Bank BGŻ BNP Paribas S.A. is a universal bank, listed on the Warsaw Stock Exchange. The Bank offers savings and investment products and a wide range of loans to its individual customers, while businesses (micro enterprises, SMEs and corporations) are provided with solutions for financing operations on the Polish and international market. The Bank also offers its services to enterprises from the agriculture and food sector. It specializes in financing agriculture, food economy and regional infrastructure. Private Banking Segment customers are extended a comprehensive offering related to assets protection, optimization and growth. Besides the Bank customers are also able to embrace investment advisory services.
Sygma Bank is a branch of the French Sygma Banque Société Anonyme (Joint-Stock Company), in which Laser Cofinoga (belonging to BNP Paribas Personal Finance) holds 100% shares. The Bank is specialised in consumer loans and financing purchase of consumer goods by offering credit cards and instalment loans. Sygma Bank is one of the leaders of the Polish credit cards market; its portfolio comprises approx. 1 million credit cards (as at the end of 2013).
BNP Paribas SA Branch in Poland cooperates with international corporations and largest companies and institutions in Poland in the area of investment banking. The Branch is part of the Corporate and Investment Banking business line (CIB), which provides solutions for financing, risk management and advisory services. In Europe, it is the leader in financing corporations and in the Cash Management area.
BNP Paribas Leasing Solutions offers an operating and finance lease and credit facilities to enterprises and people running business activity. It specialises in financing any type of fixed assets such as computer and telecommunication equipment, industrial devices and vehicles, in particular agricultural machines and vehicles. It is a leader in financing agricultural machines (data from the Polish Leasing Society).
BNP Paribas Factor Sp. z o.o. offers both non-recourse and recourse factoring services (i.e. with and without assuming the risk of customers' insolvency). Its offering is addressed to small, medium and large manufacturing and trade enterprises as well as service providers which sell their goods or services on deferred payment terms. The company specializes in the service of international corporate customers.
Arval Service Lease Polska Sp. z o.o. specialises in corporate vehicle management solutions. It offers a wide range of services for companies and corporate clients – from financing vehicles through maintenance, repairs and fuel management. Arval ranks second among companies associated in the Polish Vehicle Rental and Leasing Association (Polski Związek Wynajmu i Leasingu Pojazdów) with respect to a number of vehicles under management – approx. 16 thousand (Q3 2013).
In Poland, Cardif operates as TUnŻ Cardif Polska SA, Towarzystwo Cardif Assurances Risques Divers SA Branch in Poland, Cardif Services Sp z o.o. Cardif is an expert specialised in solutions in the bancasurance area. Moreover, it offers insurance products for private individuals, businesses and institutions.
In 2013, Cardif already for the fifth time received a title of the "Pearl of the Polish Economy". The title was awarded for a consistent implementation of the enterprise policy and strategy as well as membership of the group of the most dynamic and effective companies in Poland.
BNP Paribas Securities Services S.K.A. Branch in Poland offers services related to settlement of transactions in securities and investment operations solutions to financial intermediaries, global custodian banks and investment banks. It is the leader in Europe, while worldwide it ranks fifth.
TFI BNP Paribas Polska SA (investment fund company) offers comprehensive solutions in the area of investments in capital markets - both Polish and foreign markets. Additionally, it offers investment funds (BNP Paribas FIO) and the service of individual securities portfolio management (asset management).
BNP Paribas Real Estate is the leading international real estate provider. As regards the CEE Region, BNP Paribas Real Estate provides services in respect of Capital Markets, Property Management, Transaction, Consulting and Valuation. BNP Paribas Real Estate provides knowledge regarding real estate markets, thus enabling BNP Paribas Real Estate clients to make the most suitable long-term business decisions. Furthermore, all departments are supported by Research as well as Marketing and Communication Teams.
BNP Paribas Real Estate has local expertise on a global scale through its presence in 40 countries with more than 180 offices and 3,700 employees. BNP Paribas Real Estate is a subsidiary of BNP Paribas Group.
BNP Paribas Wealth Management provides services to high-net worth customers concerning wealth optimisation and organisation of its structure, and also asset management. It operates in 30 countries and is the fifth best private bank worldwide in terms of the amount of assets under management. In 2014, it was awarded the title of the best bank in Private Banking services in France, Luxembourg and Ukraine (according to Euromoney). In Poland, the BNP Paribas Wealth Management business line operates through BNP Paribas Private Banking.
BNP Paribas Personal Finance offers consumer credits and mortgage loans to customers. It operates in over 20 countries and is the leader in terms of consumer credits in Europe. In Poland, the Personal Finance business line is responsible for the product offering concerning cash loans, car loans and credit cards, which are distributed through the Retail Banking branch network of BNP Paribas Bank Polska and external distribution channels.