BNP Paribas is a leading bank in Europe with an international reach. It has a presence in 65 countries, with more than 190,000 employees, including more than 145,000 in Europe. 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, the Group has four domestic markets (Belgium, France, Italy and Luxembourg) and BNP Paribas Personal Finance is the European leader in consumer lending.