BNP Paribas SA products, services and reviews

About BNP Paribas SA

BNP Paribas SA is a French universal bank headquartered in Paris and supervised by the European Central Bank and the French ACPR, with shares listed on Euronext Paris and membership in the CAC 40 index. The group operates in more than 60 countries with a broad mix of businesses: Commercial, Personal Banking and Services (retail and SME banking primarily in France, Belgium, Italy and other European markets, plus consumer finance under BNP Paribas Personal Finance/Cetelem, digital propositions such as Hello bank! and Nickel, fleet management via Arval), Corporate and Institutional Banking (corporate lending, transaction banking, global markets, securities services), and Investment & Protection Services (BNP Paribas Asset Management, Cardif insurance, wealth management, and real estate services). Following completion of the sale of Bank of the West in 2023, the group redeployed capital in Europe and conducted share buybacks in line with its capital management plan. Asset quality and earnings are diversified across geographies and activities; the bank maintains regulatory capital and liquidity ratios above minimum requirements (CET1 in the low-to-mid teens and a leverage ratio around the mid-4% area in recent disclosures, with LCR and NSFR above 100%). Funding is supported by a large deposit base complemented by wholesale issuance, including senior non-preferred instruments to meet MREL/TLAC requirements. The corporate and markets franchise has scale in euro-denominated products and European cash management, while Securities Services acts as a major custodian in the region. Reported 2023 results showed solid profitability at group level alongside a contained cost of risk relative to historical averages, with earnings sensitive to market activity, credit costs in certain retail portfolios, and interest-rate dynamics. The group continues to invest in compliance, risk controls, and operational resilience; it has a history of regulatory and legal matters and has faced scrutiny over climate-related financing policies, resulting in updated sectoral restrictions and financed-emissions targets. Retail deposits in relevant EU jurisdictions are covered by local deposit guarantee schemes up to statutory limits. Credit ratings from major agencies are in the high-grade range, reflecting a diversified business model and systemic importance within the euro area, balanced against exposure to market and wholesale funding cycles and to macroeconomic conditions in core European markets.