Our businesses

Arval has been an expert in fleet management since 1989. The leasing company provides tailor-made mobility solutions for large international corporations, SMEs, and independent professionals, ensuring optimal employee mobility while relieving customers of concerns and risks. Arval is a part of and co-initiator of the Element-Arval Global Alliance, the market leader in fleet management with 4.5 million vehicles in 55 countries.

In the Netherlands, Arval manages 106,000 vehicles, including 34,000 fully electric cars. Its team of 500 employees is dedicated to supporting customers with efficient fleet management and sustainable mobility solutions. More than 15,000 business clients use Arval’s mobility platform. Additionally, over 2,700 bicycles are now in operation through Arval Bike Lease, and more than 20,000 private customers rely on Arval’s private lease services. With the addition of the JustGo car-sharing concept and the Justlease private lease label in 2023, Arval further strengthened its position as one of the leading mobility providers in the Netherlands.

In 2024, Arval received the Platinum rating from EcoVadis, the highest recognition in the field of Corporate Social Responsibility (CSR), placing Arval among the top 1% of best-rated companies.

BNP Paribas Personal Finance is the European number one in financing for individuals through consumer credit and mortgage businesses. It has a presence in 33 countries and offers a comprehensive range of credit, savings, and insurance products that are transparent and easy to understand. BNP Paribas Personal Finance also uses its expertise in financial services and understanding clients and consumers to help its partners grow over time.

Within the Netherlands, BNP Paribas Personal Finance offers consumer credit since 2017, credit in the automotive sector since 2019 and up until 2012 it extended mortgages for around 50,000 consumers in the Netherlands.

BNP Paribas Securities Services, a wholly owned subsidiary of the BNP Paribas Group, is a leading global custodian and securities services provider. Backed by the strength of the BNP Paribas Group, it provides multi-asset post-trade and asset servicing solutions for buy and sell-side market participants, corporates and issuers. With a global reach covering 90+ markets, their network is one of the most extensive in the industry, enabling clients to maximize their investment opportunities worldwide.

BNP Paribas Cardif is a recognized specialist in personal insurance. It serves 100 million customers in 34 countries and has a strong position in three regions – Europe, Asia and Latin America. BNP Paribas Cardif is also the market leader in payment protection. As a subsidiary of BNP Paribas, BNP Paribas Cardif has a unique business model anchored in partnerships. BNP Paribas Cardif co-creates solutions with nearly 500 partner distributors in various industries (banks and financial institutions, automotive companies, retailers, telecommunications companies, energy companies, financial advisors and brokers) who then sell to their customers.

In the Netherlands, BNP Paribas Cardif has been the specialist for mortgage insurance and payment protection for 25 years. In the 1990s, it was the first insurer in the Netherlands to offer income protection. By now, many Dutch households are well insured with BNP Paribas Cardif, with innovation remaining an important value. In 2017 it introduced the ‘Hypotheek Aflos Verzekering’, the first disability insurance that pays off the top of the mortgage.

As a European leader in asset financing, BNP Paribas Leasing Solutions supports the growth of her customers and industrial partners by offering rental solutions and financing coupled with services for their professional equipment. At the heart of the consumer economy, BNP Paribas Leasing Solutions offers companies the flexibility they need to secure their competitiveness and to enable sustainable growth.

3,600 specialists support customers and partners in their growth by offering a highly digitalized experience. In 2019, BNP Paribas Leasing Solutions financed 346,000 projects for a total amount of 14.1 billion Euros across 20 countries in Europe, as well as China, the United States of America and Canada.

BNP Paribas Real Estate, one of the leading international real estate providers, offers its clients a comprehensive range of services that span the entire real estate lifecycle: Property Development, Transaction, Consulting, Valuation, Property Management and Investment Management. With 5,000 employees, BNP Paribas Real Estate as a one stop shop company, supports owners, leaseholders, investors and communities thanks to its local expertise across 30 countries (through its facilities and its Alliance network) in Europe, the Middle-East and Asia. BNP Paribas Real Estate is a as part of the BNP Paribas Group, a global leader in financial services.

BNP Paribas Asset Management is the asset management branch of BNP Paribas, one of the world’s foremost financial institutions, and offers high-value sustainable solutions to individual savers, companies, and institutional investors, in order to provide them with long-term sustainable investment returns. It has a broad range of skills in four investment divisions: Equities, Fixed Income, Private Debt & Real Assets, and Multi-Asset, Quantitative and Solutions (MAQS). Sustainability is at the heart of BNP Paribas Asset Management’s strategy and investment decision-making process, making an active contribution to energy transition, environmental protection and the promotion of equality and inclusive growth.

With a market-share of 8.5% and servicing 20,000 clients from 15 locations, BNP Paribas Factor is the European market leader in factoring and Working Capital Solutions. BNP Paribas Factor delivers tailor-made programs that sustainably support the lifecycle of companies of all sizes. In a fast changing world, its unique offering to large corporates, medium sized companies and SME’s makes a real difference thanks to the quality of its experts and its ability to optimize and digitalize the customer experience. BNP Paribas Factor can rely on the strengths and capabilities of BNP Paribas to support companies in their international expansion.

In The Netherlands the team of experts offer solutions on receivables financing, receivables purchasing, inventory financing as well as debtor risk coverage. Supported by a large operational team located in Turnhout (Belgium), BNP Paribas Factor is able to provide both standard as well as structured solutions including off-balance and international programs. The fast-growing customer base is evidence of its successful market approach and service level.