BNP Paribas is a French multinational bank and financial services company with global headquarters in Paris. Its specialized financial services include consumer credit and mortgages (BNP Paribas Personal Finance), financial and operating leases (BNP Paribas Lease Group), as well as corporate vehicle management services (Arval). BNP Paribas has four domestic retail banking markets in Europe, namely Belgium, France, Italy and Luxembourg. It serves approximately 16 million clients in approximately 6,000 branches throughout the world.