BNP Paribas Personal Finance

BNP Paribas Group delivered a strong performance in Q3 2026, supported by a significant contribution from the Commercial, Personal Banking & Services (CPBS) division. At BNP Paribas Personal Finance, the third quarter confirms the strength of our commercial activity, despite a demanding economic environment. Production grew by 8% year-on-year, while loans outstanding increased by 6%, reflecting solid business momentum and disciplined, selective growth. • 𝗠𝗼𝗯𝗶𝗹𝗶𝘁𝘆 remains a key growth driver, with production up 13%, supported by the Stellantis Bank joint venture partnership and the ramp-up of the Chery partnership in the UK. • 𝗥𝗲𝘁𝗮𝗶𝗹 delivered another strong quarter, with production up 13% year-on-year, driven by the partnership with Apple and continued momentum with major partners including Orange and Currys. • 𝗕𝟮𝗖 continues to reflect our highly selective approach, our continued focus on risk-adjusted profitability and margin discipline with production down 2%. Beyond business growth, revenues continued to increase (+4.6%), supported by robust margin management in a more challenging interest-rate environment. Thanks to rigorous cost management and strong execution, our costs remained contained, increasing by 1.1%. In a demanding context, we are demonstrating the agility and adaptability that will be key to our 2026 results and equally essential to building sustainable profitability in the months and years ahead. Our ambition is clear: to become the preferred financing platform for our partners and the budget companion for our customers, delivering simpler, faster and more personalised experiences. Behind these results are committed teams, trusted partners and clients who choose to work with us every day. A sincere thank you to all of them. #BNPPResults

👀 One Chair. Two very different seats. At BNP Paribas Personal Finance, Charlotte Dennery looks at strategy from inside the company. 🗣️At the ASF - Association française des Sociétés Financières (French Association of Financial Companies), or ASF, she looks at the bigger picture: 240 members across specialized financial services, with one collective voice to bring to public authorities in France and Europe. Two roles that don’t overlap but do inform each other. Company strategy on one side. Industry-wide challenges on the other. 🔎 And a broader perspective on specialized finance in between. So, what does it actually mean to chair both? ⏱️ Charlotte breaks it down in 1️⃣0️⃣0️⃣ seconds.

🎤✨ The AI Maestro: where technology meets music. Today, in our new Inside Out interview 🎙️✨, we’re delighted to introduce Meriem AAMRI, AI Leader at BNP Paribas Personal Finance and jazz singer. At work, she describes herself as an “AI maestro”, helping to orchestrate AI transformation across BNP Paribas Personal Finance France and bring teams and stakeholders together. Her mission? ✅ Shape the vision through AI strategy, governance and priorities ✅ Accelerate transformation by turning ambition into action ✅ Create impact by delivering and scaling AI solutions But there’s another side to Meriem Aamri... music 🎶 A singer since childhood, she now performs with Layali Echoes, an acoustic duo where her voice meets the bass in an unusual set-up. Together, they revisit classics in Arabic, English and Spanish, blending jazz with oriental influences. For her, music is essential: a space where she feels free, recharged and simply herself. Curious? Discover her inspiring story via the link below ⤵️

What makes BNP Paribas Mobility a unique asset? ✦ At the heart of our mobility strategy, BNP Paribas Personal Finance and Arval combine their respective strengths to address increasingly diverse mobility needs, from flexible financial solutions to fleet management, mobility services and more integrated journeys for dealers and customers. This proven collaboration has helped us develop our business, build key partnerships and respond more effectively to partners’ evolving needs and expectations. ◉ The ONE Bank Mobility dynamic takes this even further, drawing on the broader capabilities of BNP Paribas Group to provide partners with a more comprehensive response to the transformations shaping the mobility market. ▶ Vincent Sussfeld, Deputy CEO of BNP Paribas Personal Finance, and Pascal Brasseur, Retail Director at Arval BNP Paribas Group, explain what makes this value proposition distinctive and where it can take us next. #BNPPMobility

🏁 60 brands. 25 Chinese players. And one word almost impossible to escape: electric 🚨 Beyond the new models, this year’s Paris Motor Show offered an interesting snapshot of how the automotive market is shifting. Smaller cars, more accessible electric models and growing competition from Chinese manufacturers. 👉 Which of these trends could change the game in Europe? Our economic expert Flavien Neuvy shares his takeaways. #mondialdelauto2026 Mondial de l’Auto - Paris

The mobility market is undergoing major shifts. And they are redefining where value is created. So, we brought together mobility experts and industry partners to combine perspectives on these changes. Three shifts stood out: ➊ 𝗧𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝘆 𝗶𝘀 𝗺𝗼𝘃𝗶𝗻𝗴 𝗳𝗿𝗼𝗺 𝗲𝘅𝗽𝗲𝗿𝗶𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻 𝘁𝗼 𝘀𝗰𝗮𝗹𝗲. Discussions on AI and data highlighted concrete use cases with strong business potential. The next step is to turn the most relevant ones into solutions that can be deployed across markets and businesses.   ➋ 𝗩𝗮𝗹𝘂𝗲 𝗰𝗿𝗲𝗮𝘁𝗶𝗼𝗻 𝗶𝘀 𝗲𝘅𝗽𝗮𝗻𝗱𝗶𝗻𝗴 𝗮𝗰𝗿𝗼𝘀𝘀 𝘁𝗵𝗲 𝘃𝗲𝗵𝗶𝗰𝗹𝗲 𝗹𝗶𝗳𝗲𝗰𝘆𝗰𝗹𝗲. Multi-cycle models, electrification and new mobility technologies are opening new opportunities across the vehicle lifecycle, while putting profitability and sustainability firmly into the equation.   ➌ 𝗠𝗮𝗿𝗸𝗲𝘁 𝗰𝗼𝗺𝗽𝗹𝗲𝘅𝗶𝘁𝘆 𝗶𝘀 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗶𝗻𝗴 𝘁𝗵𝗲 𝘃𝗮𝗹𝘂𝗲 𝗼𝗳 𝗰𝗼𝗻𝗻𝗲𝗰𝘁𝗲𝗱 𝗲𝘅𝗽𝗲𝗿𝘁𝗶𝘀𝗲. Automotive players are navigating technology shifts, new competitors and evolving business models simultaneously. This increasingly calls for complementary capabilities to address interconnected challenges.   This is where BNP Paribas 𝗠𝗼𝗯𝗶𝗹𝗶𝘁𝘆 makes a difference: connecting expertise from across the Group to provide partners with a more comprehensive response to their mobility needs.   BNP Paribas Personal Finance brings deep automotive finance expertise and a strong market presence to this model: ◉ more than 4 million vehicles financed worldwide with our partners ◉ with mobility now representing 44% of our outstanding portfolio. Behind these figures is a strong track record, built through long-term strategic partnerships and a growing portfolio of mobility players.   ⮑ Our expertise, amplified by the power of the BNP Paribas Mobility ecosystem, supports our ambition to become the leading mobility finance player in Europe.   And yesterday was about putting that collective strength to work: sharing what works and identifying concrete ideas that can be scaled and replicated.   #BNPPMobility

What will define the next decade of mobility? ◉ 𝗘𝗹𝗲𝗰𝘁𝗿𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻. 𝗗𝗮𝘁𝗮. 𝗔𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗶𝗹𝗶𝘁𝘆. 𝗚𝗹𝗼𝗯𝗮𝗹 𝗰𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗶𝗼𝗻. ↘︎ Several structural shifts are reshaping the market at the same time. At BNP Paribas Personal Finance, mobility is a strategic pillar of our growth, driving us to anticipate these transformations and continuously adapt to a changing market. The results show how far we have come: ⦿ €47bn+ in average mobility outstanding loans ⦿ +60% in business volume between 2021 and 2026, from €12bn to €19bn ⦿ 4M+ vehicles financed worldwide with our partners ⦿ 44% of our outstanding portfolio now represented by mobility. This momentum is further strengthened by BNP Paribas Mobility, a model built around one conviction: increasingly complex mobility needs require an ecosystem approach. ↻ By combining complementary expertise across the Group, we can offer partners a comprehensive range of solutions tailored to their specific needs, supporting our ambition to become the leading mobility finance player in Europe. Understanding today's shifts matters. 𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗵𝗼𝘄 𝘁𝗵𝗲𝘆 𝘄𝗶𝗹𝗹 𝘀𝗵𝗮𝗽𝗲 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄'𝘀 𝗺𝗼𝗯𝗶𝗹𝗶𝘁𝘆 𝗲𝗰𝗼𝘀𝘆𝘀𝘁𝗲𝗺 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝗲𝘃𝗲𝗻 𝗺𝗼𝗿𝗲! In our latest Expert Insight, Vincent Sussfeld, Deputy CEO of BNP Paribas Personal Finance, shares 4 questions every mobility leader should be asking. ↓ Explore the carousel and join the conversation.

🫢 𝗠𝗼𝘁𝗼𝗿𝗶𝘀𝘁𝘀 𝗺𝗮𝘆 𝗽𝗿𝗲𝗳𝗲𝗿 𝗹𝗼𝗰𝗮𝗹 𝗯𝗿𝗮𝗻𝗱𝘀. 𝗕𝘂𝘁 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲𝘆 𝘂𝗹𝘁𝗶𝗺𝗮𝘁𝗲𝗹𝘆 𝗯𝘂𝘆 𝘁𝗲𝗹𝗹𝘀 𝗮 𝗺𝗼𝗿𝗲 𝗻𝘂𝗮𝗻𝗰𝗲𝗱 𝘀𝘁𝗼𝗿𝘆. The latest edition of the international automotive study from Observatoire Cetelem, based on responses from 15,770 people across 13 countries, explores the tension between national identity and economic reality in today’s automotive market. 4️⃣ findings stand out: 🚗 𝘼𝙪𝙩𝙤𝙢𝙤𝙩𝙞𝙫𝙚 𝙧𝙚𝙢𝙖𝙞𝙣𝙨 𝙖 𝙨𝙩𝙧𝙖𝙩𝙚𝙜𝙞𝙘 𝙞𝙣𝙙𝙪𝙨𝙩𝙧𝙮. Nearly 1 in 4 respondents believe the automotive industry best embodies a country’s economic power. Even as the market changes, cars remain closely tied to how people perceive their country’s industrial strength. 🌍 𝙇𝙤𝙘𝙖𝙡 𝙞𝙙𝙚𝙣𝙩𝙞𝙩𝙮 𝙨𝙩𝙞𝙡𝙡 𝙝𝙖𝙨 𝙫𝙖𝙡𝙪𝙚. 76% would accept paying more for a brand from their country or region. Most would be willing to pay up to 5% more, showing that local identity still matters, but only within a clear price limit. 💰 𝙏𝙝𝙚𝙣 𝙥𝙧𝙞𝙘𝙚 𝙚𝙣𝙩𝙚𝙧𝙨 𝙩𝙝𝙚 𝙚𝙦𝙪𝙖𝙩𝙞𝙤𝙣. 62% have already rejected a brand because it was too expensive, and nearly 6 in 10 motorists would choose a cheaper foreign vehicle over a more expensive domestic equivalent. ⚡ 𝙈𝙚𝙖𝙣𝙬𝙝𝙞𝙡𝙚, 𝙩𝙝𝙚 𝙥𝙪𝙧𝙘𝙝𝙖𝙨𝙚 𝙟𝙤𝙪𝙧𝙣𝙚𝙮 𝙞𝙨 𝙗𝙚𝙞𝙣𝙜 𝙧𝙚𝙬𝙧𝙞𝙩𝙩𝙚𝙣. 52% of prospective buyers intend to choose an electric or hybrid vehicle. And 38% of motorists have already used AI to research, compare or select a car brand. For automotive brands and their partners, origin remains a point of differentiation, but it cannot be the sole driver of purchase. Consumers are looking for the right balance between identity, affordability, innovation and proximity. ➭ 𝗦𝗼, 𝘄𝗵𝗮𝘁 𝘄𝗶𝗹𝗹 𝘂𝗹𝘁𝗶𝗺𝗮𝘁𝗲𝗹𝘆 𝘄𝗶𝗻 𝘁𝗵𝗲 𝗻𝗲𝘅𝘁 𝗯𝘂𝘆𝗶𝗻𝗴 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻: 𝗯𝗿𝗮𝗻𝗱 𝗵𝗲𝗿𝗶𝘁𝗮𝗴𝗲, 𝘁𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝘆 𝗼𝗿 𝗽𝗿𝗶𝗰𝗲? 👉 Discover the full study in the comments. Study conducted with Harris Interactive – a Toluna company and C-Ways.

Et si la simplicité était une véritable force ? ➜ Simplifier l'existant. Fluidifier les processus. Optimiser les pratiques. C'est la vision portée par Eric Laquet, nouveau Directeur des Opérations chez BNP Paribas Personal Finance en France. Son ambition : faire mieux, plus vite, tout en gardant ce qui compte vraiment au cœur de l'action, nos clients et nos collaborateurs. Pour lui, simplifier ne consiste pas seulement à gagner en efficacité. C'est créer les conditions pour servir au mieux nos clients et permettre aux équipes d'exprimer pleinement leur potentiel. 🧗 Dans l'escalade comme dans son métier, même exigence : garder le cap, faire confiance au collectif et avancer avec humilité et détermination. ✦ Découvrez Éric en 3 questions !

📈 €200 billion spent online in a single year… and e-commerce is still growing! In 2025, France reached a new milestone, with online sales rising by 7% and setting another record! From services to second-hand goods, consumers are not just buying more online, their habits are evolving too. The numbers speak for themselves: ✔️ More than 42 million e-shoppers in France ✔️ Around 6 purchases per month ✔️ More than €4 600 spent per shopper each year And one trend stands out: second-hand shopping. 40% of online shoppers bought a second-hand product in 2025 and Vinted is now the #2 e-commerce site in France, just behind Amazon. ♻️ With 158 000 e-commerce sites operating in France, online retail continues to expand and reshape the way consumers buy. 👉 Is e-commerce simply growing, or is it fundamentally changing the way we consume? Our economic expert Flavien Neuvy shares his insights!