BNP Paribas Personal Finance

Today, BNP Paribas Personal Finance means…

• Almost 115 in managed loans outstanding,
• Nearly 28,000 over 30 countries throughout 4 continents.,
• 20 millions customer, including 12 million active customers...

The objective of BNP Paribas Personal Finance:

• Do everything possible to help clients realise their projects while securing their future
• Promote responsible lending and fight against indebtedness
• Implement an efficient sustainable development policy
• Innovation and growth for greater efficiency and further strengthen our foothold
• Commit through its employees by being a worldwide company with a human dimension, within which each has his place

A BNP Paribas company

• 10.7% of BNP Paribas net banking income
• 23.5% of Retail Banking net banking income

Figure at the end of 2009

BNP Paribas Personal Finance in 2009

A pioneer

Yesterday, Cetelem and UCB, European pioneers in consumer credit and mortgages. Today, leadership worldwide is well within sight.

Two major initiatives in 2009

• The BNP Paribas Fortis consumer credit business in Belgium, via its subsidiary Alpha Crédit, was incorporated within BNP Paribas Personal Finance. Alpa Crédit is one of the leaders in consumer finance in Belgium with its 250 employees and €2.5 bn outstanding loans. Alpha Credit also manages consumer credit for BNP Paribas Fortis in Belgium and BGL BNP Paribas au Grand Duchy of Luxembourg.
• In 2009, BNP Paribas Personal Finance also took control over Findomestic, one of the major players in consumer credit in Italy, initially held 50/50 by Intesa Sanpaolo and BNP Paribas.

A responsible player

Through our commitment to responsible lending, help our clients to realise their projects while fighting against indebtedness.

A reference in personal credit

BNP Paribas Personal Finance is the leading European multi-specialist able to offer a comprehensive range of personal credit products.