Commercial, Personal Banking & Services

The Commercial, Personal Banking & Services (CPBS) division includes BNP Paribas’ commercial banking networks and its specialised businesses, particularly in lending, financing and mobility.

Close-up customer services from the commercial banking networks and specialised businesses

Commercial, Personal Banking & Services (CPBS) is based on  BNP Paribas’ diversified and integrated model and on its teams’ ability to offer its customers a broad range of products and services. Innovation, security and advisory are the bedrocks of each of its entities’ models.

The Commercial, Personal Banking & Services division encompasses the commercial banking networks

The Commercial, Personal Banking & Services division also encompasses business lines specialising in:

Commercial, Personal Banking & Services in three figures


countries where CPBS operates


employees around the world


individual, professional, entrepreneurs and corporate customers

Close cooperation with the Group’s two other divisions to serve the customer:

With Investment & Protection Services (IPS), in order:   to provide savings, investment and insurance offerings adapted to each of our customers’ needs; to offer a seamless customer journey, so that they can use a single digital app to access all financing, wealth management and insurance services; to deliver the market’s most cutting-edge responsible investment offerings.

With Corporate & Institutional Banking (CIB), in order to support the development of mid-sized companies, particularly in:  their organic and sustainable growth through access to green financing; their external growth through mergers and acquisitions; their international development through access to CIB’s global network and to its market operators, particularly in currencies.  

“Commercial, Personal Banking & Services’ mission is to support our customers – individuals, professionals and companies – by offering them the best of both digital and human banking. We offer them banking and beyond banking solutions to assist them in their sustainable growth and development.”  

Thierry Laborde

Chief Executive Officer, Commercial, Personal Banking & Services 

Follow Thierry Laborde on LinkedIn

Commercial banks that place human and digital banking at the service of our customers

Our commercial banking model is on the ground in 13 countries, with the backing of our specialised businesses for individuals, professionals and companies. 

French Commercial Banking

As a leader in private and corporate banking in France, French Commercial Banking serves 7.6 million individual and corporate customers through a closely woven network of more than 1,700 branches, more than 60 private banking centres, 65 WAI (We Are Innovation) desks devoted to innovative entrepreneurs, and 38 corporate business centres. Hello bank! offers its almost 650,000 customers a fully digital banking experience, with loan, savings and insurance solutions, as well as dedicated guidance for free-lancers.

BNP Paribas Fortis in Belgium

BNP Paribas Fortis is Belgium’s top bank in the individual customer, private banking and corporate banking segments. With a total of 3.4 million customers, it is also a leader among Belgian professionals and small businesses.

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BNL in Italy

In Italy, BNL undefined (Opens in a new tab)offers its 2.9 million customers a full range of banking, financial and insurance products and services, backed by the Group’s expertise and integrated model.

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BGL BNP Paribas in Luxembourg

Luxembourg Retail Banking offers its 185,000 customers – individuals, professionals, private banking, SMEs and large corporates – a full line of financial products and services ranging from current accounts to savings products and from leasing (Arval) to bancassurance (Cardif Lux Vie), not to mention services dedicated to professionals and companies (cash management in particular).

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Europe-Mediterranean (EM) encompasses commercial banking activities for individuals, professionals and companies outside the euro zone, including TEB undefined (Opens in a new tab)in Turkey, URKSIBBANK undefined (Opens in a new tab)in Ukraine, BNP Paribas Bank Polska in Poland, BNP Paribas El Djazaïr in Algeria, BMCI undefined (Opens in a new tab)in Morocco, and Bank of Nanjing in China. Through its retail banking, private banking and corporate banking businesses, Europe-Mediterranean  offers a broad range of financial and non-financial services to almost 15 million customers worldwide.

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Arval undefined (Opens in a new tab)offers companies, their employees and individual customers an ecosystem of solutions, services and digital tools to optimise their mobility in accordance with current societal challenges, including the energy transition and the rise of usage economy. Arval possesses a fleet of almost 3 million rental vehicles in 53 countries, alongside its partners.

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BNP Paribas Leasing Solutions

BNP Paribas Leasing Solutions offers industry professionals and companies equipment leasing and financing solutions. Backed by various commercial channels (industrial partners like manufacturers and distributors, companies directly, and retail banking networks), it finances in particular rolling logistics equipment and technological equipment. Leasing Solutions is fully dedicated to a circular economy approach

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BNP Paribas Personal Finance

BNP Paribas Personal Finance undefined (Opens in a new tab)is the top financier of individuals in Europe. Through its brands, it offers a full range of consumer loans to its 25 million customers through several channels. BNP Paribas Personal Finance has developed an active strategy of partnerships with distributors, automotive manufacturers and distributors, e-merchants and other financial institutions. It is also committed to financial education and e-inclusion. 

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BNP Paribas Personal Investors

BNP Paribas Personal Investorsundefined (Opens in a new tab) offers digital banking services in two countries. 

  • Consorsbank is the fourth-largest generalist bank in Germany by number of customers and the second-largest online broker by number of retail orders executed. For high-net-worth clients, Private Banking Germany offers its services in tandem with BNP Paribas Wealth Management, while companies have a dedicated website: DAB BNP Paribas
  • The online broker Sharekhan is one of the largest in India, with 2.2 million customers.
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As the first neobank in France in 2014, Nickel opens current accounts within five minutes at any of 6,000 points of sale, tobacconists, or Points Nickel. Nickel’s accounts are accessible to everyone and carry no minimum income requirement. Nickel had more than 2 million accounts opened in France (as of April 2021), with a goal of 4 million customers by 2024. After Spain in late 2020, Nickel is setting up in Belgium and Portugal in the first quarter of 2022.

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Photos © BNP Paribas, Fortis, Claire Jachymiak, BGL, Govan, scharfsinn86, Seventyfour, Drobot Dean, BullRun, Nickel