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Our subsidiaries
- Portugal
Consumer finance
Banco Cetelem
Banco Cetelem is established in Portugal since 1993 and operates within three different markets.
Commerce. Banco Cetelem has established partnership with more than 6500 stores throughout Continental Portugal , Madeira and Azoresislands. Banco Cetelem provides online credit approval for stores customers, mainly in House Appliances Stores and Superstores, Super and Hypermarkets.
Automobile. Banco Cetelem provides credit solutions to more than 600 Dealers for both new and used cars sales.
Direct Sales. Banco Cetelem offers a wide range of financial solutions to private customers (Personal loans, credit cards) through Internet or Telephone.
With more than 300 employees in Lisbonand Oporto, Banco Cetelem manages 350 000 active customers for a total of more than EUR 500 millions of outstanding loans.
www.cetelem.pt
Banco Cetelem is established in Portugal since 1993 and operates within three different markets.
Commerce. Banco Cetelem has established partnership with more than 6500 stores throughout Continental Portugal , Madeira and Azoresislands. Banco Cetelem provides online credit approval for stores customers, mainly in House Appliances Stores and Superstores, Super and Hypermarkets.
Automobile. Banco Cetelem provides credit solutions to more than 600 Dealers for both new and used cars sales.
Direct Sales. Banco Cetelem offers a wide range of financial solutions to private customers (Personal loans, credit cards) through Internet or Telephone.
With more than 300 employees in Lisbonand Oporto, Banco Cetelem manages 350 000 active customers for a total of more than EUR 500 millions of outstanding loans.
www.cetelem.pt
Credit recovery
Effico
Credit recovery through commercial partnerships with clients, Effico provides experience, competence and technical means in order to manage collection of overdue credits.
www.effico.com
Credit recovery through commercial partnerships with clients, Effico provides experience, competence and technical means in order to manage collection of overdue credits.
www.effico.com
Factoring services
BNP Factor
BNP Factor was established in Portugal in 1987 by decision of its main shareholder, Banque Nationale de Paris, one of the largest European Banks. It was the third factoring company to operate on the Portuguese market and the first one to join Factors Chain International (FCI). FCI co-ordinates the common action of 90 factoring companies developing their activities all over the world and co-operating each other as a global network.
BNP Factor developed its own IT system, adapted to the local market and capable to provide its clients with efficient, clear and rapid on-line information related with their needs. This system also allows complying with all credit control requirements. BNP Factor has been innovator on default risk assumption, and is in the top of the list of Portuguese factoring companies.
The factoring consists in the sale by a company (adherent) of its commercial credit portfolio to a factoring company (BNP Factor) which deals with the collection and payment of this portfolio, assuming thus the risk of default of the debtors, and eventually finances the corresponding credits.
Factoring operations can be made with or without recourse vis-à-vis the selling company (adherent).
www.bnpfactor.pt
BNP Factor was established in Portugal in 1987 by decision of its main shareholder, Banque Nationale de Paris, one of the largest European Banks. It was the third factoring company to operate on the Portuguese market and the first one to join Factors Chain International (FCI). FCI co-ordinates the common action of 90 factoring companies developing their activities all over the world and co-operating each other as a global network.
BNP Factor developed its own IT system, adapted to the local market and capable to provide its clients with efficient, clear and rapid on-line information related with their needs. This system also allows complying with all credit control requirements. BNP Factor has been innovator on default risk assumption, and is in the top of the list of Portuguese factoring companies.
The factoring consists in the sale by a company (adherent) of its commercial credit portfolio to a factoring company (BNP Factor) which deals with the collection and payment of this portfolio, assuming thus the risk of default of the debtors, and eventually finances the corresponding credits.
Factoring operations can be made with or without recourse vis-à-vis the selling company (adherent).
www.bnpfactor.pt
Financial and operating leases
BNP Paribas Lease Group
Established in Lisbon as a Branch in the beginning of 2002, we develop our activity based on European and Local Partnership Agreement, BNP Paribas clients and direct clients.
We finance equipment, particularly agricultural, handling and construction, transport and industrial machinery but also IT, medical and others. We finance all the activity sectors including private persons and professionals.
www.leasegroup.bnpparibas.com
Established in Lisbon as a Branch in the beginning of 2002, we develop our activity based on European and Local Partnership Agreement, BNP Paribas clients and direct clients.
We finance equipment, particularly agricultural, handling and construction, transport and industrial machinery but also IT, medical and others. We finance all the activity sectors including private persons and professionals.
www.leasegroup.bnpparibas.com
Insurance
Cardif
Created in 1998, Cardif Portugal sells its products through partnership agreements with banks and other credit offering institutions and is specialized in Creditor Protection Insurance and Individual Protection, with a high focus on telemarketing activity as a result of our Know-How in Telemarketing operations around the world and in the Portuguese market.
www.cardif.com
Created in 1998, Cardif Portugal sells its products through partnership agreements with banks and other credit offering institutions and is specialized in Creditor Protection Insurance and Individual Protection, with a high focus on telemarketing activity as a result of our Know-How in Telemarketing operations around the world and in the Portuguese market.
www.cardif.com
Property Financing
UCI - União de Créditos Imobiliários (UCB)
UCI was established in Portugal in 1999. Following the BNP Paribas's philosophy, i.e., the sale of property loans to the individuals through the professional intermediates of the sector, UCI Portugal offers a range of innovative products to comply with the specific needs of its clients.
The commercial approach, creativity, quality and orientation towards clients are the values that allow us to be the leaders in this sector.
www.uci.pt
UCI was established in Portugal in 1999. Following the BNP Paribas's philosophy, i.e., the sale of property loans to the individuals through the professional intermediates of the sector, UCI Portugal offers a range of innovative products to comply with the specific needs of its clients.
The commercial approach, creativity, quality and orientation towards clients are the values that allow us to be the leaders in this sector.
www.uci.pt
Vehicle management services
Arval
With more than 700,000 vehicles managed and 1,300,000 fuel cards in circulation, Arval is one of the market leader (in Europe) in vehicle management services for corporates. Our leading edge out competitors is our ability to define tailored services fitted to the specific needs of our "corporate" clients.
Arval is the international role model providing flexible vehicle mobility solutions amongst the multi-brand operators (i.e. that are independent of manufacturers), being present in 39 different countries in total.
Arval in Portugal positions itself as an organisation purposefully built around each customer, managing to bring together local market knowledge with the resources and expertise provided by BNP Paribas. Besides, our strategy is based on proximity thereby avoiding the impersonality of large corporations. Our aim is to be aknowledged as an international reference. As such, we strive to maintain a customized approach providing solutions which are tailor made to fit the size and corporate culture of our clients.
www.arval.pt
With more than 700,000 vehicles managed and 1,300,000 fuel cards in circulation, Arval is one of the market leader (in Europe) in vehicle management services for corporates. Our leading edge out competitors is our ability to define tailored services fitted to the specific needs of our "corporate" clients.
Arval is the international role model providing flexible vehicle mobility solutions amongst the multi-brand operators (i.e. that are independent of manufacturers), being present in 39 different countries in total.
Arval in Portugal positions itself as an organisation purposefully built around each customer, managing to bring together local market knowledge with the resources and expertise provided by BNP Paribas. Besides, our strategy is based on proximity thereby avoiding the impersonality of large corporations. Our aim is to be aknowledged as an international reference. As such, we strive to maintain a customized approach providing solutions which are tailor made to fit the size and corporate culture of our clients.
www.arval.pt
Real Estate Investment / Ségécé
Ségécé, a subsidiary of Klépierre, is one of Europe's leading companies in shopping centre management.
Precursor to commercial urbanism in France, it has over 50 years experience in promoting and managing shopping centres.
Present in Portugal for over 6 years, the deep knowledge of the sector enables Ségécé to offer solutions adapted to meet the requirements of a dynamic and competitive market.
With a total of 78 shopping centres, we are a reliable reference in the commercial real estate sector. We work for Shopping Centre promotion, management and entertainment, creating added value for Customers, Retailers and Investors.
Precursor to commercial urbanism in France, it has over 50 years experience in promoting and managing shopping centres.
Present in Portugal for over 6 years, the deep knowledge of the sector enables Ségécé to offer solutions adapted to meet the requirements of a dynamic and competitive market.
With a total of 78 shopping centres, we are a reliable reference in the commercial real estate sector. We work for Shopping Centre promotion, management and entertainment, creating added value for Customers, Retailers and Investors.