ESG Report

presenting non-financial

information of BNP Paribas Bank Polska

S.A. and BNP Paribas Bank Polska S.A.

Capital Group for the year 2021

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   ESG Report 2021

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Table of contents





 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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   ESG Report 2021

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 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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   ESG Report 2021



Letter from the Chairman of

the Supervisory Board







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                    

     



              



                 





              



              



                



                   







                   



                 











              







             





             



               



    





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   ESG Report 2021

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





                

             

     



                





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Lucyna Staczak-Wuczyska

Chairman of the Supervisory Board BNP Paribas Bank Polska S.A.

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   ESG Report 2021

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Letter from the CEO

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





                

             



















         





            





              



             











                 

            



               





             





             

              













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   ESG Report 2021

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               















                

               





       







Przemek Gdaski

CEO

BNP Paribas Bank Polska S.A.



   ESG Report 2021

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I. About the Bank

1.1 BNP Paribas Bank Polska S.A.



            





                





                 

             

   

















BNP Paribas Bank Polska S.A.

operates through the following

operating segments:

      

      

      



 

      



        



 

         



 





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

 





 



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                 

Business perspective



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   ESG Report 2021

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History of the Bank



       













1.2BNP Paribas Bank Polska S.A. Capital Group





             



* BGZ Poland ABS1 DAC („SPV”) - An SPV company with which the Bank performed a

securitization of a part of the loan portfolio. The Group has no equity contribution in this entity. The

company is controlled by Bank BNP Paribas S.A. due to the fulfilment of the control conditions only

within the understanding of IFRS 10



               

              















Structure of the Capital

Group

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   ESG Report 2021

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2021 AT BNP PARIBAS BANK POLSKA S.A. CAPITAL GROUP IN NUMBERS

 4 million



790 thousand







 PLN 3.9 billion







 16 thousand





911 thousand







100%





514





427



8,809





9,035







8,504



8,667







 5,000





174















2 million







   ESG Report 2021



The global BNP Paribas Group

Key shareholder of the Bank is leading international banking group BNP Paribas



 

           



            





              









 

 

 

 

 

 

               Business

perspective.

1.3Business and value creation model



   



 





 





 

          



              





THE BNP PARIBAS GROUP IN NUMBERS



over 193 thousand



148 thousand





   ESG Report 2021



      

            

            



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Foundations of the activity of BNP Paribas Bank Polska S.A. Group



Completeness of the offer



       







Availability of the offer



               



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   ESG Report 2021

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Responsible risk management



               

                 



Customer support in sustainable transformation

            



               



Key resources Effects

or stakeholders

Financial

capital

     

 

     

   



    

    



     

      



Human and

intellectual

capital

    

    





      

      



Operational

capital

     

     

    



      

    



Social capital

      

     





      

       

    



Environmental

capital

     

     



    

      

    

     





   ESG Report 2021



1.4Financial results









               



Statement of profit or loss

in PLN’000 12 months ended

31.12.2021

12 months ended

31.12.2020

change y/y

PLN’000 %

    

    

    

    

    

    

    

    





   





   

    

    

    

    

    

    

    



      

     



   





   



      

     



   

* Integration costs: 2021: N/A, in 2020: positive amount of PLN 15.3 million (positive amount of PLN 10.3 million in operating costs and positive

amount of PLN 5.0 million in other operating expenses)Note: As the figures have been rounded up, the totals in the tables and charts of this

Report may not add up



   ESG Report 2021



Structure of net income on banking activity in PLN million



The ‘Other’ category includes the result on investment activities, result on hedge accounting, dividends income and other

operating income and expenses



Net income on banking activity by segments











PLN

4,809

million

PLN

4,705

million











   ESG Report 2021



1.5Stakeholders and relations with environment











STAKEHOLDERS GROUP MAIN FORMS OF ENGAGEMENT SELECTED EXAMPLES OF

ENGAGEMENTS IN 2021

Individual and institutional

customers 











 



 





 





 



 



 

 







 





 





 



 

 



Our people

 



 

 

 





 



 



 

 



 



 



CloserBliej)



Magda goes liveCoffee with

KazikKawa z Kazikiem

Companies within BNP

Paribas Bank Polska S.A.

Capital Group

 





 





 







   ESG Report 2021



Entities within BNP

Paribas Group in Poland

and abroad

 





 

Market environment

















 



 





 







 







 

Supervisory authorities







 



 





Capital market









 



 



 

Local communities



















 







 





 



 



 

 





 



 

 

 

Environment







 







 





 



 



 

 

 



 



 

 



 



 





   ESG Report 2021



Key partnerships







                 

           



Selected partnerships of BNP Paribas Bank

Polska S.A.

from the perspective of sustainability and social

commitment

 



 



 



 







 



 



 

 

 

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          Business perspective, Environment

perspectiveSocial perspective , 





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   ESG Report 2021

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1.6 Awards and distinctions

                

                



          

                





January 2021

 





 



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 



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February 2021

 





 







March 2021

 







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 











 



 







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





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 











 





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   ESG Report 2021

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May 2021

 







 









June 2021

 







 







 





 







 







 









 







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July 2021

 







August 2021











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   ESG Report 2021





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September 2021

 



 





October 2021

 





 





 









 





November 2021

 











 









December 2021

 



 









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   ESG Report 2021

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II. Management foundations

2.1Management structure of BNP Paribas Bank Polska S.A.

Management Board





                 











                







                





Composition of the Bank’s Management Board as at 31.12.2021 and division of functional responsibilities of particular Board

members

Name

Office held in the

Management Board of the

Bank

Supervised areas

Przemysaw Gdaski



       











Jean-Charles Aranda











André Boulanger









Przemysaw Furlepa















Wojciech Kembowski











   ESG Report 2021



Name

Office held in the

Management Board of the

Bank

Supervised areas







Kazimierz abno









Magdalena Nowicka















Volodymyr Radin















Agnieszka Wolska























*From 8 March to 31 August 2021 André Boulanger oversaw the SME and Corporate Banking Area - until Agnieszka Wolska

took over.



 



               



              





 







Supervisory Board











   ESG Report 2021



               



                    

               



Composition of the Supervisory Board as at 31.12.2021 and 31.12.2020 with information on the independence of members

Office held in the Supervisory Board  Composition of the Supervisory Board

as at 31.12.2021

Composition of the Supervisory Board

as at 31.12.2020







independent member





 

 

 

 

independent member

 



independent member



independent member

 



independent member





 

 

 

 

 



independent member



independent member

 

 

 

 

 

 

 



independent member



independent member









               

        

           

                



 



 



                  









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



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   ESG Report 2021

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Supervisory Board Committees

             

             

             

          

               





Composition of the Supervisory Board and Supervisory Board Committees as at 31.12.2021

Name

Audit Committee Risk Committee

Renumeration

Committee

Nomination

Committee

Lucyna Staczak-Wuczyska

   

Jean-Paul Sabet

   

Francois Benaroya

   

Jarosaw Bauc

   

Magorzata Chruciak

   

Géraldine Conti

   

Mariusz Warych

   

2.2Corporate governance

                







                

             

                  



The BNP Paribas WayThe

BNP Paribas Group Code of Conduct.

Responsibility

in the Workplace





2.3Strategy of BNP Paribas Bank Polska S.A.





              





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   ESG Report 2021

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



 

            



              

             





             





 

            





 



            

           



 



                 



 



 



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Implementation of the strategy in 2021









               





               





                 







                 



















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   ESG Report 2021

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



            





                







Other actions within the strategy are described in the table below









GROWTH

















       



 

 

 

        



      



 

       

       

       

       

      



      



         

    



       



        

       

      



 

         

     

      

    

       



 



        



     



 

      



 



   ESG Report 2021



SIMPLICITY





























       

       



         

        

      



      

      



      



        



 

         



QUALITY



























  

       

      

       



             

    



          

      



         



        



        

       





         



     



        



 



        



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   ESG Report 2021

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ENTHUSIASM





















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 







         



 

 

      



         



        





 

          



       



        



       

  



        

       

        



          



 

       



        

      



         

       



        

      



DIGITALISATION

































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 

 

     



        



       

        



       



         

  

       



         



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   ESG Report 2021

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2.4Contribution to the implementation of the Sustainable Development

Goals



             



                





              



The responsibility of the BNP

Paribas Group includes:

 





 



 

 



 

 



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SGD

nitiatives SGD Initiatives



 

 











 



 





 







 

 

 

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



















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   ESG Report 2021

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SGD

nitiatives SGD Initiatives

 



 



 



 































 



 





 





 



 











 







 









 





 







 



 



 



Diversity Management Policy at

BNP Paribas Bank Polska S.A.

 











 

 

















 



 

 





 





















 









Social

Responsibility

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   ESG Report 2021

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SGD

nitiatives SGD Initiatives

 



 



 







 



 



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 

 

 



 



















 

 

 

 



 



 



 

 

 

 





 

 

 

 

 

 







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   ESG Report 2021

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2.5Growth perspectives for the Bank’s Group

Factors that may affect the results and operations of the Bank's Capital Group



                



 







                



           

        

              

           



         





             

                

             

              









             



           



                    



          

            









                 



 



                  





   

                 



               







             











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   ESG Report 2021

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

 



                





               

             









         

     



             

            





 



              

                

     

              

            





   



 







          



               

              



              





 











            

          



 





                









               



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   ESG Report 2021

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    



                





             

                







         







 

                







 

              











              





              



 





              









               





               

               









Growth perspectives for the Bank’s Group





   







                

                

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   ESG Report 2021

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





                

                



                













              

  

            

                

                 



               

                  











               







        

               

              

                





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   ESG Report 2021

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Overview of ESG regulations

ESG aspects as a tool for sustainable finance

            

           

               



           





Corporate Sustainability Reporting Directive (CSRD)

          

               





              

               

             



European Commission guidelines on the disclosure of climate-related information

            



            



            



Sustainable Finance Disclosure Regulation (SFDR)



            



            



 

 



UE Taxonomy ordinance





  



   ESG Report 2021



Chronological overview of ESG regulations

























































Climate-related

disclosures







 



 





 







































Circular

Economy

Action Plan















































































 



































   ESG Report 2021





2.6Management of ESG issues



             



 

             





               



 

 





                





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

            

           



 





            



 

               



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Climate-Related Financial Disclosures (TCFD recommendations)



ESG ReportAbout the Report

1. Management

 



 



 



 





 



 





   ESG Report 2021





2. Strategy

 



 



 





 



3. Risks

 



 





 







4. Goals and results

 



 

 



 

 



                

Environmental perspective 

           



TCFD 2020 Report of the BNP Paribas Group

2.7Risk management

Risk management system







            





 

               



 

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   ESG Report 2021

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

 



 



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                 





                



 







                



        

               



Risk Management Strategy at BNP Paribas Bank Polska S.A.       







           

           

          

           



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Risk identification processes







 

 

 

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

      





 

                  



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



              





 

 

 

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   ESG Report 2021

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

 

 

 

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ESG risk management

Monitoring and management of ESG risks –

environmental, social and governance – in the activities of the Bank and its Customers





 

 

 

 





            









             

              

   

            ESG risk

management rules at BNP Paribas Bank Polska S.A.

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                 





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Environmental factors

 

 

 

 

 

 

 

 

 

 

       



 



         

        

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   ESG Report 2021

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



         



           



Social factors

 

 

 

 

 

 

 

 

 

 

 

 

          



 

 



Governance factors

 

        

      



 

 

 

 

 

 

 

 

 

 



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

Environmental perspective 



            



              

                  

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   ESG Report 2021

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

              



Business Perspective

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                

  

                



               





Environmental perspective







2.8Compliance with laws and regulations





         





 

             



               







              



              

            



2.9Ethics

Ethics in internal and external relations

Code of ethics

BNP Paribas

Code of Conduct



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   ESG Report 2021

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

In accordance with the Code, employees

must comply with the laws and regulation

regarding, in particular

 

 

 

 

 

 

 



 

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Code of Conduct 







Business perspective







               Due diligence

policies and procedures

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Mechanisms for reporting irregularities





              





              

















 



 

 

            



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   ESG Report 2021

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

Initiatives for industry responsibility

       Responsible selling of products and services and self-

regulation in this respect

                





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Declaration of Responsible Sales

          





                  

             



                



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Key assumptions and initiatives within the project

Simplicity

 

 

Honesty

 

 

 

Sensitivity

 

 

Customer’s voice

 

 

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Cooperation with the Banking Ethics Committee of the Polish Bank Association

                



“Ethics in finance” competition

                  

              







“Not-irresponsible” conference



                 

                 





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   ESG Report 2021

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

2.10 Human rights

Anti-discrimination and respect for human rights

Respect for human rights in business







                 



BNP Paribas Declaration on Human Rights



BNP Paribas Group Code of Conduct



        BNP Paribas Agreement on Fundamental Rights and Global

Social Solutions     ILO Global Business and Disability Network Charter  

             

  



               



 UN Sustainable Development Agenda

 The 10 UN Global Compact Principles

 UN Guidelines on Business and Human Rights

 OECD Guidelines for Internationally recognised Business Enterprises

 Internationally recognised human rights standards as defined by the International Bill of Human Rights

 Core labour standards defined by the International Labor Organisation

 BNP Paribas Group Code of Conduct

 BNP Paribas Human Rights Declaration

 CSR Declaration for BNP Paribas Suppliers

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





  

                

              

             





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           

              

                





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             



             Anti-Mobbing Policy





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   ESG Report 2021

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

    Principles for dealing with reports of harassment and sexual harassment in

professional relations



Treatment of harassment notifications

Diversity Management Policy

                



           



Due diligence policies and procedures

2.11Corruption prevention



Anti-Corruption Policy





               



The Bank's anti-corruption

system is based on

 



 



 

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            

            

              







           

           

            



             

Anti-Corruption Policy



Due diligence policies and procedures





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



            



             



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   ESG Report 2021

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

                 

             

          



2.12 Sustainable supply chain



CSR Declaration

          CSR Declaration  



      



   CSR Declaration         







             



















99.75%





1,144







89%



























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   ESG Report 2021

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

2.13 Due diligence policies and procedures





Employee issues



 

 

 



 

 

 

 

 



 





 

 

 

 

 

 



 





 

 

 



 



 



 



Social issues



 

 

 



 

 

 

 

Environmental

issues



 

 

 



 

 



   ESG Report 2021

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

Human rights issues



 

 

 

 



 

 

 



Corruption

prevention



 

 

 

 



 

 

 

 

 

 





Management



 

 

 

 

 

 

 



 



 

 

 

 

 

 



Customers



 

 



 



   ESG Report 2021





III. Business perspective

3.1Sustainable finance and responsible market practices

Responsible sales of products and services and self-regulation in this

area, Offering products and services that respond to social and/or environmental challenges

              



               



Commitments of the Bank with regard to economic

responsibility – one of the four major areas of our CSR

and Sustainability Strategy



 Investment and financing with a positive

impact

 Ethics of the highest standard

 Systematic integration and management of

ESG (environmental, social and governance)

risks





               



UN Sustainable Development Goals supported by the Bank under economic responsibility



   

Goal 8.

Decent work and

economic growth

Goal 9.

Industry, innovation

and infrastructure

Goal 11.

Sustainable cities and

communities

Goal 16.

Peace, justice and

strong institutions

Goal 17.

Partnerships for the goals













 

            



 



            



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   ESG Report 2021

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





             



               



ESG criteria in Customer assessments









   

    

   

 

 

 

 

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

               

                















              















             







                 

               





Coal energy sector

   



             



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   ESG Report 2021

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

       



 

               



                





 

Mining sector







Policy







              



o 

o         



o 

 

o 

o 



Defence and security sector

        Policy      

Policy

           





Forest sector - wood pulp

                

                

                  

             







Forest sector - palm oil

              

  

       



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Nuclear energy sector

                

           

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   ESG Report 2021

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



CSR Policies





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Agri-food sector





                



                

              

https://group.bnpparibas/en/financing-investment-policies

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







 







                 





 

 

 



 

 

 

 

 

            











Fuel sector - unconventional oil and gas

                  







 



 

                



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   ESG Report 2021

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

In addition, the Bank adheres to the following Policies of the BNP Paribas Group:

               

             



                



3.2Products and services with a positive impact

Offering innovative banking services and products. Offering products and

services responding to (social and/or) environmental challenges



                





SEGMENT

Products with a positive

social impact

Products with a positive

environmental impact

Products connected with the

entity's ESG

assessment/performance

Retail Customers

 





 

 



 

 

 



 





 





Food & Agro

Customers





 









 







 





 







Small enterprises

and associations /

housing

communities

 



 







 



 



 





   ESG Report 2021





Corporate

Customers

 









 





 

 



 



 



 

 



 



 



 



 





              the Environmental perspective

















Individual Customers

Little Mr/Ms Independent Account and “Mission: Independence”









misjasamodzielnosc.pl





              Social

Responsibility

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           

.

Information about “Mission: Independence" can be found at: 

Offer for citizens of Ukraine



1 800







 30 tys.









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   ESG Report 2021

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









 

 

 

 

 

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

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Wealth Management Customers

Investments based on ESG criteria



               













               





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Food & Agro Customers

Loan for financing new and used agricultural equipment

               



Preferential loans



                

                

                



Small enterprises and associations

Non-Profit Business Account

               







 

 

 

 

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   ESG Report 2021

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



 

 

 

 

 

 

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Offer for social economy enterprises





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Corporate and SME Customers

New products and services for Corporate and SME Customers

Special offer for new SME

Customers

       



 



       

      





            



       



Loan secured against changes to

the base interest rate

           

       



            

         



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            

    



                 



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   ESG Report 2021

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

The Bank strengthens its efforts to exert a positive social impact. Therefore, in 2021, we granted financing to the Social and

Economic Investment Company (TISE), which finances and refinances loans of social economy entities.

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                



                 









Sustainability Linked Loan (SLL)



  

      



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              

                



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





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We support the development of the Scanmed Group

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





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



 





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We support the development of Polpharma

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

                





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   ESG Report 2021

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

3.3Partnership initiatives supporting the development of our Customers





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

               



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Polish Development Fund (PFR) Shield for SMEs









Free conferences and webinars for entrepreneurs

TOPIC

Energy transformation of

companies

         



           



Broadened perspective on

cybersecurity

        





Broadened financial perspective

         



           





Expansion to foreign markets

through e-commerce



         



         







         

         





Cooperation with international Customers

               





   ESG Report 2021





Family Business Initiative

                 

               





3.4Initiatives supporting the development of the Food & Agro sector







              



Agronomist

                

              











             

               





 





               





 



 

o 



o 









"Local flavours" campaign







         



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   ESG Report 2021

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

Educational and information initiatives





    



Series of educational video podcasts about the European Green Deal

             

          









                  







E-learning about financial stability



 



              





Food & Agro Conference

               









Competition for the best BA/MA thesis on the Agro sector



             



                  



            

             



.

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   ESG Report 2021

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

Partnerships for sustainability in the agri-food sector









             Environmental

perspective

3.5Supporting innovation

              



 

 

 



              





  



           

 



               



.

Office Hours – meetings with startups



            

                



                  







Startups with a positive impact in 2021

Cooperation with the nuDelta startup





              

             



         

                 



Initiatives promoting innovation

The Positive Impact Ecosystem

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   ESG Report 2021

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

            

  



                 

            



Warsaw Booster 2021





            





               







FinTech postgraduate studies

    

               









3.6Customer support during the COVID-19 pandemic

The impact of the Covid-19 pandemic on the functioning and results of

the Bank



               











Work organisation activities (protecting employees and customers)

            







                    

              

              





              



 

              



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   ESG Report 2021

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

              



 

      



           



 



                 



          





 

            

                

                



                





 









             

              

               



                



 

               



            

 









Measures supporting customers and digitalisation

 

            



                  





             



             





            



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   ESG Report 2021

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

 









                



                 





 









              







3.7Transparency and dialogue with Customers

Simple and transparent communication

Plain language











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               



                 





     



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Customer relations







Listening to our Customers





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 150









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   ESG Report 2021

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

How do we listen to our

Customers?

 



           



           



             



 

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



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







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







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







                 



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





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





         

               



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                

             

   





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    



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   ESG Report 2021

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

Challenge Solution

Cancelling an individual

Customer’s credit card

 



The process of confirming and

updating personal data

   



 

        



 

o end-to-end

o         



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             

             





            











               

              







 

 

 

 

 







Responding to Customer needs



              



 



 

              



 





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   ESG Report 2021

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

 

             



     



 



 



                

       

               

              

























             



            







 



                





               



                 





                 



Customer Ombudsman



     

              



             



   



              



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   ESG Report 2021

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

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Complaint management

      

            



             







              





             



 



                  

              





Handling and processing complaints





Filing complaints:

 

 

 

 

 

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               



3,300







28%



80%







13%











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   ESG Report 2021

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

GObetter benefits:

 



           



 



 





          



           







                













15%





Customer privacy protection



               



Safe online banking

 

 

 



Safe user

          



Safe card

         



           



Safe phone

           



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.

3.8Availability of products and services

      Increasing the availability of products, services and Bank branches.

Digitalisation of banking services and products

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   ESG Report 2021

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

Distribution channels



                

               





Branches

                









              

                  



             



                  

















ATM and cash deposit network



 



              







E-banking and mobile banking

              

             









                  



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   ESG Report 2021

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

KEY CHANGES IN SYSTEMS AND OFFERS FOR RETAIL CUSTOMERS IN 2021

Patnoci

 



 







Usuga mojeID

 

 





 



Kredyty i karty

 



 



 









 





 

Inwestycje

 



 

 





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Polish Development

Fund

 



 



 

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   ESG Report 2021

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

Client’s data / Client

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 

 



 





 



 





 



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Accounts & Savings

 











 





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







             

            



Data on retail customers

Specification system name

31.12.2021 31.12.2020

   





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  





  





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  





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  





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  

KEY CHANGES IN SYSTEMS AND OFFERS FOR CORPORATE CUSTOMERS IN 2021

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   ESG Report 2021

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

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

 



                   



 



         

                 



           



 

         



                  

                



 

              



 











Data on corporate and SME clients

Specification System name

31.12.2021 31.12.2020

   

   

   



Bank cards











                 



 





              

       





   ESG Report 2021





Number of banking cards issued by the Bank

in PLN’000 31.12.2021 31.12.2020

change y/y

PLN’000 %

    

    

    

    

    

    



Cooperation with intermediaries





 



 





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Amenities for people with special needs



Amenities



              



         



           



 





            

         



 



 

 





          







             



 



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   ESG Report 2021

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







Amenities for the deaf and hard of hearing

















                

.







Amenities for the blind and visually impaired

              







       



Branches available to customers with reduced mobility



             

               





               



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Senior-friendly branches











 

   



 

 



   ESG Report 2021





Partnerships for availability



              





Accessibility Plus









Integration

Foundation











Accessible ATM















The National

Institute of Silver

Economy









Migam „RKPK” Sp

z o.o. S.K.A.









Deaf Respect

Foundation





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   ESG Report 2021

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

3.9Best Practices of BNP Paribas Group Companies in Poland





             





BNP Paribas Lease Group sp. z o.o.







Commitment in the business

area

 



         



           









       



Commitment in the employee

area

         

        



         



 

       

       

      





         





         

        

 



 

         



Commitment in the social area

            



        





 

 

 

 





   ESG Report 2021





Commitment in the

environmental area

      



          



  



         



 

 

 

 



BNP Paribas Securities Services sp. k. Branch in Poland

                

            

            

 



Commitment in the employee

area

           





         

   

        

        

          



 

          

      

        

        



Commitment in the social area

 

           



 







   

       

      



        



           

          

         









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   ESG Report 2021

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

Commitment in the

environmental area

 

         

        



         

          



 

        

           

          





         



          



          

        



          

          









BNP Real Estate Poland sp. z o. o.

Commitment in the employee

area

 



 

Commitment in the social area

 

 

        

   



          



Commitment in the

environmental area

 

        

        



        







   ESG Report 2021





BNP Paribas Faktoring sp. z o. o.

Commitment in the employee

area

 



o 

o       



 

o         



o 



o 

Commitment in the social area

 

        



         

          



 

 

o        

         



o 



o      



o 

Commitment in the

environmental area

 

        



          



  





BNP Paribas Cardif in Poland





Commitment in the employee

area

 

 

 



 



        



 



Commitment in the social area

          



           

       



            

        





   ESG Report 2021





Commitment in the

environmental area

 





 





Arval Service Lease Polska sp. z o. o.

          





Commitment in the business

area

 







 



         





        



 

         



Commitment in the employee

area

 

 

           



 



 

         

       



 



Commitment in the social area

 

           

          

          



Commitment in the

environmental area

 

 







 

           





   ESG Report 2021







IV. Environmental perspective

4.1Managing environmental responsibility

      Offering products and services which respond to social and

environmental challenges. Limiting the negative impact of operations on the environment. Limiting loan portfolio

emissions. The Bank’s strategic commitments and their fulfilment in terms of counteracting climate change.

           





Commitments of the Bank with regard to

environmental responsibility – one of the four

major areas of our CSR and Sustainability Strategy

 Enabling our Customers to transition to a low-

carbon economy respectful of the environment

 Reducing the environmental impact of our

operations

 Advancing awareness and sharing of best

environmental practices





 

 

 

 

 



      









Management Foundations , ESG Risk Management



UN Sustainable Development Golas supported by the Bank under environmental responsibility



  

Goal 6.

Clean water and sanitation

Goal 7.

Affordable and Clean energy

Goal 12.

Responsible consumption

and production

Goal 13.

Climate action



   ESG Report 2021







Goal 14.

Life below water

Goal 14.

Life on land

Goal 17.

Partnerships for the goals





           

              





           



 

 





 

 

 

 



Climate risk management













Key climate-related risks

wich affect the development

of products and services

faced by Customers

         

        



 



 



 

         

          



         





 

        





   ESG Report 2021





Risks for the Bank



      

       



 



        







 



 

          





Key climate-related

opportunities wich affect the

development of products and

services faced by Customers

        





        

       



 



         



 



Opportunities for the Bank



 

 





 







 

          





 For the purposes of the present analysis, BNP Paribas Bank Polska S.A. has assumed that the short-term perspective is 1 year,

the medium-term perspective is 1 – 5 years, while the long-term perspective is over 5 years.

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

               



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   ESG Report 2021

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

              

               





           



            Management Foundations

ESG Risk Management 

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              



               



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







                



             

               



                



4.2Green products, services and funding programmes











SUSTAINABLE FINANCING IN 2021 BY MAIN CATEGORIES (VALUE OF LOANS GRANTED)

Value of financing that supported the Sustainable Development Goals

(social and environmental goals)

PLN 3.9 billion

Value of green financing, including: PLN 3.8 billion (+ 284% YoY)

 production of energy from renewable sources

PLN 662 million

 ecological construction (BREEAM, LEED, thermal insulation of

buildings)

PLN 1,492 million

 ecological transport

PLN 57 million



   ESG Report 2021





SUSTAINABLE FINANCING PROVIDED BY THE BANK IN 2019-2021

 Value of financing that supported the Sustainable

Development Goals (social and environmental goals)

 PLN 6.1 billion









              

               









              

               





 





over 16 thousand





EU 25 million





over 5,000





PLN 242 million



86,000 tonnes of CO



















188,000 tonnes of CO



















   ESG Report 2021





SEGMENT PRODUCTOFFER

Individual Customers

 

 

 

 

 

Food & Agro sector Customers

 



 



 

 



Housing communities

 

 

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Corporate Customers

 

 

 

 

 

 

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

Business Perspective 

            



Corporate Customers

Sustainability Linked Loan (SLL)









              

            

           



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                  









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   ESG Report 2021

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

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Renewable energy investments

Qair



    











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R.Power







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





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My Electric programme





             







Lease financing





















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Individual Customers

Subsidised loan within the Clean Air programme

              



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









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   ESG Report 2021

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









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Green Mortgage





               





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Long-term lease of devices financed instalment loan

                 



                









                   

                

                 





PolREFF programme



                



 

 

 



 

              





Housing communities

ELENA (European Local Energy Assistance)





 

 

 



 

 

o 

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   ESG Report 2021

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

o 

o 

o 

o 

 

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      



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





PF4EE (Private Finance for Energy Efficiency)

               



  





4.3Organization's environmental impact

Reducing the negative impact of operating activities on the environment

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



 

 

 

 

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Energy efficiency and emissions management





 

o 

o 

o 

 

 



 

   









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   ESG Report 2021

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

100%





27%



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

Energy consumption (own production or purchased) at BNP Paribas Bank Polska S.A. in 2021

Energy Type

2020 2021

MWh GJ MWh GJ

    

    

    





   

    



Energy consumption (own production or purchased) in the BNP Paribas Bank Polska S.A. Capital Group in 2021

Energy Type

2020 2021

MWh GJ MWh GJ

    

    

    





   

    



Fuel consumption in BNP Paribas Bank Polska S.A. Capital Group in 2021

Fuel type

2020 2021

consumption [GJ] consumption [GJ]

    

 

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  

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 

    

    

    





 Fuel consumption by the Bank and BNP Paribas Bank Polska SA Capital Group is identical because the subsidiaries' business activity

is conducted in premises owned by BNP Paribas Bank Polska SA. (with the exception of Campus Leszno Sp. z o.o.).

 Consumption data are obtained from invoices from suppliers of individual utilities. Where source data are not available, they are

estimated based on analogous locations where source data are available.

 The Bank has adopted reporting deadlines consistent with those applied by the BNP Paribas Group. Data showing energy

consumption and emissions cover the period from 1 November to 31 October of a given year.

 Conversion of fuel consumption into energy expressed in GJ was conducted with the employment of heating values published in the

KOBIZE document “Heating Values and CO2 Emission Factors in 2016” for reporting under the Emissions Trading Scheme for 2020

and the analogous document for reporting emissions for 2021.



Greenhouse gas emissions at BNP Paribas Bank Polska S.A. in 2021

GHG emission source emissions [TONNES CO2E] GHG emission source

2021 VS 2020 [%]

  



   

   

   

   



   ESG Report 2021





   

   

   

   

   

 

   

   

   

   

   









Greenhouse gas emissions in the BNP Paribas Bank Polska S.A. Capital Group in 2021

GHG emission source emissions [TONNES CO2E] GHG emission source

2021 VS 2020 [%]

  



   

   

   

   

  



   

   

   

   



   

   

   

   

   





Method of presenting indicators::

 The Bank has adopted reporting periods consistent with those applied by the BNP Paribas Group. Data showing energy consumption,

emissions and business trips cover the period from 1 November to 31 October of a given year.

 Conversion of fuel consumption into energy expressed in GJ was conducted with the employment of heating values published in the

KOBIZE document "Heating Values and CO2 Emission Factors in 2016" for reporting under the Emission Trading Scheme for 2020

and the analogous document for reporting emissions for 2021.

 Data regarding business trips are obtained from the internal records of the Bank.

 Emissions calculations were prepared in accordance with the following standards: The Greenhouse Gas Protocol A Corporate

Accounting and Reporting Standard Revised Edition, GHG Protocol Scope 2 Guidance, and Corporate Value Chain (Scope 3)

Accounting and Reporting Standard.

 The greenhouse gases identified and included in the calculations were CO

, CH

and N

O, which were expressed as CO

equivalents.

No biogenic CO

emissions were identified.

 The reference point for reduction targets is the 2019 emissions, which was the first year when the new approach to calculating GHG

emissions was used.

 The sources of emission factors were publications of KOBIZE (National Balancing and Emission Management Centre), the Energy

Regulatory Office and the DEFRA (Department for Environment, Food and Rural Affairs, UK Government) database.

 The 'refrigerants' category includes R410A and R32 in 2020 and R410A and R422D in 2021 as reported to the CRO (Central Register

of Operators) and converted according to GWP (Global Warming Potential).

 As a criterion for the consolidation of emission volumes for the Capital Group, a financial control criterion was adopted, which means

that 100% of the company's emissions were attributed to the Group (excluding emissions from the combustion of fuels by the fleet and

business trips in subsidiaries).

 Emissions caused by electricity production were calculated using the market-based method. For the energy mix, an average indicator

for Poland was used due to the lack of information about individual energy suppliers at particular locations; for energy from renewable

sources with guarantees of origin, an indicator of 0 kg CO2E/kWh was used.

 Emissions from fleet fuel combustion and business travel in subsidiaries are included for the first time in 2021, Inclusion does not

materially affect the result.



   ESG Report 2021





Responsible resource consumption





            



47,260

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

9%













The Bank's initiatives to reduce

the consumption of energy and

natural resources (water, gas)

 

 



 



 



 



 







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 





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

The Bank’s initiatives to reduce

plastic consumption

 

 



 





 

 





 



 



 

 





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







                

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   ESG Report 2021

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





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The Bank's initiatives to reduce

paper consumption

 





 



 



 

 



 



 









4.4Promoting eco-attitudes

Promoting eco-attitudes among employees

The Bank of Green Changes educational campaign addressed to employees and their loved ones





            



                  







 

161







83%







613 thousand







over 2.8 million







   ESG Report 2021





 

 

                

              







Electromobility initiatives

             





              



 

 

               



               



Promoting eco-attitudes among external stakeholders







 

 

 

 

 

 



“The World Needs You” campaign

 











                



                

              



             

              

              





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   ESG Report 2021

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

BNP Paribas Talks

                





        



Eco-tips for Customers





 

 



BNP Paribas Green Film Festiwal

   



         







                



Promoting environmental responsibility at conferences and industry events

            





               



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   ESG Report 2021

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

4.5Partnerships for climate



         





                 

  





                 







Chapter Zero Poland



               

                







             

           



UN Global Compact Network Poland

                   

            



             





UNEP/GRID-Warsaw





              







Eco–City



             

         





             



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   ESG Report 2021

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101

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

Cool Farm Alliance (CFA)

  







               



Partnerships continued in 2021





           







              



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









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          

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102

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V. Responsibility in the workplace

Welcoming workplace, responsible employment management

and diversity, Education and professional development, Ethics in internal and external relations



            



Responsibility in the workplace commitments of the

Bank – one of the four pillars of a CSR and

Sustainability Strategy

 Promotion of diversity in the workplace.

 Creating a welcoming workplace.

 Responsible employment management.

 Dynamic support for employees in their career

development

 Constantly learning and developing.

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

UN Sustainable Development Goals supported by the Bank within workplace responsibility

    

Goal 3.

Good health and well-

being

Goal 5.

Gender equality

Goal 8 .

Decent work and

economic growth

Goal 10.

Reduced inequalities

Goal 17.

Partership for the goals

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











               



        





 

 

 

 

 

 

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

Organisational culture

            





                    







  



Bank’s values reflected in everyday work

 Transparence

We deliver what was agreed on. We never embellish reality.

 Courage

We question the

status quo

. We pursue our goals.

 Empowerment

We share agency. We have the power.

 Simplicity

We believe that simpler is better.

 Cooperation



We know that together is better.













The motto of our campaign I CAN DO IT

I CAN DO IT 



                  











                 

           









                  





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   ESG Report 2021

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104

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

Impact of the pandemic on the employment management

Impact of Covid-19 pandemic on functioning and results of the Bank

        

               









                   





Rules for submitting complaints and applications

Ethics in internal and external relations

           

Code of Conduct of the

BNP Paribas Group 



                









The Instruction on the

Procedure for Dealing with Complaints and Applications in Employee Matters.





              



Employee relations







 

 

 



 

 

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



               



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

               



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   ESG Report 2021

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105

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

Management Foundations

       Management Foundations  Due Dilligence

Policies and Procedures





            







      



                 





Employment management in the BNP Paribas Bank Polska S.A. Capital Group

               



                

                







                 





5.1Employment structure





         



8,809



9,035



56.2%



55.7%





   ESG Report 2021



106





Employment record



Employment structure in the Group as of 31.12.2021

Employment record

Number of posts Number of active po

Number of employees Number of active

employees





   





   

    

    

    

    

    

    

    

    

    

    

    

    



Employment in the Group as of 31.12.2021 as compared to 31.12.2020 in terms of full-time contracts

Employment record (2020 vs. 2021) 31.12.2020 31.12.2021





 





 

  

  

  

  

  

  

  

  

  

  

  

  

Method of presenting indicators:

 All data on full-time contracts rounded to full units.

Job restructuring

                 

              











   ESG Report 2021



107





Full-time employment contracts (total of positions) by period of employment and gender as of 31.12.2021

Full-time employment

contracts

Capital Group

BNP Paribas Bank Polska S.A.

     

      

      

      





 

   



Full-time employment contracts (total of persons employed) by period of employment and gender as of 31.12.2021.

Employment contracts (persons) Women Men Total

   

   

   

   



Full-time employment contracts (total of positions) by gender and age as of 31.12.2021

Age (no. of

positions)

Capital Group BNP Paribas Bank Polska S.A. BNP Paribas Bank Polska S.A.

      

    





    





    





      

Full-time employment contracts (total of persons) by gender and age as of 31.12.2021

Age (persons) Women Men Total

   

   

   

   



Forms of employment other than employment contract, including contracts of cooperation (total of persons) as of 31.12.2021

Other forms of employment Capital Group BNP Paribas Bank Polska S.A. BNP Paribas Bank Polska S.A.

     

      

      

      

      





 

   

      



   ESG Report 2021



108





Employment by geographical distribution in Polish districts (total of positions) as of 31.12.2021

Employment by district

(positions)

Capital Group BNP Paribas Bank Polska S.A. BNP Paribas Bank Polska S.A.

     

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

      

Employment by geographical distribution in Polish districts (total of persons) as of 31.12.2021

Employment by district (persons) Women Men Total

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   



 All data on full-time contracts rounded to full units.

 Head Offices comprise all employees of support departments, Labour Unions and Brokerage Office

 Branches comprise all employees of sales network, including Retail and Business Banking Regions, Corporate & SME Banking Sales

Network Unit, Consumer Finance Unit and Mobile Advisors



Employment turnover in the Group and Bank in 2021 (total of persons):

1,283



1,236





   ESG Report 2021



109





Turnover indicator in the Bank in 2021

Turnover Women Men Total

   

   

   



Method of presenting indicators:

 Leavers in the Bank in 2021 comprises both persons who chose to leave and who were made redundant.

 To calculate the turnover indicator in the Bank, following data was used:

 Numerator: all person who left the Bank between 31.12.2020 and 30.12.2021, excluding technical positions

 Denominator: all persons employed in the Bank as of 31.12.2021, excluding technical positions and inactive persons.



5.2Diversity in the workplace

Welcoming workplace, responsible employment management

and diversity

                 

The Policy of Adequacy Assessment of the Supervisory

Board Members, Management Board Members and Other Key Persons of the BNP Paribas Bank Polska S.A. 

The Diversity Management Policy of the BNP Paribas Bank Polska S.A.      

               



Diversity management policy





                

           

              

          

           



1,703



1,637





20%



19%





   ESG Report 2021



110







 Diversity Charter          



 BNP Paribas Agreement on Basic Rights and Global Social Solutions and the ILO Global

Business and Disability Network Charter        





            











              







Selected initiatives of

the Bank promoting

diversity



 









 

Daddy, you can bank on it BNP

Paribas Pride Poland

 Bank Close to Close OnesTwo Hours

for Family 

Parental Week



 

Health Week

Two Hours

for Health 

 









Cashless for equalities





 







See the difference, do not discriminate

 



Mam to, Dam to 



 





50/50 – a win-win for everyone. The role of the

employer in encouraging men to take parental leave



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   ESG Report 2021

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111

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

 Zero tolerance for discrimination and mobbing







 











Policies and procedures regulating diversity management at the Bank can be found in the Chapter Management

Foundations, subchapter Due Dilligence Policies and Procedures.

Diversity policy and supervisory, managing and administrative organs











            



The Policy of Adequacy Assessment of the Supervisory Board Members, Management Board

Members and Other Key Persons of the BNP Paribas Bank Polska S.A    

              





                  







Diversity in the Bank



Employment structure in the Group and the Bank in 2021 by gender (total of active employees).



Capital Group BNP Paribas Bank Polska S.A. BNP Paribas Bank Polska S.A.



 

   

      

      

      

      









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   ESG Report 2021

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112

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

      

Employment structure in the Group and the Bank in 2021 by gender (percentage of active employees)



Capital Group BNP Paribas Bank Polska S.A. BNP Paribas Bank Polska S.A.





     

      

      

      

      

Employment structure in the Group and the Bank in 2021 by age (total of active employees)

Capital Group BNP Paribas Bank Polska S.A. BNP Paribas Bank Polska S.A.





  

    

        

        

        

        

        

Employment structure in the Group and the Bank in 2021 by age (percentage of active employees)

Capital Group BNP Paribas Bank Polska S.A. BNP Paribas Bank Polska S.A.





  

    





  

   



       



       



       



Method of presenting indicators:

   comprises MRT (Material Risk Taker): persons with material influence on the risk profile of the Bank excluding the

Management Board.

  includes all other supervisors.

 The percentage relates to the number of active employees of the Bank or the Group.

Supervisory Board Structure in the Group and the Bank by gender in 2021

Capital Group BNP Paribas Bank Polska S.A. BNP Paribas Bank Polska S.A.

     

     

     



Supervisory Board Structure in the Group and the Bank by age

Capital Group BNP Paribas Bank Polska S.A. BNP Paribas Bank Polska S.A.

       



   ESG Report 2021



113





       

      



Composition of supervisory bodies of the Bank in 2021 by seniority

Seniority (in years) <5 5-10 10-15 15-20 20-25 >25 Total

       

       

       



Inclusion strategy for persons with disabilities



              







Different Abilities, Common Goal

  People with Experience            

               











                  

                 





Nice to see you

            The World Needs You 



Number of employees with disabilities (legally certified) in 2021 in the Group and the Bank by gender as of 31.12.2021

Capital Group BNP Paribas Polska S.A. BNP Paribas Bank Polska S.A.

    

      

  

    

Initiatives to strengthen the role of women

Women changing BNP Paribas

                   

            Women Up 

Training and Development

Women Changing BNP Paribas





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   ESG Report 2021

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114

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







        



         





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Parenting support

               



Daddy, you can bank on it







GRI 401-3

Parental leaves in the Bank in 2021

Women Men Total

   

   

Method of presenting indicators:

 The data comprises maternity, paternity and parental leaves.

5.3Communication with employees

Simple & transparent communication







                 

    Code of Conduct of the BNP Paribas Group Fast Forward Bank Strategy  Internal

Communication Strategy

Priorities in communicating

with employees

 

 

 



 

 

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   ESG Report 2021

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115

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

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

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 

 

 

 

 

 

 

 

 

 

 

 

 



 

 



 





 

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Employee satisfaction survey

           











               







5.4Remuneration and benefits

               



Corporate Collective Labour

Agreement  BNP Paribas Bank Polska S.A. Remuneration Regulations







              

          

           







Basic salary of the lowest-level employees in the Bank in relation to the minimum wage

Minimum wage in Poland Ratio of the lowest-level wage to minimum wage:

  

  



Minimum wage in Poland Average lowest-level wage

  



   ESG Report 2021



116







 

 





Gender Pay Gap



 







                











Benefit offer



 

                 









 7,400





3,160



4,705

Two Hours for

Family 

1,200



WELL

3,500



PLN 3,998







343



761







   ESG Report 2021



117







Benefit offer for Bank employees



Pillar: security

 

 

 

 

 

Pillar: health

 

 

 





 



 



Pillar: work-life

balance



 

 

 

 

 

 





Pillar: welcoming

work environment

 WELL

 

 

 

 

 

 

 

5.5Training and development

Education and development of employees



             

                



250



14,715





 170,000





 145,000





   ESG Report 2021



118















             

           







Trainings at the Bank in 2021





Nice to see you



 



 



 

 

              



             





           



 

 

 

 



727



18,154







24.32







7,518









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   ESG Report 2021

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119

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



 

            



 



               



             



 



 

 

 

             

          



 

              

        





             

                

             





 





 





Average number of training hours per employee at the Bank in 2021 by gender and structure of employment



Bank BNP Paribas Bank Polska S.A.

   

Board

  

Managers

  

Others

  

Total   

Method of presenting indicators:

 The calculation includes e-learning, module trainings, external and internal trainings.

 The number of trainings hours in this calculation is rounded to two decimal places.

 The "Managers" category includes key managers - MRT (Material Risk Taker) - people who have a significant influence on the Bank's risk

profile, excluding the Bank's Management Board and all other managers.



   ESG Report 2021



120







Traineeship programs



 







            

    

         

         





 

           

         

           

           

          



5.6Occupational Health and Safety









                 





                



               

    





                

               







 





 

               









 

 

 

 

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121

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







                







Number of workplace accidents at the Bank in 2021

Accidents by gender

   

   

   

   



Method of presenting indicators::

 The accident frequency indicator is calculated as ratio of accidents to the number of employees. It is calculated following the formula: w

= (number of accidents / total of employees)*1000

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VI. Social responsibility

Charity & Philanthropy

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               





Our commitments within the area of social

responsibility - one of the four cornerstones of our

CSR and Sustainability Strategy

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 Wider access to products and services

 Counteracting social exclusion and supporting

human rights

 Philanthropy focused on the arts, social solidarity

and the natural environment

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



 

 

 



      

                 



UN Sustainable Development Goals supported by the Bank within social responsibility

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   

Goal 1.

No poverty

Goal 2.

Zero hunger

Goal 4.

Quality education

Goal 10.

Reduced inequalities

Goal 17.

Partnerships for the

goals

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

     









 

 





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   ESG Report 2021

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123

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

 



                



 



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

3,797





24,767









2,610



Noble Gift





4,000





1,157









71,952

Good Kilometres





260



I support all year long

 PLN1.2 million







PLN 250,000



I support all year long



32,809













   ESG Report 2021



124





6.1Volunteering and Social Commitment

Charity & philanthropy

You can count on me

              

              

             



                









              











Team volunteering

 

 

Competences volunteering

 

 

Individual volunteering

 

Social campaigns

 

 

 

Individual philanthropy acts

 





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   ESG Report 2021







Competition for Social Projects

 

      



            





Noble Gift









                 



               





  







9









223







5,500







1,784





> PLN 200,000





133





145







2,610



> PLN 4.1 m









   ESG Report 2021







BAKCYL – Bankers for the Financial Education of Youth

              

                

               



               











Mission Education

                

           





PLN 1.000





PLN 1 m





123





155



almost 1,500





over 33,000







   ESG Report 2021

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



Mission Education 2021

 





 



 





 





 

(Mr. and Mrs. Independent go about their budget)



 

SUPERSHEROES: family

choicesSUPERSHEROES in the classroom

 

SUPERSHEROES

A Little Princess

          





               

            

    

              







Good Kilometres





              









160







1,600

SUPERSHEROES in the classroom





4,200







32,000

SUPERSHEROES in

the classroom



   ESG Report 2021







Individual Philanthropy Program –

I support all year long



                 

                





             

              

             



6.2Initiatives for local communities



The Bank’s Local Ambassadors

              





             

























71,952





PLN 25,000





444





7,574







100







4,000











134





   ESG Report 2021







The Local Grants Program

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                

            



 

 

 

 

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6.3The BNP Paribas Foundation

Chairty & philanthropy



            

            

             



               









 





13,000





134,000









PLN 300,000



> PLN 2 million







820







   ESG Report 2021







15 YEARS OF THE BNP PARIBAS FOUNDATION: KEY FIGURES

839





113











5,000









PLN 1 million 





100,000







> 1,300





313,000









269



PLN 250,000

I support all

year long



> 2,000









33,000









EDUCATION

 





 





   ESG Report 2021







INITIATIVES COORDINATED BY THE BNP PARIBAS FOUNDATION IN 2021



External Initiatives

 

 

 

o

















 



 



 



o 

Initiatives involving Bank’s employees

 

 I support all year long

 

 

 

o 

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The Foundation’s educational initiatives

Class Scholarship Program



                 



                





           



SOCIAL SOLIDARITY

 



 



CULTURE

 



 

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   ESG Report 2021

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

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Agro-talents

Agro-talents is a comprehensive program for the development of young talents – a system of scholarships for

ambitious youth who see their future in agriculture. Established in 2012, it is the result of cooperation between BNP

Paribas Foundation and educational institutions and experts in agriculture. The system supports local

communities and enhances what agricultural schools have to offer.

What is Agro-talents:

 







             

     







         

        



               



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The Foundation’s social solidarity initiatives

Knowledge to the power

              

                

               



                 

    







> PLN 25.5 million





839









113











   ESG Report 2021

















Dream Up

                

               











          



      





Initiatives towards access to culture and art

Cooperation with the Warsaw Philharmonic



                  

      





6.4Donations and sponsorship initiatives

Financial donations



              

              













5,000





1,212



208,147





   ESG Report 2021











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FINANCIAL DONATIONS TO NGO’S IN 2021

BNP Paribas Foundation PLN 2,738 thousand

Noble Gift strategic partnership PLN 1,600 thousand

Local Grants Program Beneficiaries PLN 300 thousand

Organisations supporting education PLN 410 thousand

Organisations supporting social integration and culture PLN 350 thousand

Organisations supporting health and environment protection PLN 374 thousand

Trade unions PLN 77 thousand

Sponsorship initiatives



  



                



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 PLN 9.7 million

















   ESG Report 2021







SPONSORSHIP INITIATIVES IN 2021

Film events PLN 2,273 thousand

Tennis events PLN 2,979 thousand

Other PLN 4,485 thousand

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





                  







Film events





               



             



o Open to the world

o The world needs 

o Woman & camera         



 











 

 

 



              

            

                



 

              





               



Ladies Night

Ladies Night 

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   ESG Report 2021

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

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Tennis events





 





 



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 





 







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Cultural and economic events

               





 





          Renewable energy in Poland

and worldwideDigitalization and DigitizationThe European Green DealGlobal economic cooperation

– far-off markets and their potential The job market Cybersecurity versus technology dependency

Financial market and economy Leadership 5.0 – key competences of future female leaders Food

export, the pandemic and the eco-challenge

   



      Green Finances and investments – A financial system for

sustainable developmentDoughnut economics – how to think about economics in the 21

century

 





               



    



               



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   ESG Report 2021

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

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VII. Reporting standards

7.1Scope of reporting

  

              

          







                

           



             



            



 

 



            



 

 

 

 

 

                 

                  





 

 

 

 

 

 

 



 



               













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   ESG Report 2021

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

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         



                  







 



 



 



              







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                



7.2The reporting process







                





                

        





Identification

              

               





Prioritisation





             





Validation





                   

             



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   ESG Report 2021

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

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Material topics for the Bank's non-financial reporting for 2021





         

                          



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   ESG Report 2021

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





             





Topic

UN Sustainable Development Goals

Page

numbers









































































































































   ESG Report 2021







Topic

UN Sustainable Development Goals

Page

numbers











































7.3Non-financial information table

In accordance with the requirements of the Accounting Act regarding non-financial reporting, the Report includes the following

information:

Topic Page numbers in the Report

 

 

 









 



 



 



 



 





   ESG Report 2021







7.4GRI Content Index



* Reference to SFDR RTS - disclosure requirements for listed companies required by the SFDR (Sustainable Finance Disclosure Regulation),

** Reference to WSE ESG - Guidelines for ESG reporting prepared by the Warsaw Stock Exchange (WSE) in cooperation with the European Bank for Reconstruction and Development (EBRD)

*** Reference to UN Global Compact - The 10 principles of the United Nations Global Compact

GRI

indicator

Description Comments

Reference to

SFDR RTS *

Reference to WSE ESG **

Reference to UN

Global Compact ***

Page number in the

Report

 







      

      

     











  

      

      

      

      

      











  







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      

      

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      

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



    

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

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      

      

      



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    

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

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



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     



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   ESG Report 2021

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GRI

indicator

Description Comments

Reference to

SFDR RTS *

Reference to WSE ESG **

Reference to UN

Global Compact ***

Page number in the

Report

      

      

      







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

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





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

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      

      

      











    

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



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      

      

      

      







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      

      





      

      

      



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



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







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

  

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  



  

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

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   ESG Report 2021

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GRI

indicator

Description Comments

Reference to

SFDR RTS *

Reference to WSE ESG **

Reference to UN

Global Compact ***

Page number in the

Report









   



      

      

 

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  

      



      

      



      

  

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

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



   



      

      

      

      







    







   

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

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  

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      

      

      

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  

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



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  

      

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   ESG Report 2021

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GRI

indicator

Description Comments

Reference to

SFDR RTS *

Reference to WSE ESG **

Reference to UN

Global Compact ***

Page number in the

Report



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



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

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      

      

      







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  

      

      

      

 

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

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

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  

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

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 







    

     



      

     







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   







    

     









    









    



      

     

      

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   ESG Report 2021

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

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GRI

indicator

Description Comments

Reference to

SFDR RTS *

Reference to WSE ESG **

Reference to UN

Global Compact ***

Page number in the

Report



     







    













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  











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  





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

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  

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   ESG Report 2021

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

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7.5Reporting according to EU Taxonomy

              

               

                

               

                





             









                 



               







                









                



In accordance with Article 10(2) of Commission Delegated Regulation (EU) 2021/2178, the Bank discloses the following

quantitative indicators:

 

 

 



 



 

 



 









 

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               

                 



Contextual information in support of the quantitative indicators including the scope of assets and activities

covered by the KPIs, information on data sources and limitation







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   ESG Report 2021

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

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              



                 

     



                

             

               

               



The actions taken by the Bank were carried out in accordance with the principle of due diligence









              



              

            

        









                

              

                

               



                 







Explanations of the nature and objectives of Taxonomy-aligned economic activities and the evolution of the

Taxonomy-aligned economic activities over time, starting from the second year of implementation, distinguishing

between business-related and methodological and data-related elements





                

               

                



              

Business perspectiveEnvironmental perspective 

Description of the compliance with Regulation (EU) 2020/852 in the financial undertaking’s business strategy,

product design processes and engagement with clients and counterparties

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

              



                CSR

Policies and Principles

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   ESG Report 2021

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

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





             

 

                

 The Principles of ESG Risk Management at BNP Paribas Bank Polska S.A.   

              

                



          Management foundations   

CSR Policies, Business perspective 

Additional or complementary information in support of the financial undertaking’s strategies and the weight of the

financing of Taxonomy-aligned economic activities in their overall activity.







 



Management Foundations 

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   ESG Report 2021

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

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7.6Sustainable Finance Disclosure Regulation (SFDR)

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              

               



            









         

            



 

                





 



               



              





                



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   ESG Report 2021

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

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7.7Disclosures concerning climate-related information (TCFD

Recommendations)

Governance

Disclose the organization’s governance around climate-related risks and opportunities.

a. Describe the board’s oversight of

climate-related risks and

opportunities.

        



            









        



          

           















b. Describe management’s role in

assessing and managing climate-

related risks and opportunities.

         

           



            

          





           

          

       

       





         





          

        

        





Strategy

Disclose the actual and potential impacts of climate-related risks and opportunities on the organization’s

businesses, strategy, and financial planning where such information is material.

a. Describe the climate-related risks

and opportunities the organization

has identified over the short,

medium, and long term.





         



   

          

         



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   ESG Report 2021

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

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



          

        



             

          

           



   



          

        

         





          



          

       

          



          

            

        



      Environmental perspective   

 Climate risk management.

b. Describe the impact of climate-

related risks and opportunities on

the organization’s businesses,

strategy, and financial planning.

              

     









            

          





           

          

            







         

         





 

    











            





             





c. Describe the resilience of the

organization’s strategy, taking into

consideration different climate-

related scenarios, including a 2°C or

             



            

           



         

             

             

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   ESG Report 2021

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



lower scenario.

          





       

         







Risk Management

Disclose how the organization identifies, assesses, and manages climate-related risks.

a. Describe the organization’s

processes for identifying and

assessing climate-related risks.

            







           

            



 

 

            



 



 

 



           

            









             



            

Management foundations ESG risk management

Risk identification process.

b. Describe the organization’s

processes for managing climate-

related risks.

             

Principles of ESG Risk Management at BNP Paribas Bank Polska S.A.

             







             

            

         





           

           

            

       



    

           

           















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   ESG Report 2021

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

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



























   



          

          









           

         



            









  



             







Business Perspective

      Management foundations   

  ESG risk management   Risk management

process.

c. Describe how processes for

identifying, assessing, and

managing climated-related risks are

integrated into the organization’s

overall risk management.

     

             

         









           





         

    

    



           





Metrics and Targets

Disclose the metrics and targets used to assess and manage relevant climate-related risks and opportunities

where such information is material.

a. Disclose the metrics used by the

organization to assess climate-





            



   ESG Report 2021







related risks and opportunities in

line with its strategy and risk

management process.





           

   





            







      











      



b. Disclose Scope 1, Scope 2 and, if

appropriate, Scope 3 greenhouse

gas (GHG) emissions and the

related risks.



c. Describe the targets used by the

organization to manage climate-

related risks and opportunities and

performance against targets.









          



            

              





 





         



 



 

 









             



           



Description of the Bank's

activities carried out under the objectives of the Fast Forward Strategy and its

integral part, the CSR and Sustainability Strategy.



Method of presenting indicators:

 The Bank assumes that the short-term perspective is up to 1 year, the medium-term perspective is 1-5 years and

the long-term perspective is more than 5 years.



   ESG Report 2021







7.8External verification





   ESG Report 2021







   ESG Report 2021







7.9Contact





               



 



 



 

















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