Four Coachella Valley High School Students Each Receive $20,000 College Grants

BNP Paribas Celebrates Commitment to Tennis and its Contribution to the Local Community

New York, NY / Indian Wells, CA, March 14, 2023 – BNP Paribas, Europe’s leading financial institution and a global sponsor of tennis, today announces it has awarded the eighth annual BNP Paribas Open Scholarships to Jose Arreola, Kamila Cortes Ramirez, Miguel Gonzalez and Nevaeh Robles from the 2024 graduating class of Coachella Valley High School in Thermal, CA.

The scholarships are granted during the BNP Paribas Open and aim to support students’ pursuit of higher education, providing them with the resources they need to achieve their goals. By investing in these young minds, BNP Paribas is not only fostering individual success but also contributing to the overall development of the Coachella Valley.

The scholarship recipients all exhibit exceptional academic accomplishments and a strong commitment to tennis. Each student receives the $20,000 college grant on Thursday, March 14 at a ceremony at their school and will be recognized during an on-court presentation on Stadium 1 at the BNP Paribas Open on Saturday, March 16.

Jean-Yves Fillion, Vice-Chairman of the Board of Directors for BNP Paribas USA, said, “Our clients trust us not only for our financial expertise but also for our unwavering commitment to social causes. At the core of our business model is a dedication to giving back to the communities in which we operate. Today, we take great pride in reaffirming our support to Coachella Valley High School students through scholarship opportunities. Congratulations to Jose, Kamila, Miguel and Nevaeh who have displayed remarkable dedication both on the court and in the classroom. You optimize the future of tennis and we are confident your drive and compassion will leave an indelible mark in the college arena.”

Peggy Michel, Assistant Tournament Director of the BNP Paribas Open, also added, “These scholarships serve as a compelling testament to the dedication of BNP Paribas in leveraging their partnership with the tournament to create a meaningful and positive influence across the Coachella Valley community. We are thrilled to extend our heartfelt congratulations to Jose, Kamila, Miguel and Navaeh, the well-deserving recipients of these scholarships. We eagerly anticipate following their future accomplishments in the academic area and on the tennis court.”

Jose has challenged himself academically by enrolling in Advanced Placement (AP), Concurrent Enrollment, and Dual Enrollment courses, all while maintaining a 4.3 grade point average (GPA), receiving Gold Level Recognition for a 4.0 GPA or above. Jose has been a member of the Varsity tennis team since 2022 as a doubles player and has encouraged several other young men from Coachella Valley High School to join the team as well. Jose has participated in extracurricular organizations including Friday Night Live Club as President and Ambassador, Youth Organization Council as a member, and Advancement Via Individual Determination (AVID). He was also awarded Riverside Friday Night Live Youth Ambassadors Outstanding Youth Advocate Award for demonstrating leadership throughout Riverside County.

Kamila has enrolled in AP and Honors courses and is an AVID student with a 3.8 GPA. As a member of the Varsity tennis team and Varsity track and field team, Kamila has represented the school at state and divisional competitions, winning the Girls Varsity Tennis Desert Valley League and the Girls Varsity Track and Field Desert Valley League. She has taken all she has learned from her athletic experiences and shared it with young people at Mountain Vista Elementary School volunteering as an athletic coach four times a week teaching tennis, track, volleyball, and softball. In addition, she volunteered as a ball kid at the BNP Paribas Open and volunteers as a teacher at the Christ Gospel Long Beach Children’s Ministry. Kamila was recognized as a High Achiever and was awarded for her academic achievement.

Miguel currently has a 3.6 GPA and is taking several AP and Honors courses. He is also a Certificate of Honor award winner as part of the Above and Beyond Art Internship program where he took ten classes focusing on digital media and design, then he used those skills to support a local business. Miguel has used his media experience for videography with the organization Raices and the Coachella Program where he participated in a three-month program to produce an installation for the Coachella Music and Arts Festival. Since 2022, Miguel has been a member of the Varsity tennis team. He has also been involved in various community service initiatives including Friday Night Live, Youth Organization Council Alianza, and Coachella Unincorporated. Miguel was elected Associate Student Body President and Junior Class President.

Nevaeh is an AP and Honors student taking Dual Enrollment courses and maintains a 3.6 GPA. Nevaeh is an accomplished tennis player and member of the Varsity tennis team. She was recognized as the Most Valuable Player and for the 2023 season she played as Number One Singles player and was undefeated, winning the Desert Valley League. In previous seasons, Nevaeh was tennis Team Captain and played as Number One Doubles player. She is also a Snare player in the Marching Band performing at parades, events, and concerts. Neveah is active in her community. As part of S.O.S.A. Club she fundraised for social, cultural, and educational trips to enhance personal enrichment and is a senior representative for the Health Academy, completing 225 community services hours around health-focused initiatives.

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Press Contacts:

BNP PARIBAS

Claire Schiff

Media Relations

+1 (646) 634-4042

Claire.Schiff@us.bnpparibas.com

BNP PARIBAS OPEN

Matt Van Tuinen

MVT PR

+1 (773) 860-5828

Matt@mvtpr.com

About the BNP Paribas Open

The BNP Paribas Open is the largest combined ATP Tour Masters 1000 and WTA 1000 tennis event in the world, and one of the premier fixtures on tour having been named Tournament of the Year by both the WTA and the ATP Tour for a record-setting nine consecutive years. The 2024 BNP Paribas Open will be held at the Indian Wells Tennis Garden on March 3 – 17, 2024.

BNP Paribas Championing Tomorrow’s Tennis for 50 years

For over 50 years, our history and actions have demonstrated how tennis has the capacity to mobilize people beyond the sport and have a social impact, especially for younger generations. We believe that tennis is bigger when it is inclusive and focused on youth. That is why, on the 50th anniversary of our loyalty to the sport and commitment to its social impact since inception, we highlighted how tennis has the power to inspire players and fans for the good of society and its youth.

About BNP Paribas and tennis

BNP Paribas is a major partner of world tennis, with a historic commitment that began in 1973 and applies to all levels of tennis around the world – singles, wheelchair tennis, team and family tennis – from beginners to the biggest professional tournaments.

  • Professional tennis: Official sponsor of the French Open since 1973, Sponsor of three ATP Masters 1000 tournaments (BNP Paribas Open Indian Wells, Monte Carlo Rolex Masters, Internazionali BNL d’Italia in Rome), the Open 13 Provence (Marseille), the Open Parc de Lyon, the Moselle Open in Metz, the Queens Championships, and the BNP Paribas Nordic Open.
  • Wheelchair tennis: title partner of the BNP Paribas World Team Cup; partner of the French Riviera Open, the WJP Challenge Tennis and the Swiss Open Geneva;
  • Junior and University tennis: partner of the French Federation of University Sport and the BNP Paribas Master’U since 1993;
  • Amateur tennis: Sponsor of the BNP Paribas Family Trophy and partner of more than 1,000 amateur tournaments supported by the bank around the world;
  • Support for younger generations: BNP Paribas supports more than 160 young tennis and wheelchair tennis hopefuls in building their careers through its “Team BNP Paribas Jeunes Talents” programme in France (under the patronage of Jo-Wilfried Tsonga in association with the FFT), the United States (with John and Patrick McEnroe), Belgium (under the patronage of Justine Henin) and Italy, Poland, Canada, Japan and Portugal. BNP Paribas has also been a partner in the selection of ball boys and girls at the French Open for more than 20 years.
  • Solidarity-based tennis: a driver of social projects linked to tennis alongside more than 20 national tennis federations and dozens of charities, based on a conviction that tennis is an even better sport when it is collective and geared towards young people.
  • At the initiative of the “#FAAPointsForChange” programme in partnership with young Canadian hopeful Félix Auger-Aliassime and the solidarity programme “Points For Change” for the inclusion of young generations through sport
  • Partner since 2001 of Yannick Noah’s Fête le Mur association, of Sound of Tennis, which supports visually-impaired tennis players and City Parks charity in the United States, and many others around the world
  • Sport in the workplace: The BNP Paribas internal tournament (We Are Tennis Cup) is one of the world’s leading corporate sporting events (3,500 participants each year).

Building on these partnerships and programmes, BNP Paribas promotes tennis internationally through its “We Are Tennis by BNP Paribas” platform. Since 2011, this web platform wearetennis.bnpparibas and its social media accounts have brought together a community of tennis fans and enthusiasts from all around the world to share the latest news on the ATP, WTA and ITF circuits. Finally, since 2015, BNP Paribas has enabled fans to live their passion for tennis like never before thanks to the We Are Tennis Fan Academy.

These various communications initiatives ensure that tennis is a fantastic vehicle for the brand image of BNP Paribas:

  • In 2023, BNP Paribas was considered the leading sponsor of tennis in the minds of the French (31% spontaneous recognition, rising to 48% among tennis fans). Source: CSA/2023
  • 58% of tennis fans believe that BNP Paribas’ partnership with tennis gives a better image of the brand (39% believe that it does not change the image). Source: CSA/2023
  • 7/10 is the score given to BNP Paribas by those familiar with We Are Tennis (i.e. 73% of tennis fans). This is 1.2 points more than for all French people. Source: CSA/2023

About BNP Paribas

BNP Paribas is the European Union’s leading bank and key player in international banking. It operates in 65 countries and has nearly 185,000 employees, including more than 145,000 in Europe. The Group has key positions in its three main fields of activity: Commercial, Personal Banking & Services for the Group’s commercial & personal banking and several specialized businesses including BNP Paribas Personal Finance and Arval; Investment & Protection Services for savings, investment and protection solutions; and Corporate & Institutional Banking, focused on corporate and institutional clients. Based on its strong diversified and integrated model, the Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporates and institutional clients) to realize their projects through solutions spanning financing, investment, savings and protection insurance. In Europe, BNP Paribas has four domestic markets: Belgium, France, Italy and Luxembourg. The Group is rolling out its integrated commercial & personal banking model across several Mediterranean countries, Turkey, and Eastern Europe. As a key player in international banking, the Group has leading platforms and business lines in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific. BNP Paribas has implemented a Corporate Social Responsibility approach in all its activities, enabling it to contribute to the construction of a sustainable future, while ensuring the Group’s performance and stability.

Stefan Slowinski, Global Head of Software Research at BNP Paribas Exane, discusses Salesforce’s earnings report. Click here to view the full segment.

–Additional Expansion in Equity Coverage Also Announced–


BNP Paribas Exane, a leading provider of equity research and a unit of Europe’s leading bank BNP Paribas, today announces the appointment of five senior research analysts to its award-winning US analyst team, further aligning the bank’s global strategy and growth plans:

Moses Sutton is appointed to Head of Clean Energy Research and will lead the clean energy and infrastructure research team.  Moses joins from Wellington Management where he covered global renewables.  Previously, he was a research analyst at Barclays, where he built and led the #2-ranked Institutional Investor team in alternative energy.  Moses holds a Bachelor’s degree in Music Composition from CUNY Brooklyn College and is a CFA charter-holder.

Sam McHugh is appointed to Head of Telecom Equity Research and will focus on growing the bank’s US telecoms and media coverage, while also taking on enhanced responsibilities as a global coordinator for telecom research.  Sam has been with BNP Paribas Exane for eight years, and previously based in London where he was the Sector Head for Telecom Research.  Sam has consistently been ranked the #1 European Telecom Services analyst by Institutional Investor.  Prior to joining BNP Paribas Exane in 2015, he spent five years at Sanford Bernstein on the European telecom research team.  Sam holds a Master of Mathematics from the University of York.   

Stefan Slowinski is appointed to Global Head of Software Research, leading the coverage on large cap US software and internet stocks, and coordinating BNP Paribas Exane’s global technology research product. Stefan has been with BNP Paribas Exane for over six years, where he has consistently been ranked as a top European Software analyst by Institutional Investor.  Prior to BNP Paribas Exane, he was the Head of Research at Haitong Securities for Europe and LATAM, and Deputy Global Head of Equity and Credit Research at Societe Generale.  He was also a Founder and Managing Partner of INOX Global Capital Management.  Stefan has a Bachelor’s degree from the University of Pennsylvania and an MBA from the London Business School.

Andrew Buscaglia is appointed to Senior Analyst for US Industrial Technology, and will cover diversified industrial IoT applications, including automation equipment, instrumentation, and sensors.  Andrew has been covering the industrials sector since 2011 and joins BNP Paribas Exane from Berenberg, where he was a Senior Analyst and US Industrials Sector Head.  Prior to Berenberg, Andrew was a Senior Analyst at Credit Suisse, covering environmental services and industrial distribution.  Previously, Andrew was a research associate on the semiconductor devices team at Canaccord Genuity. Andrew holds a Bachelor’s degree from Hamilton College.

Kevin Grundy is appointed to Senior Analyst for US Beverages and Household Products.  Previously, Kevin was an Equity Research Analyst at Jefferies for over 10 years, and before that, he held a similar position at Morgan Stanley.  Kevin also worked at JP Morgan and UBS as an Equity Analyst for over 4 years combined.  He holds a BS in Accounting from University of Scranton and an MBA in Finance from Rutgers University.  Kevin was also runner-up for the 2023 Institutional Investor poll for his views on the sector.      

Moses, Sam, Stefan, Andrew and Kevin all report to Michael Rietbrock – BNP Paribas Exane’s Director of Equity Research, Americas.

Adil El Batji, Head of Global Equities in the Americas at BNP Paribas, said: “We are focused on being the leading European bank for our global clients and offering new and innovative services to help them in the current marketplace.  Today’s appointments deliver on this ambition and are also another step in building out our BNP Paribas Exane US Research.  Global Equities continues its growth story in the US by providing clients a full value chain across research, financing, execution and derivatives.”

Michael Rietbrock, BNP Paribas Exane’s Director of Equity Research, Americas: “We welcome Moses, Sam, Stefan, Andrew and Kevin to the US BNP Paribas Exane team.  It’s an exciting time to join the platform and their contributions will further expand our global equities offerings to institutional clients.  We’re very proud to have such talented analysts and look forward to offering BNP Paribas Exane’s unrivalled services to our clients.”

In addition to the new hires, BNP Paribas Exane plans to expand its coverage from 275 U.S. stocks today to over 500 U.S. stocks by 2025, with an initial focus on the Technology, Media, and Telecommunications (TMT), Consumer, Healthcare and Industrials sectors.  This expansion of U.S. stocks coverage is supported by the bank’s ambitious plans to grow the number of analysts, sector specialists, traders, sales traders and salespeople it employs.  BNP Paribas Exane today covers over 966 stocks globally.

In 2021 BNP Paribas acquired 100 percent of Exane following a successful 17-year partnership and in November 2022, BNP Paribas launched BNP Paribas Exane in the US.  The bank has since aligned BNP Paribas Exane’s offering with its leading Global Markets platform.

BNP Paribas Exane has been ranked the #1 industry research provider in Europe for seven consecutive years by Institutional Investor.  In addition to best-in-class equities research, clients will continue to benefit from the bank’s top-tier electronic execution and prime brokerage platforms migrated from Deutsche Bank, its state-of-the-art execution platform driven by Cortex Equities, the referral arrangement for Credit Suisse Prime Services customers, and well-recognized equity derivatives expertise developed over 30 years.

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Press Contacts:

BNP PARIBAS
Guy Taylor
+1 (332) 323-3704
Guild.Taylor@us.bnpparibas.com

Mylene Benmoussa
+1 (646) 322-5221
Mylene.Benmoussa@consultant.bnpparibas.com

About BNP Paribas Exane

Exane was founded in 1990 with a robust business model built around three complementary business lines: Cash Equities (BNP Paribas Exane); Structured Solutions (Exane Solutions); and Asset Management (Exane Asset Management). The group expanded internationally in order to be as close to clients as possible, with Paris and London as its main offices. Over 800 employees are now spread across nine sites worldwide: Paris, London, Frankfurt, Geneva, Madrid, Milan, Stockholm, New York and San Francisco. After a successful 17-year partnership with BNP Paribas, Exane became a subsidiary of BNP Paribas in July 2021.

About BNP Paribas

BNP Paribas is the European Union’s leading bank and key player in international banking. It operates in 65 countries and has nearly 185,000 employees, including more than 145,000 in Europe. The Group has key positions in its three main fields of activity: Commercial, Personal Banking & Services for the Group’s commercial & personal banking and several specialised businesses including BNP Paribas Personal Finance and Arval; Investment & Protection Services for savings, investment and protection solutions; and Corporate & Institutional Banking, focused on corporate and institutional clients. Based on its strong diversified and integrated model, the Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporates and institutional clients) to realise their projects through solutions spanning financing, investment, savings and protection insurance. In Europe, BNP Paribas has four domestic markets: Belgium, France, Italy and Luxembourg. The Group is rolling out its integrated commercial & personal banking model across several Mediterranean countries, Turkey, and Eastern Europe. As a key player in international banking, the Group has leading platforms and business lines in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific. BNP Paribas has implemented a Corporate Social Responsibility approach in all its activities, enabling it to contribute to the construction of a sustainable future, while ensuring the Group’s performance and stability.

With hosts Jonathan Ferro, Lisa Abramowicz and Annmarie Hordern they discussed Google and Microsoft earnings. Watch the full interview here

New York, Feb 05, 2024 – BNP Paribas is pleased to share it recently renewed and increased its loans to Grameen America, further solidifying the bank’s strong commitment to promoting social and financial inclusion. BNP Paribas’s relationship with Grameen America extends beyond financial support and is driven by the Group’s intent to reinforce positive societal impact.

Grameen America was founded in 2008, in Queens, NY, and has quickly become one of the largest microfinance institutions in the United States. As a non-for-profit organization, its mission is dedicated to helping underserved entrepreneurial women build their businesses, secure financing, and provide support that may not have been accessible otherwise.

As of December 2023, Grameen America has supported over 186,000 borrowers with more than $3.8B in loan capital through 27 cities across the country. Microfinance loans to organizations such as Grameen America, not only supports the development of small economic projects but also helps to open doors to emerging entrepreneurs seeking to elevate social initiatives and economic security.

Findings from a study conducted on Grameen America by independent research firm MDRC found that the Grameen America microlending model resulted in a reduction of measures of material hardship and an increase of credit scores and business ownership. The microlending program also improved participants’ feelings of overall financial well-being.

In 2017, BNP Paribas successfully issued its first credit line to Grameen America and has since demonstrated a fruitful partnership, for example the bank provided pro-bono mentoring to Grameen America’s employees at its head offices in New York.

The recent closing of a new microfinance loan in 2023 demonstrates BNP Paribas’s continued commitment to its longstanding relationship with Grameen America and the noteworthy funding it provides to low-income entrepreneurs. To learn more about Grameen America and its meaningful work please visit: Grameen America.

BNP Paribas has been financing microfinance institutions, building meaningful connections and providing access to credit in emerging countries since 1989. Consequently, reaching 2.9 million indirect beneficiaries through 1,2 billion euro in total loans. Last May, BNP Paribas also renewed for three more years its partnership with Grameen’s Creative Lab, a separate entity from the Grameen America that promotes a concept of having a “World of Three Zeroes”: zero poverty, zero unemployment and zero net carbon emissions.

Press Contacts:

BNP PARIBAS
Guy Taylor
+1 (332) 323-3704
Guild.Taylor@us.bnpparibas.com

Claire Schiff
+1 (646) 634-4042
Claire.Schiff@us.bnpparibas.com

GRAMEEN
media@grameenamerica.org

About Grameen America
Grameen America is a 501(c)(3) nonprofit microfinance organization dedicated to helping low-income women build small businesses to create better lives for their families. The organization offers access to loan capital, financial education, asset- and credit-building, and peer support to transform communities and advance financial mobility in the United States. Since January 2008, Grameen America has invested over $3.8 billion in more than 188,000 women entrepreneurs. Opening originally in Jackson Heights, Queens, Grameen America has expanded to 27 cities in Atlanta, GA, Austin, TX, Boston, MA, Camden, NJ, Charlotte, NC, Chicago, IL, Connecticut, Dallas, TX, Fresno, CA, Houston, TX, Indianapolis, IN, Los Angeles, CA, Memphis, TN, Miami, FL, Newark, NJ, New York, NY, Omaha, NE, Oakland, CA, Phoenix, AZ, Riverside, CA, San Antonio, TX, San Bernardino, CA, San Jose, CA, Trenton, NJ and Union City, NJ.

About BNP Paribas CIB in the Americas
Corporate & Institutional Banking (CIB) Americas serves over 3,200 Corporate, Institutional, Private Banking & Distribution clients through its: Global Banking, which provides sophisticated and diversified expertise in financing, cash management and financial advisory services for clients; Global Markets, which offers consistent client service and innovative solutions for investment, hedging, and financing opportunities across asset classes and geographies, as well as research and market intelligence; Securities Services, a leading global custodian and securities services provider offering multi-asset post-trade and asset servicing solutions for buy- and sell-side market participants, corporates and issuers; and Asset Management offering high value-added solutions to individual savers, companies, and institutional investors through a broad range of skills in four investment areas: Equities; Fixed Income; Private Debt & Real Assets; and Multi-Asset, Quantitative, & Solutions (MAQS).

Jean-Yves Fillion recently joined host David Westin on Bloomberg TV’s “Wall Street Week” (click here):Watch Fillion: US is Attractive Domestically and Overseas – Bloomberg

In the interview, Jean-Yves discusses the economy, markets, inflation, and the health of consumers, among other topics.

Please click here:

The U.S. consumer is resilient despite constant headwinds, says BNP’s Jean-Yves Fillion (cnbc.com)

Please find here recent BNP Paribas Exane press coverage of Stefan Slowinski, Global Head of Software Research, on CNBC’s “Worldwide Exchange” this morning where he discusses mega-cap tech stocks during earnings season, particularly Alphabet.

Stefan Slowinski, Global Head of Software Research for BNP Paribas Exane, joins BNN Bloomberg TV’s “The Daily Chase” where he discusses tech hot picks including Nvidia, Alphabet, Salesforce, and Workday among others.  Please see the full clip:

Hot picks: Three stocks to buy in the software sector – Video – BNN (bnnbloomberg.ca)

The team will transition into their new roles over the next several months

New York, NY & Miami, FL, August 7, 2023 – BNP Paribas Securities Corp., a unit of Europe’s leading bank BNP Paribas, today announced the appointment of Matt O’Connor as Head of its new Miami office as well as Annabella Espina the Chief Operating Officer (COO). 

José Placido, Chief Executive Officer of BNP Paribas USA and CIB Americas, said: “We welcome Matt and Annabella to these new roles and look forward to the official opening of our Miami office later this year.  Since our announcement in January of launching this office, we’ve put every effort towards achieving today’s milestone to further expand our Global Markets franchise in the Americas, with more to come.”

John Gallo, Head of Global Markets Americas and Global Head of Institutional Client Group at BNP Paribas, said: “We’re excited to share the news that we have finalized the selection for the Miami office management and that these are the first of many significant hires in this important new chapter for our business.  The new office is consistent with our strategy of being close to the clients we serve and will be an important office for our Global Markets business.  I am confident Matt, Annabella, and our office will be very successful.”

Matt O’Connor is currently Managing Director, Global Macro Institutional Sales at BNP Paribas in New York. He joined the bank in 2014 and has over 20 years of experience in financial markets.  Prior to BNP Paribas, he was Head of Commodity Investor Sales at Deutsche Bank and held various positions with Lehman Brothers.

Annabella Espina is currently the CFO of CIB Mexico and has been with BNP Paribas for over 17 years.  She has held several senior positions within the Bank in Paris, New York and Mexico City, including Chief of Staff for Finance and Tax and Head of Financial Management and Corporate Development for CIB Americas.

BNP Paribas Securities Corp.’s Miami office will open the Fourth Quarter 2023 and support the continued growth of its Global Markets business in the US, amongst others, and the increasing number of clients with a foothold in South Florida.  The new office is located at 801 Brickell Avenue in Miami’s financial hub and will focus on credit, equities, and macro products.  BNP Paribas Securities Corp.’s Miami campus is also the latest example of the firm’s efforts to create best-in-class platforms and products for its local Miami-area clients.

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Press Contacts:

BNP PARIBAS

Guy Taylor

+1 (332) 323-3704

Guild.Taylor@us.bnpparibas.com

Robert Madden

+1 (917) 287-8501

Robert.Madden@us.bnpparibas.com

About BNP Paribas  

BNP Paribas is the European Union’s leading bank and key player in international banking. It operates in 65 countries and has nearly 185,000 employees, including more than 145,000 in Europe. The Group has key positions in its three main fields of activity: Commercial, Personal Banking & Services for the Group’s commercial & personal banking and several specialised businesses including BNP Paribas Personal Finance and Arval; Investment & Protection Services for savings, investment and protection solutions; and Corporate & Institutional Banking, focused on corporate and institutional clients. Based on its strong diversified and integrated model, the Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporates and institutional clients) to realise their projects through solutions spanning financing, investment, savings and protection insurance. In Europe, BNP Paribas has four domestic markets: Belgium, France, Italy and Luxembourg. The Group is rolling out its integrated commercial & personal banking model across several Mediterranean countries, Turkey, and Eastern Europe. As a key player in international banking, the Group has leading platforms and business lines in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific. BNP Paribas has implemented a Corporate Social Responsibility approach in all its activities, enabling it to contribute to the construction of a sustainable future, while ensuring the Group’s performance and stability.