BNP Paribas is Europe's premier global banking and financial services institution, ranked as one of the top four banks in the world by Standard & Poor's. With a presence in more than 85 countries, the Group has a strong presence in corporate and investment banking, asset management and services, and retail banking. BNP Paribas has a large international network covering 83 countries, including seven major financial centres. BNP Paribas has a real capacity for financial innovation and is experienced in new technologies and sales channels. Through the continuous development and expansion of commercial and financial business lines, BNP Paribas is in an unparalleled position to serve corporate and private clients, particularly in the areas of asset management, consumer credit, leasing and real estate.