2012 Registration document and annual financial report - BNP Paribas

GROUP PRESENTATIONPresentation of activities and business lines1BNL BANCA COMMERCIALEBNL bc is Italy’s 6 th largest bank in terms of total assets and loans tocustomers (1) . It provides a comprehensive range of banking, financialand insurance products and services to meet the needs of its diversifiedclient base consisting of:■ around 2.2 million (2) individual and 28,100 (2) private banking clients(number of households);■ 144,800 (2) small business clients;■ over 26,200 (2) medium and large companies, including LargeRelationships consisting of around 455 groups and 1,800 operatingcompanies;■ 16,000 (2) local authorities and non-profit organisations .In retail and private banking, BNL bc has a strong position in lending,especially residential mortgages (market share of around 7% (3) ), and agrowing deposit base (market share of 3.9% (3) for current accounts) wellahead of its network penetration (2.7% (3) in terms of branch numbers).BNL bc also has a long-standing tradition in supporting large companiesand local authorities (with market shares for loans to corporates of over4% (3) and 1.2% (4) for loans to local authorities) with a well-establishedreputation in cross-border payments, project financing and structuredfinance, as well as factoring through its specialised subsidiary Ifitalia(which ranks 3rd in the market in terms of annual turnover (5) ). .BNL bc has adopted a multi-channel distribution approach, organisedinto regions (“direzioni territoriali”) with the Retail & Private Banking andCorporate Banking activities being run as separate structures:■ close to 890 branches;■ 33 Private Banking Centres;■ 42 Small Business Centres;■ 53 branches dealing with small and medium enterprises, largecorporates, local authorities and public sector organisations;■ 5 Trade Centres in Italy for its clients’ cross-border activities,complementing BNP Paribas’ international network;■ a network of 10 Italian D esks, mainly located in the Mediterraneanarea, to assist Italian companies in their operations abroad as well asmultinational companies with direct investments in Italy.The multi-channel offering is complemented by some 1,950 ATMs and38,000 POS terminals, as well as telephone and online banking for bothretail and corporate clients.BELGIAN RETAIL BANKING (BRB)Retail & Private Banking (RPB)■ BNP Paribas Fortis is no. 1 in personal and small business bankingin Belgium, with 3.6 million clients and high-ranking positions in allbanking products (6) .BNP Paribas Fortis serves its clients and financesthe economy through various networks forming part of a multi-channeldistribution strategy. The branch network comprises 938 branches (ofwhich 277 are independent), plus 680 customer service points underthe partnership with Bpost Bank and 310 Fintro franchise outlets (7) .■ RPB’s Client Relationship Management (CRM) centre manages anetwork of 4,382 cash dispensers, as well as online and mobile bankingservices via the e asy banking app (1.2 million users).■ A Client Contact Centre is also available and handles up to more than10,000 calls daily.Since 1 July 2012 , the network has been reorganised into seven ratherthan nine regions and from 1 January 2013 , the 938 branches will beorganised into 164 branch groups, which will report to 29 regional HeadOffices. This new structure is designed to deliver further improvementin client service.BNP Paribas Fortis is a major player in the Belgian private banking market.Its services are aimed at individual customers with assets of more thanEUR 250,000. Wealth Management caters to clients with assets of morethan EUR 4 million. Clients are served through 37 Private Banking centresand 2 Wealth Management centres.Corporate & Public Bank Belgium (CPBB)CPBB offers a comprehensive range of financial services to corporates,public entities and local authorities. With more than 600 corporate clientsand 12,500 midcap clients, it is the market leader (8) in both categories anda challenger in public banking with 710 clients. CPBB keeps very close tothe market through its team of more than 40 corporate bankers and 210relationship managers operating out of 22 Business Centres, supportedby specialists in specific areas.1(1) Source: annual and interim reports of BNL and its peers.(2) Active clients.(3) Source: Bank of Italy.(4) Source: Bank of Italy. Since 2012, the Bank of Italy’s statistics have included Cassa Depositi e Prestiti (CDP), a state-owned financial institution operating in the local authoritiessegment. Excluding CDP, BNL bc’s market share is about 5%.(5) Source: Assifact.(6) Source: Benchmarking Monitor September 2012 and Strategic Monitor Small Professionals 2011.(7) In December 2012, Fintro had 312 branches, more than 1,000 employees and EUR 9.22 billion in assets under management (excluding insurance) and 268,000 active customers.(8) Source: TNS survey, 2012.2012 Registration document and annual financial report - BNP PARIBAS 7