International Retail Services

In the United States, the Retail Banking Business is conducted through BancWest Corporation, a company formed out of the 1998 merger between Bank of the West and First Hawaiian Bank, wholly-owned by BNP Paribas since the end of 2001.

http://www.bancwestcorp.com

BancWest in the United States: visit the "Locations" pages.

The merger of two banks

Bank of the West now offers Retail Banking services to individuals, small businesses and corporate clients in 19 western and mid-western America. It also has strong national positions in certain niche lending markets, such as Marine, Recreational Vehicles, Church Lending, and Small Business Administration.

www.bancofthewest.com

With a market share of close to 40% based on deposits (source: SNL Financial, 30 June 2007), First Hawaiian Bank is Hawaii’s leading bank, offering a broad array of products and services to a local clientele of private individuals and companies.

The Retail Banking in the Emerging Markets business has developed rapidly since 2004, and now consists of five times more branches and four times more clients. It has also set up operations in 10 new countries
This change of dimension has been accompanied by restructuring measures, involving the creation of regional platforms and a new commercial strategy focusing on private individual clients and SMEs. These networks with their fast-growing client bases constitute a unique distribution platform for all of the Group’s businesses.

Emerging Markets in the world: visit the “Locations”pages.

Mediterranean basin
In Turkey, Türk Ekonomi Bankasi (TEB), whose holding company, TEB Mali, has been 50%-held by BNP Paribas is growing at an accelerated rate. The network has grown to more than 270 branches.

Present throughout North Africa, the Group’s over 400 branches represent a unified platform for this fast-growing market. Local subsidiaries hold leading positions in Morocco (no. 3) and Libya (no. 2) for the outstanding loans. The Algerian subsidiary is mainly orientated towards corporate and trade finance and individual clients.

Far East of Europe
In Ukraine, UkrSibbank, in which BNP Paribas acquired a 51% stake in April 2006, is now the country’s 3rd-largest bank in terms of assets and has been named “bank of the year in Ukraine” (by Euromoney and Global Finance). In Russia, the Group invested in the organic development of a local bank network.

Near and Middle East 
BNP Paribas is currently implementing a large-scale expansion plan in Egypt. The Gulf States are served by the regional headquarters in Bahrain, which is responsible for five territories: Bahrain, United Arab Emirates, Qatar, Saudi Arabia and Kuwait.
The Group also has operations in Cyprus and Lebanon. A partnership with the International Private Banking business line offers comprehensive wealth management solutions for the entire region.

Asia
In China, the Group is developing a strategic partnership with Bank of Nanjing, in which it holds a 12.6% stake. The two banks have begun to cooperate closely in retail banking and consumer credit as well as processes, risk management and organisation.
In parallel, the Group signed a strategic partnership with the Vietnamese bank Orient Commercial Bank (OCB).

Africa – French overseas departments and territories 
BNP Paribas’ operations in Africa are organised around the network of BICI (Banque Internationale pour le Commerce et l’Industrie). With around 100 branches located in six countries (Burkina Faso , Côte d’Ivoire, Gabon , Guinea Conakry , Mali and Senegal ), the Emerging Markets Business manages one of the largest banking networks in French-speaking Africa. The Group also has operations in the Indian Ocean, in Madagascar (BMOI).
In the French overseas departments and territories, it has 55 branches and enjoys prominent market positioning.

BNP Paribas set up a new branch in Israel at the end of 2006.

Lastly, importers and exporters who are clients of the Emerging Markets Business have access to the teams of international trade specialists working in BNP Paribas' international network of Trade Centres.

The companies of the  Equipment Solutions business use a multi-channel approach (direct sales, sales via referrals or via partnerships) to offer their corporate and business clients a range of solutions specific to each asset market, from financing to fleet outsourcing.

Equipment Solutions works closely with the Retail Banking networks, particularly in France and Italy, to offer their clients its products and services.

Equipment Solutions consists of 3 international business lines (IBLs) which are organised according to the assets and leasing solutions offered, more specifically:
the car and light vehicle IBL IBL managed by Arval, dedicated to long-term lease management services;
the IT, telecom and copying equipment IBL run jointly by BNP Paribas Lease Group and Arius;
the construction, agricultural and transport equipment IBL run by specialists at BNP Paribas Lease Group and Artegy.

Equipment Solutions in the world: visit the “Locations” pages (lien http://www.bnpparibas.com/en/locations/)

Four specialised companies

Arval, dedicated to the long-term management of cars and light trucks.

www.arval.com

Artegy, engaged in the long-term management of heavy goods vehicles.

www.artegy.co.uk

Arius, specialised in the leasing and management of IT equipment

www.arius.fr

BNP Paribas Lease Group (BPLG), specialised in the financing of equipment sales and investments.

www.bnpparibas-leasegroup.com

BNP Paribas Lease Group and Arval developed their European activities in 2006 through their 24 local offices: 66% of Arval's operations and 55% of BPLG's operations are outside France.

Cetelem and UCB form BNP Paribas Personal Finance, a business consolidating their operations within International Retail Services (IRS). Personal Finance covers the entire range of personal lending needs, addressing the growing overlap between consumer lending and mortgage lending. The unit proposes an expanded portfolio of solutions and distribution channels to drive accelerated international growth and leverage shared expertise and resources.

www.bnpparibas-pf.com

Consumer credit: Cetelem

Created in 1953 to finance French household goods, Cetelem quickly grew to No. 1 in consumer credit in France and continental Europe.

Cetelem is a multi-market specialist, offering consumers a full range of products (conventional loans, car loans, permanent credit lines) and complementary services (retail and non-financial services) both directly and through partnerships. Cetelem is a trailblazer in multichannel service delivery and is now No. 1 in Europe in Internet credit. The Internet now accounts for more than 15% of new loan production (excluding points of sale).

Cetelem is a top-tier partner to major retail brands, as well as banks, insurance companies and car dealers. Present in 27 countries, including 17 in Europe, its strategy is anchored in the promotion of responsible lending.

Mortgage lending: UCB provides advice and support for customers to enable them to make property ownership plans a reality. It offers a full range of mortgage products, distributed either directly or through intermediaries, always working closely with recognized real estate professionals.

UCB has been a leading player in France for more than 50 years. Today UCB is the largest French personal mortgage specialist through its international business, and operates in a dozen European countries.

Loan consolidation
UCB et Cetelem Personal Finance offers a complete range of personal loan consolidation solutions, adapted to the needs of consumers and their financial situation. All BNP Paribas Personal Finance’s clients benefit from expert analysis and guidance.
Although this activity currently serves only France, it plans to pursue development throughout Europe like the other BNP Paribas Personal Finance activities.