2012 Registration document and annual financial report - BNP Paribas

GROUP PRESENTATIONPresentation of activities and business lines1INTERNATIONAL RETAIL BANKING (IRB)IRB comprises the Bank’s retail banking activities in 15 countries outsidethe euro zone.It has three business lines:■ Retail Banking, serving close to 7 million clients through a multichanneldistribution network (including 3,000 branches);■ Wealth Management, in cooperation with Investment Solutions;■ services for corporate clients, providing local access to all BNP Paribasproducts and services, as well as support in all the Group’s countriesthrough a network of 83 Business Centres, 22 Trade Centres and16 MNC Desks.BancWestIn the United States, the retail banking business is conducted throughBank of the West and First Hawaiian Bank, subsidiaries of BancWestCorporation since 1998, wholly-owned by BNP Paribas since the endof June 2001.Until 2006, BancWest pursued a policy of acquisitions to develop itsfranchise in western America. In the past six years, it has focused onorganic growth, by strengthening its infrastructure and, more recently,developing its sales and marketing capability, especially in the corporatesegment and in W ealth M anagement.Bank of the West markets a very broad range of retail banking productsand services to individuals, small businesses and corporate clientsin 19 States in western and mid-western America. It also has strongpositions across the USA in certain niche lending markets, such as marine,recreational vehicles, church lending, small business and agribusiness.With a local market share of more than 42% in deposits (1) , First HawaiianBank is Hawaii’s leading bank, offering banking services to a local clienteleof private individuals and corporates .BancWest currently serves some 1.5 million households. In total, it has11,766 employees, close to 800 branches and corporate offices, and totalassets close to USD 80 billion at 31 December 2012 . It ranks as the7 th- largest commercial bank in the western United States by deposits (1) .In 2012, for the second year running, Bank of the West came top of theregional banks in the Market Probe awards for its “Customer Advocacyscore”, demonstrating the excellent customer satisfaction levels it hasachieved.Europe-MediterraneanEurope-Mediterranean (EM) operates a network of 2,046 branches in14 geographical areas. It is present in Turkey, Central and Eastern Europe(Poland and Ukraine), the southern Mediterranean Basin (Morocco,Algeria and Tunisia), sub-Saharan Africa and in Asia through partnerships.EM is gradually rolling out the BNP Paribas Group’s integratedRetail Banking model which has proved so successful in its domesticmarkets by providing local customers with the expertise for whichthe Group has a strong competitive position in the market (dynamiccustomer segmentation, Cash Management, Trade Finance, multichanneldistribution, specialised financing, wealth management,mobile banking, etc.).In December 2012, Emirates NBD and BNP Paribas announced that theyhad signed a definitive agreement whereby BNP Paribas will sell its entirestake in BNP Paribas Egypt S.A.E. (BNP Paribas Egypt) to Emirates NBD,subject to Central Bank of Egypt approval and other regulatory approvalsin Egypt and the United Arab Emirates.PERSONAL FINANCEBNP Paribas Personal Finance, European no. 1 inpersonal loans (2)BNP Paribas Personal Finance (PF) is the Group’s consumer creditspecialist, with over 12 million active customers. It also has a residentialmortgage lending business. With more than 16,000 (3) employees in around20 countries, BNP Paribas Personal Finance ranks as the leading playerin France and in Europe (2) .Through brands such as Cetelem, Findomestic and AlphaCredit,BNP Paribas Personal Finance provides a comprehensive range ofconsumer loans at point of sale (retail stores and car dealerships) anddirectly to clients either online or through its customer relation centres.The consumer credit business also operates within the Group’s retailbanking network in the emerging countries, through the “PF Inside” setup.In France and Italy, Personal Finance’s offer was complemented withinsurance and savings products.It is also developing an active strategy of partnerships with retail chains,web merchants and other financial institutions (banking and insurance)drawing on its experience in the lending market and its ability to provideintegrated services tailored to the activity and commercial strategy of itspartners. It is also a leading player in responsible lending and financialliteracy.1(1) Source: SNL Financial, 30 June 2012.(2) Source: a nnual r eports of companies specialised in consumer credit.(3) Excluding LaSer staff.2012 Registration document and annual financial report - BNP PARIBAS 9