ROAD TO 2020

BNP PARIBAS 2017-2020 BUSINESS DEVELOPMENT PLAN

”Accelerate our transformation in order to build the European bank of reference”

IMPLEMENT NEW
CUSTOMER JOURNEYS

UPGRADE THE
WORK DIFFERENTLY
OPERATIONAL MODEL

GROW THE BUSINESSES

PROVIDE A NEW CUSTOMER
EXPERIENCE
ROAD TO 2020
ADAPT ACCELERATE DIGITALISATION MAKE BETTER
INFORMATION IMPROVE OPERATING USE OF DATA TO
SYSTEMS EFFICIENCY SERVE CLIENTS

A PLAN BASED ON OUR INTEGRATED BUSINESS MODEL AND THE GROUP’S VALUES
DOMESTIC
MARKETS
INTERNATIONAL
FINANCIAL OUR BUSINESS MODEL IS BASED ON CLOSE COOPERATION
SERVICES
BETWEEN OUR BUSINESS LINES AND OUR
IFS CIB LOCATIONS AND ON DIVERSIFICATION OF RISK

CORPORATE &
INSTITUTIONAL
BANKING

THE BNP PARIBAS WAY, THE GROUP’S VALUES

AGILITY STABILITY
DRIVING
OUR
STRENGTHS
OUR
FORCES

COMPLIANCE CULTURE OPENNESS RESPONSIBILITY

AN AMBITIOUS PROGRAMME OF NEW CUSTOMER EXPERIENCE, DIGITAL TRANSFORMATION

& SAVINGS

Capitalise on existing initiatives

ARVAL
Active Link

etc.
BuyMyHome
par BNP PARIBAS

Investing in change

~ €3bn IN …FINANCED BY
~ €3.4bn IN SAVINGS
NEW CUSTOMER EXPERIENCE

TRANSFORMATION COSTS DIGITAL TRANSFORMATION

BETWEEN 2017 AND 2019 … OPERATING EFFICIENCY DURING THE SAME PERIOD

A PROGRAMME DRIVEN BY 5 LEVERS

ADAPT UPGRADE THE

WORK DIFFERENTLY MAKE BETTER USE IMPLEMENT NEW INFORMATION
OF DATA TO SERVE CLIENTS CUSTOMER JOURNEYS OPERATIONAL MODEL
SYSTEMS

A PLAN FOR SUSTAINABLE GROWTH ACROSS ALL OUR BUSINESSES

A BUSINESS CULTURE CHARACTERISED BY RESPONSIBLE, ETHICAL CONDUCT

A POSITIVE IMPACT ON SOCIETY THROUGH OUR APPROACH TO FINANCE & INVESTMENT AND OUR CORPORATE
PHILANTHROPY INITIATIVES

AN ACTIVE ROLE IN THE TRANSITION TO A LOW-CARBON ECONOMY

THE PLAN’S 5 KEY TARGETS

ANNUAL REVENUE ANNUAL GROWTH PROFITABILITY

GROWTH
≥ 2.5%* > 6.5%* 10%**
IN NET INCOME IN 2020

SOLVENCY RATIO DIVIDEND

IN 2020****
12%*** PAYOUT RATIO*****
50%

* Compounded annual growth rate ** ROE: Return On Equity *** Solvency Ratio = fully loaded Basel 3 common equity Tier 1 ratio ****at constant regulatory framework ***** Upon approval at AGM

The bank
for a changing
world