The document summarizes BNP Paribas' retail strategy presentation from March 2008. It discusses BNP Paribas' focus on organic growth in retail banking and specialized financial services (SFS) through customer centricity. It compares their value creation strategies in mature versus emerging markets, with emerging markets expected to contribute 45% of revenue pool growth between 2005-2015. BNP Paribas aims to drive growth organically by leveraging distribution channels, cross-selling, customer satisfaction and partnerships.