Business model

Serving our customers and the world in which we operate, we support transitions in society by providing expertise and by contributing to financing the economy. In a complex context marked by several international crises, our distinctive and high-performing model allows us to continue to support our customers in the development of their projects and especially in their transition to a more sustainable economy.

A distinctive and high-performing model

BNP Paribas leverages its diversified and integrated model to respond in a coordinated manner to the needs of its customers. This model is based on three complementary operating divisions: Corporate & Institutional Banking (CIB), Commercial, Personal Banking & Services (CPBS) and Investment & Protection Services (IPS).

It results in strong cohesion between the Group's business lines, strengthens its performance in all environments and gives it a real competitive advantage. This balanced and resilient model is focused on our customers, whom we support on a daily basis and over the long term. The broad diversification of this model by customer segment, geography, sector and business line gives our Group stability, performance and growth.

Building on solid foundations and the achievements of its 2017-2020 strategic plan, BNP Paribas continues its development path over the long term. With the launch of GTS 2025, its new strategic plan, the Group is thus reinforcing its ambitions to serve its customers, the economy and society.

Solutions to support all our customers

With our European leadership, international reach, technological and innovation culture, strong expertise and a pioneering position in sustainable finance, we offer a full range of tailor-made solutions to our clients' needs.

These solutions cover payment methods, deposit management and traditional or specialised financing. They also cover investment savings, protection, wealth management, asset management and real estate. 

Corporate and Investment Banking also offers tailor-made solutions in the areas of capital markets, securities services, corporate finance, cash management and financial advisory.

BNP Paribas is able to support its clients in their expansion projects thanks to its presence in 64 countries and its One Bank organisation.

Our European leadership at the service of the real economy

As the European Union's leading bank and a leading international banking player, BNP Paribas has leading platforms and business lines in Europe, a strong presence in the Americas, and a solid and fast-growing business in Asia Pacific.

Our company purpose is to contribute to a responsible and sustainable economy by supporting our clients over the long term. This is made possible by our ability to be at scale and therefore operationally effective across all of our business lines.

The Group also implements a social and environmental responsibility approach throughout its activities, enabling it to contribute to the construction of a sustainable future, while ensuring its performance and stability.