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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.

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