New Business Organisation

BNP PARIBAS BNL IRFS at a Glance INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES 52,000 employees in 56 countries Retail Banking in the United States Retail Banking in Emerging Consumer Finance Private Mortgage Equipment Solutions Markets BANCWEST A BNP PARIBAS company BMCI Groupe BNP PARIBAS #7 commercial bank in the Western US 742 branches TEB УКРСИББАНК BNP PARIBAS Group 1,650 branches in 32 territories Cetelem A BHP PARIBAS company UCB BNP PARIBAS LEASE GROUP #1 in Continental Europe #3 in France among specialist players #3 in Europe Grupp BNP PARIBAS International Retail Banking and Financial Services ARVAL Une société de BNP PARIBAS #2 in Europe 101

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