A Key Challenge in Supporting a Just Transition
…to foster more responsible, sustainable and inclusive consumption.
Conversation — A Coffee with Gilles Zeitoun
Vidéo — Entretien
Around a coffee, Gilles Zeitoun shared his vision of sustainability. Between concrete achievements at BNP Paribas Personal Finance in 2025, ongoing challenges and future ambitions, dive into an inspiring pause.
Director and Chief Executive Officer of BNP Paribas Personal Finance
Promoting Access to More Responsible, Sustainable and Inclusive Consumption
BNP Paribas Personal Finance, the European leader in consumer credit, is a responsible company that integrates sustainable development into the heart of its business model. We are at the service of our customers and partners, to promote access to more responsible, sustainable and inclusive consumption.
We are convinced that consumption is central to the major challenges of ecological and social transition. We all have the ability to preserve natural resources and reduce our carbon footprint through our consumption choices.
BNP Paribas Personal Finance — Key Figures
25 million
clients trust BNP Paribas Personal Finance
21 countries
presence across Europe
16 000
employees — end of 2025
€107 billion
outstanding loans — end of 2025
€5.2 billion
Net Banking Income — end of 2025
€968 million
Pre-tax Net Income — end of 2025
BNP Paribas Personal Finance, a Responsible Company
A 100% subsidiary of the BNP Paribas Group, we are a major player in consumer credit in Europe. To link economic performance and societal commitment, we are particularly active in the key areas of transition.
Home Energy Transition
Offering our customers access to more sustainable and affordable housing solutions by developing these solutions with partners who share our convictions.
Sustainable Mobility
Developing financial solutions to facilitate access to low-emission vehicles through partnerships with manufacturers and distributors.
Financial Inclusion
Understanding the people we are currently failing to serve and launching « inclusive offers » to open up access to our financial services to a wider range of customers.
In all the areas in which we operate, we seek to increase the lifespan of goods and optimise their use while limiting their negative environmental and social impact.
Our Main Locations
Présent dans 21 pays, BNP Paribas Personal Finance opère à travers trois modèles d'activité complémentaires.
B2B + B2C — Modèle mixte
- France
- Italy
- Spain
- Portugal
- Belgium
- Germany
- Romania
- United Kingdom
B2B — Partenariats
- Austria
- Netherlands
- Poland
- Czech Republic
- Slovakia
- Hungary
- Bulgaria
B2C — Direct au consommateur
- Sweden
- Norway
- Denmark
- Finland
- Switzerland
Our Labels & Certifications
Overview of sustainability labels and awards obtained by BNP Paribas Personal Finance across its European operations.
Top Employer & Good Places to Work
Italy, Portugal, Romania & United Kingdom
Label Responsible Digital Practices
Belgium, Germany, Italy, Romania, Spain & United Kingdom
WELL Building Standard
Spain
ISO 50001 — Energy Management System
Portugal
Label « Responsible Supplier Relations and Procurement Practices »
France
Environmental Management System
Portugal & United Kingdom
Happy Index Trainees · Top Diversity Company
France & Spain
GEEIS — Gender Equality & Diversity for European & International Standards
Italy & United Kingdom
BREEAM — Environmental Assessment Method
Germany, Portugal & Spain
LEED — Leadership in Energy and Environmental Design
Italy & Romania