bnp paribas in germany - Factoring

DOCUMENT TITLE
ON THREE LINES
MAXIMUM
PROMESSE
PRODUCT NAME
At vero eos et accusamus et iusto odio dignissimos ducimus qui blanditiis praesentium voluptatum deleniti atque
corrupti quos dolores et quas molestias excepturi sint
occaecati cupiditate non provident, similique sunt in
culpa qui officia deserunt mollitia animi, id est laborum et
dolorum fuga. Et harum quidem rerum facilis est et
expedita distinctio. Nam libero tempore, cum soluta quod
Amaxime
responsible
bank,
dedicated
to its customers
placeat
facere
possimus.
BNP PARIBAS IN GERMANY
bnpparibas.de
bnpparibas.com
The bank
for a changing
world
t, similique sunt in
animi, id est laborum et
erum facilis est et
mpore, cum soluta quod
The bank
for a changing
world
4
Kai FRIEDRICH
Dr. Carsten ESBACH
CEO Consorsbank
and Coordinator of Retail Banking
Germany
Coordinator of Transversal
and Internal Projects
Germany
Paul MILCENT
CEO Commerz Finanz
Coordinator of Personal Finance
Germany
BNP Paribas Group
Management Board Germany
Torsten MURKE
CEO Corporate & Institutional
Banking and Deputy Chairman of
the Management Board Germany
Pamela SCHMIDT-FISCHBACH
Gerald NOLTSCH
CEO BNP Paribas Securities Services
and Coordinator of Investment
Solutions Germany
General Secretary
Regulatory & Corporate Affairs
and CSR
5
The bank for a changing world
Camille N. FOHL
„
Responsible for German business
and Chairman of the Management
Board Germany
We create more jobs in
Germany, serve the real
economy and build on
the market positions we
have already achieved.
As the largest economy in Europe, Germany is a very
attractive market due to its international orientation and
value added across a whole variety of sectors. The BNP
Paribas Group has been present in Germany since 1947
and has positioned itself so broadly with its businesses
over the years that the range of products and services is
almost equal to that of a universal bank. With around
4,700 employees at 19 different locations we serve private
clients, corporates and institutional clients. As an international financial service provider and one of the largest
banks in the eurozone for all these client groups, BNP
Paribas can offer significant value added for the success of
its clients thanks to its expertise and international network.
At the same time, Germany is an extremely important market in BNP Paribas‘ European growth strategy
and it is to be strengthened even more over the next
few years. We create more jobs in Germany, serve
the real economy as well as add to what we already
offer and build on the market positions that we have
already achieved. The growth that we are aiming for here is
focused on continuity and is one of the supporting pillars
of BNP Paribas’ European strategy.
We look forward to having a dialogue with you based on
partnership, developing long-term business relationships
and deepening our existing partnerships.
Camille N. Fohl
Chairman of the BNP Paribas Group
Management Board Germany
6
11.7 %
5.4 %
10.1 %
9.6 %
58.9
58.9
31.12.11
31.12.11
11.7 %
10.3 %
64.7
65.7
31.12.12
31.12.13
63.7
29.0
in billions of EUR
31.12.08
Basel 2
COMMON EQUITY TIER 1 RATIO
Basel 2.5 (CRD3)
31.12.14
Basel 3 (CRD4)
COMMON EQUITY TIER 1 CAPITAL
BNP Paribas has a core capital ratio of 10.3 % while implementing the Basel III regulations in full.
The BNP Paribas Group
BNP Paribas is represented by 185,000 employees in 75 countries, almost 147,000 of them
working in Europe. The group occupies key positions in the two business areas Retail
Banking & Services (including Domestic Markets and International Financial Services) and
Corporate & Institutional Banking.
The Group has four domestic markets in Europe (Belgium, France, Italy and Luxembourg)
and BNP Paribas Personal Finance is a market leader in personal loans. BNP Paribas is
currently expanding its Retail Banking integrated business model in the Mediterranean
basin countries, Turkey and Eastern Europe and also boasts an extensive network in the
western USA.
In Corporate & Institutional Banking and International Financial Services BNP Paribas is
a leader in Europe, has a strong presence in North and South America and records solid
and sustainable growth in the Asia-Pacific region.
7
Net Income & Book Value per Share 2008-2014
45.7
56.8
55.6
51.9
7.8
6.6
6.1
5.8
66.6
65.1
63.1
5.6*
6.1*
4.8
3.0
0.2
2008
2009
NET INCOME (€BN)
2010
2011
2012
2013
2014
BOOK VALUE PER SHARE (€)
* Adjusted for costs and provisions relating to the comprehensive settlement with U.S. authorities
First quarter 2015 results
A balanced business model
Business activities revenue in
the first quarter 2015 (in € billion)
61 % 24 % 15 %
Retail Banking Corporate &
Institutional Banking
Revenues
11,1 €BN
(+ 11,6 % vs. 1Q14)
International
Financial Services
8
Around
4,700 In Germany since
1947
employees at 19 locations
Active in the Group’s
2 core business areas
Corporate & Institutional Banking
■ Retail Banking & Services
■
The BNP Paribas Group
in Germany
The BNP Paribas Group has been active in Germany since 1947 and has successfully
positioned itself on the market with 13 companies. Private customers, corporates and
institutional clients are served by around 4,700 employees at 19 locations all over the
country. The broad range of products and services from BNP Paribas is almost equal to
that of a universal bank.
Germany is a core market for the BNP Paribas Group and the growth that is strived for
here is aimed at continuity and one of the fundamental pillars of BNP Paribas’ European
strategy. The two key business areas Retail Banking & Services and Corporate & Institutional
Banking ensure a balanced result overall. BNP Paribas is market leader in numerous areas
or occupies top positions on the market in many areas. The group is one of the most
financially sound banks in the world and already meets the Basel III regulations today
with its core capital ratio.
The BNP Paribas Group has been able to recently strengthen its presence on the German
market in Retail Banking. The fifth largest digital online bank with 1.5 million customers in
Germany was created by merging DAB Bank (closing in December 2014) and Consorsbank.
9
CORPORATE & INSTITUTIONAL BANKING
Hamburg
Corporate client business, consultancy
and capital market transactions
Bremen
Securities services
Berlin
Hanover
Braunschweig
Duisbourg
Essen
Dusseldorf
Cologne
RETAIL BANKING & SERVICES
INTERNATIONAL FINANCIAL SERVICES
Leipzig
Dresden
Gotha
Frankfurt
Transaction, consulting, valuation
and management of commercial real estate
Trier
Nuremberg
Saarbrücken
Wealth management and consultancy
Karlsruhe
Stuttgart
Institutional asset
management / wholesale
Munich
Insurance, consultancy on
processes and distribution
PERSONAL FINANCE
Sales financing / consumer finance
Consumer credit
RETAIL BANKING
Full service leasing and
fleet management
Financing, leasing and rental solutions
for commercial investments
Factoring
Direct bank
(Online banking, brokerage and
private investment advice)
EUROPE
147,000 employees including
57,000 in France,
18,000 in Italy,
16,000 in Belgium and
4,700 in Germany
AMERICAS
18,000 employees
ASIA-PACIFIC
11,000 employees
AFRICA
10,000 employees
MIDDLE EAST
600 employees
„
10
„
JACQUES D’ESTAIS
DEPUTY COO BNP PARIBAS GROUP AND
HEAD OF INVESTMENT SOLUTIONS, BNP PARIBAS PERSONAL
FINANCE AND INTERNATIONAL RETAIL BANKING
We offer our investors a wide range
of high-value solutions and services,
which help them to manage, protect
and administrate savings and assets.
YANN GÉRARDIN
HEAD OF CORPORATE & INSTITUTIONAL BANKING
With our global presence and broad expertise we
want to become the leading banking partner for
international corporates and financial institutions
in Germany.
„
„
THIERRY LABORDE
DEPUTY CHIEF OPERATING OFFICER AND
HEAD OF DOMESTIC MARKETS
We look forward to becoming even more
significant in the Retail Banking sector
in Germany and are deliberately gearing
our offer towards our clients’ modern
consumer habits.
PHILIPPE BORDENAVE
CHIEF OPERATING OFFICER OF BNP PARIBAS
We are making excellent progress with
our growth ambitions in Germany. We are
particularly happy with the development
of our customer relationships.
11
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CEO AND DIRECTOR BNP PARIBAS GROUP
Germany drives the economy in
Europe and is an essential part of
our growth strategy.
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13
Market leading custodian
in Germany
No. 1 consultant for corporate
real estate in Germany
Market leader for
e-commerce loans in Germany
Online specialist
for private investments
Best Certificates Issuer 2015
Best online banking provider
Corporate & Institutional Banking
14
Corporate & Institutional Banking
Corporate & Institutional Banking focuses on two customer segments: corporates (major German and international corporates as well as export-oriented
SMEs) and institutionals (financial service providers and institutional investors). The range of products and solutions include complex consultancy and
capital market transactions, corporate client business and modern securities
services.
More than 600 employees serve clients and offer structured financing, global
trade solutions and global cash management. Corporate finance solutions
(M&A and equity capital markets) are supplemented by debt capital markets,
other fixed income products, global equities & commodity derivatives as well
as energy, commodity, export and project financing.
The portfolio is complemented and supported by the BNP Paribas companies
Arval, BNP Paribas Factor and BNP Paribas Leasing Solutions. Customers have
access to a full service range through the head office in Frankfurt and eight
regional BNP Paribas Houses.
No. 1
•E
uropean top tier large corporate banking quality
• Eurozone
large corporate
banking quality
•E
uropean top tier large
corporate cash management
quality
15
The „One Bank for Corporates in Europe and Beyond“ initiative is an
efficient business approach: through local customer advisors, BNP
Paribas provides corporate clients with access to its whole range of
services and the Group’s global expertise and helps them to grow
within Europe and worldwide regardless of their size and where they
are based. An integrated network of 220 business centers guarantees
in-depth local expertise across Europe.
www.cib.bnpparibas.com
A regional presence
all over Germany –
BNP Paribas Houses in Berlin, Frankfurt, Hamburg,
Hanover, Cologne, Munich, Nuremberg and Stuttgart
Securities services
8,800 EMPLOYEES WORLDWIDE, PRESENT IN 34 COUNTRIES
BNP Paribas Securities Services covers the entire value creation chain of investment processes for all client segments from one source with 350 employees in
Frankfurt and Bremen and provides solutions in four client-focused product areas:
bank services, funds services, financial and liquidity services as well as services
for issuers. In doing so top priority is given to security and reliability when handling
customers‘ capital investments.
www.securities.bnpparibas.com
LARGEST
CUSTODIAN BANK
in Germany
ONE OF THE
LEADING
PROVIDERS
OF GLOBAL
CUSTODY
Retail Banking & Services
International Financial Services
Insurance, consultancy on processes and distribution
Institutional asset management / wholesale
10,000 EMPLOYEES WORLDWIDE,
PRESENT IN 36 COUNTRIES
3,200 EMPLOYEES WORLDWIDE,
PRESENT IN 36 COUNTRIES
BNP Paribas Cardif Germany has established itself as
an expert in lifestyle protection insurance, tailored insurance products and other insurance products sold as
a package for institutional distribution partnerships.
With 130 employees in Stuttgart the company offers
among others payment default, loan balance and repair
costs insurance as well as consultancy, for example on
sales channels, telemarketing, online and point of sale.
BNP Paribas Investment Partners is a global provider
of investment solutions. The funds offered include traditional asset classes (shares, bonds) as well as money
market, commodities and alternative investments. The
mandate business in particular offers multi-asset solutions, fiduciary management and investments in European shares. Thanks to its global presence and partnerships with renowned asset managers, BNP Paribas
Investment Partners offers expertise for all market cycles.
www.bnpparibascardif.de
www.bnpparibas-ip.de
TOP PLAYER
for tailored B2B2C insurance solutions
No. 7
in Europe
17
Transaction, consulting, valuation and management of
commercial real estate
Real Estate Investment Management:
customized fund solutions
3,800 EMPLOYEES WORLDWIDE,
PRESENT IN 37 COUNTRIES
250 EMPLOYEES EUROPE-WIDE,
PRESENT IN 8 COUNTRIES
BNP Paribas Real Estate is a leading service provider
for commercial property in Germany with about 675
employees based in Berlin, Cologne, Dresden, Dusseldorf,
Essen, Frankfurt, Gotha, Hamburg, Hanover, Leipzig,
Munich and Stuttgart. The company is active in the
business lines Transaction, Consulting, Valuation,
Property Management and Investment Management.
Internationally, the spectrum is rounded out by Property
Development.
BNP Paribas REIM Germany is one of the leading real estate
asset managers in real estate funds and loan funds for insitutional investors in Germany with €4.6 billion managed
assets. Besides classic German special real estate funds in
accordance with capital investment legislation, the company also offers clients a wide range of individual and innovative concepts: the Luxemburg vehicle, umbrella funds,
real estate loan funds, service and master health insurance
solutions or separate accounts. The company is invested in
14 countries in Europe and Asia through its funds.
www.realestate.bnpparibas.de
www.reim.bnpparibas.de
LEADING SERVICES PROVIDER
for commercial real estate in Europe
TOP 5
in Germany in the real estate special funds segment
TOP TEN
Real Estate Asset Manager in Europe
Asset management and consulting
6,300 EMPLOYEES WORLDWIDE,
PRESENT IN MORE THAN 30 COUNTRIES
BNP Paribas Wealth Management offers an innovative
private banking concept for wealthy private customers
from Germany with customer centers in Germany in
Frankfurt, Hamburg, Munich, Nuremberg and Stuttgart:
highly qualified consultants assist you with any questions to do with capital investments and asset planning.
In doing so they use analysts and an international network of specialists and offer exceptional transparency:
all the accounts and custody transactions are available
online and by app at any time on request and allow securities transactions anywhere in the world.
Summary of highlights:
- Personal relationship manager
- Customized portfolio solutions for discerning
customers
- Attractive asset management concepts
- Online access to all accounts and custody transactions
www.wealthmanagement.bnpparibas.de
BEST PRIVATE BANK EUROPE
(Private Banker International, 2014)
Retail Banking & Services
Personal Finance
Sales financing and consumer finance
Individual offers allow sustainable solutions
1,000 EMPLOYEES IN MUNICH AND DUISBURG
390 EMPLOYEES IN ESSEN, BERLIN, BRAUNSCHWEIG
AND STUTTGART
Commerz Finanz GmbH is a joint venture between BNP
Paribas Personal Finance S.A. (50.1 %) and Commerz­bank AG
(49.9 %). The product portfolio includes personal loans,
card products with transaction limits and maturity loans.
Various additional products are also offered through
partnerships with product providers: car warranties,
leasing, creditor insurance, cover notes for kitchens and
appliances. Sales partners are businesses of all sizes,
banks and insurance companies.
www.commerzfinanz.com
LEADER
for e-commerce financing in Germany
The VON ESSEN bank is a national bank that focuses on
retail banking and consumer loans. Attractive investments and the responsible issuing of loans have been
part of the business philosophy for 45 years. The VON
ESSEN Bank particularly focuses on customers with a
healthy credit rating but also with current financial
problems for which individual solutions are developed.
The product portfolio includes loans and financing as
well as saving and investment products, savings bonds,
interest-linked savings bonds and investment bonds
with subordination agreement.
www.vonessenbank.de
19
THE APP FOR THE APPLE WATCH
Consorsbank and DAB Bank are
among the first banks on the
German market to offer their
customers an app for the Apple
Watch.
Retail Banking
Direct bank, online banking, brokerage and private investment advice
With a comprehensive range of financial services and products Consorsbank and
DAB Bank are among the leading direct banks in Europe. The two banks employ
roughly 1,300 employees together and currently serve approximately 1.6 million
customers.
The direct banks are geared towards investors in the retail banking sector who
want to take care of their investments themselves and it offers comprehensive
support online, by phone or app. Consorsbank is one of the few providers of
fee-based advisory services on the German market. DAB Bank is the market
leader in B2B business with independent asset managers.
The wide range of products and comprehensive online services at both banks
range from the accounts offered to all kinds of securities trading, to pension
provision and insurance.
„BEST ONLINE
BANKING“ *
*F
ocus Money, issue 23/2015
First and second place for
Consorsbank and DAB Bank
www.consorsbank.de
www.dab-bank.de
Retail Banking & Services
Full-service leasing and fleet management
725,000 With a stock of approximately 27,000 vehicles, Arval is one of the leading
providers of multi-brand full-service leasing and fleet outsourcing in Germany.
The mobility services are tailored to the needs of business clients with cars and
commercial vehicles up to 3.5 t.
More than
Arval offers fleet solutions that ease and manage the financial risks and guarantee that employees are mobile. Extensive fleet processes and costs can be
managed and potential for improvement is highlighted and implemented using
full outsourcing.
for multi-brand
full-service leasing
Factoring
1,300 EMPLOYEES WORLDWIDE
IN MORE THAN 15 COUNTRIES
BNP Paribas Factor is one of the leading factoring providers on the German market, as well as for the Swiss
and Austrian markets with 70 employees at its office
in Dusseldorf. The wide range of products covers all
the factoring versions for working capital optimization for SME corporate clients and major corporations.
These include off-balance and classic factoring solutions recognised by the IFRS, individual factoring finance and international financing solutions. In addition,
the Europe-wide BNP Paribas Factoring Group provides
cross-border solutions for multinationals thanks to its
international network.
www.factor.bnpparibas.de
EUROPEAN MARKET LEADER
IN FACTORING
More than 50 years on the market, 20,000 customers
worldwide
vehicles worldwide
EXPERTS
www.arval.de
Financing, leasing and rental solutions for
commercial investments
3,600 EMPLOYEES WORLDWIDE
IN MORE THAN 20 COUNTRIES
NP Paribas Leasing Solutions employs roughly 270
B
staff in Germany and specializes in leasing solutions,
credit and rental offers for mobile equipment investments as well as other related services such as
insurance and maintenance. Its services and products
are geared directly towards companies and professionals
and are distributed via partners, manufacturers, dealer
organisations and software firms.
www.leasingsolutions.bnpparibas.de
LEADING PROVIDER
OF SALES, LEASING
AND INVESTMENT
CREDIT FINANCING
European leading leasing company
Co
rp
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21
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22
Economic Responsibility
SME initiative „One Bank for
Corporates in Europe and Beyond“
Socially Responsible Investments
Ecological responsibility
Application of detailed policies
for defined industrial sectors
Green building certifications
CO2 reduction measures
Corporate Social Responsibility
BNP Paribas, a responsible partner
For the BNP Paribas Group, being a responsible bank means financing the real economy by
working to finance projects for its clients. In addition, BNP Paribas recognizes that it also
has a responsibility towards society and its environment and it takes a number of different
measures at the various locations.
This means treating the Group’s employees in a fair and loyal manner. The BNP Paribas
companies are also committed to combating social exclusion and promoting education,
culture and health through various initiatives and projects which benefit society. These include assistance for underprivileged neighborhood and marginalized areas and support for
charitable organisations and social economy enterprises. Our support is not just financial:
several employees are also involved in local corporate volunteering programmes.
BNP Paribas pays particular attention to the environmental impact resulting from its banking
activities. The Group has drawn up and implemented detailed policies relating both to its
day-to-day functioning and to sensitive fields of industry. The Group is intent on keeping
its impact on the environment as low as possible at its locations and whilst conducting
their business.
Social responsibility
„berufundfamilie“ Certification by the Hertie
Foundation
Health management in companies
Participation in the Malteser Social Day
in several cities
Participation in the nationwide reading day
Member of the Founders Committee of
Stiftung Lesen
Support for the “Innovators under 35”
competition
Staff campaign to support the German bone
marrow donation register
Giving blood campaign in cooperation with
the German Red Cross
Support for painting restoration work: Städel
Frankfurt, Neue Pinakothek München
Ehrensache Nuremberg enterprise
Support for the Kinderschutzbund Cologne
Support for the Berlin Steglitz reading festival
BNP PARIBAS GROUP IN GERMANY
BNP Paribas Germany
Europa-Allee 12, 60327 Frankfurt / Main
Tel.: +49 (0) 69 7193-0
Fax: +49 (0) 69 7193 1519
www.bnpparibas.de
BNP Paribas Wealth Management
n BNP Paribas S.A. Niederlassung Deutschland
Europa-Allee 12, 60327 Frankfurt / Main
Tel.: +49 (0) 69 560041 200
www.wealthmanagement.bnpparibas.de
BNP Paribas Corporate & Institutional Banking
n BNP Paribas S.A. Niederlassung Deutschland
Europa-Allee 12, 60327 Frankfurt / Main
Tel.: +49 (0) 69 7193-0
Fax: +49 (0) 69 7193 2640
www.bnpparibas.de
Equity Derivatives: www.derivate.bnpparibas.com
Arval Deutschland GmbH
Ammerthalstraße 7, 85551 Kirchheim nahe München
Tel.: +49 (0) 89 9047-0
www.arval.de
BNP Paribas Securities Services
Zweigniederlassung Frankfurt am Main
Europa-Allee 12, 60327 Frankfurt / Main
Tel.: +49 (0) 69 1520 5571
www.securities.bnpparibas.com
BNP Paribas Cardif
Friolzheimer Straße 6, 70499 Stuttgart
Tel.: +49 (0) 711 820 550
www.bnpparibascardif.de
BNP Paribas Investment Partners
Belgium S.A. Zweigniederlassung Deutschland
Europa-Allee 12, 60327 Frankfurt / Main
Tel.: +49 (0) 69 7079 9860
www.bnpparibas-ip.com
BNP Paribas Real Estate
Goetheplatz 4, 60311 Frankfurt / Main
Tel.: +49 (0) 69 298 990
www.realestate.bnpparibas.de
BNP Paribas REIM
Albrechtstrasse 14, 80636 München
Tel.: +49 (0) 89 12173-0
Fax: +49 (0) 89 12173-119
www.reim.bnpparibas.de
Consorsbank
n BNP Paribas S.A. Niederlassung Deutschland
Bahnhofstraße 55, 90402 Nürnberg
Tel.: +49 (0) 911 369 1709
www.consorsbank.de
DAB Bank AG
Landsberger Straße 300, 80687 München
Tel.: +49 (0) 89 500 680
www.dab-bank.de
BNP Paribas Factor GmbH
Willstätterstraße 15, 40549 Düsseldorf
Tel.: +49 (0) 211 5384-0
www.factor.bnpparibas.de
BNP Paribas Leasing Solutions
n BNP Paribas Lease Group S.A. Zweigniederlassung Deutschland
Hohenstaufenring 62, 50674 Köln
Tel.: +49 (0) 221 4769 9113
www.leasingsolutions.bnpparibas.de
Commerz Finanz GmbH
Schwanthalerstraße 31, 80336 München
Tel.: +49 (0) 89 551130
www.commerzfinanz.com
VON ESSEN GmbH & Co. KG Bankgesellschaft
Huyssenallee 86-88, 45128 Essen
Tel. +49 (0) 201 8118-136
Fax:+49 (0) 201 8118-182
www.vonessenbank.de
Concept and contents:
BNP Paribas Deutschland
Group Brand & Communication Germany
Graphical concept and design:
hundertzwölf . agentur für kommunikation GmbH
Papier:
Heaven 42
www.bnpparibas.de
Stand: September 2015