BNP Paribas

Consumer Loans (EUR)from 1.99 % Apply for Loan

BNP Paribas is a French banking and financial services institution. BNP Paribas is one of the largest banks in Europe and in the world. BNP Paribas operates globally, offering retail and corporate and institutional banking products and services at both domestic and international markets.

In 2015 total assets of BNP Paribas were 1 994,00 bln EUR.

BNP Paribas is rated by Fitch, Moody's, Standard & Poor's. Long-term credit rating assigned to the bank by Fitch is A+ (high credit quality). Long-term credit rating assigned to the bank by Moody's is A1 (upper medium grade). Long-term credit rating assigned to the bank by Standard & Poor's is A (strong capacity to meet its financial commitments). BNP Paribas participates in deposit guarantee scheme of France. This scheme covers accounts up to 100 000 EUR per bank per depositor.

BNP Paribas is located in PARIS.

Address
16 BOULEVARD DES ITALIENS, 75009, PARIS, France
Website
https://group.bnpparibas/
Head of Group
 BNP Paribas (France)
Bank Category
Branches of foreign banks
Total Assets (2015)
1 994.00 bln EUR  (-4.04%)
Credit Ratings (as of Apr 2016)
A+/A1/A
Deposit Guarantee
100 000 EUR
BIC (SWIFT)
BNPAFRPPXXX
MFI ID
FR30004

Business Summary

Services
retail banking
private banking
asset management
wealth management
corporate banking
investment banking
securities services
Products
current accounts
debit cards
credit cards
savings accounts
time deposit accounts
investment funds
consumer loans (1.99 - 6.00 %)
car loans
mortgage loans

Products

Credit Cards

Credit cards provides a convenient option to borrow funds for short-term financing, for examples purchasing of goods and services. Credit cards differ by credit card provider (Visa, American Express, MasterCard), credit card type (silver, gold, platinum), charged interest and annual costs. The following credit cards are offered by BNP Paribas.

Last updated 27 April 2017

ProductRegionCard CurrencyCard ProviderCard TypeAnnual Costs (EUR)
FR
EURVisaStandard0.00 View Details Order Card
Credit Card Details
Product Name Visa Premier
Card Provider Visa
Card Type Standard
Annual Costs 0.00 EUR
Card Currency EUR
Bonus Programs
Insurances
Benefits
Services
Order Card

FR
 This product is offered to French residents only. When clicking on the product link you will be redirected to the product page in French.

See Also

Consumer Loans

Consumer loans are secured or unsecured (i.e., backed or non-backed by a collateral) loans provided to retail customers for personal, family, or household purposes or for purchase of goods and services. In terms of repayment, consumer loans can be revolving (when a credit limit can be spent, repaid and spent again) or installment (such a loan is repaid in equal installments until the loan is paid off at the end of its term). Consumer loans offered by BNP Paribas are shown in the table below.

Last updated 27 April 2017

ProductRegionLoan CurrencyEffective Rate (p.a.)Loan Amount (EUR)Loan Term (months)
FR
EUR1.99 %5000 - 7500012 Apply for Loan
FR
EUR2.49 %5000 - 7500024 Apply for Loan
FR
EUR3.30 %5000 - 1499936 Apply for Loan
FR
EUR6.00 %5000 - 1099948 Apply for Loan
FR
EUR6.00 %5000 - 1099960 Apply for Loan

FR
 This product is offered to French residents only. When clicking on the product link you will be redirected to the product page in French.

See Also

Financial Positions

Total Assets (2015)
1 994.00 bln EUR  (-4.04%)

In 2015 total assets of BNP Paribas were 1 994.00 bln EUR. Decline compared to the previous period (2014) was -4.04%. The evolution of the total assets of BNP Paribas is shown at Chart 1 below.

Total Assets of BNP Paribas. Chart 1. Total Assets of BNP Paribas.

Credit Ratings (as of Apr 2016)

Fitch Moody's S&P
A+ (high credit quality) A1 (upper medium grade) A (strong capacity to meet its financial commitments)

Credit Rating is an opinion of a credit rating agency about credit worthiness of a company or a government.
Of the 'Big Three' rating agencies, BNP Paribas is rated by Fitch and Standard & Poor's.

Credit ratings assigned to BNP Paribas as of April 2016 are shown in details in the following sections.

Fitch

Long-term issuer default rating is Fitch's view of a credit institution's relative vulnerability to default on its financial obligations, for BNP Paribas it is set to A+ (high credit quality), outlook is stable (not likely to change). The rating is not on watch. Short-term issuer default rating for BNP Paribas is set to F1 (highest short-term credit quality).

Long-Term Issuer Default Rating  A+
    Outlook  stable
    On Watch  No
Short-Term Issuer Default Rating  F1
Viability Rating  a+
Support Rating  5
Support Rating Floor  NF

Viability rating for BNP Paribas is set to a+ (high fundamental credit quality); support rating is 5 (there is a possibility of external support, but it cannot be relied upon); support rating floor is NF (no floor; no reasonable presumption of potential support being forthcoming).

Moody's

Long-term rating for BNP Paribas it is set to A1 (upper medium grade). Long-term bank deposit rating is A1 (upper medium grade). Bank financial strength rating is baa1. Short-term rating is set to Ba1.

Long-Term Rating  A1
Long-Term Bank Deposit Rating  A1
Bank Financial Strength Rating  baa1
Short-Term Rating  Ba1
Outlook  stable

Outlook for the ratings of BNP Paribas is set to stable (not likely to change).

Standard & Poor's

Long-term foreign currency rating for BNP Paribas is set to A (strong capacity to meet its financial commitments). Long-term local currency rating is set to A (strong capacity to meet its financial commitments).

Long-Term Foreign Currency Rating  A
    Outlook  -
    Credit Watch  -
Long-Term Local Currency Rating  A
    Outlook  -
    Credit Watch  -
Short-Term Foreign Currency Rating  A-1
Short-Term Local Currency Rating  A-1

Short-term foreign currency rating for BNP Paribas is set to A-1 (strong capacity to meet its financial commitments). Short-term local currency rating is set to A-1 (strong capacity to meet its financial commitments).

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in France are obliged to participate in French deposit guarantee scheme.

In the case of BNP Paribas failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Eligible Depositors  natural persons, legal entities
Covered Accounts  all deposit accounts (current accounts, demand accounts, passbook accounts, term accounts, home savings accounts, home savings schemes, etc.)
Covered Currencies  all currencies
Maximum Protected Amount  100 000 EUR
Paid In Currency  EUR

Further Information

Bank Identifiers

Any bank can be identified for different purposes and hence can have several different identifiers.

BIC

BIC (Business Identifier Code, also known as SWIFT code or SWIFT BIC) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).

BIC of BNP Paribas and its components are shown in the table below.

BIC  BNPAFRPPXXX
Bank BIC Code  BNPA
Country Code  FR (France)
Location Code  PP
Branch Code  XXX

MFI ID

MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of BNP Paribas is shown in the table below.

MFI ID  FR30004