Frequently Asked Questions

BNP Paribas Cardif has completed the acquisition of AXA Investment Managers (AXA IM) and signed a partnership agreement with the AXA group to manage part of its assets. This transaction will enable BNP Paribas to create a leading European asset management platform with more than 1,500 billion euros in assets under management.

This acquisition aims to strengthen the Group’s position in asset management and establish BNP Paribas as the European leader in long-term savings management. The new platform will combine the expertise of AXA IM, BNP Paribas Asset Management and BNP Paribas REIM, offering a wide selection of traditional and alternative assets, as well as an expanded range of responsible investment options.

The Group’s ambition is to become the leading fund-raiser for private equity investments and ETF provider in Europe. This transaction is in line with BNP Paribas’ mission to support the economy and finance future projects that are in the best interest of its clients.

For more information:

• Signing of the share purchase agreement for AXA Investment Managers by BNP Paribas Cardif
• BNP Paribas enters into exclusive negotiations with AXA for the acquisition of AXA investment Managers and a long term partnership in Asset Management
• AXA IM joins BNP Paribas: the birth of a leading asset management platform

• Our branch network is essential. It is evolving in line with the needs of customers, more and more of whom are opting for online banking services on a day-to-day basis. In 2024, BNP Paribas customers had around 1 billion interactions via the app, around 40 million remote interactions (telephone, email and chat) and around 1.5 million branch appointments.
• We are taking a pragmatic, long-term approach, making the necessary adjustments and performing a region-by-region analysis, which includes consolidations, closures and renovations. Our goal is to provide our customers with the most relevant banking system and to ensure that the majority of our teams are based in branches with at least five employees by 2030.
• To support our individual customers and business clients, we offer both BNP Paribas and Hello bank!, which complement each other and operate on the same technological platform. Our aim is to provide our customers with the best possible offer for their needs. We are going to simplify our offerings to make it easier for customers to choose the most suitable solution.
• We also intend to invest in customer service to provide an even more responsive service for day-to-day banking transactions, resolving issues at the first point of contact and responding within 24 hours
• Together with three other banks, we are launching a new service: Cash Services. Currently being implemented across France, this system will provide customers of the four partner networks with comprehensive services, including free euro cash withdrawals, cash deposits, cheque deposits and a variety of self-service banking options. It will also enable transfers and provide instant access to account balances and transaction histories.

1. BNP Paribas has never financed activities related to the genocide in Darfur. The transactions referred to in October 2025 by the American courts were standard commercial operations aimed at securing trade in essential goods such as cotton, oil, or grain. The Bank did not facilitate any transactions involving arms or military equipment. These transactions were legal and complied with European and Swiss law, which permitted banking activities with Sudanese entities that did not involve military equipment, in order to avoid worsening the economic and humanitarian situation for civilians.
2. Regarding the verdict handed down by a jury in New York in October 2025 in civil proceedings: this verdict is fundamentally flawed in terms of both the facts and the law. The Bank is therefore confident that it will be overturned on appeal. This is because it is based on an incorrect interpretation of Swiss law, which has been highlighted by the Swiss Government and the European Court of Human Rights, in particular because the banking services provided by BNP Paribas did not cause any harm to the plaintiffs and no evidence to the contrary has been provided.
3. Furthermore, BNP Paribas was prevented from presenting crucial evidence during the trial. As such, the court will examine accusations of ethical breaches against the plaintiffs’ lawyers. Lastly, this verdict only concerns the three individual plaintiffs in this trial, and should not be generalised.

For more information:

• Sudan Litigation: Key points of BNP Paribas' position
• BNP Paribas Statement on Sudan Litigation
• BNP Paribas counsel letter regarding Sudan litigation

BNP Paribas fully complies with the law on the duty of vigilance and strictly adheres to all applicable conventions, laws and regulations, including those relating to embargos.

A report in circulation lists companies active in the occupied territories and in the Israeli-Palestinian conflict, which are supported by BNP Paribas. BNP Paribas denies any support for controversial projects: our financing to the companies mentioned is intended for projects in Europe or elsewhere in the world.

Finally, the Bank is not financing this conflict: BNP Paribas’ sectoral policy on “Defense and Security” includes strict criteria, which illustrate the Group's vigilance, particularly in conflict zones.

Regarding the bond issue arranged by BNP Paribas and other banks for the State of Israel, this was finalised before the conflict. As a major investment bank, BNP Paribas regularly plays a similar role supporting many governments with bond issues around the world, including in other countries in the region.

While calling for a diplomatic resolution, BNP Paribas has supported humanitarian intervention in the region to help civilian victims of this conflict, without distinction.

For more information:

• Meaningful missions: BNP Paribas offers more than 300 job profiles that are constantly evolving to meet client expectations and serve society. You’ll be able to work in a wide range of fields including customer relations, digital transformation, data, market finance, management… BNP Paribas employees have the opportunity to develop their careers across a diverse range of entities and environments: from working at the local, regional or corporate level, in a business line, a support function, or even internationally.
• Social framework to strengthen fundamental rights: In November 2024, BNP Paribas signed a new agreement to reinforce the Group's fundamental rights and global social framework. The agreement covers all 178,000 Group employees and addresses the evolving challenges faced by the banking sector and society as a whole, including technological advancements, changing skill sets and new methods of working.
• A healthy work-life balance and a competitive employee package: BNP Paribas promotes a healthy work-life balance, offering the option to work from home up to 50% of the time and generous paid time off. The Group also offers a competitive package including fixed and variable remuneration, fringe benefits, savings plans and supplementary social protection.
• Development opportunities for employees: In an ever-changing world, continuing to learn is essential if we want to continue our professional development, rise to the challenges of tomorrow and contribute to the Group’s ambitions. In this spirit, BNP Paribas is committed to being a company dedicated to learning, offering all employees a rich and accessible range of development opportunities tailored to the diversity of the Group’s business lines and career paths. This also allows employees to develop their long-term employability.
• A Group committed to the ecological and energy transition: As Europe’s leading banking and financial services provider, BNP Paribas is responsible for redirecting its financing towards green projects in order to achieve a carbon-neutral economy by 2050.

For more information:

• Discover our Careers section
• Agreement on the fundamental rights and global social floor of the BNP Paribas Group
• Our commitments to ecological transition
• Our policy in favour of diversity, equality and inclusion

At BNP Paribas, teleworking comes in many different forms and schedules, helping to strike a balance between work and personal life. This is being developed under the common framework of the World Agreement and, more specifically in Europe, the European Charter on Teleworking which the Group signed in 2021 and renewed in 2025.

• European Charter on Teleworking: This charter is employed in 22 countries and covers over 132,000 employees. It establishes general principles, such as implementing teleworking based on a collective team approach; respecting the principle of double voluntary action; allowing permanent reversibility; limiting the amount of time spent teleworking to a maximum of 50%; and ensuring a minimum presence on site of at least one day per week.
• Varied teleworking patterns and formulas: There are a number of possible teleworking patterns and formulas to suit the Group’s different activities. The Charter provides for regular schedules organised by week, bi-weekly or by month, as well as flexible days. The Group’s social framework applicable to all employees in Europe may be supplemented by companies to meet their specific needs, provided that any changes do not differ from the provisions of the Charter in a less favourable way.

Not at all. In fact, BNP Paribas primarily finances low carbon energy production. Furthermore, the Group has set a target to have 90% of its energy production financing dedicated to low carbon energies by 2030, with outstanding loans amounting to at least 40 billion euros.

At the end of September 2024, low carbon energies already accounted for 76% of the Group’s loan portfolio, totaling 36.8 billion euros. BNP Paribas is also supported by its Low-Carbon Transition Group, whose 250 expert bankers support renewable energy transactions worldwide to help clients in their transition. For example, since 2012, the Bank has financed 46 offshore wind farms with a total capacity of 27 GW, including 22 GW in Europe. This includes ambitious projects such as Baltica 2, which is set to become the largest wind farm in the Baltic Sea.

For more information:

• Energy transition and climate action
• Our experts in sustainable finance
• BNP Paribas, a global player in financing the energy transition

BNP Paribas supports impact entrepreneurs and impact companies by offering solutions tailored to each stage of their development. This support enables innovative companies with strong potential for growth to scale and expand their business operations. The Group is committed to helping entrepreneurs and businesses maximise their social and environmental impact, thereby contributing to a just and sustainable transition. BNP Paribas offers impact entrepreneurs and companies a variety of solutions to support their businesses, including:

The “Act For Impact” programme, which celebrated its tenth anniversary in 2024, has 200 specialised BNP Paribas account managers that offer tailor-made solutions and support.

The Positive Impact and Inclusion Business Accelerator (PIIBA) offers innovative financial solutions (such as impact contracts, in which the Group is a leader), impact measurement tools and social and financial inclusion services.

BNP Paribas also invests in impact start-ups, via the fund co-managed by PIIBA and BNP Paribas Asset Management, or via the BNP Paribas Solar Impulse Venture Fund, the venture capital activity of BNP Paribas Développement or solidarity savings funds.

Impact start-ups can also join the Group’s accelerators and be hosted with workspace at the BivwAk! and the WAI (We Are Innovation) by BNP Paribas.

For more information:

• Impact Entrepreneurs: Discover the Galaxy of Opportunities at BNP Paribas!
• Social entrepreneurship

BNP Paribas uses Artificial Intelligence (AI) to enhance its services and processes, with more than 800 use cases already in place. AI is part of the Group’s ethical and responsible approach, guided by strict data governance and team training to prevent bias.

AI enables us to:

• Analyse vast quantities of data to anticipate client expectations and offer clients tailor-made solutions,
• Accelerate operational efficiency by automating repetitive and time-consuming tasks, freeing up time for higher added-value missions,
• Prevent risks by analysing millions of transactions in real time to detect abnormal behaviour and prevent fraud,
• Contribute to responsible finance by facilitating the processing and analysis of extra-financial data.

For more information:

• Our commitments in favour of Data & Artificial Intelligence