Commercial, Personal Banking & Services

Arval

Sustainable mobility services

Arval, is a benchmark in renting and 360º mobility services,
offering a wide range of innovative solutions and providing a
high-quality personalized service to its clients, from large
corporations to individuals. It has more than 30 years of
experience, presence in 29 countries and a financed fleet of more than 1.7 million vehicles. Their new strategic plan, Arval Beyond, prepares them to grow constantly and offer their clients the best sustainable mobility adapted to their needs.

BNP Paribas Personal Finance

Consumer finance and digital banking

BNP Paribas Personal Finance, known in the Spanish market by its commercial brand Cetelem, is the consumer credit division of BNP Paribas, and a leader in personal finance in Europe. It is the financial partner of the main Spanish and international automotive and retail brands, present in more than 9000 points of sale, and in more than 2000 dealerships. Through its commercial brand Cetelem, it offers its customers solutions and products for the daily management of their finances: current and savings accounts, deposits, personal loans and debit and credit card management, insurance products and recently also liabilities.

BNP Paribas Personal Finance completes its portfolio by offering a new value added to Cetelem’s shares in the distribution thanks to a model of Banking as a Service (BaaS), with an offer covering all basic banking needs of its customers, with assets and liabilities – current accounts, debit cards, remunerated savings accounts and deposits – and also through 100 % digital processes.

It is also a benchmark in market analysis thanks to the Observatorio Cetelem studies.

Nickel

Account

Nickel offers a unique business model that seeks to compete with traditional banking by offering customers the ease of opening an account in lottery shops and tobacconists. This model seeks to develop a culture of proximity and trust, offering the opening of accounts without conditions and at a reduced cost, by providing its customers with a network of thousands of Nickel Points where they can deposit or withdraw money from their accounts. Nickel has more than 3 million customers in Europe.

BNP Paribas Leasing Solutions

Equipment, leasing and finance solutions

BNP Paribas Leasing Solutions provides companies with ways of leasing and financing fixed capital, tailored to their needs. Its experts advise those professionals wishing to finance a fixed capital investment, to sell this type of asset, or to outsource and finance the management of their plant and equipment. With more than 3,700 co-workers worldwide, it is Europe’s leader in the financing of professional equipment.

BNP Paribas Factor

Factoring

Efficient management of operating capital at a company serves to optimise resources which can then be dedicated to growing the business. With more than 3.2 billion in assigned turnover, BNP Paribas Factor is one of the main players in the Factoring market in Spain. It is also a global leader in Europe with a market share of 10%. BNP Paribas Factor fulfils companies’ financing needs at the local level, for imports and exports, and beyond Spain’s borders through its international products, offering a wide range of factoring services via its branches in Madrid, Barcelona and Bilbao.

UCI

Sustainable mortgage finance

UCI, Unión de Créditos Inmobiliarios, is a specialist in sustainable financing that promotes the responsible purchase of housing and the rehabilitation of the Spanish housing stock. Its personalized loans and mortgages put people and their life projects at the center. In addition, its solutions promote the renovation and energy improvement of the Spanish housing stock under a criterion of sustainability, energy efficiency and respect for the environment.

UCI is a member of the United Nations Global Compact and has been recognized as a Great Place To Work® for the last four years. The entity, with more than 30 years of experience, belongs to the BNP Paribas Group and Banco Santander, both with a 50% shareholding.