In Spain

BNP Paribas offers through its subsidiaries a wide range of retail banking products to individual clients. Our subsidiaries dedicated to Spanish individuals are the following :

Cetelem

Cetelem is one of the Spanish leaders in consumer credit offering. It was founded in 1988 and acquired the status of a bank in 1995. Now the Bank is present throughout Spain, with 48 offices, 20 agencies and 1.370 employees. Cetelem is issuer of Carta Aurora, Visa and Mastercard. It has more than 2.500.000 clients.

For further information: Cetelem: your bank expert in credit

Other entities belonging to Cetelem's Group in Spain are:

- Effico: company specializing in the purchase and management of unpaid total exposure. Its activity is centered on the treatment of customers in arrears, offering the speedy debt recovery solutions that many companies and banks expect.

For further information: www.effico.com

UCI

UCI is operating in Spain since 1989. Its shareholders are BSCH and BNP Paribas, each with a 50% stake. UCI has over 1.000 employees, 69 offices and 15.000 points of sale in Spain where it caters to 150.000 customers.

UCI is one of the leaders in mortgage financing and one of the most active issuers in the mortgage securitisation market in Spain.

For further information: www.uci.es


Cortal Consors

Cortal Consors has over 9.000 active clients and offers to the Spanish Investors on line access to Spanish and european Stock Exchanges at very competitive tariffs as well as to more than 800 international funds

For further information: www.cortalconsors.es