiary, launched its own<br />
“Observer” study, which reports on <strong>the</strong> main<br />
trends in <strong>the</strong> corporate fleet market in France<br />
and <strong>the</strong> rest <strong>of</strong> Europe. In France, Arval PHH<br />
staged an innovative road safety campaign aimed<br />
at clients and employees in association with <strong>the</strong><br />
Road Safety and Traffic Department and<br />
CNAMTS, a national health insurance fund for<br />
employees.<br />
A new business model:<br />
multichannel banking<br />
The new Multichannel Bank business model<br />
implemented by <strong>BNP</strong> <strong>Paribas</strong> is designed to<br />
provide:<br />
• Easy access to banking services, ei<strong>the</strong>r via<br />
branch account managers or through<br />
full-service banking machines.<br />
• Remote banking channels, including telephone,<br />
Internet, Minitel and <strong>the</strong> postal system.<br />
<strong>BNP</strong> <strong>Paribas</strong> <strong>of</strong>fers clients <strong>the</strong> comfort <strong>of</strong> being<br />
able to do <strong>the</strong>ir banking when and where <strong>the</strong>y<br />
wish. Whatever <strong>the</strong> channel used to access<br />
<strong>the</strong> Bank, clients can keep track <strong>of</strong> <strong>the</strong>ir account<br />
details and transaction history. This approach<br />
enables <strong>BNP</strong> <strong>Paribas</strong> to continue to improve<br />
<strong>the</strong> quality, efficiency and responsiveness <strong>of</strong><br />
its services.