BNP Paribas is a leading bank in Europe with an international reach. It is present in 74 countries, with more than 192,000 employees, including more than 146,000 in Europe. The group has key positions in domestic markets and international financial services (whose retail-banking networks and financial services are covered by retail banking and services) and corporate and institutional banking, which serves two client franchises – corporate clients and institutional investors. The group helps clients (individuals, community associations, entrepreneurs, SMEs, corporations and institutional clients) to realize their projects through solutions spanning financing, investment, savings and protection insurance.