2018

The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

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Table of contents Letter of the President of the Management Board

of Bank BGŻ BNP Paribas  3

Letter of the Chairman of the Supervisory Board of Bank BGŻ BNP Paribas  5

1.  About the Bank BGŻ BNP Paribas  71.1 AcquisitionoftheCoreBusinessofRaiffeisenBankPolskaS.A. 251.2 “FastForward”–newstrategyofBankBGŻBNPParibas 261.3 BankBGŻBNPParibashistory 281.4 CorporateSocialResponsibilityinBankBGŻBNPParibas 291.5 Organizationalgovernance 331.6 PartnershipsofBankBGŻBNPParibas 441.7 Awards 47

2.  Economic responsibility of Bank BGŻ BNP Paribas – The Bank as an innovator  502.1 Responsiblefinancing 512.2 Transparencyandopenness 592.3 Supportinclients’development 662.4 Food&Agrodevelopment 692.5 Initiativesforinnovation 73

3.  Responsibility in the workplace – The Bank as a good employer  803.1 Organisationalculture 813.2 HRManagement 843.3 Diversitymanagement 963.4 Developmentoftheorganization.Employeetraining 1003.5 EmployerBranding 103

4.  Social responsibility of Bank BGŻ BNP Paribas  – The Bank as a good neighbour  1064.1 Availabilityofproductsandservices 1084.2 Initiativesforlocalcommunities 1144.3 Volunteeringandsocialcommitment 1164.4 Helpingiscool 1194.5 Cyclicalsocialcampaigns 1224.6 Employeephilanthropy 1244.7 Strengtheningtheroleofwomen 1254.8 Counteractingsocialexclusion 1324.9 BGŻBNPParibasFoundation 1374.10 SponsorshipinitiativesofBankBGŻBNPParibas 140

5.  Environmental responsibility in Bank BGŻ BNP Paribas – The Bank as a friend of nature  1445.1 Financingofeco-investments 1455.2 Limitingthenegativeimpactofoperatingactivities 1515.3 Partnershipsininitiativesaroundclimatechange 161

6. About the Report 165

7. GRI table 169

2018

The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

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Letter of the President of the Management Board of Bank BGŻ BNP Paribas

Ladies and Gentlemen,

in  2018,  Bank  BGŻ  BNP  Paribas  presented  a  new  Fast  Forward strategy,  which  outlined  the  direction  of  the  Bank’s  development for  the  coming  years. One of  the drivers  of  the Bank’s  development is  the merger with  the  core business of Raiffeisen Bank Polska,  but while conducting ambitious business projects, we do not forget about the social dimension of our operations. The widely and comprehensively understood Corporate Social Responsibility is one of the pillars of our strategy.

We  understand  CSR  not  only  as  a  commitment  to  society  and the  natural  environment,  but  also  as  a way  to  build  our  competitive  advantage. We  believe  that  our attachment to socially important values   and concern for sustainable development, which is real and not only declared, allow us to stand out from the industry and build long-term relationships with our clients. Actions implemented by the Bank, positively affecting our surroundings, indirectly favourably translate into our market position. 

In 2018 we became the Responsible Business Leader in the “Banking, Financial and Insurance Sector” category  of  the Responsible Companies Ranking. This  is  a  great  distinction,  as  the banking  industry is  particularly  responsible  for  the  funds  entrusted  to  us  by  customers  and  for  the  success  of  their business projects. Our industry is largely based on the trust that we build, also through CSR activities. We  emphasized  the  issues  of  trust,  during  “Nienieodpowiedzialni”  (“Not  irrensponsible”)  conference, last year’s edition of which was devoted to the relationship of consumerism with finance and the ethics of product sales. The way to achieve long-term success is to ethically build long-term relationships and to be fair to our partners. This is the essence of banking, despite the fact that the image of our industry is not always definitely positive. Effective, comprehensive actions in the field of responsibility can change this image.

The key dimension of our organization’s responsibility is to support economic development in the long-term perspective, which we understand as  financing  clients  in  accordance with  ethical  principles and considering the challenges of sustainable development. Taking into account global climate challenges, the Bank constantly develops the offer of products and services supporting customers in the transition to a low-carbon economy. In 2018 we established the International Financial Institutions and Sustainable Growth Programmes Bureau, whose aim is to identify and implement programs related to energy efficiency, renewable  energy  use,  electromobility  and  environmental  protection  in  cooperation with  national  and international financial institutions.

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As  the Bank, we believe  that our  role  is  to  raise  important social  topics. We do not want  to  talk only about ourselves and our offer. That is why in 2018 we started the campaign “Why are there no women on  banknotes?”.  By  organizing  such  a  campaign,  we want  to  trigger  a  broad  discussion  on  the  role of women  in  social  and professional  life. Personally,  I  am among  the  founding members of  the Male Champions of Change Club created  last year,  the first organization  in Poland  to promote women and diversity in business.

In addition to domestic and macro-level discussions, actions are also important, including those seemingly on a small scale – such as adapting our Bank’s branches to the needs of people with disabilities. Our flagship branch,  located  in  the  former Sezam premises,  received  the prize  for  the best-suited service facility in Warsaw. We believe that the sum of minor steps and small changes will result in a large, desirable social change, which we confirmed by joining the Partnership for Accessibility within the Accessibility Plus Program.

I am glad that CSR in the social dimension grows in the DNA of our Bank, which may be confirmed by our involvement in the “Szlachetna Paczka” (“Noble Gift”) campaign. The bottom-up, spontaneous initiative has developed greatly over the years to become a strategic partnership in 2018, and our employees have broken  the record  in  the number of gifts prepared as part of employee volunteering by one company. 2  thousand of employees of Bank BGŻ BNP Paribas prepared over 100 gifts  for needy  families. This is a reason for a great pride.

We understand CSR comprehensively, also as internal activities and the Bank’s responsibility towards our employees. In this aspect, we are happy that once again we were awarded the title of Top Employer and we found ourselves among the best employers in the country. In 2019, this internal dimension of CSR will be particularly important as we face a difficult process of two banks and two organizational cultures merger. I believe that the combination of our approaches to CSR will create an even more comprehensive culture of corporate social responsibility.

I  could  only mention  part  of  our CSR activities  in  this  short  letter,  and  I  did  not  have  an  opportunity to mention a number of others, all of them very interesting and inspiring. Therefore, I cordially invite you to read the entirety of this report. 

Greetings,

Przemek Gdański

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The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

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Letter of the Chairman of the Supervisory Board of Bank BGŻ BNP Paribas

Ladies and Gentlemen,

Bank BGŻ BNP Paribas is the bank for a changing world, but in 2018 it was itself a changing bank. I have the privilege, as a person associated with our Bank for a long time, to participate in the changes occurring in it and to see them from a wider perspective. In recent years, the Bank has changed radically. And it has changed for the better.

2018  was  an  extremely  important  year  from  the  point  of  view of the history of our institution, because by announcing the new “Fast Forward” strategy we set goals and direction in which we want to move, and by the acquisition of the core business of Raiffeisen Bank Polska 

we entered the top of Polish banks. In this way, we crown the arduous process of building the Bank’s position on the Polish market, and, at the same time, we are opening another chapter in the history of our institution.

The history of the Bank dates back to 1919 and the first days of the Second Republic of Poland. The turbulent fate  of  our  country  has  not missed  our  institution,  which  over  the  last  100  years  has  taken  different legal  forms. However,  invariably Bank BGŻ, and earlier  the Polish Agricultural Bank and  the National Agricultural Bank, were associated with Poland and the Polish economy. We are now part of the global BNP Paribas group, however, the local component of our identity has not been lost and will not lose its significance, even after the rebranding process planned for this year. We will still derive the best from both the currents – global and local – combining national identity and market knowledge with the possibilities and perspective of the global financial group.

The BNP Paribas Group is one of the largest in the world. After a series of mergers, our Bank has also become one of the largest in Poland. Bigger sizes mean more responsibility. We feel responsible not only in terms of the business dimension but also in the social dimension, engaging in various CSR projects. Some of them, such as cooperation and volunteering in “Szlachetna Paczka” (“Noble Gift”), the “Dzieciaki do rakiet” (“Kids to the Rackets”) campaign or the social campaign “Why are there no women on banknotes” are visible on the national scale. However, I would not like these great activities planned with great impetus to obscure those on a smaller scale. They are equally important, both from the point of view of the Bank and  local  communities.  I  am  thinking,  for  example,  of  scholarships  for  talented  young  people  under the scholarship program “Klasa” (“Class”) organized for many years, or The Local Ambassador project, thanks to which the employees of our Bank are actively involved in activities for the immediate environment. CSR also has a business dimension for us – In 2018, we withdrew from financing the tobacco sector, and, at the same time, we offer beneficial financing for ecological projects, also in the Agro sector.

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The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

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The beginning of the year will primarily be marked by integration with Raiffeisen Bank Polska. As a result, we will build a universal, versatile Bank that will be able to successfully stand out from the industry and create  long-term  relationships  with  clients. We  believe  that  an  honest  and  comprehensive  approach to CSR is an element of building this position, because credibility in this field will help us to strengthen business relationships. I trust that in the next year’s Bank’s report, after the operational merger of the two institutions, we will be able to describe activities no less inspiring than those of 2018.

Sincerely,

Józef Wancer

2018

The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

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1. About the Bank BGŻ BNP Paribas

[GRI 102-1], [GRI 102-2], [GRI 102-3], [GRI 102-4], [GRI 102-5]

Bank BGŻ BNP Paribas S.A.isastronglocalbankwithaglobalreach.

Weoffersavingsandinvestmentproductsandawiderangeofloans,includinghousingandconsumerloans,toretailcustomers.

Weprovideproductsandservicestomicroenterprises,SMEsandcorporationsinrelationtofinancingsolutionsinthedomestic

andinternationalmarket.Wehaveawideofferforenterprisesfromtheagri-foodsector;wespecializeinfinancingagriculture,food

economyandregionalinfrastructure.Fortheclientsintheprivatebankingsegment,weofferacomprehensiverangeofproducts

in the field of protection, optimization andmultiplication of assets.Our Bank’s clients can also benefit from the investment

consultingservice.

Weprovideservicesthroughanetworkofbankbranchesandbankstandsinshoppingcentresthroughoutthecountry.Ourcredit

productsarealsoavailablethroughthepointsinpartnerstoresaswellasinselectedcardealernetworks.Theheadquarters

oftheorganizationislocatedinWarsawatKasprzaka10/16.

WEAREAUNIVERSALBANK,LEADERINTHEAGRI-FOODSEGMENT,CONSUMERSEGMENT ANDONEOFTHEMOST-FAVOUREDINTHESECTOROFLARGEANDINTERNATIONALCORPORATES. FROMMAY2011,OURBANKISLISTEDONTHEWARSAWSTOCKEXCHANGE.

OURMISSIONISTOOFFERRESPONSIBLEANDINNOVATIVEFINANCIALSOLUTIONSWHICH HELPOURCUSTOMERSCHANGETHEIRWORLDANDSUPPORTTHEPOLISHECONOMY.

WEINTENDTOBECOMEONEOFTHEFIVELARGESTBANKSINPOLAND.

.

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The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

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[GRI 102-7]

Year 2018 in Bank BGŻ BNP Paribas

3 777 563clientsofallbusinesslines

674branchesofretailandbusinessbanking

7PrivateBankingCentres

105CustomerServicePoints

44SMEBusinessCentres operating within6RegionalBranchesofSMEBanking

8CorporateBankingCentres

738ATMs,including407with a depository function

2 009 tys.over2,009thousandof issued cards

2 517 334clientswithaccesstoonlineandmobilebanking

10 854personsemployedattheBankinthefull-timeposition

2 496bankvolunteers

19 993hoursworkedaspartofvolunteering

50LocalBankAmbassadors

16 434SocialPackageLeader accounts

*asat31.12.2018r.

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The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

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Bank BGŻ BNP Paribas Group

TheCapitalGroupofBankBGŻBNPParibasS.A.includedthefollowingsubsidiariesasat31December2018:

Towarzystwo Funduszy Inwestycyjnych BGŻ BNP Paribas S.A.

TowarzystwoFunduszyInwestycyjnychBGŻBNPParibas(TFIBGŻBNPP)hasbeenoperatinginthefinancialservicessector

since1992.Previously, thecompanyoperatedonthePolishcapitalmarketasabrokeragehouse.TFIBGŻBNPPoperates

onthebasisofthepermissiongrantedbythePolishFinancialSupervisionAuthorityasregardsthecreationandmanagement

of investment funds, intermediation in the sale and redemption of units and participation titles of foreign funds.At present,

the companymanages five funds:BGŻBNPParibasFIO,BGŻSFIO,BNPParibasFIO,AvantageFIZ,BGŻBNPParibas

GlobalnejAlokacjiFIZ.TFIBGŻBNPPcooperateswiththeBankinthescopeofdistributionoffundparticipationunitsoffered

bytheCompanyonthebasisofanagreementconcludedbetweentheBank’sBrokerageOfficeandthecompany.

Raiffeisen Towarzystwo Funduszy Inwestycyjnych S.A.  (currently: Riviera Towarzystwo Funduszy Inwestycyjnych S.A.)

On2November2018,BankBGŻBNPParibasS.A.becametheCompany’sonlyshareholder,whichresultedfromtheDemerger

Plan agreed and signed by the Bank and Raiffeisen Bank Polska S.A. (RBPL) in relation to the core business of RBPL.

Atthesametime,from2November2018,theentityresponsibleforthemanagementofTFIRaiffeisenfundsistheBrokerage

OfficeofBankBGŻBNPParibasS.A.On30November2018,theMergerPlanofTowarzystwoFunduszyInwestycyjnychBGŻ

BNPParibasS.A.andRaiffeisenTowarzystwoFunduszyInwestycyjnychS.A.wasagreedandprepared.

Currently,thecompanymanagestwoRaiffeisenSFIOParasolowyFunds,withfourseparateSub-Funds:RaiffeisenAktywnego

Oszczędzania,RaiffeisenAktywnychStrategiiDłużnych,RaiffeisenGlobalnychMożliwości,RaiffeisenAktywnegoInwestowania.

RaiffeisenTFIcooperateswiththeBankinthedistributionoffundparticipationunitsofferedbytheCompanybasedonanagreement

concludedbetweentheCompanyandtheBank.

On 4 January 2019, the name of the Company was changed fromRaiffeisen Towarzystwo Funduszy Inwestycyjnych S.A.

toRivieraTowarzystwoFunduszyInwestycyjnychS.A.

BNP Paribas Leasing Services Sp. z o.o.

In2014,pursuanttoanenterprisetransferanddebtacquisitionagreementconcludedbetweenFortisLeasePolskaSp.zo.o.and

BNPParibasBankPolskaS.A.,FLPhasbeentransferredtoBNPParibasBankPolskaS.A.inexchangefortheredeemedshares

ofFLP,whichrepresented99.98%ofthesharecapitalofFLP.Thus,theFLPleasingbusinesswasincorporatedintothestructures

ofBNPParibasBankPolskaS.A.In2016,theExtraordinaryGeneralMeetingofFLPadoptedaresolutiononthecontinuation

ofactivityofthecompanyandthechangeofthenamefromFLPtoBNPParibasLeasingServicesSp.zo.o.Alongwiththedate

ofadoptingtheaboveresolution,FLPceasedtobeacompanyinliquidationandstartedpreparationstoresumeitsoperations.

OperationalactivitybeganinOctober2016.Currently,theentityhas81branches.

Inthefirsthalfof2018,theCompanywasdevelopingabusinessforbankingclientsfromthemicro-enterpriseandPersonal

Financesegments.ItalsoacquirednewproductionforlargerclientsandofferingfinancialproductsforSMEandcorporateclients

fromtheBank.

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The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

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BNP Paribas Group Service Center S.A.

In 2015, in line with the commitment of BNP Paribas S.A. to the Polish Financial SupervisionAuthority, Bank BGŻBNPP

acquired100%ofLaSerServicesPolskaS.A.sharesfromBNPParibasS.A.PersonalFinance.In2016,changesweremade

tothecompany’sstatute.ThenameofthecompanychangedtoBNPParibasGroupServiceCenterS.A.

Theareasofbusinessactivityofthecompanyinclude:

• provisionoffinancialintermediationservicestoBankBGŻBNPParibasS.A.,consistingof:

◦ grantinginformationabouttheconditionsofobtainingaloanforthoseapplyingforaloan,

◦ providingclientswithassistanceincompletingloanapplications,

◦ accepting,verifyingintermsofcorrectnessandcompletenessaswellassubmittingtotheBankdocumentsrequired

bytheBankinthecreditprocess,

◦ registeringdocumentsintheBank’ssalessystem,

◦ providingclientswithinformationoncreditdecisionstakenbytheBank,

• providingagencyservicesinthefieldofinsuranceservices,

• providingITservicesforthedevelopmentofapplicationsandbankingandfinancialsystemsforentitiesfromtheBNPParibas

Group,

• providingrentalservicestoBankBGŻBNPParibasS.A.inrelationtotheAVAYAtelecommunicationsplatform,

• świadczenieusługwzakresiewynajmuBankowiBGŻBNPParibasS.A.platformytelekomunikacyjnejAVAYA,

• comprehensivesupportforloyaltyprogramsforentitiesassociatedwiththeBank,

• providingmarketingservicesattheBank’srequestforemployeesoftheBank’spartners.

BNP Paribas Financial Services Spółka z o.o. (former Raiffeisen Financial Services Polska Sp. z o.o.)

Thecompanyhasbeenoperatingsince2001.ItbecameapartoftheBankBGŻBNPParibasS.A.CapitalGroupasaresult

ofthefinalizationoftheacquisitionofthecorebusinessofRaiffeisenBankPolskaS.A.in2018.

BNPParibasFinancialServicesSp.zo.o.providesfinancialintermediationservicesconsistinginthesaleofbankingproducts

totheBank’sclients.ThesubjectoftheCompany’sactivityisalsotheinsuranceagent’sactivityconsistinginperformingpost-

saleagencyactivitiesrelatedtogroupinsurancecontractsconcludedbytheformerRaiffeisenBankPolskaS.A.withinsurers,

in particular: verification of the correctness of accrued insurance premiums and checking the timing of premium payments

bythePolicyholderandinformingtheinsuranceagencyaboutanyirregularities.

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Financialintermediationservicesprovidedbythecompanyconsistin:

• offeringconsumerloans,creditcards,depositproducts,additionalproductsrelatedtotheBank’sclient’sactivityorothers

agreedwiththeBank,andperformingotheractualactivitiesrelatedtobankingoperations,

• servicingtheBank’sloyaltyprogram,

• reachingtheclientfromthetargetgroupindicatedbytheBankandofferingproductstowhichthecontractrelatestotheclient,

• informingtheclientaboutagivenproduct,proceduresandfinancialconditionsregardingtheBank’sproductsinareliable

way,inaccordancewiththecurrenttablesoffeesandcommissionsaswellaswithinthelimitsresultingfromtheAgreement,

• completingcurrentcustomerdocumentsrequiredbytheBankinordertoapplyfortheBank’sproduct,

• checkingdocumentsreceivedfromtheclientwithregardtoitsformalandsubstantiveappropriateness,inparticular:their

validity,reliabilityandcorrectness,readabilityandcompletenessofdocumentssubmittedbyclients,

• conductingnegotiationswithlistedentitiesinthescopeofbankingservicesofferedbytheBank,

• checkingthemannerandscopeofrepresentationofclientsandpersonsauthorizedtomakedeclarationsofwillontheir

behalf,includingsignaturepatterns,

• providingtheBankwithclientdocumentsrelatedtotheperformedactivityandotherdocumentsthattheBankmayrequest

inordertoconsidertheclient’sapplication,

• determiningtheidentityofcustomers,statingtheauthenticityofsignaturessubmittedondocumentsrequiredbytheBank,

andcertifyingcomplianceofthedocumentsphotocopieswiththeoriginalsandsignaturessubmittedbycustomers.

BNP Paribas Solutions Spółka z o.o. (former Raiffeisen Solutions Sp. z o.o.)

Thecompanyoperatessince2014.ItbecameapartoftheBankBGŻBNPParibasS.A.CapitalGroup,whichresultedfrom

finalizationoftheacquisitionofthecorebusinessofRaiffeisenBankPolskaS.A.on31October2018.TheCompany’sbusiness

includesbrokerageactivitiesrelatedtothesecuritiesandcommoditymarkets–currencyexchangeofficesactivity,otheractivities

supporting financial services, excluding insurance and pension funds – processing and settlement of financial transactions,

activities related to software, IT consultancy, data processing, web site management (hosting) and similar activities, and

theactivityofinsuranceagentsandbrokers.Activitiesintheareasthatrequirepermitsorconcessionswillbeconductedafter

obtainingthosepermits.

Currently,theprimarygoalofBNPParibasSolutionsSp.zo.o.istoprovideindividualandinstitutionalclientswiththewidest

rangeofcurrencyexchangeandfundstransferproductsviatheRkantor.cominternetplatform,withanemphasisonmaintaining

thehighestlevelofsecurityandspeed,combinedwithlowtransactioncosts.

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Campus Leszno Sp. z o.o.

CampusLesznoSp.zo.o.wasestablishedon28June2018basedonacompanyagreementintheformofanotarialdeedand

enteredintotheRegisterofEntrepreneursoftheNationalCourtRegister.ThecompanywasseparatedfromtheBank’sstructures,

aspreviously theTrainingandConferenceCenter (CSKLeszno) functionedas theBank’sTrainingCenter.TheCompany’s

activitydidnotchangeasaresultoftheaboveandconsistsinprovidingtrainingandrecreationalservicesaswellasatraining,

hotelandcateringbase.Thecompany’sbusiness isalsorelated to,amongothers,entertainmentandrecreationalactivities,

activities related to the organization of fairs, exhibitions and congresses, andother business services.The company’s goal

istocreateafriendlyplaceforbothcorporateandfamilyevents(includingweddings),weekendandoutdoorevents,aswell

astheconstructionofanewdevelopmentstrategybasedonofferingexceptionalqualityservicesataffordableprices.

Bankowy Fundusz Nieruchomościowy Actus Sp. z o.o.

Thecompanywasestablishedin1999toconductactivitiesinthefollowingsubjects:

• purchaseandsaleofrealpropertyandlimitedpropertyrightsonrealestates,

• conductingconstructioninvestmentsonownandforeignrealestates,

• realestatebrokerageandrentalservices,

• leaseandrentalofpremisesandrealestates,

• servicesrelatedto:realestatevaluation,realestatemanagementandrealestateadvisory(realestateagencyactivity).

Theaimofthecompanyistoselltherealestateataprofitableprice.

BGZ Poland ABS1 Designated Activity Company

BGZPolandABS1DesignatedActivityCompany (“SPV”)with its registeredoffice in Ireland,3rdFloorKilmoreHouse,Park

Lane,SpencerDock,Dublin,isaspecial-purposevehicle,withwhichtheBankperformedasecuritizationtransactionofapart

oftheloanportfolioinDecember2017.TheGrouphasnocapitalinvolvementinthisentitynorisrelatedtoitorganisationally.

Thesubjectofthecompany’sactivityislimitedinthemannerdescribedinarticle92aparagraph4oftheBankingLaw.Thesole

activityofthisentityistheacquisitionofreceivablesandtheissuanceofsecurities.

Pursuanttotheagreementsconcludedon11December2017(asamended),theBanktransferredreceivablesfromtheportfolio

ofloansandcashloansaswellascarloansgrantedinPLNtoSPV.Subsequently,SPVissuedsecuritiesandreceivedaloan

secured by the above-mentioned receivables. SPV is consolidated for the purpose of preparing the consolidated financial

statementsoftheGroup.

Methodological note

Duetothelackofoperationalactivityand,consequently,thelackofrelevantnon-financialinformation,thedataontheBankowy

Fundusz NieruchomościowyActus Spółka z o.o. and BGZ PolandABS1 DAC were not included in the following sections

of the present report.

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BNP Paribas Group worldwide

[GRI 102-6]

TheBankBGŻBNPParibasS.A.CapitalGroup(the“Group”)belongstotheleadinginternationalBNPParibasbankinggroup,

whichispresentin73countriesandemploysapproximately200thousandemployees,ofwhichabout150thousandinEurope.

TheBNPParibasGroupoperatesinthefollowingkeyareas:

• DomesticMarketsandInternationalFinancialServices,providedbyRetailBanking&Services;and

• CorporateandInstitutionalBanking.

TheBNPParibasGroupsupports itsclients(retailclients, localgovernments,entrepreneurs,smallandmediumenterprises,

corporationsandinstitutions)intheimplementationofprojects,offeringthemawiderangeoffinancial,investmentandsavings

productsaswellasinsuranceprotection.

InEurope, theBNPParibasgroupoperatesonfourdomesticmarkets(Belgium,France, Italy,Luxembourg),and isa leader

in consumer loans (BNPParibasPersonalFinance).TheBNPParibasCapitalGroupdevelops its integrated retail banking

model in theMediterranean countries,Turkey,Central andEastern Europe and through an extensive network of branches

-inthewesternUnitedStates.IntheareaofCorporate&InstitutionalBankingandInternationalFinancialServices,BNPParibas

isalsooneoftheleadersinEurope,hasastrongpositioninNorthandSouthAmerica,andnotestherapiddevelopmentofits

companiesintheAsiaPacificregion.

InPoland,theBNPParibasGroupoperatesinmanyareasoffinancialservices,suchas:banking,investmentfunds,custody

services,factoring,leasing,insurance,realestateandfleetmanagement.

TheBNPParibasGroupisawareofitsroleinfourimportantareasofinfluence:theeconomy,employees,society,andnatural

environment.Inallregionsofitsoperations,theGroupisactivelyengagedinthelifeoflocalcommunities.

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The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

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INJANUARY2019,FORTHEFIFTHTIMEINAROW,BNPPARIBASWASPLACED ONTHELISTOFTHE“WORLDHUNDREDSUSTAINABLEENTERPRISES”PUBLISHEDEVERYYEAR BYTHECANADIANMAGAZINE“CORPORATEKNIGHTS”TOCELEBRATETHEOPENING OFTHEWORLDECONOMICFORUMINDAVOS.

BNPPARIBASWONTHEFIRSTPLACEAMONGEUROPEANBANKSINTHESUSTAINABLE DEVELOPMENTCATEGORY(ASSESSMENTFOR2018FISCALYEAR).THEAWARD WASGRANTEDSEVERALMONTHSAFTERBNPPARIBASWASRECOGNIZEDAS THEMOSTACTIVEEUROPEANBANKIN TERMSOFTHEFIGHTFORENVIRONMENTALPROTECTION ACCORDINGTOTHELATEST“GETTINGTO GREEN”,ABRITISHNON-GOVERNMENTALSHAREACTION, WHICHEMPHASIZEDTHEGROUP’SSTRATEGYINTHEAREAOF CLIMATE,CORPORATEGOVERNANCE IN CORPORATESOCIALRESPONSIBILITY,RESULTTARGETSFOR2020,COMMITMENTTO CARBONNEUTRALITYANDSUPPORTFORTHETRANSFORMATIONOFTHEENERGYSECTOR, ASWELLASRESPONSIBLEINVESTMENTPOLICYANDFINANCINGINSENSITIVESECTORS.

BNP Paribas Group in Poland

ThefollowingentitiesfromtheBNPParibasGroupoperateinPoland(apartfromtheBGŻBNPParibasGroup):

BNP Paribas Lease Group Sp. z o.o. (BNP Paribas Leasing Solutions in Poland)

BNPParibas LeasingSolutions in Poland belongs to theBNPParibasGroup.The companywas established in 1998 and

isa100%subsidiaryofBNPParibasLeaseGroupS.A.,anunquestionableleaderontheFrenchmarketinfinancingequipment

forenterprisesandpersonsconductingbusiness.Europeanoriginmeansthatthecompanyhasaccesstocapitalandsources

of financingaswell asexperienceandknowledge regarding thefinancingof investmentprojects.Aspartof theEquipment

& Logistics Solutions business line, the company finances primarily agricultural machinery and construction machinery.

The company’s offer is complementedby the secondbusiness line, namelyTechnologySolutions,whichdeals in financing

ITequipmentandmedicalequipment.BNPParibasLeasingSolutionsoffersitspartnersthebestfinancingsolutionsandsales

supportfortheirproducts.ThankstothepresenceofBNPParibasLeasingSolutionsanditspartnersonmostEuropeanmarkets,

theofferthatitaddressestocustomerscanbeglobal.

Thecompany’sofferincludesthefollowingproducts:leases,leaseback,loans,Europeanloans,rentals.Servicesoffinancing

fixedassets for variousbranchesof industry areprovideddirectly to enterprisesand institutional clients aswell as through

partners–producersanddistributors.Since2010,BNPParibasLeasingSolutionsisaleaderinfinancingagriculturalmachinery.

In2018,theCompanyemployedatotalof224people.

InaccordancewiththeGroup’sPolicy,BNPParibasLeasingSolutionsconductsactivitiesactivatingemployeesandinvolving

theminthecooperationwithlocalcommunities.In2018,113employeesoftheCompanywereinvolvedinsocialactivities.They

conductedcharity fair forveterans,collectionofgifts forpatientsof theOncologyCenter inWarsaw, registrationofpotential

bonemarrow donors in cooperation with the DKMS Foundation, collection of books for Oncology Departments in Poland.

TheemployeesoftheCompanyalsoparticipatedinthecharityruninWarsaw–“BiegMikołajów”.

TheplansoftheCompanyfor2019includetheimplementationofprojectssubmittedaspartoftheCSRprogram“Joinin!”.

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Arval Service Lease Polska Sp. z o.o.

Thecompanyfoundedin1989,belongstotheBNPParibasGroup.Itisaleaderinlong-termcarrentalandfleetmanagement.

Arvalprovidesthebestsolutionstailoredtotheneedsoflocalandglobalcustomersaswellasfleetsofallsizes.Professional

consultancyandthequalityofservicesareprovidedbytheteamof7thousandemployeesin29countries.Thetotalfleetleased

byArvalaroundtheworldisover1.2millionofvehicles.ThecompanyhasbeenoperatinginPolandsince1999andmanages

afleetofover29thousandofcars.Intheperiodbetween2015-2017,Arvalwasthefastestgrowingcompanyintheindustry.

In2018,theCompanyemployed180people.

As a company related to the automotive market, Arval, as part of the implementation of the social responsibility policy,

conductsactivitiesaimedatreducingtrafficaccidents,includingthoseinvolvingchildren,throughactionsraisingtheawareness

oftrafficparticipantsandinfluencingtheirbehaviour.In2018,themostimportantCSRinitiativesimplementedbythecompany

inthebusinessareaincludedthefirsteditionofthepilotprogramBecomeanArval’sSecurityAmbassador.Theaimoftheprogram

wastoimprovethesafetyofArvalcarusersandothertrafficparticipants.About1thousandofArvalcardriverswereengaged

intheprogram,realizedfor12months–from20January2017to19January2018.

Read about the program:

Inaddition,in2018thecompanyorganizedtheinitiative“Ourchildrensafeontheroad”addressedtoprimaryschoolstudents.

Arvaljoinedtheinitiative“SzlachetnaPaczka”(“NobleGift”)atBankBGŻBNPParibas,butinthepreviousyearstheprogram

wasconductedbyArvalindependently.

BNP Paribas Securities Services Poland S.K.A. Oddział w Polsce

ThecompanyispresentinWarsawsinceMarch2008,andconstitutesapartoftheBNPParibasGroupspecializinginservicing

operationsonsecuritiesandinvestmentfundsforinstitutionalinvestors,financialinstitutionsandmajorcompanies.After10years

ofpresenceinPoland,atpresentBNPParibasSecuritiesServicesoperateswithintwobusinesslines:InternationalOperations

Center (IOC)– related toassetand fundmanagement for institutional clients fromalloverEuropeandCustody&Clearing

Services–professionalmanagementofcustodyservicesforfinancialinstitutions.BNPParibasSecuritiesServicesPolanddeals

inmaintainingaccountsandservicingsecurities,providingaccountingservicesforfunds,calculatingandconfirmingthevalue

ofassets,andsettlingcapitalandcash.Italsoverifiesthecomplianceoftheoperationswiththeinvestmentpolicyandsupports

theinstructionstopurchaseandsellfundunits.In2018,theCompanyemployed972people(554womenand418men).

In2018,thecompanyimplementedmanyCSRinitiatives.Intheareaofresponsibilityintheworkplace,amongothers,International

Women’sDaywasorganized,underwhichthecompanyorganizedaseriesofmeetingsofemployeeswithwomeninmanagerial

positions. Joint lunches were an opportunity to talk about development and inspiration. Several dozen of people attended

themeetings.OntheoccasionofChildren’sDay,afamilypicnicwasorganized,attendedbyabout350people.BNPParibas

SecuritiesServicesalsosupportedfinanciallytheChristmasconcertofWSE–acyclicalcharityeventforabout2.5thousand

ofpeople.Thecompanyemployeesandpotential jobcandidatesparticipated inthementionedconcert.TogetherwithABSL,

thecompanyalsoco-organizedtheWeekofDiversity–aseriesof5eventsenrichingthepotentialofemployeesirrespective

oftheirrace,nationality,cultureandorientation.

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The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

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In2018,manysocialprojectswereimplementedatBNPParibasSecuritiesServices.Thecompanyorganizedseveralintegration

tripscombinedwithsocialactivities,includingIOCIntegrationWeekend,duringwhichabout400participatingemployeesbuilttwo

playgroundsandrenovatedplaygroundsattwoprimaryschoolsinŁochów,CIBIntegrationWeekend–trainingtrip,duringwhich

themanagersparticipatedinclubactivitiesforchildrenfromtheChildren’sHealthCenter.Theemployeesofthecompanywere

alsoinvolvedinthe“SzlachetnaPaczka”(“NobleGift”)campaign.Over600volunteershaveprepared11giftsforthoseinneed

withatotalvalueofoverPLN50thousand,wherebythecompanysupportedeachpackagewithPLN1thousand.Theemployees

atBNPParibasSecuritiesServiceswerealsoinvolvedintheLetterstoSantacampaign,thankstowhichchildrenfromtheday-

carehomereceivedChristmasgifts listed in the letters toSantabeforeChristmas.Aspartof theBack toSchoolcampaign,

thecompany’semployeespreparedover30backpacksforthenewschoolyearforchildrenfromaday-carehome.

CSRactivitiesofthecompanyalsoconcernedtheareaofimpactonthenaturalenvironment.Thecompanyhadtwosessions

oftheHungryforKnowledgeproject–anopenworkshopconcerningthegreenofficeandtheimpactofemployeesontheenergy

consumptionandresourcesofthebuilding.TogetherwiththeŁąkaFoundation,grassandplantswereplantedinurbanareas

–making employees aware of the need to provide greenery not only to people but also to animals. The PaperlessOffice

projectwasalsoimplemented–anemployeeeducationcampaignontheneedandpossibilitiesofreducingpaperconsumption

ineverydaywork.TheactionconsistedofaninformationcampaignandtheactivityoftheITteam.Throughouttheyear,plastic

closureswerealsocollectedattheoffice–thecompanycooperateswiththefoundationcollectingclosuresonaregularbasisand

exchangingthemperiodicallyforthefundsoncharitablepurposes.

BNP Paribas Cardif w Polsce

Theinsurancecompany,presentonthePolishmarketsince1998,specializesinlifeinsuranceandbancassurance.BNPParibas

Cardifoffersawiderangeofhighqualityproductsandinsuranceservicessoldthroughanetworkofpartners:banks,leasing

companies,telecommunicationsandretailers.Closecooperationwithpartnersallowsthecompanytocreateinsurancesolutions

meetingtheneedsofcustomers.In2018,theCompanyemployed118people(59womenand59men).

Asregardsthebusinessareain2018,BNPParibasCardifinPolandintroducedchangesintheprovisionsoftheGeneraland

SpecialConditionsofInsuranceandintroducedCPIprotectionforpeopleagedupto80withaspecialinsurancecoveragefor

personsintheretirementage.Thecompanyalsoremovedtheprovisionsregardingtheconsequencesofdiseasesoccurring

beforethedateofcoverageoftheinsurance.Inaddition,atoolformakingonlineclaimshasbeenintroduced.

Withtheemployeesinmind,thecompanyhascompletedthethirdeditionofEndomondo–asportscompetitionforemployees

aimedatpromotingahealthylifestyleusingtheEndomondoapplication.Thecompetitionconsistedinburningasmanycalories

aspossiblebypracticingoutdoorsports,whileatthesametimeevery1kilometretravelledbythecompetitionparticipantswas

theequivalentofPLN1forcharitablepurposes.ThecollectedsumwastransferredtotheAcademyoftheFuture–theprogram

oftheWiosnaAssociation,theorganizerofthe“SzlachetnaPaczka”(“NobleGift”)campaign.Aspartofthe“RóżowyPaździernik”

(“ThePinkOctober”)initiative,allthewomenemployedinthecompanycouldbenefitfromapreventiveultrasoundexamination

ofthebreast.TheinitiativealsoincludedaseriesofarticlesonthepreventionofbreastcancerbyAdriannaSobol,apsycho-

oncologist at the oncology hospitalMagodent inWarsawand a lecturer at theWarsawMedicalUniversity at theOncology

PreventionInstitute.

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The teamofBNPParibasCardif runners inPolandhasalreadystarted the thirdyear inaCorporateRun–acharityevent

organizedbytheEverestFoundation,fundspaidfortheparticipationoftheteamweredonatedtothetreatmentofillchildren

– theprotégésof theFoundation.BNPParibasCardif inPolandalsosupported thecampaignofbookcollectionorganized

bytheZaczytani.orgFoundation.Theaimofthecollectionistosupportchildren,adolescentsandadultsstayinginhospitals

andtopromotereadership.Thecompanywasalsoinvolvedinthe“SzlachetnaPaczka”(“NobleGift”)campaignandsupported

WielkaOrkiestraŚwiątecznejPomocyorganization.

Additionally,Cardifconductedactivitiesintheareaofimpactonthenaturalenvironment.In2018,aspartofextendingecological

awarenessamongtheyoungest,thecompanyfinancedtheconstructionofakindergartengardenforchildrenfromthePublic

Kindergarten inSobienek (Osieck commune).There is aneducational path in thegardenenabling to learn thenamesand

characteristics of native tree species.Eachof thepre-school groups received their own cultivationbox so that the children

couldgrowvegetables.Additionally,forpre-schoolers50setsofgardentoolswerepurchasedtoproperlycarefortheirgarden.

BNPParibasCardifinPolandcooperateswiththe“StowarzyszenieNiepełnosprawnidlaŚrodowiskaEKON”(“TheDisabledfor

EnvironmentalAssociationEKON”),whocollectselectro-waste.Theassociationisasocialenterprise,anditsaimisprofessional

activationandjobcreationforpeoplewithdisabilities.

BGŻ BNP Paribas Faktoring Sp. z o.o.

A factoring company, belonging to theBNPParibasFactoringGroup, is a leader on the international factoringmarketwith

over50yearsofexperience.IthasbeenoperatinginPolandsince2006andisoneofthefastest-growingfinancialinstitutions

onthemarket.ThecompanyisamemberofthePolishAssociationofFactorsandFactorsChainInternational,aninternational

associationoffactoringcompanies.Theservicesofferedbythecompanymeetall internationalstandards.BGŻBNPParibas

Faktoringaddressesitsoffertosmall,mediumandlargeproduction,commercial,serviceandagri-foodenterprisesthatperform

thesalewithdeferredpayments.

In2018,thecompanyemployed85people(63womenand22men).69peoplepartiallyemployedintheFactoringManagement

DepartmentofBGŻBNPParibas(44womenand25men)alsoprovidedworkfortheCompany.

ThemostimportantCSRinitiativesofthecompanyin2018concernedthesocialarea.Thecompanycollectedfundsmainlyfor

thefoundationofsiepomaga.plaspartofvariouscharitycampaigns:sweetMondays,aChristmasdecorationsandhandicrafts

fairofFaktoring.Thecompanyparticipatedinthe“SzlachetnaPaczka”(“NobleGift”)campaignandAllegroauction.

BNP Paribas Real Estate Poland Sp. z o.o.

Thecompany’soperationsarebasedonsixbusinesslinescoveringthewholelifecycleofrealestate:constructioninvestments,

transactions,consulting,valuations,propertymanagementandinvestmentmanagement.InCentralandEasternEurope,BNP

ParibasRealEstateprovidesservicesinthefieldsof:capitalmarkets,propertymanagement,commercialspacerental,valuations

and transactions.All services are supported by theMarketAnalysis andAdvisory Department, which provides information,

supportingtheBNPParibasRealEstateclientstomakethebestlong-termbusinessdecisions.In2018,theCompanyemployed

atotalof118people(76womenand42men).

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The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

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In2018,thecompanyparticipatedintheactionoftheSynapsisFoundation“Naniebieskodlaautyzmu”(“Inblueforautism”).

Theemployeesof thecompanyparticipated in theJLLbeachvolleyball tournament,participation inwhichwaspossibleonly

afterdonatingtoacharitychoseninagivenyear.Aspartoftheintegrationtrip,theemployeesofthecompanybuiltbeehives

forbees,andalsoparticipatedinvolleyballandfootballclasses.Thecompanyparticipatedinthe“SzlachetnaPaczka”(“Noble

Gift”)campaign–itconductedafundraiseramongitsemployeesforthispurpose.Aspartofthecooperationwiththe“Fundacja

PrzyjacieleSzpitaliDziecięcych”(“FoundationofFriendsofChildren’sHospital”),anauctionofdecorationsmadebychildren–

patientsofthehospitalatNiekłańskainWarsawwasorganized.Intheareaofenvironmentalimpact,BNPParibasRealEstate

Polandmanagedthebuildingsinaccordancewiththeprinciplesofsustainabledevelopmentinordertomaintainthecertification

ofthemanagedbuildings.

Governing bodies of the Bank

[GRI 102-18]

Management Board of the Bank as at 31 December 2018

Przemysław Gdański President of the Management Board

Jean-Charles Aranda Vice-President of the Management Board

Daniel Astraud Vice-President of the Management Board

Philippe Paul Bézieau Vice-President of the Management Board

Andre Boulanger Vice-President of the Management Board

Przemysław Furlepa Vice-President of the Management Board

Wojciech Kembłowski Vice-President of the Management Board

Kazimierz Łabno Vice-President of the Management Board

Jaromir Pelczarski Vice-President of the Management Board

Jerzy Śledziewski Vice-President of the Management Board

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[GRI 102-10]

Changes in the Bank’s Management Board in the period between 1 January and 31 December 2018:

• On19February2018,Mr.BartoszUrbaniaksubmittedaresignationfromthepositionoftheMemberoftheManagement

BoardoftheBank,withtheeffectfrom31March2018.

• On10April2018,thePolishFinancialSupervisionAuthority,pursuanttoarticle22boftheBankingActof29August1997,

unanimouslyagreedtotheappointmentofMr.PrzemysławGdańskiasthePresidentoftheManagementBoardofBank

BGŻBNPParibasS.A.Inconnectionwiththeabove,on10April2018,theresolutionoftheBank’sSupervisoryBoardof26

October2017ontheappointmentofMr.PrzemysławGdańskiasthePresidentoftheBank’sManagementBoardcameinto

force.

• On16May2018theSupervisoryBoardappointedtheBank’sManagementBoardintheunchangedcompositionforanew

three-yearterm.ThefunctionofMr.Jean-CharlesAranda,whountilthenservedasaMemberoftheBank’sManagement

Board,hasbeenchanged.Theresolutionof theSupervisoryBoardcameinto forceonthedateof theGeneralMeeting

ofBankBGŻBNPParibasS.A.approvingthefinancialstatementsfor2017,i.e.withtheeffectfrom18May2018.

• On26September2018,Mr.BlagoyBochevsubmittedaresignationfromthepositionoftheVice-PresidentoftheManagement

Board,with theeffect from31October2018.On thesameday, theSupervisoryBoardappointedMr.AndréBoulanger

astheVice-PresidentoftheManagementBoardwiththeeffectfrom1November2018fortheperioduntiltheendofthecurrent

three-yearjointtermofofficeoftheManagementBoardmembers.

• On8November2018,theSupervisoryBoardappointedMr.KazimierzŁabnoastheVice-PresidentoftheBank’sManagement

Board, with the effect from 8 November 2018 until the end of the current three-year joint term of office of the Bank’s

ManagementBoardmembers.

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Rada Nadzorcza

Józef Wancer Chairman of the Supervisory Board

Jarosław Bauc Vice-Chairman of the Supervisory Board Independent Member of the Supervisory Board

Jean-Paul Sabet Vice-Chairman of the Supervisory Board

Francois Benaroya Member of the Supervisory Board

Stefaan Decraene Member of the Supervisory Board

Jacques d’Estais Member of the Supervisory Board

Michel Falvert Member of the Supervisory Board

Piotr Mietkowski Member of the Supervisory Board

Monika Nachyła Member of the Supervisory Board

Stéphane Vermeire Member of the Supervisory Board

Mariusz Warych Independent Member of the Supervisory Board

Current composition of the Management Board and Supervisory Board.

[GRI 102-10]

Changes in the Bank’s Management Board in the period between 1 January and 31 December 2018:

• On23January2018,theExtraordinaryMeetingoftheBankappointedMr.FrancoisBenaroyaasaMemberoftheSupervisory

Boarduntiltheendofthecurrentfive-yearjointtermofofficeoftheSupervisoryBoardmembers.

• On25May2018,Mr.AlainVanGroenendael,MemberoftheSupervisoryBoard,submittedaresignationfromtheposition

oftheMemberoftheSupervisoryBoardoftheBank,withtheeffectfrom25May2018.

• On 13 June 2018, Mr. Yvan De Cock, Member of the Supervisory Board, submitted a resignation from the position

oftheMemberoftheSupervisoryBoardoftheBank,withtheeffectfrom13June2018.

• On 24August 2018, the Extraordinary General Meeting of the Bank appointedMr. Michela Falvert andMr. Stéphane

VermeireasmembersoftheSupervisoryBoarduntiltheendofthecurrentfive-yearjointtermofofficeoftheSupervisory

Boardmembers.

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Special committees selected from among the members of the Supervisory Board::

Audit Committee

ThetaskoftheAudit CommitteeistosupporttheSupervisoryBoardinmonitoringthereliabilityoffinancialinformation,monitoring

theeffectivenessof the internalcontrolsystem,monitoringtheperformanceofauditactivitiesandensuringtheeffectiveness

oftheinternalauditfunction,includingperformanceofsupervisoryactivitiesovertheInternalAuditDivision.

Committee on Human Resources and Remuneration of the Bank

The taskof theHuman Resources and Remuneration Committee of theBank is to support theSupervisoryBoard in its

supervisorydutiesintheareaofhumanresourcesmanagementthroughmonitoringandsupervisionofkeyprocesses,inparticular:

successionplans,professionaldevelopmentofemployees,remunerationpolicy.

Nomination Committee

ThetaskoftheNomination Committee istosupporttheSupervisoryBoardinperformingitsdutiesrelatedtotheassessment

of the qualifications of candidates for members of the Bank’s Management Board, as well as candidates for Supervisory

Boardmembers,definingthescopeofdutiesforthecandidatefortheBank’sManagementBoard,aswellasknowledgeand

competences requirementsandexpectedcommitment in termsof timenecessary toperform the function,periodic (at least

annual)evaluationofthestructure,size,compositionandeffectivenessoftheBank’sManagementBoard,andrecommending

changes in this respect.

Risk Committee

ThetaskoftheRisk CommitteeistosupporttheSupervisoryBoardinitssupervisorydutiesintheareaofriskmanagement,

inparticular:expressingopinionsontheBank’soverallcurrentandfuturereadinesstotakerisks,expressingopinionsontherisk

management strategy developed by the Bank’sManagement Board and information submitted by theManagement Board

regarding the implementation of this strategy, supporting the Supervisory Board in supervising the implementation of risk

managementstrategiesintheBank’sactivitiesbyseniormanagement,verifyingthatthepricesofliabilitiesandassetsoffered

toclientsfullyreflecttheBank’sbusinessmodelanditsadoptedriskstrategy,andincasethepricesdonotadequatelyreflect

therisksinlinewiththeadoptedmodelandthisstrategy,presentingproposalsofappropriatechangestotheBank’sManagement

Boardinordertoensuretheadequacyofthepricesofliabilitiesandassetstothesetypesofrisk.

Business areas

[GRI 102-2]

OperatingactivitiesofBankBGŻBNPParibasS.A.aredividedintothefollowingbasicbusinessareas:

The area of Retail and Business Banking Segment offers comprehensive services to retail customers, including private

banking customers, aswell as business clients (micro enterprises).TheBank offers consulting services in the scopeof all

formsofongoingbankingservice,savings,investingandlending.AspartofRetailandBusinessBanking,theBanksupports

thefollowingcustomersegments:

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• RetailCustomers:

◦ MassClients;

◦ PremiumBankingClients,i.e.thoseinvestingintheBankorthroughtheBanktheassetsintheamountofminimumPLN

100thousandorhavingreceiptsofaminimumofPLN7,500permonth;

◦ PrivateBankingCustomers(WealthManagement, i.e. those investing in theamountofaminimumofPLN1million

throughtheBank);

• BusinessCustomers(Microenterprises):

◦ Corporates:

■ non-Agro entrepreneurs, not preparing full financial reporting, in accordance with the principles set out

in theAccountingAct,meeting the criterion of annual net revenues for the previous financial year belowEUR

2million;

■ Agro entrepreneurs not preparing full financial reporting and whomeet the criterion of annual net income for

thepreviousfinancialyearbelowEUR2million,conductingactivitiesclassifiedaccordingtoselectedPKD2007

codes;

◦ Professionals:entrepreneursnotpreparingfullfinancialreportinginaccordancewiththeprinciplessetoutintheAccounting

Actandperformingprofessionsdefinedinaseparatedocument;

◦ Individualfarmers,whosecreditexposureisbelowPLN3million;

◦ Individualfarmers,whosecreditexposurerangesbetweenPLN3millionandPLN4million,ifthecollateralonarable

landscoversatleast50%ofcreditexposure;

◦ Non-profitorganizations(e.g.foundationsandassociations);

◦ Cooperativesandhousingcommunities.

IntheBank,thePersonal Financesegmentisadditionallyseparated–dealing,inparticular,withthedevelopmentoftheproduct

offeringandmanagementofconsumerloansdistributedviatheRetailandBusinessBankingsegmentbranchnetworkaswell

asexternaldistributionchannels.

The Small and Medium Enterprises Banking (SME) segmentprovidesservicestotheclientspreparingfullfinancialreporting,

whosenetsalesrevenuesforthepreviousfinancialyeardonotexceedPLN60million,andwhosecreditexposureisbelow

PLN25million,aswellastoindividualfarmers(notpreparingfinancialstatements),whosecreditexposurerangesbetweenPLN

3millionandPLN25million.

InthesegmentofSmallandMediumEnterprises,thefollowingsub-segmentshavebeenseparated:

• individualfarmers,whosecreditexposureisbetweenPLN4millionandPLN25million;

• Agro-SMEclientspreparingfullfinancialreportinginrelationtonetsalesrevenuesforthepreviousfinancialyearbelowPLN

60millionandcreditexposureofuptoPLN25million,aswellasagriculturalproducergroups;

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• non-Agro-SMEclients including:(i)companiespreparingfullfinancial reporting,withnetsalesrevenuesfor theprevious

financialyearbelowPLN60millionandloanexposureslowerthanPLN25million;(ii)publicfinancesectorentitieswith

abudgetofuptoPLN60million,whichwereincludedinthetenderprocedureortherequestforproposals;

• smallAgro-SMEclients including:Agroentrepreneurs,preparing fullfinancial reporting,withnet revenues fromsales for

thepreviousfinancialyearbelowPLN10millionandwithcreditexposurebelowPLN25million;

• SmallAgro-SMEclients including:non-Agroentrepreneurs,preparing fullfinancial reporting,withnetsales revenues for

thepreviousfinancialyearbelowPLN10millionandcreditexposurebelowPLN25million.

The Corporate Banking Segment offersawidevarietyoffinancialservices to largeandmedium-sizedenterprisesaswell

aslocalgovernmententitieswithannualturnoverexceedingPLN60millionorwiththecreditexposureabovePLN25million,

inadditiontoentitiesoperatinginmultinationalcapitalgroups.

ClientsofCorporateBankingaredividedinto:

• Polishmidcorporates(i.e.withannualrevenuesbetweenPLN60and600million);

• internationalclients(companiesbelongingtointernationalcapitalgroups);

• large Polish corporations (with annual turnover over PLN 600million, listed on the stock exchange and with potential

intheareaofinvestmentbankingservices);

• currencyexchangeoffices;

• publicsectorentitiesandfinancialinstitutions.

Withintheabovegroupstherearesub-segmentsofclientsfromtheAgroandnon-Agroarea.

Corporate and Institutional Banking (CIB) segment supports sales of products of the BNP Paribas Group dedicated

tothelargestPolishenterprises.ItincludessupportforstrategicclientsandtheFinancialMarketsDivision.

Other Banking OperationssegmentisconductedmainlyaspartoftheAssetandLiabilityManagementDivision.

The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

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Financial results

[GRI 201-1]

Selected consolidated financial data

Selected financial data EUR `000

Statement of profit or loss Consolidated data Separate data

2018-12-31 2018-12-31

Netinterestincome 493766 486657

Netfeeandcommissionincome 132795 125 424

Profitbeforetax 109891 110778

Netprofit 84459 85481

Totalincome 84269 85299

Totalnetcashflows (4160) (15920)

Ratios 2018-12-31 2018-12-31

Numberofshares(items) 147418918 147418918

Earningspershare 0,85 0,86

Statement of financial position 2018-12-31 2018-12-31

Totalassets 25 354 074 24839920

Loansandadvancestocustomersmeasuredatamortisedcost 16511093 16016493

Loansandadvancestocustomersmeasuredatfairvaluethroughprofitorloss 561918 561918

Totalliabilities 22898304 22381418

Liabilitiesduetocustomers 20 277 141 20815478

Sharecapital 34283 34283

Totalequity 2 455 770 2458503

Capital adequacy 2018-12-31 2018-12-31

Totalownfunds 2838788 2846597

Totalriskexposure 19407268 19538568

Totalcapitalratio 14,63% 15,02%

Tier1capitalratio 12,38% 12,72%

Information on financial results can be found in the Periodic reports tab of Bank BGŻ BNP PARIBAS S.A.

2018

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1.1 Acquisition of the Core Business of Raiffeisen Bank Polska S.A.

[GRI 102-10], [GRI102-15]

Integration strategy resulting from the acquisition of the core business of Raiffeisen Bank Polska ►

THEBNPPARIBASGROUPISTHEEUROZONELEADERANDTHELEADINGBANKINEUROPE, CONSIDERINGITSHIGHAMBITIONSINALLMARKETSITOPERATES.BNPPARIBASWANTSTO STRENGTHENITSPOSITIONINPOLANDINALLSEGMENTS,ANDISONEOFTHEFEW FINANCIALGROUPSTHATSYSTEMATICALLYINCREASESITSINVOLVEMENTINTHEPOLISH MARKET.THEREFORE,ON31OCTOBER2018,BANKBGŻBNPPARIBASACQUIREDTHECOREBUSINESSOFRAIFFEISENBANKPOLSKAS.A.

FROMTHEPERSPECTIVEOFBANKBGŻBNPPARIBAS,THISENTITYISANEXTREMELY ATTRACTIVEPARTNERDUETOTHECOMPLEMENTARYCUSTOMERBASEANDLOCATION OFBRANCHES,ASWELLASDUETOTHESTRONGPOSITIONINSELECTEDAREASOFACTIVITY, SUCHAS:SME,CORPORATEBANKING,FACTORINGANDPRIVATEBANKING.

InApril 2018, theBNPParibasGroupconcludedanagreementwithRaiffeisenBank International regarding theacquisition

ofthecorebusinessofRaiffeisenBankPolskabytheBank.ThetransactionwasperformedthroughthedemergerofRaiffeisen

BankPolskabyseparatingandacquisitionofitscorebusinessbyBankBGŻBNPParibas.

Themostimportantelementofthetransactionwastheneedtoobtainapprovalsfromtherelevantregulatoryauthorities.Thenext

stepsincludedthelegaldemergerofthecorebusinessofRaiffeisenBankPolskaanditsmergerwithourBank.

TheacquiredcorebusinessofRaiffeisenBankPolskacoveredSMEs,corporatebanking,retailoperationsandPrivateBanking.

Transactions in the area of foreign currency mortgage loans, wind farm exposures and other selected corporate banking

exposureswereexcludedfromthetransaction.Similarly,alllegalrelationsbetweenRaiffeisenBankPolandandsixinvestment

fundsinliquidationwereexcluded.

Thecomplementarityofthebanks’offermeantthattheorganizationcreatedasaresultofthemergerhasanestablishedposition

intheSME,corporatebanking,factoringandprivatebankingsegments.ThetransactionalsostrengthenedthepositionoftheBNP

ParibasGroupcompaniesoperatinginPolandthroughtheuseofnewcross-sellingopportunities.

ThetotaltransactionpricewassetatPLN3.25billion.

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WeenteredintorightsandobligationstowardstheclientsoftheacquiredpartofRaiffeisenBankPolskaon31October2018,

alongwiththeappropriateentryintheNationalCourtRegister.Theacquisitiondidnotrequireanyactivitiesfromtheexisting

clientsofbothbanks.Agreementsconcludedbyclientswithbanksremainedinforceanddidnotrequiresigningofannexes.

Thenumbersofbankaccountshavenotchanged,allthecardsandPINnumbersremainactive.Atthecurrentstage,theBanks

tilloperateunderseparatebrands.On18December2018,thePFSAagreedtochangethenameofBGŻBNPParibastoBNP

ParibasBankPolska.InordertomakethechangeintheStatuteeffective,itmustberegisteredintheNationalCourtRegister.

The new name is the symbolic opening of a new chapter in theBank’s history.Rebranding is planned for spring of 2019.

TheintegrationofITsystemswilltakeplaceinthefourthquarterof2019.

The  schedule  of  the  acquisition  of  the  core  business  of  Raiffeisen  Bank  Polska  SA  by  Bank  BGŻ  BNP  Paribas 

can be found here.

1.2 “Fast Forward” – new strategy of Bank BGŻ BNP Paribas 

[GRI 102-14], [GRI102-15]

“Fast Forward” strategy

InMay2018,BankBGŻBNPParibasannouncedanewbusinessstrategyfor2018-2021.ThemainassumptionsoftheFast

Forwardstrategyarefocusonthecustomeranddigitaltransformationofproducts,servicesandprocesses.Theimplementation

of these assumptions aims at accelerating the organization’s development and will contribute to the Bank’s profitability.

Thebusinessdevelopmentwillbebasedonfivekeypillars:simplicity,digitalization,quality,growthandenthusiasm.Thestrategy

assumestheimplementationofgrowthalsothroughtheacquisitionofanorganizedpartofRaiffeisenBankPolska’soperations.

Thestrategicgoalssetin“FastForward”aretoachieve:thegrowthrateoftheNetBankingIncome(NBI)fasterthanthemarket

averagegrowth,ROE(ReturnOnEquity)over10%andthecosttoincomeratio(C/I)ataround50%.

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Asregardstheretailsegment,theBankintendstoimplementapackageofinitiativessupportingfurtherdevelopmentofthisareas

byredesigningthecustomerserviceprocess,focusingoncomprehensiveservicewiththeuseofdigitalchannels,optimizing

networkproductivity,salesmodelandremoteservice,andtheuseofadvancedbigdataanalyticstomeetthecustomerneeds

inabestpossibleway.

Inthemicroenterprisesegment,theBankaspirestobeoneofthefirstchoicebanks,focusingoncreationofanewcustomer

servicepathandValuePropositionfore-commerceandstartupcustomers.

Intheenterprisesegment,theBankintendstostrengthenitsestablishedposition,focusingontheimplementationofthenew

ValueProposition inthefieldoftheelectronicbankingsystem, investmentbankingandsolutionssupportingtheinternational

expansionofdomesticcompanies.

Theprocessofachievingthesegoals issupportedbythefactofacquisitionof thecorebusinessofRaiffeisenBankPolska.

TheacquiredbankiscomplementarytotheBNPParibasBankinasignificantnumberofaspects.TheacquisitionofRaiffeisen

BankPolska’scorebusinesswillallowtheBanktostrengthenitspresenceinlargecitiesanddeveloptheprosperouscustomer

base,aswellastobecomeoneoftheleadersinthePrivateBankingsegment.IntheareaofSMEs,theacquiredbusinesswith

astrongdistributionnetwork,an innovativeproductplatformandamoderncentralizedcustomerservicecentreensuresthat

theBankentersmajorplayersofthefast-growingandhighlyprofitablesegment.

– Our strategy is focused on growth, which we need to implement immediately, in each of our business segments. – Przemek Gdański, President of the Management Board 

More information on the strategy.

Strategic roadshows

InNovemberandDecember2018,meetingsofthePresidentoftheBankandManagementBoardMemberswithemployees

wereorganizedin10Polishcities,duringwhichtheManagementBoardpresentedtheFastForwardstrategy,theintegration

projectplanandansweredemployees’questions.Intotal,12meetingsorganizedin10Polishcities(Warsaw,Krakow,Gdansk,

Lublin,Poznań,Szczecin,Toruń,Wrocław,Katowice,RudaŚląska)wereattendedbynearly2.5thousandofpeople.

Strategic roadshows

10cities

12meetings

Nearly 2.5 thousand participatingemployees

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Our employees about Fast Forward roadshow

–  I was pleasantly surprised by  the  form of  the meeting – both  the preparation of  the place  itself and the course of the event. (...) Thanks to the participation in the meeting, I was familiarized with the direction in which the Bank will go and with BGŻ BNP Paribas – my new employer.  I also met people who will decide about the future of our organization. – Employee of the Operational Center in Ruda Śląska

– Thanks to my participation in Roadshow, I know where we are and where we are going. – The organization of this meeting was a hit.

1.3 Bank BGŻ BNP Paribas history

[GRI 102-10]

BankBGŻBNPParibaswasestablishedin2015,throughthemergerofBNPParibasPolskaandBankGospodarkiŻywnościowej

– twoentitieswitha long, nearly 100-yearhistoryof presenceon thePolishbankingmarket.From thatmoment, theBank

continuestostrengthenitsforces,effectivelycombininginnovationwiththetraditionofpresenceinPoland.In 2018, BGŻ BNP 

Paribas acquired the core business of Raiffeisen Bank Polska. In this way, our organization joined the group of Polish 

banks with assets in the amount over PLN 100 billion.

• On31October2018,BankBGŻBNPParibasS.A.acquiredthecorebusinessofRaiffeisenBankPolskaS.A.,whichhas

beenconfirmedbyanappropriateentryintheNationalCourtRegister.

• On14September2018,thePolishFinancialSupervisionAuthoritydidnotraiseanyobjectionsastotheintentionofBNP

ParibasS.A.topurchaseaminorityshareholdinginRaiffeisenBankPolskaS.A.andallowedforthedemergeroftheacquired

bank.

• On17May2018,BankBGŻBNPParibasannouncedanew“FastForward”strategy,themainassumptionofwhichisfocus

onthecustomer,digitaltransformationofproducts,servicesandprocesses,whichaimsatacceleratingthedevelopment

andwillcontributetothe increasedprofitability.On10April2018,theBNPParibasGrouptogetherwithBankBGŻBNP

ParibasS.A.haveenteredintoacontractfortheacquisitionofapartofRaiffeisenBankPolskaS.A.

• In2016,amergerwithSygmaBankPolskaS.Aoccurred.

• In2015,BankBGŻBNPParibaswasestablished.

• In2014,thecontrollingstockofBankBGŻwasacquiredbytheBNPParibasGroup.

• In2011,FortisBankPolskachangeditsnametoBNPParibasBankPolska.

• In2011,theBankhaditsdebutontheWSE.

• In2009,FortismergedwithDominetBank.TheBNPParibasGroupacquiredFortisBankPolska.

• In2004,RabobankandEborbecamestrategicinvestorsinBankBGŻ.

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• In1999,FortisacquiredPPABankandFortisBankPolskawasestablished.

• In1994,PPABankhaditsdebutontheWSE.BankBGŻwastransformedintoajoint-stockcompany.

• In1991,thePolish-AmericanenterprisefundbecameastrategicshareholderofKTB–thustheFirstPolish-AmericanBank

inKrakowwasestablished.

• In1990,theKrakowBankingSociety(KTB)wasestablished.

• In1975BankBGŻwasestablished.

• In1919,SociétéGénéraleDeBanque,laterBNPParibasFortis,beganitsoperationsinPoland.ThePolishAgriculturalBank

wasalsoestablished.

1.4 Corporate Social Responsibility in Bank BGŻ BNP Paribas 

CSR as a strong attribute

INACHANGINGWORLD,RESPONSIBILITYMATTERS.

INOUROPINION,ONLYAHOLISTICAPPROACHTOCORPORATESOCIALRESPONSIBILITY HASACHANCETOTRANSLATEINTOREAL,MEASURABLEEFFECTS.THEREFORE, WEUNDERSTANDTHEBANK’SRESPONSIBILITYASLONG-TERMFINANCING OFTHEECONOMYANDBUILDINGLONG-TERMRELATIONSHIPSWITHCLIENTS INACCORDANCEWITHETHICALPRINCIPLES,RESPONSIBLEAPPROACHTOEMPLOYEE DEVELOPMENTANDENGAGEMENT,INCREASINGTHEAVAILABILITYOFPRODUCTS ANDSERVICES,OPENNESSTOCUSTOMERNEEDS,INITIATIVESFORLOCALCOMMUNITIES, REDUCINGTHENEGATIVEIMPACTOFOPERATINGACTIVITIES,ECO-FRIENDLYPRODUCTS ANDSERVICES,ANDPOPULARIZATIONOFECO-SUPPLIES.

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ThestrategyofCorporateSocialResponsibilityofBGŻBNPParibasBankisconsistentwiththeBNPParibasGroupStrategy.

Itconsistsof12commitmentsunderthe4pillarsofresponsibilityinrelationto:economy,people,communityandenvironment.

The economy

The keydimension of ourBank’s responsibility is long-term support for the development of the economy through financing

ofprojectsofindividualclientsandenterprises–soastosupporttheirgrowth.Atthesametime,wemonitorCSRrisksinsensitive

sectors,anddecisionsaboutgrantingfinancingareprecededbytheanalysisofthesocial,economicandenvironmentalimpact

ofthecompanyandtheventure.

Our people 

Responsibility regarding our peoplemanifests itself primarily in creating a good environment that supports the professional

development of employees and their involvement. It serves to promote openness, respect for diversity and readiness for

professionalmobility.

The community

Responsibility in thisdimensionmeans takingactiveactions for thebenefitof theenvironment inwhich theBankoperates.

ResponsibilityrelatedtothecommunityisrelatedtothefocusontheareasinwhichtheBankcancontributetoapositivesocial

changeinthemostadequateway,i.e.focusoncounteractingsocialexclusionandsupportingeducationandculture,especially

insmallcommunities.

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The environment

Minimizing thenegative impacton theenvironment is implementedbyBankBGŻBNPParibas in threedimensions: limiting

thenegativeimpactofoperatingactivitiesandpromotingeco-attitudeamongemployees,responsiblefinancingoftheeconomy

andcustomers,aswellascooperationandinvolvementincross-sectorinitiatives.

Stakeholders of the BNP Paribas Bank

[GRI 102-42], [GRI 102-43]

Sustainabledevelopmentassumesharmoniouscooperationwithstakeholders.Inorderforouractivitiestorespondtotheneeds

andexpectationsofstakeholdersasmuchaspossible,weareinterestedintheirneedsandopinions.Wegainknowledgeabout

theneedsandexpectationsduringmeetingswithourclients,throughcyclicalemployeesatisfactionsurveys,aswellasthrough

relationshipsbuiltwithsocialpartnerswhenimplementingprojectsoftheBGŻBNPParibasFoundation.Wefocusonastable

andopendialogue– also becauseof the fact that the viewsof our stakeholders allow for considering the changing socio-

economicconditionsintheBank’splans.

• Employees and colleagues

• Clients:individualandinstitutional:retailbanking,corporatebanking,microbanking,SMEbanking,Agrosegment

• SubsidiarieswithintheBankBGŻBNPParibasGroup

• EntitieswithintheBNPParibasGroupinPolandandabroad

• Market environment: business partners, suppliers, thePolishBankAssociation, consumer and industry organizations,

competitiveenvironment,administration,nationwidemedia

• Capital market:WarsawStockExchange,ratingagencies,analysts,institutionalandindividualinvestors

• Supervisory authorities:PolishFinancialSupervisionAuthority,NationalBankofPoland,

• Local communities:socialpartners,localself-governmentadministration,institutionssupportingcultural,educationaland

sportsevents,universities, schools, local community residents, localmedia,non-governmentalorganizations,BGŻBNP

ParibasFoundation

• Environment:regulatoryorganizationsandnon-governmentalorganizations.

The most important CSR initiatives in 2018

WearethemostresponsibleBankinPoland.Wewonthefirstplaceinthebanking,financialandinsurancecategoryandfourth

placeinthegeneralclassificationofthe12theditionoftheResponsibleCompaniesRanking–theonlysuchlistofcompanies

operatinginPoland,evaluatedintermsofthequalityofcorporatesocialresponsibilitymanagement.Thisresultwasachieved

thankstothehardworkofmanypeoplewhoareactivelyinvolvedininternalandexternalCSRinitiatives.

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CSR Fair

InApril2018,wehadtheopportunitytopresentourorganization’sactivitiesattheCSRFair.TheCSRFairisthelargestCSR

eventinPolandorganizedeverytwoyearsbyResponsibleBusinessForum.Thegoaloftheeventistopresenttheactivitiesand

practicesofsociallyresponsiblecompaniesaswellastheservicesofferedinthisarea.In2018,thefairtookplaceatthePGE

Narodowystadium.BankBGŻBNPParibasstandwas located in thepavilionof thePolish-FrenchChamberofCommerce.

ExpertsandrepresentativesoftheBGŻBNPParibasFoundationwerewaitingforvisitors,whoansweredquestionsandshared

theirknowledgeandexperience.TheBankalsopreparedaneducationalquizexplainingtheessenceofactivitiesintheareaof

corporatesocialresponsibilityinanattractiveandaccessibleway.Duringtheevent,theresultsofthe#SustainHackContestwere

announced,whosepartnerwasBankBGŻBNPParibas.

More information:

#SustainHack

AspartofthepartnershipwithResponsibleBusinessForum,BankBGŻBNPParibasbecameinvolvedintheinnovativeIdea

Challengeproject–#SustainHack,i.e.CSR-Hackathonagainstsocialexclusion.Thecompetitionwasintendedforcreativepeople

(programmers,graphicdesigners, engineers, scientists,marketers, start-ups)whowould like to support socially responsible

initiativeswiththeirideas.OurBanksetachallengefortheparticipantstoovercomeinequalitiesinaccesstoservicesinthetime

oftheongoingdigitizationofbankingservices.Participantshadtosolvetheproblemandcreateasolutionthatwouldallowyoung

andelderlypeople,maladjustedorreluctanttouseATMs,electronicbankingservicesandmobileservicesatthesametime.

More information

Responsible Business League

In2018,webecameapartnerofthe14theditionoftheResponsibleBusinessLeagueorganizedbytheResponsibleBusiness

Forum.ThepurposeoftheLeagueistobuildnewcadresofmanagers,disseminateknowledgeaboutCSRandconnectbusiness

withyoungpeopleenteringthelabourmarket.TheResponsibleBusinessLeagueisPolishfirstfreeeducationalprogramonCSR

addressedtostudentsfromalloverthecountry.TheprogramisrunintheformoffourthematicmeetingsorganizedfromJanuary

toJune,for20studentsfromdifferentuniversitiesfromalloverPoland,selectedbyrecruitment.

OurBankisalong-termpartneroftheResponsibleBusinessLeague.In2018,duringthe14theditionoftheprogram,theBank

wasthesupervisoroftheManagementandCSReducationalpath.On26and27May,20studentswereinvitedtotheBank,

withwhomwediscussedonthesubjectofresponsibilityintheBankintheformofaworkshop,andwesharedthepracticesfrom

behind.StudentscouldlearnaboutvariousaspectsofCSRmanagementwithinthematicworkshops:responsiblebusiness,CSR

strategy,employeesocialengagement,diversityandchangemanagement.

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CSR Breakfast

In2018,wesuccessfully completedmany important projects in the fieldof corporate social responsibility, including the fact

weperformedapilotproject forfinancingsocialbusiness,westarted theprocessofgettingoutof tobaccosectorfinancing,

weobtained4certificatesofthe“Entitywithoutbarriers”,increasedourhybridfleet,launchedtheLocalProgramAmbassador

oftheBankandconductednumerousvoluntaryactivities.Alltheseactivitieswouldnothavehappenedwithouttheinvolvement

ofemployeesinvariousareasofourBank.

On21September2019,aCSRBreakfastwasheld,duringwhich thePresidentof theBank, togetherwith theCSRBureau

and representatives of theBGŻBNPParibasFoundation, expressed their gratitude to the employees for their involvement

intheimplementationoftheCSRStrategy.

1.5 Organizational governance

Corporate governance

OurcorporategovernanceactivitiesarebasedontheCorporateGovernancePrinciplesforsupervisedinstitutionsdeveloped

bythePolishFinancialSupervisionAuthorityandBestPracticesof companieslistedon the WSE. The Code of Conduct is an

importantdocumentinourorganization,andconstitutescoherentsetofethicalprinciplesappliedthroughouttheBNPParibas

Group,includingtheBankBGŻBNPParibasGroup.TheInformationPolicyof BankBGŻBNPParibasdevelopedby ourBank

isanotherimportantdocumentfortheBank.

Actinginaccordancewithcorporategovernanceprinciplestranslatesinto:

• aculturebasedonresponsibilityandcohesion,

• involvement of the Management Board, shareholders, managerial staff and the entire Group in the initiatives aimed

atimprovingourorganization,

• applyingbestbusinesspractices,

• sustainabledevelopmentofourbusinessandpositiveimpactonsociety.

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Organization values

[GRI 102-16]

TheBNPParibasWayconstitutes the formulationofourorganizationvalues–ourstrengthsanddriving forcesconsistently

applicableforallemployeesoftheBNPParibasGroup.

Our driving forces

• Agility.Wewanttosimplifyouroperationsandapplyusefulinnovationsandtechnologicalsolutions.

• Complianceculture.Webelieveinpromotingtransparentprinciplesthatarethefoundationofacultureofrespectforlawand

ethicsofbusiness.

• Clientsatisfaction.Webelievethatwewillachievesuccessbybecomingthebankofthefirstchoiceforourclients.Wetry

tolistencarefullytoourclientsandworkcloselywiththem.

• Openness.Wepromoteopennesstowardsourstakeholders.Ourgoal is toprovideeveryoneintheGroupwithasense

ofbeingapartofit,whocanpresenttheirpointofviewandhastherighttoact.

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Our strengths

• Stability. Stable, long-term management, diversified and integrated business model and international branch network

constitute our foundation.

• Responsibility.Weareguidedbyacultureofresponsibilityandprofessionalintegritytoserveourclientsinabestpossible

way.

• Expertise.Werelyonthewell-knownandconstantlydeepenedknowledgeofourteams.

• Goodplacetowork.Wecreateaninspiringworkplacewherepeoplearetreatedfairlyandwithrespect.

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Ethics

[GRI 103], [GRI 102-16], [GRI 102-17]

Code of Conduct

– The Bank’s success depends directly on the conduct of each employee. Together, we focus on building the future of BNP Paribas on the foundations of professionalism and integrity. This requires the involvement of  all  employees  in  the Group,  the  trust  of  our  partners,  clients  and  shareholders,  as  well  as  public authorities and the public in every country where the Bank operates. To do this, we must carefully follow the laws and regulations. At the same time, we must be sure that every decision results from a sense of ethical  responsibility. The beginning of  this process  is  the ability  to  learn a  lesson  from  inadequate practices. The world, in which the Bank runs its business, changes all the time. BNP Paribas can deal with these changes, being ahead of these changes, adapting to them and introducing innovations thanks to  corporate  culture,  deeply  rooted  in  values    that  are  applied  in  an  uncompromising manner.  In  this spirit, the “Code of Conduct” has been developed. – Jean Lemierre, Chairman of the Supervisory Board of the BNP Paribas Group, Jean-Laurent Bonnafé, President of the Management Board of BNP Paribas Group

The Code of Conduct of the BNP Paribas Group defines standards of behaviour, values and ethical standards applicable

toallemployeesoftheBNPParibasGroup.Thisregulationconcernsbroadlyunderstoodethics,includingprofessionalethics.

Itdiscusses,amongothers,thefollowingissues:avoidingconflictsofinterestinactivitiesconductedoutsidetheGroup,rules

ofconductregardingaccesstoconfidentialinformation,takingprecautionsagainstbriberyandcorruption,andfinancialsecurity

principles.TheCodeofConductalsodrawsattentiontotheissueofhonesttreatmentandprotectionofclients’interests.Itorders

transparentcommunicationinsalesandmarketingandfairconsiderationofcomplaints.

TheBankmonitorsthecomplianceriskintermsofethicsthroughtheimplementationofappropriateinternalregulations,self-

regulationandconductscurrentandplannedcontrols,aswellasconductseducationalcampaignsforemployees(training,direct

communication,e-mailing,workshops).Wepromotetransparentprinciplesthatarethefoundationofacultureofrespectforlaw

and ethics in action.

Allnewemployeesarerequiredtoundergotraining intheformofworkshopsandtocompletetheon-linetrainingcontaining

informationonconflictsofinterest,counteractingcorruption,abuseandbroadlyunderstoodprofessionalethics.Employeesare

alsoprovidedwithmaterialsregarding,amongothers,confidentialinformation,corruption,rulesforgiftsandhospitality,conflict

ofinterest,personaltransactionsandwhistle-blowingsystem.Inaddition,educationalactivitiesarecyclicallyconductedamong

theBankemployeesintheformofmessagesoninternalintranetsites.Thisistoguidethegeneralethicalprinciples.

The organization has implemented internal mechanisms to obtain advice on behaviour in ethical and legal matters and

mattersrelatedtotheintegrityoftheorganization.Theseincludededicatedfunctionboxes,throughwhicheachemployeehas

theopportunitytoreferinquiriesandapplicationsfromtheareaofethics.

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InOctober2018,the“NewOpeninginCompliance”projectbeganintheorganization.ItisacampaignpromotingtheCompliance

functionintheorganization,aimedatincreasingemployees’awarenessintheareaofethics,e.g.throughworkshops.

ThemaindocumentsthatallemployeesofBGŻBNPParibasarerequiredtofollow:

• The Code of Conduct of the BNPParibasGroup

• ConflictofinterestmanagementregulationsatBankBGŻBNPParibasS.A.

• Policyonreportingviolationsoflawandethicalproceduresandstandards,includinganonymousreporting(Whistle-blowing)

applicableatBGŻBNPParibasS.A..

• TherulesforgiftsandhospitalitybyemployeesofBankBGŻBNPParibasS.A.

• RegulationsfortheprotectionofconfidentialinformationflowatBankBGŻBNPParibasS.A.

• Regulationsoninvestmentsofrelatedpersonsandtransactionsofmanagers.

Initiatives to promote ethics in the financial sector:

Partnership of “Nienieodpowiedzialni”

Starting from 2016, we support the next editions of the “Nienieodpowiedzialni” (“Not irresponsible”) conference dedicated

toresponsibilityinthefinancialindustry.The“Nienieodpowiedzialni”projectisbornoftheneedtoseekanswerstothequestions

ofwhatisgoodandwhatisevilintoday’sworld.TheinitiatoroftheconferenceisANGCooperative–aprofessionalorganization

offinancialintermediation,whichistheonlyoneintheindustryoperatinginthelegalformofacooperative,withwhichalmost800

financialexpertsfromalloverPolandcooperate.AllthemajorfinancialinstitutionsinthecountryarethebusinesspartnersofANG.

Thecooperativeisanorganizationthatmakeseveryefforttobeasociallyresponsiblecompanyanddevelopinaccordancewith

theprinciplesofsustainabledevelopment.

InNovember2018, the6th “Nienieodpowiedzialni”Conferencewasorganised inWarsaw.OurBankwasastrategicpartner

of the meeting. Consumerism and its relations with finances, leadership and false authorities were the topics discussed

bytheparticipantsduringtheconference.Anotherconsiderationwaswhetheralieisaneffectivesalestoolandhowconsumer

behaviouriscontrolledonthefinancialmarkets.Theconferencespeakersincluded,amongothers:AdamBoniecki,HenrykWujec,

DariuszDoliński,AndrzejFalkowski,PrzemysławCzapliński,ZuzannaSkalska,AleksandraPrzegalińska,butalsothepresident

ofBankBGŻBNPParibas–PrzemekGdański.HeparticipatedintheOxforddebateentitled“Lieisthemosteffectivesalestool”

andalsopresentedhispointofviewon,whether the financialindustrycouldbecomelessadventurous.

More information on the conference.

See the conversation about responsibility between Grzegorz Nawrocki and Przemek Gdański, the president of our Bank. 

Read more

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Polish Bank Association

Weareamemberof thePolishBankAssociation–aself-governingorganizationofbanksoperatingonthebasisof theAct

onChambersofCommerceof30May1989,establishedinJanuary1991.MembershipinthePBAisvoluntaryandincludes

banksoperatingintheterritoryoftheRepublicofPoland,establishedandoperatingonthebasisoftheapplicablePolishlaw.

AspartofthemembershipinthePolishBankAssociation,ouremployeesrepresenttheBankintheBankingEthicsCommittee

andworkforethicalconductinthefinancialsector.Wearealsoalong-termpartneroftheEthicsinFinancecompetition.

Participation in the initiatives of the Banking Ethics Committee

TheBankeffectivelypromotes transparentprinciples thatare the foundationofacultureof respect for lawandethics in its

internalandexternalactivities.AspartoftheworkintheBankingEthicsCommittee,wealsotakepartinasurveyconducted

bythePolishBankAssociation,whichresultsintheReportoftheBankingEthicsCommitteeonRelationsbetweentheBanksand

theirstakeholders.Participationinthesurveyshowsahighsenseofsocialresponsibilityandtheneedtoconstantlyshapeand

disseminateethicalstandardsonthefinancialservicesmarketand–consequently–theneedtoimprovetheBank’simageasan

institutionofpublictrustineverydayworkwithclients,businesspartners,competitors,shareholders,employeesandthelocal

community.

Ethics in finance competition 

TheideaoftheEthicsinfinanceCompetitionorganizedbytheBankingEthicsCommitteeatthePolishBankAssociationisto

promoteethicalattitudesinthefinancialworldandtoindicatetheimportantroleofethicsinbuildingthefinancialsector.

Thecompetitiongivesyoungpeoplethechancetosharetheirpassionforwork,observations,aswellasideasforimproving

the system. It is addressed to people who are under 35 years of age. Candidates should present an unpublished essay

inPolishofananalyticalnatureorsuggestingapracticalapplicationofethics.Thebasicrequirementforcompetitionessays

isthepresentationofaninnovativeproposalofchangesaimedatprotectingorusingethicalvaluesintheworldoffinance.

ThecompetitionisorganizedincooperationwiththeFinancialObservatoryin Geneva,theorganizeroftheinternationaledition

oftheCompetition.In2018,BankBGŻBNPParibasS.A.onceagainbecameoneofthefoursponsorsofthecompetitionprizes.

Read more

Anti-corruption strategy

[GRI 102-17], [GRI 205-1], [GRI 205-2], [GRI 205-3]

Theanti-corruptionsystematBankBGŻBNPParibasisbasedonthoroughlydevelopedproceduresandinternalregulations.

ThebasicdocumentregulatingthisissueistheAnti-CorruptionPolicy.TheBankhasdevelopedanumberofdetailedprocedures

andinternalandexternalpoliciesallowingfordetailedmonitoringofthecorruptionrisk.CounteractingcorruptionintheBank

isapermanentprocessandcoversawiderangeofoperations,includingnewrelationships,transactionsandcooperationwith

contractors.Dependingonthetypeofcorruption(internalandexternal),theBankimplementedpoliciesandrelatedregulations.

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In cases of occurrence of internal corruption in the Bank, the following applies:

• Anti-fraudpolicyatBankBGŻBNPParibasS.A.introducestheprincipleof“Zerotoleranceforfraud”.Thismeansthatinevery

caseofrevealinganeventthatisabusive,regardlessoftheformofitscommencement,theBankwill takeallmeasures

todeterminetheperpetrators,theirmechanismsandfactsoftheeventwithduediligence,aswellasapplythesanctions

providedforingenerallyapplicableregulationsandinternalregulationsoftheBank.

• PolicyonnotificationofacomplianceincidentatBankBGŻBNPParibasS.A.Thepolicygivesemployeestheopportunity

to submit notifications about theoccurrenceor about thepossibility of a compliance violation incident, includinganact

ofcorruption,inamannerindependentofallothermethodsdescribedinotherbankingregulations.

• Therulesofgiftsandhospitality foremployeesofBankBGŻBNPParibasS.A.Therulesdescribe indetail theprocess

ofgivingandreceivingbusinesscourtesies.Accordingtothem,employeesmayundernocircumstancesdeterminethescope

ofservicesprovidedbytheBankorofferedproductstopotentialpersonalbenefitsobtainedfromcustomers.Inparticular,itis

forbiddentosolicitagiftfromacustomer.Itisunacceptabletoreceiveandgivebusinesscourtesiesthatmayaffectimpartiality

andindependenceofdecisions.Therulesdescribetheprocessofgivingbusinesscourtesiestopersonsperformingpublic

functions.

• Codeof goodpractice for employeesofBankBGŻBNPParibasS.A. inbusiness relationswith contractors.According

tothedocument,employeesundertaketoguaranteefaircompetition.

• Regulationsgoverningconflictsof interestofBankBGŻBNPParibasS.A.and theBrokerageOfficeofBankBGŻBNP

ParibasS.A.andRegulationsformanagingtheriskofconflictofinterestbetweentheBankandtheemployees.

• Regulationsdescribefivebasictypesofconflictsofinterestandvariouswaystopreventthem:conflictsofinterestwithin

theBank,betweentheBankandclients,betweenclientsandBankemployees,betweenclientsandbetweentheBankand

employees.

• InSeptember2018,BankBGŻBNPParibas implemented theAnti-CorruptionPolicy.Thepolicygoverns thepromotion

of ethical behaviour and the detection and penalisation of corruption incidents. The Policy allows to manage the risk

ofcorruption.Italsoensuresthatthemonitoringcoverseventsthathave–evenpotentially–acorruptcharacter.

• Theanti-corruptionpolicyisavailableintheIntralexinternalsystem.EachemployeeofourBankhastheopportunitytoread

thedocument.

Additionally,thepositionoftheCorrespondentonanti-corruptionhasbeencreatedintheAnti-MoneyLaunderingandSancreaton

MonitoringDepartment.TheCorrespondentisresponsibleformonitoringthedegreeofimplementationoftheadoptedassumptions.

Wehave introducednewchannelsdesigned to informabout corruptionevents.A special e-mail boxhasbeencreatedand

made available to the employees, towhich employees can submit their doubts and observations.The risk associatedwith

corruptionisreputationalrisk–oneoftherisksconsideringwhileassessingtheclient.Atthesametime,corrupteventsareone

oftheelementsmonitoredbytheDepartmentofCounteractingFraud.

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TheBank identified positions particularly exposed to the risk of corruption and provided data on this subject to theGroup.

AttheGrouplevel,in2018,atrainingprogramplannedforimplementationinMarch2019wasdeveloped.Inaddition,in2019,risk

mappingwilltakeplaceinthemergedBank.Forthisperiod,itisalsoplannedtoincludemoreemployeesrequiredtoparticipate

in the anti-corruption training.

In cases of external corruption at the Bank, the following applies:

• Anti-fraudpolicyatBankBGŻBNPParibasS.A.andRegulationsrelatedtoanti-moneylaundering.Theregulationsinclude

in particular the “Know your client” program defining the set of data constituting the current state of knowledge about

theBank’sclient.Itcoversallactivitiesaimedatgatheringinformationnecessarytodeterminethecredibilityoftheclientand

histransactionprofile;

• Customeracceptancepolicy:forindividualclientsandbusinessentities.Byimplementingthepolicy,theBankwishestoavoid

establishing business relationshipswith peoplewho are involved in suspicious, illegal or unethical activities. TheBank

assumesthattheapplicationoftheduediligenceprinciplessetoutinthepolicyisthefulfilmentoftheobligationtoapply

financialsecuritymeasuressetoutintheAMLandthefinancingofterrorismAct.Thesepoliciesalsorefertotheidentification

of people in political positions as clientswith an increased level of risk due to the possibility of participating in the act

of corruption.

• Anti-moneylaunderingandanti-terrorismfinancingprogramatBankBGŻBNPParibasS.A.Theprogramdefinestheconcept

ofmoney launderingand indicatesways tocounteract thispractice.Money launderingwasdefinedas: “undertakingall

activitiesaimedatconcealingpropertybenefitsobtainedfromcommittedcrimes(regardlessofwhetherthesecrimeswere

committedbytheconcealerorbythirdparties),i.e.takingconsciousactionstofindorcreategrounds,eitherlegalorfactual,

justifyingpossessionoftheabovementionedpropertybenefits.”

Inaddition,wecarefully analyse the legal status in the country.Weclosely follow theworkon theact on the responsibility

ofcollectiveentities.Incasetheprovisionsofthenewactenterintoforce,theprovisionsrelevanttothepreventionofcorruption

willalsobeconsidered.Atthesametime,furtherworkonthecreationofananti-corruptionsystemisongoingintheBNPGroup.

Within12monthsfromtheintroductionoftheAnti-CorruptionPolicy, in2019,theanti-corruptionrisk inthemergedBankwill

beassessed.Theassessmentwillbebasedonexpertknowledge.

In2018,theBankBGŻBNPParibasGroupdidnotreportsuspicionsofcorruptactivities.

Respect for human rights

[GRI 103], [GRI 412-1], [GRI 412-2]

TheCodeofConductof theBNPParibasGroup isakeydocument regulating themainassumptionsofmanaging thearea

ofrespectforhumanrightsintheactivitiesoftheBankBGŻBNPParibasGroup.Thedocumentpromotesrespectforhuman

rightsamongemployees,suppliers,customersandthecommunitiesinwhichitoperates.

Inaddition,in2018theBankprovidedtrainingon“HumanRightsinBusiness”.Thetrainingwasobligatoryfortheemployees

oftheunitswhoaremostinvolvedinthepromotionandmonitoringoftheobservanceofhumanrightsintheBank’soperations.

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Ethics, respect for human rights and counteracting corruption in subsidiaries of the Bank BGŻ BNP Paribas Group

All companiesof theBankBGŻBNPParibasGroupattachgreat importance to respectingethics, respect forhuman rights

andcounteractingcorruption.ThesuperiordocumentregulatingtheaboveissuesistheBNPParibasGroupCodeofConduct.

TheCodeisabindingdocumentforallentitiesoftheBNPParibasGroupand,hence,allcompaniesoftheBGŻBNPParibas

CapitalGroup.Inaddition,subsidiariescomplywiththeirowndetaileddocumentsorprocedures,andapplybestmarketpractices.

BNPParibasFinancialServicesSp.zo.o.complieswiththeCodeofConductforEmployeesofBNPParibasFinancialServices

Sp.zo.o.,whileBNPParibasSolutionsSp.zo.o–withtheCodeofConductforEmployeesofBNPParibasSolutionsSp.zo.o.

Bothcompanieswereacquiredin2018aspartoftheacquisitionofthecorebusinessofRaiffeisenBankPolska.TheRegulations

currentlyinforcewillbeintegratedwiththeregulationspreviouslyinforceatBGŻBNPParibasGroupcompanies.

The BGŻ BNP Paribas Group companies use e-learning courses available on the BNP ParibasMyDevelopment platform.

Thecompanieswhich,asaresultoftheacquisitionofRaiffeisenBankPolska’scorebusiness,wereincludedintheGroup’s

structures, are in the process of harmonizing the tools and implementing access to the platform. In 2018, all newly hired

employeeswere required toundergoe-learning trainingon theplatformof conflictsof interest, counteractingabuseaswell

asbroadlyunderstoodethics.Thetrainingsconcerned,amongothers,theissueofconfidentialinformation,corruption,rulesfor

giftsandhospitality,reportingconfidentialinformationandconflictofinterest.In2018,thecompanymadeatraininginthefield

ofcounteractingcorruption“Consciousfightagainstcorruption”ontheMyDevelopmentplatformavailabletoallemployees.

InTFIBGŻBNPParibas,additionalelementshavebeenimplementedtocounteractcorruptpracticesadoptedbythecompany:

• monitoringofpresentsandgiftsreceivedbyemployees.TheCompanyhasimplementedtherulesforgiftsandhospitalityfor

TFIemployees.Thecompanykeepsaregisterofgiftsreceivedbyemployees;

• monitoringofexternalactivitiesperformedbyemployeesand theobligation to report suchactivities.TheCompanyhas

implementedandappliestheRegulationsformanagingtheriskofconflictofinterestbetweentheCompanyandEmployees,

inwhichtherulesregardinganyactivitiesoutsidethecompanyandtheobligationtonotifyaboutthemhavebeenregulated;

theprocedureforreportingirregularitiesofcomplianceviolationsdescribedinthecurrentPolicyonreportingviolationsand

TFIproceduresandethicalstandards,includinganonymousreporting–Whistle-blowing.

Thecompanyperformsactivitiesrelatedtothemanagementofinvestmentfundsmonitoredbyinternalcontrolandsupervision

authority, i.e. theFinancialSupervisionAuthority. In order to prevent potentially corrupt situations,TFI introducedanumber

ofcontrolmechanismsatvariouslevelslimitingsuchrisktoaminimum.

Inaddition togroupdocuments,BNPParibasLeasingServicesalsoappliesaprocedure for reportingviolationsof lawand

applicable ethical procedures and standards, including anonymous reporting (Whistle-Blowing). Additionally, in November

2018,BNPParibasLeasingServicesadoptedanewAnti-CorruptionPolicy.Thecompanymonitorsbusinessrelationshipswith

customers,partnersandsuppliers. In2018, thecompanyalsoprovidedemployeeswith training in thefieldofcounteracting

corruptionontheMyDevelopmentplatform.

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BNP Paribas Financial Services implemented the Group’s solution and introduced the Code of Conduct for BNP Paribas

FinancialServicesemployees.Itisabindingsetofrulesthatshouldbefollowedwhenconductingdailyactivities,whilestriving

tomaintainthehighestpossiblestandards.TheCodespecifiesthebasicvaluesandrulesofconductrelevant toconducting

businessactivitiesinaccordancewiththelawandprinciplesofethics.Itistoserveasaguideinthefieldofconductethics.All

employeesarerequiredtocomplywiththeCode.AnydeviationsfromtherulessetoutintheCoderequireimmediatedisclosure

andnotificationtotheStandardsEmployer.Employeesareobligedtoconducttheirtasksonthebasisoftheprinciplesspecified

intheCodeandtheapplicableregulations.TheAnti-CorruptionPolicyimplementedbythecompanyisasetofrulesnecessary

toeffectivelypreventthephenomenonofcorruptioninthecompany.

BNPParibasSolutionshasadoptedanewCodeofConduct forEmployeesofBNPParibasSolutionsSp.zo.o.developed

onthebasisoftheGroupCodeofConductandtheAML/CFTPolicy.

InRaiffeisenTowarzystwoFunduszy Inwestycyjnych,adocumentadoptedon17July2017under thename:Anti-corruption

policyintheRivieraTFI(afterrenamingon4January2019)applies.Thescopeofthedocumentincludes:

• definingthephenomenonofcorruption,

• determinationoftheprocessoflimitingtheriskofcorruptionduringtheselectionofsuppliersofgoodsandservices,

• definingtheTFIpositiontowardssupportforpoliticalparties,

• determination of the TFI’s position regarding charity and sponsorship activities, rules on gifts and hospitality, conflict

ofinterestsandpersonaltransactionsofemployees,

• an indication of how to report suspicion of a corruption case.

BNPParibasGroupServiceCenter S.A., in addition to group documents, has adopted a control plan andRegulations for

managingtheriskofconflictofinterest.TherewerenoeventsofacorruptnatureinanyofthesubsidiariesoftheBGŻBNP

ParibasGroupin2018.

Risk management

[GRI 102-11]

TheBankidentifies,measures,monitorsandmanagestherisksinvolvedinitsbusinessoperations.

Inparticular,the following risks are identified by the Bankintheriskmonitoring,controlandmanagementprocess:

• creditrisk;

• counterpartyrisk;

• marketrisk;

• interestrateriskinthebankingportfolio;

• liquidityrisk;

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• operationalrisk;

• compliancerisk;

• businessrisk(break-evenrisk);

• reputationrisk;

• strategicrisk;

• leveragerisk;

• modelrisk;

• insolvencyrisk.

Material risks identified at the Bank:

• creditrisk;

• businessrisk;

• marketrisk;

• interestrateriskinthebankingportfolio;

• liquidityrisk;

• operationalrisk;

and,consideringcross-sectionalriskcategories:

• concentrationrisk;

• contagionrisk.

In order to ensure that the aforementioned risks have been identified, defined and are subject to appropriate control and

management,theBankmonitorsalloftheabovementionedrisksandtheyaresubjecttoperiodicalreviews.

TheBankhasdevelopeddetailedproceduresapplicabletoparticularrisks,definingthelevelofriskappetite.Theriskappetite,

within the limits set by the risk tolerance, defines themanner inwhich theBank uses its risk-taking capacity by specifying

thedegreeofriskexposurethatagivenbusinessareamaytakeforeachtypeofrisk.Fornon-measurablerisks,theprocedures

areanalysedandmonitoredwithintheprescribedtimelimitsbasedonvariousqualitativemethods.

Allmethodsandproceduresarereviewedperiodicallyintermsoftheirappropriatenessandreliabilityandaresubjecttovalidation

tests,stresstestsaswellasbacktesting.

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The risk management system of the Bank comprises mainly the Supervisory Board, the Management Board, dedicated

committees(AuditCommitteeandRiskCommitteeattheleveloftheSupervisoryBoard,ALCO,RiskManagementCommittee,

RetailBankingRiskCommittee,PersonalFinanceRiskCommittee,CreditCommittee,ProblematicLoanCommittee,Products

Approval, Services, Transaction and Businesses Committee, as well as Internal Control Coordination Committee), Risk

Departments,ComplianceaswellasSecurityandContinuityofBusinessManagementDepartment.

ThekeyroleintheriskmanagementsystemattheBankisfulfilledbytheManagementBoard,whichdefinestheriskpolicy,

riskappetite,andadoptstheriskmanagementprinciplesinadditiontothematerialrisklimitpolicyandriskcontrolprocedures.

TheriskmanagementprinciplesarederivedfromtheRiskManagementStrategydefinedbytheManagementBoardandaccepted

bytheSupervisoryBoard.

1.6 Partnerships of Bank BGŻ BNP Paribas

[GRI 102-12], [GRI 102-13]

Partnerships and cross-sectoral initiatives in which Bank BGŻ BNP Paribas participates

• ResponsibleBusinessForum

• Agenda2030–partnershipinitiativefortheimplementationoftheSustainableDevelopmentGoals

• PolishAssociationofSustainableAgriculture“ASAP”

• French-PolishChamberofCommerce

• PolishBankingAssociation

• “EthicsinFinance”Competition

• The“AvailableATM”project

• DonorsForum

• WarsawInstituteofBanking

• BankersforYouthFinancialEducation–BAKCYLprojectoftheWarsawInstituteofBanking

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Key partnerships established in 2018

Global Compact Network Poland 

UnitedNationsGlobalCompact is the largest global initiative focusing on sustainable business. Itwas established in 2000

bytheSecretaryGeneraloftheUnitedNations,andgathersover13.5thousandofentitiesfromover170countries.

Theinitiativecallsoncompaniestodevelopstrategiesandactionsbasedontenuniversalprinciplesregarding:humanrights,

labourstandards,environmentalprotectionandanti-corruption,andtotakemeasurestohelptoachievesocialgoalsthatmeet

theUNSustainableDevelopmentGoals,withspecialemphasisoncooperationandinnovation.MembersoftheUnitedNations

GlobalCompactarerequiredtoreportontheprogressofimplementingthe10GlobalCompactprinciples.Thereportshould

containadescriptionoftheactionsundertakenandtheresultsachieved.

Read more

Partnership for accessibility – an initiative of the Ministry of Investment and Development

TheAccessibilityPartnershipisadeclarationconstitutingacommitmenttocooperateintheimplementationoftheAccessibility

Program assumptions, which was initiated by the Ministry of Investment and Development. The program is implemented

in partnership with local governments, entrepreneurs, non-governmental organizations and the environment of people with

disabilitiesandseniors.Thesignatoriesofthedeclarationcommitthemselvesthattheywillbeguidedbytheideaofaccessibility

andequaltreatment,andtogetheraimtoequalizetheopportunitiesandaccessofallcitizenstothephysical,social,cultural,

recreation,leisure,sport,healthcare,education,work,transport,informationandresourcescommunication.Thelistofsignatories

ofthepartnershipforaccessibilityisopen.

Read the declaration:

Association of the Wiosna “Szlachetna Paczka” (“Noble Gift”)

“SzlachetnaPaczka”(“NobleGift”)isanationwideaidcampaign–implementedsince2001bytheWIOSNAAssociation.Itsmain

assumptionistheideaofprovidingdirecthelpsothatithelpspermanentlytogetoutofpoverty.

Aconstantlygrowingnumberofour“SzlachetnaPaczka”(“NobleGift”)volunteerworkerswasoneoftheimpulsesthatprompted

ourorganizationtoincludethe“SzlachetnaPaczka”(“NobleGift”)projectinthestrategicpartnershipin2018.Thus,ourBank

startedcooperationwiththeWiosnaAssociationonalargescale.Thiswillallowustosupportthe“SzlachetnaPaczka”(“Noble

Gift”)businessallyearround,promotetheideaofwisehelpandusethehugepotentialofouremployeevolunteering.In2018,

nearly2thousandofBGŻBNPParibasemployees-volunteersfromalloverPolandwereinvolvedin“SzlachetnaPaczka”(“Noble

Gift”).This is the largest voluntary actionwith the participation of employees of one company in the history of “Szlachetna

Paczka”(“NobleGift”).Thankstothehugecommitmentofouremployees,helpwasgivento100needyfamilies.OurClients

alsocontributetothehelp–foreachpaymentmadewiththecardorbymeansofamobileapplication,theBanktransfersfunds

to“SzlachetnaPaczka”(“NobleGift”).

Read more

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Male Champions of Change

On25October 2018, at the initiative of the founders of theSukcesPisanySzminkąFoundationbyOlgaKozierowskaand

OlgaLegosz,aswellastheAustralianAmbassadortoPolandPaulWojciechowski,theMaleChampionsofChangeclubwas

established.ThedeclarationappointingtheclubwassignedbysixpresidentsoflargecompaniesoperatinginPoland–including

thePresidentofBankBGŻBNPParibas,PrzemekGdański.

TheaimoftheMaleChampionsofChangeistoconductactivitiesaimedatsupportingwomenanddiversityinbusiness;education,

buildingawarenessandsharinggoodpractices,butaboveallcreatingtoolsthatbringconcreteresults..

Read more

Coalition for Polish Innovation

In2018,BankBGŻBNPParibasbecameastrategicpartneroftheCoalitionFoundationforPolishInnovation.TheCoalition

for Polish Innovation Foundation is a public-private partnership combining the potential of non-governmental organizations,

entrepreneurs,theworldofscienceandadministration,whichaimstocreateoptimalconditionsforthedevelopmentofinnovation

inPoland.WithintheframeworkoftheKPI,thereare28workinggroupsdealingwithvariousareasofinnovation,suchas:artificial

intelligence,blockchain, fintech,medicine, smart city, tradeandsocial innovations.Oneof thedimensionsof theCoalition’s

activitiesaremeetingsandworkshopswiththeparticipationofpartnersandexternalexpertswhoseaimistoshareknowledge.

Read more

Responsible Leadership Council

Onthe initiativeof theResponsibleBusinessForumduringthe7thCSRFair,on12April2018, theResponsibleLeadership

Councilwasestablishedasaforumforcooperationforthepromotionofcorporatesocialresponsibilityamongtheheadsand

boardmembersofenterprises.The ideaof theCouncil is to strengthen theneed topromotecorporate social responsibility

and responsible leadership among the leaders, expanding the knowledge ofCouncilmembers in this area and introducing

CEOsconvincedofthevalueoftheideaofsustainabledevelopmentandresponsiblebusinesstothepublicdebateinPoland.

Theinitiativeaimstoanswertheneedsofpeoplewhodealwithcorporatesocialresponsibilityonadailybasis,seekingsupport

atthehighestlevelofcompanymanagement.TheCouncilisalsotobeaplacewherediscussionscanbeinitiated,aswellasto

sharedoubtsandknowledgesothattheideaofsustainabledevelopmentbecomesapractice.

Read more

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1.7 Awards

Key awards received in 2018: 

• On 1 February 2018, BankBGŻBNPParibas once again received theTopEmployer Polska title for personnel policy

consistentwith thebest practiceson themarket.TheTopEmployers Institutedistinguishes thebest employersaround

theworld by assessing and certifying them in termsof strategy, personnel policy,monitoring its effects andactions for

thedevelopmentofemployees.TheTopEmployerEurope2018certificatewasalsoreceivedbytheBNPParibasGroup.

• On15March2018,BankBGŻBNPParibaswasawardedthetitleof“GwiazdaJakościObsługi2018”inthe11thedition

ofthePolishServiceQualityProgram.

• On21May2018,BankBGŻBNPParibasforthefourthtimereceivedtheSrebrnyListekCSR(“CSRSilverLeaf”)award

oftheweeklyPolitykaforitsconsistenteffortsinthefieldofsustainabledevelopment.

The Srebrny Listek CSR awards are granted by the editors of the weekly “Polityka” together with the consulting company 

Deloitte,  based  on  surveys  sent  to  several  hundred  largest  companies  in  Poland.  The  surveys  contain  questions 

regarding: corporate governance, human rights, attitudes towards employees, environmental protection, customer care, 

business integrity and social commitment. In 2018, the Srebrny Listek CSR by “Polityka” was accompanied by a review 

of  the  practices  supporting  the  implementation  of  selected  six  Sustainable  Development  Goals  (SDGs).  Based 

on the responses collected, the weekly Polityka,  together with the consulting company Deloitte and the Responsible 

Business  Forum,  prepared  for  the  seventh  time  a  list  of  socially  responsible  companies  summarizing  the  activities 

of  these companies  in  the area of    CSR and  their contribution  to sustainable development. The Srebrny Listek CSR 

received  in 2018  is  the fourth distinction awarded to our organization.  It  is a source of pride for us and confirmation 

of the consequences in implementing the strategy of corporate social responsibility.

• On23May2018BankBGŻBNPParibaswonthefirstplaceinthePowerofContentMarketingAwardscompetition.Thejury

hasonceagainrewardedtheBank’sproject“AgroKurier–amodernfarmer’swarehouse”inthe“contentmarketing”category.

• On25May2018BankBGŻBNPParibasagainwonthefirstplaceinthethirdeditionoftheBestBankforFarmer2018

rankingpreparedbytheresearchagencyMartin&Jacob.

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• On15June2018BankBGŻBNPParibaswonthefirstplaceinthebanking,financialandinsurancesectorsandfourthplace

inthegeneralclassificationofthe12theditionofResponsibleCompaniesRanking2018–theonlysuchlistofcompanies

operatinginPoland,assessedintermsofthequalityofcorporatesocialresponsibilitymanagement(CSR).

The Ranking of Responsible Companies  is a  list of companies operating  in Poland assessed  in  terms of  the quality 

of the business social responsibility management system. The results of the ranking have been published since 2009. 

From 2018, the RRC is organized by the Koźmiński Business Hub, while the substantive partners are the Responsible 

Business Forum and Global Compact Network Poland. Deloitte is responsible for the verification, while the media partner 

is “Dziennik Gazeta Prawna”. The authors of the list are Professor Bolesław Rok from the Center for Entrepreneurship 

Studies of Positive Impact of the Kozminski University and journalist Jarosław Horodecki.

In 2018, the Ranking of Responsible Companies was also accompanied by the Startup of Positive Impact Competition, 

in which  over  30  start-ups were  selected  from over  one hundred  registered  start-ups who,  through  their  innovative 

activities, contribute in a special way to a positive social change. Among the emerging start-ups were social entities, 

with whom Bank BGŻ BNP Paribas works: Łąka Foundation – a partner of voluntary work  “Let’s enclose our cities” 

implemented in May 2018, with which the Bank greened two hectares of common urban spaces in Warsaw and Krakow, 

Pszczelarium (“Beekeeping”) – partner of the “Pasieka pod gwiazdami” (“Apiary under the stars”) on the roof of the BGŻ 

BNP Paribas Headquarters at Kasprzaka  in Warsaw and Panato – partner of  the Bank and  the BGŻ BNP Paribas 

Foundation in the field of delivering responsible gadgets. Panato is a nationwide network of social enterprises employing 

the unemployed and with disabilities.

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• On31October2018,BGŻBNPParibasBankwasawardedforthemostinnovativeDataGovernancesolutioninthebanking

sectorduringInformaticaSummit2018.

• On17November2018,thebranchofBankBGŻBNPParibaslocatedintheformerSezaminWarsawreceivedtheprize

intheWarsawInvestmentwithoutBarriersCompetition2018fortheserviceproviderbestsuitedtotheneedsofdisabled

people.

The branch of Bank BGŻ BNP Paribas at Marszałkowska 126/134 received the prize in the Residential / office / commercial 

category. The amenities used in the ward are conducive to wheelchair users with mobility impairments, blind, visually 

impaired and deaf people. The building is also adapted to the needs of the elderly and young children. The competition 

was conducted by the Integration Foundation together with the Office of the Capital City of Warsaw as part of the Warsaw 

without barriers project. The award ceremony took place during the 23rd Grand Gala of Integration.

• On22November2018,BankBGŻBNPParibaswasawarded foranumberofcorporatesocial responsibility initiatives

intheBelgianBusinessChamberAward2018inthePlatinumcategory.

• On6December2018,BGŻBNPParibasreceivedthe“BusinessAwardforArchitectsofDevelopment”,whichisanaward

forthecommitmenttotheSDG11SustainableCitiesProgram,includingthefinancingofenergyefficiencyandpro-ecological

projects.

• On6December2018,BNPParibasreceived the titleofCentral&EasternEuropeM&AFinancialAdviserof theYear.

TheawardwasgrantedbyMergermarket.

• InMarch2019,inthe4theditionoftheInstitutionoftheYearrankingmaintainedbytheMojebankowanie.plportal,Bank

BGŻBNPParibaswashonouredwithstatuettesintwocategories:Bestservicequalityinthebranch–retailclient,andBest

companyhelpline.TheBankalsoreceivedadistinctionintheSociallyResponsibleBankcategoryforastrategicpartnership

with“SzlachetnaPaczka”(“NobleGift”).

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2. Economic responsibility of Bank BGŻ BNP Paribas – The Bank as an innovator

[GRI 103]

Wedefineabalancedapproachinthedimensionofeconomicresponsibilityaslong-termfinancingoftheeconomyandbuilding

long-termrelationshipswithclientsandotherstakeholdersinlinewithethicalprinciples.ThisapproachallowstheBanktobalance

thequalityoftransactionswiththeexpectedprofitintheshortandlongrun.

Thekeydimensionofourorganization’sresponsibilityistosupporteconomicdevelopmentinthelong-termthroughresponsible

client financing. We monitor CSR risks in sensitive sectors. Decisions regarding the financing are preceded by analyses

ofthesocial,economicandenvironmental impactofagivencompanyandenterprise.Inaccordancewiththedecisiontaken

bytheBNPParibasGroup,weare in theprocessofexitingfromfinancingthetobaccosector.Existingcustomermonitoring

standardsandsectoralpoliciesnowalsoincludeallclientsacquiredaspartoftheacquisitionofRaiffeisenBankPolska’score

business.We are gradually implementing customized procedures and areworking on unification of the offer for the clients

ofthemergedBank.Wecareaboutthequalityofservicesofferedandcustomersatisfactionaswellasmeetingthestandards

oftheBNPParibasGroup.

2018 in numbers:

16 434SocialPackageLeader accounts

1. firstinPolandofferforsocialeconomyenterprises

nearly 9 thousandinterviewswithclientsaspartofthedialogue

8CSRpoliciesinforceinsensitivesectors

160CSRanalysesperformed

about 85%ofexpenditureonproductsandserviceswaspurchasedfromlocalsuppliers–fromPoland

700participants of the 3rd edition of the Agro Academy

70workshopsand training for employeesaspartofTransformationWeek

7implementationsofinnovativesolutions,thankstocooperationwith start-ups

02.

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2.1 Responsible financing

Responsible financing at Bank BGŻBNPParibasmeans adherence to policies regarding sensitive sectors andmonitoring

ofsocial,economicandenvironmentalaspectsoftransactions.Forthispurpose,ourorganizationhasidentifiedandselected

sensitivesectors:coal,mining,defenceandsecurity,forestry,nuclearandagri-foodindustries.Theclientsoperatinginthese

sectorsareanalysedindetailbyourexpertsintermsofcompliancewiththeprinciplesofsustainabledevelopment.Inaddition,

allcurrentandpotentialclientsoftheBankoperatingintheabove-mentionedindustriesareinformedaboutCSRpoliciesand

receivethenecessarysupporttounderstandtheprocessofsuchanalysis.

Sector policies of BNP Paribas Group

Byimplementingthecorporatesocialresponsibilityobligations,theBNPParibasGrouphasintroducedCSRPoliciesregarding

thefinancingclientsoperatingineightsectorsidentifiedasparticularlysensitive.BankcoherentlywiththeGroup’sguidelines,

hasimplementedCSRPoliciesandontheirbasisprocessesofCSRAnalysisarecarriedout.ThankstoPoliciesCSRwemonitor

environmental,socialandmanagementrisks(ESGrisks).In2018,ourBankwasrealized160CSRanalyzes.

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Corporate Social Responsibility policies concern the following sectors:

• CSR policy towards the nuclear energy sector

TheBank,asafinancialinstitution,canofferitsproductsandfinancialservicestogovernmentunitssupportingcompanies

developingnon-militarynuclearenergy.TheBankbelievesthatforcountriesplanningtodevelopnuclearenergy,ornew

powerplants,aswellasfortheinternationalcommunities,itisnecessarynotonlytodealwiththerequirementsofsafety,and

protectingthepopulation,butalsotoactfortheprotectionoftheenvironmentforfuturegenerations.

Byapplying theCSRPolicy, theBankwould like toensure that theprojectsbeingfinancedcomplywith themonitoring

principlesaswellastheymitigatesocialandenvironmentalimpactinthenuclearenergysector.

• CSR policy towards the coal energy sector

Coalislargelyresponsibleforthehugeemissionofcarbondioxide(CO2)totheatmosphereandisoneofthemainfactors

ofclimatechange.In2017,BNPParibasBankdecidedtostopfinancinganyprojectsrelatedtotheconstructionofnewcoal-

firedpowerplants,tostopfinancingcoal-firedmines,andtosupportonlythosecompaniesfromthecoal-firedenergysector

thatareactivelyinvolvedinswitchingtoothertypesofenergy–inlinewithscenario2°CoftheInternationalEnergyAgency

(IEA).

• CSR policy towards the forest sector – wood pulp

Demandforpaperproductswill increase in thecomingdecade,whichwillaffectglobaldevelopment. Inconnectionwith

thewoodpulpproductionprocess, theBanknoted thatheavy industryactivityhasamajor impacton theenvironment,

pollutionofwaters,landandair,butalsoonthehealthandsafetyofemployeesofpulpmillsandsurroundingcommunities.

Basedonthepaperproductionchain,shareholdersrecognizedthatthegreatestimpactwillfocusonforestmanagementand

pulpproductionprocesses,soCSRpolicyfocusesonthesetwostages.

• CSR policy towards the forest sector – palm oil

Thedevelopmentofpalmoilplantationsmayhaveanadverseeffectonlocalcommunities,climatechangeandtheecosystem.

However,theseproblemsmainlydependonthemethodofoilproduction.

As a financial institution, the Bank wants to support responsible producers using sustainable development practices

inthepalmoilproductionsector.Therefore,itabstainsfromfinancingorinvestinginenterpriseswhoseactivitiesactively

contributetodeforestation(lossofdiversity,worseningadverseclimatechange,etc.)ortoenterprisesthatviolatetherights

oflocalcommunities.

• CSR policy towards the mining sector

Thepolicyhasbeendefinedinordertodefinespecificrequirementsthatmustbemetbyenterprisesandminingprojects

sothattheBankcanprovideitsproductsandservicestothem.Thispolicyestablishesadditionalcriteriathatmustbeaccepted

byminingandminingentities.

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• CSR policy towards the defence and security sector

TheprovisionsinthePolicyregardingdefenceandsecurityequipmentreferingeneraltoweapons(includingcontroversial

weapons),militaryequipmentanddual-useequipment,equipmentforinternalrepression,aswellasequipmentforinternal

securityandpolice.ThepolicydefinesasetofprinciplesandguidelinesregardingtheDefenceandSecuritySector,which

mustbeappliedbyallunits/organizationalunitsoftheBank.

• CSR policy towards the agri-food sector

TheBNPParibas Bank is involved in supporting the agri-food sector and therefore provides awide range of financial

productsandservicesforentities inthis industry.Theofferofproductsandservices isdirectedtofarmsandprocessing

companieswhosehighlevelofresponsibilitymanifestsitselfintheobligationtofeedpeoplewithhealthyandsafeproducts

in a way that does not jeopardize food supplies for future generations. Therefore, it does not contribute to financing

orinvestinginenterprisesusingagriculturalpracticesthatdonotmeettherequirementsofsustainabledevelopment,aswell

asthedestabilizationofthemarketforbasicagriculturalgoods.

Exit from the tobacco sector

AccordingtothepublicationoftheWorldHealthOrganization,operatingwithintheUNanddealingwithhealthcare,tobacco

isthecauseofdeath,whichwecaneliminatethefastest.Therefore,in2017,theBNPParibasGrouphasmadeaglobaldecision

toceaseitsfinancialandinvestmentactivitieswithrespecttoproducersoftobaccoproductsaswellasgrowersandwholesalers

whosemainactivityisrelatedtotobacco.

The new financing and investment rules result from theBNPParibasGroup’s commitment to financing the economywhile

maintainingapositiveimpactonallstakeholders.In2018,inlinewiththeGroup’sdecision,ourBankimplementedtheprocess

ofexitingtobaccosectorfinancing.

Bank BGŻ BNP Paribas ceases financing and investing in entities whose main activity is related to the tobacco industry.

Theintroducedrulesforfinancingthetobaccosectorincludeentitieswhosemainactivityisdirectlyrelatedtotobacco,including

producersof tobaccoproducts (e.g.cigarettes, chewing tobaccoandcigars)aswellasentities thatarepartof the tobacco

productionchain,includingfarmerscultivatingtobacco,distributorsandwholesalers.Theprinciplesintroduceddonotinclude

ownersoftobaccostoresandsellers,aswellasentitieswhoseactivityisrelatedtotobaccoindirectly;machinemanufacturers,

components used in themanufacture of cigarettes (e.g. cigarette papers, filters, packaging) and substitutes (e.g. electronic

cigarettes).

– The exit from the tobacco sector is a global decision of the BNP Paribas Group, which applies to all companies and countries in the Group’s operations. It is not addressed to clients individually, but is motivated by ethical and health factors resulting from the Group’s responsible approach to financing the economies. The ambition of the BNP Paribas Group is to finance economic development and, at the same time, exert a positive influence on all stakeholders. – Maria Krawczyńska, Manager of Corporate Social Responsibility at BGŻ BNP Paribas

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Responsible products and services

The first Bank offering products for social enterprises

BankBGŻBNPParibaswasthefirstbankinPolandtolaunchanofferforsocialeconomyenterprises.Thesearecompanies

that,apartfrommaximizingprofits,determinesocialgoalsandinvestprofitsineconomic,educationalorculturalactivity,theaim

ofwhichistheprofessionalandsocialintegrationofpeopleatriskofexclusion.

ThereareovertenthousandofsocialeconomyentitiesinPoland.Theyoperateinvariouslegalforms–asnon-governmental

organizations,socialcooperativesandoccupationaltherapyworkshops.Theiractivityhelpspeopleatriskofsocialexclusion,e.g.

byfindingtheappropriatejob.SocialenterprisesinPolandareatthestageofstrongdevelopment.In2017,only18%ofdisabled

peoplefromamong3millionofsuchpeopleover16yearsofagewereprofessionallyactive.Forcomparison,everysecond

disabledpersoninWesternEuropeancountrieshasajob.

– Social enterprises need external financing  to grow and run  their businesses on a wider scale. They use grants, donations and subsidies, but unfortunately, these are not always enough to provide money for ongoing operations and development of new projects. Bank’s financing is often not available to them because they are not able to meet the same conditions as typical enterprises, and thus have difficulty documenting  the  appropriate  creditworthiness. Meanwhile,  the  experiences  of  other  countries  –  such as Italy, Belgium, France and Luxembourg – show that social economy enterprises pay their liabilities more scrupulously than others. Hence, our idea of   cooperation with NESsT – an organization that has been operating on the Polish market since 2013 and which at that time gained extensive experience, providing direct  support  to  social  businesses  and  participating  in  initiatives  to  strengthen  the  social  investment sector. – Marcin Grabiszewski, Director of the Mortgage Banking Development Bureau at Bank BGŻ BNP Paribas.

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InapilotanalysisperformedtogetherwithNESsT,aninternationalorganizationinvestinginsocialenterprises,ourBankprovided

fundingtotheAssociationfortheDisabledPeople’sAssistancebelongingtotheNESsTportfolioinPoland.

Siedliskoprovidesa24-hourcareservicefortheelderlyandchronicallyillandrunsacateringcompany.Inadditiontoemploying

professionalstaff,it implementsvocationaleducationprogramsandcreatesjobsforyoungpeoplewithintellectualdisabilities

andlong-termunemployedpeoplewhocomefromthelocalrurallabourmarket.Thankstothefundingobtained,theAssociation

creates17jobsforpeoplewithdisabilities.

– The Polish labour market does not provide sufficient employment opportunities for people with intellectual disabilities.  These  young  people  need  specialized,  continuous  emotional  and  organizational  support. Many employers, despite  their sincere  intentions, are not  ready  to create  jobs adapted  to  the specific needs of people with intellectual disabilities. That’s why we created Siedlisko. The offer of our services corresponds to the needs of the local community and the competences of the disabled, to whom we provide 17 jobs. Our social company was created thanks to the determination of the leaders of the organization and co-financing from EU funds. We are glad that as the first social enterprise we use the offer of Bank BGŻ BNP Paribas. Such an offer will give a chance for development to many other social economy enterprises – especially those that base their activity on production and services. – Teresa Truch, Deputy President of the Management Board of the Siedlisko Association for the Assistance of People with Disabilities 

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Social Leader Package

By supporting the development of civil society, our Bank created a free account for non-profit organizations. The Social

Leader Package is a free account for social organizations. It is dedicated to entities that, while conducting their activities,

focusonsupportingaprivateorpublicgood,notguidedbyprofit, i.e.forsocialorganizationsorpublic-interestorganizations

whoseareasofspecialactivityarehealthprotection,broadlyunderstoodsocialassistance,charityandeducation.Theproduct

guaranteesfreeessentialbankingservicesandaminimumofformalities.Initiallyreferredtoasthe“Accountwithaheart”(“Konto

z serduszkiem”), it is a product of social innovation character,whichwas createdon the initiative of theBank’s employees

incooperationwithrepresentativesoflocalnon-governmentalorganizations.BankBGŻBNPParibasintroduceditinresponse

totheSocialDiagnosisconductedin2012,whichshowedthatoneofthereasonsforthesmallscaleofsocialinvolvementare

bankingservices–tooexpensiveandcomplicatedforNGOs.

YEAR NUMBER OF PACKAGES

2012 1 901

2013 5 506

2014 9 903

2015 11 000

2016 13 730

2017 14 756

2018 16 434

Key figures:

16 434oftheSocialLeaderPackageaccountsin2018

766newSocialLeaderaccountsin2018

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mamBONUS

mamBONUSisaloyaltyprograminwhichtheBank’sclientscansupporttheactivitiesoftheBGŻBNPParibasFoundation.

Duringfinancialtransactionsmadewiththeuseofacreditcard,clientscollectpoints,whichcanthenbeexchangedforvarious

discounts,prizesorvouchersforthesupportofparticipantsofthescholarshipprogram“Klasa”(“Class”)programimplemented

bytheBank’sFoundation.

Read more

Offer for citizens of Ukraine

BankBGŻBNPParibashasalreadyoperatedover12thousandofaccountsofpersonsholdingaUkrainianpassport.Thisputs

usattheforefrontofbankswithanofferforUkrainiancitizensinPoland,and,asresultsfromtheBankier.plreportpreparedinJuly

2018,alsoattheforefrontofbankswiththecheapestofferforthisgroupofclients.

AtBankBGŻBNPParibas,citizensofUkrainecaneasilysetupanOptimal(KontoOptymalne)andMaximumAccount(Konto

Maksymalne).Theprinciplesforopeningtheaccounthavebeencreatedforclientswhovaluetransparentandsimplesolutions

inbanking.Tocreateanaccount,itisonlyneededtohaveonedocument–aforeignpassportoraresidencecard.Forthisgroup

ofcustomers,theBankalsopreparedadedicatedwebsiteandadvertisingmaterialsinUkrainian.Inaddition,wehaveopened

internationalbranchesinWarsaw,Wrocław,Poznań,KrakówandGdańsk,wherecustomersarrivingfromtheeasternborder

can talk toanadviser inUkrainianorRussian. In theeventof languagedifficulties,ourBankalsoprovidessupport through

adedicatedhotlineavailableinUkrainianandRussian.

– With a view to the growing number of Ukrainian citizens working and living in Poland, Bank BGŻ BNP Paribas offers a package of solutions  that will help  them manage  their personal finances and access to banking services. Citizens of Ukraine, in order to be able to take full advantage of banking services (for example loans), must have a PESEL number. If the client is registered in Poland, has a valid passport and  visa,  the Bank’s  employees  can  help  him with  filling  out  the  application  for  the PESEL  number. Moreover, thanks to establishing cooperation with the mobile operator T-Mobile, Bank BGŻ BNP Paribas issues a prepaid card with an attractive offer for Ukrainian citizens, which is free of charge. The card can be activated in every branch of BGŻ BNP Paribas. – Karol Kamas, Director of the Transactional Banking Department at Bank BGŻ BNP Paribas 

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Supply chain management

[GRI 102-9], [GRI 204-1], [GRI 308-1], [GRI 414-1], [GRI 412-3]

Inorder toconducta responsiblepurchasingpolicyand incooperationwith thepurchasingdepartmentof theBNPParibas

Group,theCentralProcurementDepartmentofBankBGŻBNPParibassettledtheprinciplesofcooperationwithsuppliersinone

document.That ishowtheCSRDeclarationwascreated. Itaddresses the issuesof responsiblesupplierselectionprocess,

equaltreatmentofsuppliersinfinancialmattersandpromotionofsupplierssupportingCSRinitiatives.Thedocumentcontains

adiscussionoftherequirementsforsupplierswho,byacceptingthedeclaration,confirmcompliancewithethicalprinciples,respect

forhuman rights,workingconditions,non-applicationofdiscriminatorypractices,and,aboveall, implementationofactivities

relatedtoenvironmentalprotection.AcceptanceofourDeclarationshouldresultfromtheactualinvolvementofcompanies,e.g.

fromactivitiesintendedforthebenefitoflocalcommunitiesandconductingpro-environmentalactivities.

OurBankperiodicallyevaluatessuppliers. In2018,a total of 510ofour suppliers, i.e. about90%ofnewsuppliers, signed

the CSR Declaration. In 2018, Bank BGŻ BNP Paribas did not identify significant risks or violations in the supply chain.

Intheprocessofselectingsuppliersperformedinourorganization,thesigningoftheBank’sCSRDeclarationaccountedfor5%

oftheassessment.In2019,aspartoftheorganizationresultingfromthemerger,theprocedurespreviouslyappliedatBGŻBNP

Paribasforsupplierevaluationwillbeimplemented.

Itisworthnotingthatin2018,around85%ofexpenditureonproductsandserviceswerepurchasesfromlocalsuppliers–from

Poland.

Key  figures:

around 85%ofexpenditureonproductsandserviceswerepurchasesfromlocalsuppliers–fromPoland.

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2.2 Transparency and openness

Dialogue with clients

[GRI 102-40], [GRI 102-42], [GRI 102-43], [GRI 102-44],

The key group of our stakeholders are customers. They are the basis of our action, and their interest and satisfaction

–adeterminantof therationalityofourbusiness.Therefore, tomeet thechallengesposedbymoderncustomers,we focus

ontransparentandfriendlycommunication.Oneoftheelementsofthiscommunicationislisteningandanalysingthevoiceofour

clients,basedon,amongothers, internalandexternalqualityofservice tests.Weeffectivelyobtain thevoiceofacustomer

usingtraditional(branches)aswellasremotecontactchannelswiththeBank,suchasContactCenter,onlinebankingormobile

banking.ByimplementingtheNetPromoterScoreSatisfactionSurvey,eachtimewegivetheclienttheopportunitytoassess

contactwiththebankthroughtheprismoftheprobabilityofrecommendingittohisrelatives.Inaddition,duringtheassessment,

theclientcanfreelyreporttheircomments,observations,suggestionsforexpectationsorrecommendationsregardingservice,

products,proceduresor fees.The resultsof the researchobtained in thiswayareanalysed ingreatdetailand then,based

onthem,weundertakeactivitiesaimedatimplementingappropriateimprovementsoreliminatingdifficulties,andconsequently

meetingtheneedsandexpectationsofourclients.

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TheAdvocacyProgramisbeingimplementedthroughouttheBNPParibasGroup.Thisprogramfocusesontheexternalclient

on the one hand, and on the other – builds the organization’s relationship with the bank’s employees. Therefore, we also

implement improvements that integrateemployeesofdifferentareas intoacommongoal– improvingcustomersatisfaction.

Thankstotheimplementationofthe#Klientonlineplatform,severalthousandemployeesofourbankcanlistentothecustomer’s

voiceonsatisfactionsurveysaswellasfromoperationalsourcesonanongoingbasis.Welistentotheclient’svoicemonthlywith

atotalof10contactchannels,4operationalsourcesandexternalrankings.Employeesoftheexaminedstructuresuseamodern

tool,wheretheresultsarepresentedonlinealongwiththecommentsofclients.Theplatformcollectsmonthlynearly9thousand

ofinterviewswithclientsandapprox.150thousandofoperationalinteractions,i.e.complaintsandopinionsfromonlinebanking,

whichareanalysed.

In2018,weconductedcustomersatisfactionsurveysthroughtelephone,internetandIVRsurveys(interactivevoiceresponse

–asystemthatenablesinteractivecallerservice).WealsorancustomerinquiriesbytheClientOmbudsman,andthus,ondirect

contactwithclients.Anadditional, indirect formofcontactwas theanalysisofproblemswithwhichclients report toservice

channelsattheBank.

Wehave introducedmanychanges in thefieldof loanservice. In theareaof cash loans,wehaveautomated theprocess

toagreaterextentsothatcustomerscanreceivedecisionsfaster.Intheareaofmortgageloans,wehaveimplementedsolutions

thatarrangethecreditprocessinawaythatwouldimproveitseffectiveness,andalsotheprocessofinformingtheclientabout

the status of the applicationwhile waiting for the decision.We have implemented new standards of customer service and

wearefinishingworkonsimplifyingthecreditcardstatement(customershadaproblemunderstandingthestatements,wewant

tochangeit).Wearepreparing,amongothers,forseriouschangesinthecomplaintprocesses,aswellastosealandorder

theprocessofreceiving,registeringandforwardinginquiriesofcustomersenteringtheBank.Fromthecustomer’spointofview,

theimplementationofthenewonlinebankingwillbecrucial.

In 2019,we plan not only to develop the #Klient platform, but primarilywewant to focus on the knowledge resulting from

thewholeoftheanalyseddata.Ineverybusinesslinewehavetheso-calledfriendoftheclientresponsibleforworkingwith

theresultsofresearchandanalysis.Wearealsoplanningfurtherdevelopmentintermsofthenumberofplacesandthequality

ofhowwelistentothevotesofcustomers.Westrivetotakeintoaccounttheopinionsandexpectationsofcustomerswithevery

action,implementationandprocessmodelling.

“Tacy Sami” Campaign

In2018,aninternal“TacySami”campaignwasconductedatBankBGŻBNPParibas.Thecampaignwasaimedatsupporting

theQUALITYstrategypillarandmotivatingemployeestocometogethertodevotewhatcanbedonetominimizethenumber

ofnegativesignalsfromcustomers.

Tothisend,inthesummerof2018BankBGŻBNPParibasorganizedthefirstworkshopundertheslogan“FamilyofClients”,

showingemployeesofourorganizationwhattheBank’sclientsthinkandfeel.TheworkshopsremindedthateachoftheBank’s

employees in different situations is also a client; e.g. in the shop, the cinema, the office.Then he also has his needs and

expectations.Regardlessofthetimeandplaceofservicechosen,customersexpectthattheywillbeheard,understoodand

thatappropriateactionswillbetaken.Theywillbesatisfiedifthematterissettled“onthespot”andtheinformationprovidedwill

beunderstandable.SatisfiedcustomerswillcomebacktotheBankandrecommendittotheirfriends.

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Almost 50 people from various organizational structures participated in the workshop. Everyone listened to and analysed

customerstatementsfromNPSandcomplaints.Peoplewere lookingfor“painpoints”–critical issuesfromthepointofview

ofclients.Onthebasisofthemapofempathydevelopedattheworkshop,almost140initiativeswerecreated,theimplementation

ofwhichshouldprovidecustomerswithsimplerandmoresatisfyingservice.ManyofthemdonotrequirelargeresourcesorIT

involvement,sotheycanbeimplementedquickly.

Wecareaboutconsistentandlastingimprovement.Wedonot“sew”solutionsundertherankings–wewanttoresponddirectly

totheneedsofourclientsregardlessofthechannelortheselectedproduct.

– Today’s customers are demanding and more aware than just a few years ago. Therefore, they expect not only to settle their case during the first contact, but above all exceptional treatment. Today, our competitors are  not  only  the  remaining  banks  or  financial  institutions  –  the  client  over  the  expectations  towards us translates everything he experiences on the market – regardless of whether he buys clothes, a trip or coffee. Not only an attractive offer decides about the choice of the bank: the entire market competes with the quality of service and, above all, the uniqueness of emotions that the client experiences in contact with  a  given  company.  –  Małgorzata  Kamińska,  Director  of  the  Customer  Experience  Management Department at BGŻ BNP Paribas 

Aspartofthecampaign,threeprinciplesrelatedtocustomerservicewereestablished:

• welisten,i.e.weimplementandanalysecustomersatisfactionsurveys,includingNPSandMysteriousClient;

• weunderstand–eachcaseisanalysedintermsofrelevanceandreachingaspecificfactthataffectedit.Thisdataallows

ustoplanactivitiesleadingtoimprovementofagivenprocessordevelopmentofthedesiredmodelofbehaviourorbehaviour

standard;

• weoperate–implementationofplannedchangesand...re-examiningwhethertheymeetcustomerexpectationsin100%.

SME Customer Council

Customers’voicesallowustolistentotheperiodicsubstantivemeetingsforkeyclientsfromtheSMEandAgrosector,namely

Customer Councils. Themeetings have the form of a partnership dialogue, aimed at establishing closer relationships with

clients,understanding theexpectationsandopinionsofclients influencing thebuildingof theBank’scompetitiveadvantage.

From2017,theCustomerCouncilhasanewformula;meetingshavebeenenrichedwithpresentationsofthemostinteresting

youngtechnologycompanies,whosesolutionscansupport thedevelopmentof theBank’sclients’business.Sucha formula

allowsnotonly for theexchangeofexperiencebetween thebankand theclient,butalsogivesbothpartiesabroaderview

ofthebusinessenvironmentandtheever-growingimportanceofnetworking.Presentationofthebestpracticesandthebiggest

challengesrelatedtomoderntechnologicalsolutionsisanaddedvalueofourofferforclients–supportforcompaniesmanaged

bytheBank’sclients.

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Care for the highest quality

Client’s Ombudsman

Due toour concern for thehighestquality, the institutionof theClient’sOmbudsman functions inourBank fora long time.

TheCustomer’sOmbudsmantakescareofcustomersatisfactionandanopendialogue,whichisthekeytobuildingrelationships

basedontrustandpartnership.HerepresentstheinterestsofclientsindealingwiththeBankandmediatesinthefinalexplanation

oftheproblemsthatarise.Itconstitutestheappeallevelinasituationwhentheprocessofconsideringcomplaintsdoesnotmeet

theexpectationsofclients.

CasesthatwereanalysedbytheCustomerOmbudsmanin2018:

• 23%–creditcardsand,mainly,accruedfees,unintelligiblepostings,promotionalprograms,

• 12%–personalaccountsand,mainly,promotionalprograms,accruedfees,terminationissues,

• 11%–cashloansand,mainly,promotionalprograms,datainBIKandMIGdatabases,issuesofterminationofthecontract,

• 8%–Sygmainstalmentloansanderroneousaccounting,balanceissues,datainBIKandMIGdatabases,

• 7%–mortgageloansand,mainly,loanparameters(interestrate,margin),feesandcommissions,

• 7%–debitcardsand,mainly,fees,commissionsandwithdrawalsfromanATM.

In2018,theCustomer’sOmbudsmaninourBankreceived2,062casesdirectlyfromclientstobeanalysed(69outofthesewere

addresseddirectlytotheMembersoftheBank’sManagementBoard).

ChannelsofsubmissionofthecasestotheCustomerOmbudsmanin2018:

• 74%–viae-mail:rzecznik.klienta@bgzbnpparibas.pl

• 18%–deliveredbypost

• 4%–receivedviatheformonthewebsite

• 2%–leftinfacilities.

FormsofresponsestomattersthatarereceivedbytheCustomer’sOmbudsman:

• 54%–lettertothecustomer

• 45%–e-mail

• 1%–messageintheonlinebankingsystem

TheservicesprovidedbytheCustomer’sOmbudsmanin2018wereusefulfor:

• 83%–individualcustomers

• 13%–companies

• 3%–personswhoarenotcustomersoftheBank

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At least 83%ofClientswere satisfiedwith theway they solved their case.Noneof these clients hadmore thanone case

registered during the year.

Complaint management

The complaint management process in our organization is centralized. The correctness of the whole process is regulated

by internalproceduresensuringacleardivisionof the rolesof theunits involved inhandling thecomplaint.Theprocedures

developedbyourorganizationclearlyspecify the responsibility for theentireprocessand its individualparts,aswellasset

thetimeframeforperformingspecifictasksintheprocess.Proceduresgiveouremployeeshandlingcomplaintstheopportunity

tomakespecificdecisions–sothatthecustomercanbeservedefficientlyandcomprehensively.

All complaints coming to our Bank aremonitored from themoment theywere received – themost convenient channel for

thecustomer,andthemomentofsendingbackthereply–alsointhemannerchosenbytheclient.Ateachsignificantstage

oftheprocess,measurementsaremade,whichallowstheBanktoundertakeactionsaimedatfurtherimprovementoftheentire

process.

Complaints in 2018

In2018,atotalof80,773claimswerefiledwithBankBGZBNPParibas.FromNovember2018,afterthemergerwithRaiffeisen

Bank,thisnumberincreasedbyadditional3,112cases.

Customersmainlyadvertisedfeesandcommissionsonaccounts.ThiswasmainlyduetothefactthattheFeeandCommission

Tariffwasupdatedin2018,whichcustomerswereinformedwellinadvance.ThankstotheTOiPupdate,notonlytheoffer,but

alsothepricingpolicyoftheBankisevenmoretransparent.Complaintsalsoconcernedpaymentcards.TheBanksuccessfully

migratedtheremainingpoolofcreditcardstothecardoperatingsystem,whichallowsforcomprehensiveserviceofthisproduct

–includingcomplainthandling–inoneplace.Toalesserextent,customercomplaintsconcernedloansandonlinebanking.

Theaveragetimeneededforaresponsetoacomplaintwas12.7businessdays. In December 2018, the time needed for

a response was shortened to about 9 days, which is a good prognosis for achieving better values of this indicator

in the next year.

In order to shorten the complaint process,we perform detailedmeasurements of the entire process, both quantitative and

qualitative.WelistentothecustomerfeedbackcollectedintheNPSstudyandtrytoplanactionsinareasidentifiedbythem

asneedingimprovement.Thisalsoappliestothecomplaintprocess.

In2018,wecontinuedtoimproveourtoolandprocessworkshop.Wehaveidentifiedthenecessaryactions–mainlyinthearea

ofoperationalimprovement,whichwethenweimplemented,andasaresultshortenedthedeadlineforrespondingtocomplaints.

Theseactivitiesincluded,amongothers,systemicchangesaswellasadjustmentstotheimplementedPSD2directive.Weare

openingupmoreandmoretoourclients–alsointheareaofreportingcomplaints.Customerscanalsosubmitapplications

infacilitiesdesignedaccordingtothenewmodelandviachat.

Employeeshandlingcomplaintsparticipatedinaspecialtraining,theaimofwhichwastomakethemawareofhowclientsfeel

complainingaboutwhattheyexpectandwhattheypayattentionto.Wetrytousetheknowledgeacquiredinthiswayinpractice.

ThegrowingvalueoftheNPScomplaintsindicatorconfirmsourbeliefthatweareontherighttrack.

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In2019,a reviewof theentirecomplaintprocess for themergedBank isplanned,whichwilloperateassoonas the target

unificationofthebankingsystems.Itaimstodeveloprecommendationsregardingpossiblechangesintheoperationofsystems

andtoolstosupporttheseprocesses.

ThemostimportantchallengefortheBankintheareaofcomplaintsistheoperationalmergerwithRaiffeisenBankPolskaS.A.

Themergerwillrequiresomeproceduralchangesinthemanagementofthecomplaintarea.Goodcooperationfromthevery

beginningallowedfororganizingthecomplainthandlingmethodinsuchawaythatclientsofanyoftheBankswouldnotfeellost.

Despitethetemporarylackofacommonsystem,theexchangeofinformationregardingthehandlingofcustomercomplaints

until recently by two separate institutions runs smoothly.Themerger of banks brought added value; gave our organization

theopportunity to verify theactions conducted in the fieldof complaint handling.Aproject is currently underway, the result

ofwhichwillbetheestablishmentofanoptimalcomplaintprocess.Wealsofocusonremotechannelsofcontactwiththeclient

–alsointhecaseofcomplainttopics.Thecooperationestablishedbeforeandduringthelegalmergerconfirmedourbeliefthatall

ourclientswillsoonbenefitfromthemutualexchangeofexperience.Bycollectingbestpracticesfrombothbanks,wewillbeable

toofferthemanevenbetterwaytohandlecomplaints.

Improvements in customer service

2018wasinourorganizationatimeofintenseworkonimprovingcustomerservice.Wehaveintroducedanewformatinthe11

branchesof theBank, theso-calledhospitalityzone.Theseplacesallowcustomerstowork independently,meetcontractors

orusethefreeWi-Finetwork.Apleasantatmosphereistheimportantcharacteristicofthoseplaces–thetimespentintheBank’s

branchisenhancedbyspeciallyselectedfragrances,soundsofnatureandadrinkzone.

In order to improve customer service,we have implemented informing customers and advisers about failures and planned

workaffectingtheavailabilityofservicestoclients.Wherepossible,includingintheareaofcashloans–weintroducedprocess

automation.Thisallowedtoincreasethespeedofissuanceofcreditdecisionsandshortenthetimeofcustomerservice.Wehave

alsointroducednewfunctionalitiesinthemobileapplication,includingforeignlanguageinterface:UkrainianandRussian.

Plans for2019areassumingequally intensivework in thisarea.Because themerger isnoteasy for theorganization from

thepointofviewofcustomerservice,andwewantourcustomerstofeeltheconnectionaslittleaspossible,in2019weintend

tolistentotheCustomerVoicefrombothmergedorganizations.Itwillbeparticularlyimportantforustoquickly“catch”potential

alarmingsignals.

FromJanuary2019,ourbrancheshaveanewstandardofservicebasedonthebestsolutionsavailableonthemarketandinboth

banks.Itconsistsinfocusingontheeffectiveuseofcustomertimeandmeansfreeconversationbetweentheemployeeand

theclient–withoutimposingwordingsandarigiddivisionintosubsequentpartsoftheservice.

In2019,businessprioritiesrelatedtocustomerservicewillinclude:newonlinebanking,buildingcustomerawarenessinthescope

ofpossibleself-serviceandincreasingthenumberofcasesthatthecustomerwillbeabletosettleonthefirstcontact.Weplan

toimplementclearinformationforclientsregardingthetimeofhandlingacase,applicationandinstruction.Thechangeswillalso

includetheprocessofcirculationofcorrespondencefromclients–regardlessofthechosenchannelofcontact,thecustomer

willbedeliveredauniformstandardandtimeliness.Animportantchangewillalsoberelatedtothemonitoringofthepromotion

–fromthemomentofpreparingtheconditionstothemomentofusingbytheclients.Shorteningtheserviceprocessshouldalso

beaffectedbytheplannedsimplificationofdocuments.

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A separate issue is themanagement of the area of customer relations as a result of the acquisition of the core business

ofRaiffeisenBankPolska.Theintegrationoftwobankingenvironmentsdependsonmanyfactors,includingsystemintegration

andprocessintegration.Theorganizationisalreadyconductingactivitiesthatwillstandardizetheserviceinallcontactchannels

intheshortestpossibletime.Targetsolutionswillbebasedonthebestinternalandmarketpractices.Weactdynamicallysothat

thechangestakeplaceassoonaspossible,andtheclientsdonotfeeltheinconveniencerelatedtotheorganizationalchange.

Wehavecreateda complaint project andstandardized customer satisfaction surveys.Whereverpossible,wehavealready

unifiedprocesses(e.g.handlingofcasesbytheCustomer’sOmbudsman,commonstandardofcustomerserviceinthebranch).

– We are in the process of integration, so the biggest challenge is to maintain and improve the quality of customer service despite ongoing integration processes. We set ourselves a high bar and activities related  to  the  transformation of  the Bank  towards  the customer are happening and will be conducted on a large scale, despite additional tasks related to the merger of two organizations. I think that customers will be able to experience a new standard, built on the basis of shared experience of both banks, and they will like new branches. The biggest “gift” will be a completely new, intuitive and modern electronic banking, which we build with them. – Przemysław Furlepa, Vice-President of the Management Board of Bank BGŻ BNP Paribas responsible for   Retail and Business Banking Area

Responsible sales and communication

[GRI 103]

Protection of customer privacy

Wemakeeveryefforttoensurethatoursalesandcommunicationmeetthehigheststandardsofresponsibility.Inallbanking

processes,weattachimportancetosecurityandtrust.Ine-transactionprocesses,weusedataencryptionandsomeadditional,

digitalmethodsofcustomerverification.

The IBM Trusteer Rapport tool that ensures the security of electronic transactions

TrusteerRapportisprovidedtoourclientsfreeofchargé.ItisanadvancedsoftwaredevelopedbyIBMtoprotectagainsttheft

of bank data transmitted electronically. By securing the internet connection and creating a safe communication tunnel with

the bank’swebsite, theTrusteerRapport software blocks theft attemptsmadebymalicious software, including identity and

fundsfromcustomeraccounts.Thesolutionisrecommendedasanadditionallayerofprotection–complementingtheantivirus

orsecuritysoftwareusedbytheclient.

OurBank’scustomerscandownload theproduct freeofcharge fromourwebsite:Thesoftware is installed inasimilarway

tootherantivirussolutions.Asstatisticsshow, thesoftwareperformswell.Noneof theBank’sclientswhodecided to install

thesolutionbecameavictimofasuccessfulhackingattackontheircomputer.

Read more

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Compliance with laws and regulations

[GRI 206-1], [GRI 417-3], [GRI 418-1], [GRI 419-1]

In 2018, the Bank acted as a participant in one uncompleted proceeding regarding behaviour that violated the freedom

of competition. On 25 October 2017, the Supreme Court issued a judgment by virtue of which it overruled the judgment

ofthesecondinstancecourtandremittedthecaseofthedecisionofthePresidentofUOKiKof29December2006,pursuant

towhich20banks,includingBankBGŻandFortisBankPolska,regardingthepenaltiesimposedinconnectionwithrestrictive

practicesintheformofsettinginterchangefeesontransactionsexecutedwiththeuseofVisaandMastercardpaymentcards

inPoland.TheacquisitionofRaiffeisenBankPolska’scorebusinesson31October2018didnotaffect theBank’sposition

intheproceedingsinanyway.RaiffeisenBankPolskawasnotrecognizedasapartytothisproceedinganddidnotparticipate

in it.

Throughout2018,45complaintsregardingbreachesofcustomerprivacyanddatalosswerereceivedbytheBank(networkand

headquarters).Thecomplaintswerecausedby:sendingdocumentsinpaperversionorbye-mailtoinappropriaterecipients,

sendinge-mailstomanyrecipientswithouttheuseoftheGroupandlosingthedocumentatthearchivingstage.Banksreceived

58complaintsatthattime.

In2018,intheBank’sGroupcompanies,therewerenocasesofnon-compliancewithregulationsandvoluntarycodesregarding

marketingcommunicationornon-compliancewithlawsorregulationsinthesocialandeconomicarea.Nofinesornon-financial

sanctionsfornon-compliancewithlawsandregulationsregardingenvironmentalprotectionwereimposedontheBankandits

subsidiaries.

2.3 Support in clients’ development

Foreign Trade Program

MoreandmorePolish companieshave international ambitionsandplans.Our organizationwants to support and stimulate

theexpansionofdomesticenterprisestoforeignmarkets.Itisnotlimitedtoexports,asimportisequallyimportantintheera

ofglobaltradeandthesupplychain.Inordertomakeiteasierforcompaniestoexpandintoglobalmarkets,BankBGŻBNP

Paribastogetherwiththecoalitionofpartners:BisnodePolska,KUKESAandthenewspaper“Rzeczpospolita”launchedajoint

initiativecalledtheForeignTradeProgram.

ThepurposeoftheForeignTradeProgramistosupportdomesticentrepreneursinforeignexpansionbyprovidingthemwith

moderntoolsandreliableandreliableinformation.Theprogramwascreatedforcorporationsthatarealreadyexporters,importers

orarejustplanningtostartforeignexpansion.Programparticipantshaveaccesstotheknowledge,know-howandexperience

ofindividualProgramPartnersintheareaofsearchingfornewmarkets,analysesandreportsonselectedindustriesorseeking

reliablecontractors.Companiesparticipatingintheprogrammayalsobenefitfromsupportonforeignmarketsusingthecoverage

andgeographicalpresenceofProgramPartnersfromtheGroupofthePolishDevelopmentFund,i.e.KUKE,PAIHandnewly

createdTradeOffices,whichreplacetheformerWPHI.

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AllmeetingsoftheForeignTradeProgramwereverypopular.Intotal,in2018,1950companiesinterestedinexportingoractively

involvedintheprojectparticipatedintheproject.Inresponsetoanumberofinquiriesfromentrepreneurs,ourBanktogetherwith

itspartnersintendstocontinueeducationalactivitiesundertheForeignTradeProgramin2019.

More information

– More and more Polish companies have international plans and ambitions, and Bank BGŻ BNP Paribas, wants to support and stimulate the expansion of domestic enterprises to foreign markets. We do not limit ourselves to exports, as import is also important in the era of global trade and the supply chain. We offer our clients a unique combination of international experience and a network of contacts necessary to plan operations  in new markets. The Foreign Trade Program aims  to  familiarize Polish entrepreneurs with the specificity of international markets. – Jerzy Śledziewski, Vice President of the Management Board, responsible for SME and Corporate Banking Area

Read more here.

Business Academy

BusinessAcademyisaseriesofmeetingsaddressedtosmallandmedium-sizedenterprises–currentandpotentialcustomers

oftheBank.Itconsistsinsupportingentrepreneursinincreasingtheireffectivenessonlocalandforeignmarkets.Thankstoplenary

sessionsconductedbyexperiencedexperts,speciallypreparedfortheproblemsofSMEs,entrepreneursgainknowledgeonhow

tostrategicallymanageacompany.Duringtheworkshops,theyhavetheopportunitytochecktheacquiredknowledgeinpractice

andtoexchangeexperienceswithotherentrepreneurs.

In2018, thethemeof themeetingswas“Entrepreneur inachangingworld”.Experts fromBankBGŻBNPParibasprovided

entrepreneurswith informationon changes related to, amongothers, provisionson theprotectionof personal data, tax law

and legal provisions regarding changes for entrepreneurs. In a loose form of business breakfasts, customers could listen

toalecturebyProfessorMarekBelkaaboutmacroeconomictrendsimportantfromthepointofviewofentrepreneurs,comments

oncurrenteconomicandpoliticaleventsandforecastsforthefollowingmonths.BusinessAcademyparticipantsalsoparticipated

inaworkshopwithBankexperts,thebusinesscaseinvolvingtheresolutionofcomplicatedfinancialtransactions.Customers

changedroleswithbankingadvisorsandweretaskedwithprovidingfinancingtotheKreatywnyStolarzcompany(acompany

foundedfortheneedsoftheBusinessAcademy).

TheBusinessAcademyaimstosupportentrepreneursinincreasingtheireffectivenessonlocalandforeignmarkets.Thanks

to plenary sessions conducted by experienced experts, specially prepared for the problems of SMEs, entrepreneurs have

acquiredatheoreticalviewonthestrategicmanagementofthecompany.Duringtheworkshops,theyhadtheopportunitytocheck

theacquiredknowledgeinpractice,aswellastoexchangeexperienceswithotherentrepreneurs.WorkshopswithintheBusiness

Academyhavebeenheldsince2013.Sincethen,over600entrepreneursparticipatedinthemeetings.

Read more

See

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Innovative Client Contest

In 2018, the fiftheditionof the InnovativeClient forBGŻBNPParibaswasheld.Theaimof the competition is to promote

innovationasawaynotonlyforthesuccessofthecompany,butalsoforthesuccessofthecommunityinwhichthecompany

operates.TheInnovativeClientisacompetitioninwhichtheBankawardsthreecompaniesintheBusinessInnovationcategory,

threeintheInternationalExpansioncategoryandtwointheSocialInnovationcategory.

Businessinnovationisunderstoodastheimplementationintheenterpriseofneworimprovedproductsandservices,theintroduction

ofanewtechnologicalprocessordistributionmethod, including thoseresulting fromappliedresearchordevelopmentwork,

whichultimatelyledtoanincreaseinproductionefficiency.

InternationalexpansiondefinedasthesuccessonglobalmarketsachievedbyenterprisesoperatingontheterritoryofPoland.

Socialinnovationisdefinedas“aninnovativeideatosolveasignificantsocialprobleminagivenenvironment”.

Split Payment

In2018,BankBGŻBNPParibas, togetherwiththeGrantThorntonconsultingcompanyconducted12workshopsinPoland,

inwhichalmost500companiesparticipated.During themeetings,wediscussed issuesrelated to thenewtypeofpayment,

andwealsoansweredquestionsaboutnewregulations.Thepurposeofthemeetingswastoprepareclientsforthechange

in provisions concerningSplit Payment, i.e. issues related to the split paymentmechanism,whichmay result in significant

difficultiesinthefinancialliquidityoftaxpayers.Theprinciplesandconsequencesoftheapplicationforthesupplierandbuyer

havebeenpresented,includingthebenefitsandburdensresultingfromitsuse.TheBankpresentedthemethodofinterpretation

ofnewregulationsandpreparefortheexecutionofsplitpayments.Thepurposeofthemeetingswasalsotoprovideentrepreneurs

withthelegal,taxandfinancialaspectsofthedistributedpaymentmechanism.Eventparticipantscoulddispeltheirdoubtsand

getexpertanswers.

TheseriesenjoyedgreatinterestfromthecurrentandpotentialcustomersoftheBank.Itwasattendedbybothbusinessowners

andrepresentativesoffinancialandaccountingdepartments.Participantspraisedtheintuitivenessofthenewtransfermodel

ofourBankenablingtheexecutionofsplitpayments,whichminimizestheprobabilityofthecommissioner’smistake.

FirmApp

Inthechangingworld,newtechnologiesallowustobetterrespondtoourexpectations.FirmAppisacommunicationplatform

between theBankandSMEclients–anapplicationwith intuitivenavigation, clear structureand richcontent,whichaffects

theeaseofitsuse.Thepurposeofcreatingtheapplicationwastheneedtohaveaconvenienttoolavailableonthesmartphone

ofeverymodernbusinessman.

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TheFirmAppapplicationincludes,amongothers:

• Industryanalysisandbankreports,

• Informationrelatedtodailybusiness,e.g.businessnews,

• Freeinvitationstoconferences,trainingandknowledgebase,

• Freeinvitationstoconcerts,eventsandlocalevents.

We support a neighbourly business

Thinking aboutClients from the segment of small andmedium-sized enterprises,we have created a nationwide campaign

tosupportNeighbourhoodBusiness.Thecampaignisasocialcampaignencouragingtheuseofproductsandservicesoflocal

companiesandpromotingtheideaoftheimportanceofneighbouringbusinessinlocalcommunities.Aspartofthecampaign,

the website www.sasiedzkibiznes.pl was created, from which both companies and consumers can obtain information

onthebenefitsofparticipatingintheprojectandregistertheirparticipation.

ThesocialcampaignWesupportneighbourlybusinesswasinitiatedin2016.

Inthethirdeditionofthecampaign,inMay2018,nearly4,700localcompaniesparticipatedinover1,000citiesthroughoutPoland.

ThehighlightwastheBusinessNeighbourWeekthatlastedfrom28Mayto3June2019.Theambassadoroftheactionwas

RobertMakłowicz.CompaniestakingpartinthecampaigncouldadditionallywinPromotionalPackagesontheimplementation

ofcampaignsorpromotionalactivitiessupportingtheircompany.

Almost18,800localcompaniesfromover1,500townshaveparticipatedinthreeeditionsofthecampaign.

2.4 Food&Agro development

AGRO HUB

InApril2018,AgroHuboftheBNPParibasGroupbeganitsoperations.ThegoalofAgroHubistocreateacompetencecentrefor

theFood&AgrosectorforbanksandcustomersfromtheBNPParibasGroupinCentralandEasternEuropeandAfrica.Bartosz

Urbaniak,long-termmanageroftheAgroareaatBGŻBNPParibas,isthenewentitylocatedinWarsaw.

– After several years of preparation for this project, the time has come for the action. The pilot phase has brought us very encouraging results. We are now facing a new challenge, we will share “Polish know-how” in the countries of Central and Eastern Europe and Africa, where companies from the BNP Paribas Group are present. We treat the decision as a proof of our shareholder’s recognition and trust in what we do in Poland, and how we do it. – Bartosz Urbaniak, Head of Agro Banking at BNP Paribas for Central and Eastern Europe and Africa 

TheBNPParibasGrouphasrichinternationalexperienceinservicingtheagri-foodsector;istheEuropeanleaderinfinancing

theleasingofagriculturalmachinery,inTurkeyandtheUSA,thebanksoftheBNPParibasGroupareamongtheleadingbanks

intermsoffinancingoperations.

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AgroHuboftheBNPParibasGroupistobecomeaplatformforinternationalcooperation,asourceofinspirationforcompetition

andaresponsiblestimulatorforthedevelopment,expansionofproductionandgainingnewmarketsfortheagri-foodindustry.

AgroHub’sactivitieswillalso includedefiningasectoralstrategy,proposingcomprehensiveproductsandoptimalsolutions,

cooperatingwithagroentitiesinCentralandEasternEuropeandAfrica,aswellaseducationalandinformationactivities.

Read more

Read the reports by AGRO HUB:

• Youth and women being the key for the future of the global agri-food industry:

• Polish agri-food sector after regaining independence:

Product offer for Food & Agro customers

Do you know that…to feed 9.8 billion people in 2050, the availability of food will have to increase by 60% by that time? At the same time, the Food and Agriculture Organization of the United Nations (FAO) estimates that one-third of the food currently produced is wasted, which is a global economic and social problem. (Source)

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In 2018,BankBGŻBNPParibasprepareda special offer for farmers. It included loansgrantedon favourable terms, such

asnocommissionand lowmargin,e.g.at the levelof0.99%,aswellasattractive interest-bearing termdeposits.TheAgro

Ekspres revolving loan is granted in a current account for 5 yearswith the possibility of renewing for subsequent periods.

Aftertheproductislaunched,eachpaymentiscreditedtowardstherepaymentoftheloan,whichenablesitsre-use.Theloan

isavailablewithoutcommissionforgranting,withalowWIBOR3Minterestrateandamarginrangingfrom0.99%to3.99%,

dependingontheselectedlifeinsuranceoption,totheextentspecifiedbytheBank.AgroProgresandAgroLiderarerespectively:

investmentloanandamortgageloanallowingforlong-termfinancingofland,equipmentorfinancingforanypurposerelated

torunningtheholding.Theseproductscanalsobeobtainedwithoutcommissions,andbothnewandexistingcustomerscan

takeadvantageofthespecialoffer.FarmerswhojoinedthegroupoftheBank’sclientsduringthepromotionperiodandwho

havesurplusfunds,havetheoptionofplacingthemona1-,3-or6-monthtermdepositwithanincreasedinterestrateof2.1%,

withoutlimitingthenumberofdeposits.

For2019,ourBankpreparedanotherpromotionalofferofproducts–supportingloansforfarmers;newandcurrentcustomers

oftheBank.TheconditionfortakingadvantageoftheofferbynewclientsoftheBankisrelatedtoopeningacurrentaccount

as part of theAgro LiderPackagewith a debit card.Among the products,wehaveKredytAgroEkspres, providedwithout

commission, for any purpose related to the holding, in particular for the purchase of necessary agricultural production and

repaymentofdebtinotherbanks,aswellasAgroProgres–aproductforawiderangeofplannedinvestmentsinthefarm,and

primarilyforthepurchaseofland.Specialapplicationsforthefinancingofthepurchaseandinstallationofphotovoltaiccellshave

beencoveredinthepromotionofspecialconditions.TheamountofphotovoltaicloanrangesbetweenPLN60thousandandPLN

300thousand,withthecreditingperiodupto10yearsandtherequiredownshareoftheclientatthelevelof15%.Wealsooffer

Unia+loanfortheimplementationofprojectsco-financedfromEUfunds,withaloantermupto15yearsandowncontribution

from10%ofthetotalcostoftheproject.ThroughourBank,farmerscaninsurecropsagainstdamage.Weareaninsuranceagent

ofConcordiaPolskaTUW.Weoffercropinsurancefor:hail,fire,hurricane,torrentialrain,springfrosts,dreams,negativeeffects

ofwintering,andwegiveourclientstheopportunitytogetinsurancepremiumsfromthestatebudgetupto65%.Wealsooffer

AgroKonsolidacyjnyloanforpersonsandentitiesengagedinmanufacturingactivityinagriculture,allowingthetransferofseveral

liabilitiestooneBankandconversionofthemintooneloan.Ourconsolidationloanconstitutesoneliabilityinsteadofseveral

previouscharges,onerepaymentdateforcombinedliabilities,alongerloanperiod,ahighmaximumamountandthepossibility

ofreceivingadditionalfundsforrunningtheholding.

Read more

Agro-initiatives

Agro Academy

Do you know that… the agricultural sector is currently the largest employer in the world? (Source)

InFebruary2018,ourBankorganizedthe3rdeditionofAgroAcademy–freecontent-relatedmeetingsforfarmers,duringwhich

expertsfromvariousfieldscooperatingwiththeBanksharetheirknowledgewithcurrentclientsoncurrenttopicsconcerning

Polish agriculture.AtAgroAcademy meetings, farmers-entrepreneurs interested in expanding their knowledge about farm

developmentandusingitinrunningtheirownbusinessareinvited.

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Thesubjectofthe3rdeditionofAgroAkademia,organizedin2018,includedmodernfarmdevelopmentstrategies,sustainable

andpreciseagriculture,anewapplicationforsubmittingapplications.Sevenmeetings,oneineachoftheBank’smacroregions,

wereorganised frommid-February tomid-March2018.Themeetingand theclosingdiscussionwas ledbyMariaSikorska,

ajournalistknownforheragriculturalprograms.Over700participantstookpartinthemeetings.ParticipationintheAgroAcademy

wasfreeforinvitedguestsandreportedaccompanyingpersons(neighbours,businesspartners).

Agro-conference

Agro-conferenceisanannualeventorganizedbyourBankforrepresentativesoftheagri-foodsector.Thefirstconferencewas

organized in2006and,sincethen,hasbecomean importantannualmeetingof theBankwithclientsand institutions in this

industry,appreciatedbyparticipantsasanimportantplatformforexchangingviews,agreatopportunityforsubstantivediscussion

anddiscussionofcurrenttopicsandrelevanttoproducers,converters,suppliersanddistributorsoperatinginagribusiness.Every

year,theconferencegathersaround350people.

In2018,Agro-conferencewasdevotedtothesubjectofcostsintheagri-foodsectorseenfromtheperspectiveofexpertsfrom

variousfieldsofbusiness.Inthedailypart,participantswerepresentedwithinterestingideasforoptimizingthecostsofenergy,

work,certification,mergersandacquisitions.Theeveningpartofthemeetingwasdominatedbytheawardgalainthe“Innovative

BankClient” competition. In the 5th edition of theCompetition,we awarded 7 of our clients in the categories of “Business

innovation”,“Socialinnovation”and“Foreignexpansion”.AttheXIIIAgrokonferencjawealsoprepared,aseveryyear,areport

onthemostcurrenttopicsonagriculture.Thisyear’sreport,“AgroRing–CostClash”,discussedthesubjectofcostsintheagri-

foodsectorandincludedaposterthatfacilitatesthecreationofaneffectivebusinessmodel.

Read more

“Agro Kurier”

TheAgroKuriermagazineisanoriginalprojectofBankBGŻBNPParibasinitiatedin2016,whichaimstoprovideinteresting

andsought informationhelpful in running farmsandagrocompanies.Ourmagazine,devoted topeopleandmatters related

toagriculture,isdistributedduringmasstradefairsinwhichtheBankparticipates,aswellasinselectedbranchesofourBank.

The journal ispublished twiceayear, inprintedversionanddistributed freeof charge. In thespringof2018 themagazine

premieredattheXXIV International Agricultural Technology Fair AGROTECH 2018, in which our Bank participated and 

during the autumn edition of the AGRO SHOW Fair in Bednary near Poznan.

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IN2018,OURBANKRECEIVEDTHEGOLDENSTATUETTEINTHEINDUSTRYCOMPETITIONPOWER OFCONTENTMARKETINGAWARDSCOLUMNSOFTHEYEARFORTHEAGROKURIERMAGAZINE.

THEJURYOFTHECOMPETITION,COMPOSEDOFMARKETINGCOMMUNICATIONSSPECIALISTS, AWARDEDTHEAGROKURIERPROJECTINTHECATEGORY:CONTENTMARKETING–AGRICULTURE ANDRELATED,APPRECIATINGTHEMAGAZINEFORPRACTICALCONTENT,NON-INVASIVELY COMBINEDWITHTHEPRODUCTOFFERANDTHOUGHTFULAPPROACHTOTHEFORMAND DISTRIBUTIONOFTHENEWSPAPER.

POWEROFCONTENTMARKETINGAWARDSTHESZPALTYROKUCOMPETITIONHASBEEN ORGANIZEDFOR11YEARSBYTHECONTENTMARKETINGPOLANDASSOCIATION.ITAIMS TOPROMOTEHIGHINDUSTRYSTANDARDSINTHECREATIONOFPOLISHCONTENTMARKETING PROJECTSBYHIGHLIGHTINGANDPROMOTINGTHEBESTOFTHEM.POWEROFCONTENT MARKETINGAWARDSISTHEONLYCOMPETITIONINPOLANDTHATDISTINGUISHESTHEBEST CONTENTMARKETINGPROJECTS.

Read more

Manual for ASAP

TheGuidetoSustainableAgriculturewasestablishedaspartofapartnershipwiththeAssociationofSustainableAgriculture

ASAP.OurDepartment ofAgroExperts created one of the chapters of this guide entitled “Financial Stability”.The chapter

writtenbyourexpertsdealtwiththefarm’sfinancialsecurity,farmplanning,planninglevels,agriculturalriskandfarmprofitability

assessment.

2.5 Initiatives for innovation

Office Hours

To be able to implement innovations, you have to be open for innovative solutions. Starting from this assumption,

we have introduced in our Bank the habit of organizing Office Hours – a modern concept in banking, hitherto implemented 

by some of the investment funds.

OfficeHoursaremeetingsofrepresentativesofourorganizationwithrepresentativesofstart-upsinsearchofinnovativeideas

andsolutionsthatcanenrichtheBank’soffer.AtBankBGŻBNPParibas,OfficeHoursarepartoftheCodeofCooperationwith

Start-ups,underwhichourorganizationhassimplified internalprocedures in thenameof thepossibilityofacquiringmodern

technologicalsolutions.

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AspartofOfficeHoursorganizedsinceAugust2017,ourexpertshavealreadylookedatnearlyonehundredsolutionsfrom

thefollowingareas:PSD2(EPDirectiveandEUCouncilonpaymentserviceswithintheinternalmarket),anti-fraud,electronic

commercefortheautomotiveindustry,technologiesfortheagrosector,humanresourcesandinternalcommunication.During

theOfficeHours, themanagers fromthedepartmentsofProduct InnovationandAddedServices, ITArchitectureandDigital

TransformationfromBankBGŻBNPParibastalkedtothecompanies.EachofthecompaniesselectedtoparticipateinOffice

Hourshad45minutestopresenttheirsolutions.OnthepartoftheBank,representativesofalldepartmentsarealwayspresent,

necessarytoselectasolutionforagivenarea.Eachcompany,before itappearsonOfficeHours, isalsopreparedforthem

bytheDepartmentOfDigitalTransformation.ThecompaniesselectedforOfficeHourswenttotheworkshopstage,andthebest

solutionhadachanceforimplementation.ThetopicofthelastOfficeHoursin2018,heldon28and29November,wasfamily

banking.Ourexpertssoughtinnovativetechnologicalsolutionsthatwouldhelpenrichtheofferforindividualclientsinthefield

offamilyfinancemanagement.Theywerelookingforaninnovativeanswertothequestionofhowtomanagemoneyefficiently

andsensiblybyusingeffectivefinancialcommunicationbetweenfamilymembers.

OfficeHoursarepartofthe“CodeofCooperationwithStart-ups”,asolutionuniqueintheindustry,thankstowhichthebank

andstart-upsbuildanopen,partnershiprelationship,andmost importantly,aspartof the“Code”, furtherproceduralbarriers

inobtaining the latest technological solutions fromstart-upsaresimplified,e.g. in thecaseof thepurchaseprocess,where

standardRFI(RequestforInformation)replacedOfficeHours,thankstowhichwesignificantlyimprovetheefficiencyandquality

ofsolutionsobtainedfromthemarket.ThankstoOfficeHours,BankBGŻBNPParibascooperateswithanincreasingnumber

ofstart-ups,buildsastrongnetworkofcontactsandfindsmoreandmoreinterestingsolutionsthatmaybeusefultoclients.

Read more

Coalition for Polish innovation

The Coalition for Polish Innovation Foundation is a public-private partnership combining the potential of non-governmental

organizations,entrepreneurs,theworldofscienceandadministration.Thankstoitsactivities,itstrengthensconnectionswithin

theinnovationecosystem.TheaimoftheCoalitionistocreateoptimalconditionsforthedevelopmentofinnovationinPoland.

Oneof thedimensionsof theCoalitionaremeetingsandworkshopswith theparticipationof partnersandexternal experts

whoseaimistoshareknowledge.WithintheframeworkoftheKPI,therearealso28workinggroupsdealingwithvariousareas

ofinnovation,suchas:artificialintelligence,blockchain,fintech,medicine,smartcity,tradeandsocialinnovations.

BankBGŻBNPParibas isa strategicpartnerof theCoalition forPolish InnovationFoundation.Aspart of the cooperation,

theCoalitionwasapartnerofthemeetingfromtheStartupCoffeeseries,whichtookplaceon20Septemberattheheadquarters

ofBankBGŻBNPParibasinWarsaw.

StartupCoffeeisaseriesofeducationalmeetingsofBankBGŻBNPParibasforemployees,duringwhichthepossibilitiesoffered

bynewtechnologiesarepresentedinasimpleandaccessibleway.Sofar,wehavediscussedissuessuchascloudcomputing

orblockchain.Themeetingsareattendedbyexternalexperts,bothrepresentativesoftheacademicworldandstart-upswho

developtheirproductorservicebasedonthechosentechnology.

Read more

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Transformation Week

From19 to23November2018, theDigitalTransformationWeekwasorganizedatBankBGŻBNPParibas.Theeventwas

addressedtoallemployeesandaimedatbroadeducationinthefieldofnewtechnologiesandthelatestmethodsofwork,and,

primarily,toshowthemthechangesthathaveoccurredasaresultoftheongoingprocessofDigitalTransformationintheBank.

– As part of  the Digital Transformation Program,  for almost  two years, our Bank has been  introducing a series of changes dedicated to both our clients and employees. We wanted to show our colleagues how much has changed in our Bank and how it affects their daily work, but also to inspire them to co-create further changes. That’s where the idea for Transformation Week comes from, which we initially implement in our two Warsaw offices, but we will soon also visit other locations. – Piotr Widacki, Managing Director of the Digital Transformation Line of BGŻ BNP Paribas

Especiallyforthisoccasion,theBankhaspreparedaseriesofover70workshopsandtrainingsinareassuchas:agile,usability

research,machine learning,documentdigitization,biometricsandmany,manymore.Employeesof theBankwere involved

intheimplementationofthetraining,includingDigitalAmbassadorswhosupportcolleaguesineducationintheuseofthelatest

technologicalsolutions.Also,start-upssupportingourBankinDigitalTransformationwereinvolvedinsharingknowledge;these

were,amongothers:NuDelta,Autenti,FitQbeandUser.TheBank’semployeesalsotestfurthersolutionsthatwillsoonappear

intheGoMobilemobileapplication.

Many participants of the TransformationWeek reported willingness to participate in additional workshops. For this reason,

inthefirsthalfofDecembertheBankorganizedadditionalworkshops;intheGrzybowskaheadquarters,DesignThinkingand

GoogleDesignSprintswerediscussed,andintheheadquartersatKasprzaka–issuesofself-organizationwerediscussed.

Read more

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Cooperation with start-ups

“Code of Cooperation with Start-ups”

PolandtopresenttheCodeofCooperationwithStart-ups–changesthatfacilitatetheBank’scooperationwithyoungcompanies.

Thankstothis,start-upsthatwanttoimplementtheirsolutionsattheBankwilldoitmuchfasterandmoreefficientlyincooperation

withexpertsfromtheBankandunderthecareofadedicatedsupervisor.AspartoftheCode,thepurchaseprocessfornew

technological solutions has been simplified, and the document templates for testing have been prepared.The presentation

oftheBank’snewapproachtocooperationwithstart-upstookplaceduringoneofthebesttechnologyconferencesinthecountry

–infoShare.

TheCode of Cooperationwith Start-ups is a consequence of the Bank’s consultationswith young companies that already

cooperatewithBGŻBNPParibas.Inordertomakethebestuseofgoodpracticesincludedinthecode,theDigitalTransformation

TeammanagedbyPiotrWidackiwillkeepconsultingwiththestartupenvironmentonaregularbasis,sothatthecooperation

betweenthecorporationandthestartupwouldbeasgoodaspossible.

Read more

SincethefirstimplementationoftheNuDeltastartupinDecember2017,weareintensivelydevelopingthisarea.In2018,our

organizationimplementedfurtherinnovativesolutions.

Electronic signature from Autenti

Together with the young technology company Autenti, our Bank implemented an electronic signature streamlining credit

processes.Autenti,whichasthestartupin2016wonthefirstPolisheditionofBNPParibasInternationalHackathon,offered

theBanksoftwaretoimprovetheconclusionofcontractsbyusinganelectronicsignature.ImplementationofthesolutionatBank

BGŻBNPParibasmadeitpossibletosignloanagreementsonline,onanyelectronicdevicewithaccesstothenetwork.Itmeans

alargesavingofpaperandfullserviceinthescopeofthee-transactionprocess.TheAutentiplatformrecordsthechainofevents

between theparties concluding the contract, andputs theevidenceonadurablemedium.The companyprovides security,

extremely important in bankingprocesses, thanks to data encryption and theuseof additional digitalmethodsof customer

verification.

Read more

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Car configurator from Today

Thanks to thecooperationofBankBGŻBNPParibaswithToday,astart-upacquiredaspartof theOfficeHoursorganized

bytheBank,oneofthenewestsolutionsinthefieldofpersonalfinancewascreated–thepurchaseofacarandtheselection

ofappropriatefinancinginoneplace,withtheaccessfor24hoursaday.Thankstothissolution,peoplewhodecidetopurchase

Hyundaicars,oneoftheBank’sautomotivepartners,willbeabletosetupawebsitenotonlyforthemselves,butalsocheckhow

theycanfinanceit.Thankstothenewconfigurator,afterchoosingthemodel,engine,colourandcarequipmentelements,itis

possibletosimulatepurchasefinancing.Itispossibletocheckpricesandfinancingforbothnewandusedcarsintheconfigurator.

Allfinancingoptionsareavailable– leasingand loans.Theconfigurator immediately reacts toanychanges– ifyouchange

theparametersofthecar–theamountofinstalmentswillalsochange.Finally,allyouhavetodoistoleaveyourdetailsand

within72hourstheconsultantwillcontactyouregardingthefinancialofferandprovideinformationonfurthersteps.

Read more

Video communication from Vintom

Vintom’ssolutionswillstrengthentheBank’sactivitiesrelatedtobuildinggreatercustomerengagementthroughtheuseofvideo

intermsofpersonalizationandautomationofsalesprocesses.Vintomofferscomprehensivesolutionsforcommunicationwith

existingclientsbyautomaticallygeneratingpersonalizedvideocommunication,supportssaleschannels,and,whatisequally

important,itincreasescustomerloyaltyandsatisfaction.ThesearejustsomeofthefactorsthatdecidedtochooseBGŻBNP

ParibasasthebusinesspartnerofthisPolishtechnologycompany.VintomisaMicrosofttechnologypartner.Itisalsoinvolved

in non-commercial projects – in 2017 the company started cooperationwithWielkaOrkiestraŚwiątecznejPomocy.As part

of thecooperation,JerzyOwsiak isable toexpresshisgratitude individually toeachpersonwhosupported theFoundation

throughitswebsiteoramobileapplication.Forus,cooperationwithVintomalsomeansreducingpaperconsumption,whichisof

greatimportanceinthecontextofpro-environmentalactivities.

Read also about the first implementation of a start up at the Bank

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Healthy habits from FITQBE

FITQBEisaninnovativetoolsupportingpro-healthactivities–anapplicationthatmotivatesuserstoimplementhealthyhabits

ineverydaylife;collectingdobrekilometery(goodkilometres)andpracticingsports,aswellashelpinginintegratingwithother

usersandenablingsynchronizationofachievedresultswithothersportsapplications.FITQBEhasalreadycreated thematic

groupsfocusedonsporting,artisticandnutritiontopics,etc.ABEneFITgrouphasalsobeenestablished,inwhichinformation

aboutavailableandplannedbenefitswillbepublishedsuccessively.

Staff orders from Sharehire

Sharehire isaplatformforemployeecommands, initially implementedat theBankasapilot in theareaof call-centre.Each

employeewasawardedarecruitmentprizeforrecommendingacandidatetoworkthroughtheplatform.Usingtheplatformhas

advantagesfor theBankasanemployerandforemployees.For theorganization it is translated intotimesavingandbetter

recruitment results. For employees – greater job satisfaction and building a friendly team,which can result, among others,

ingreaterteamattitudetocooperation.

Data protection from Kaymera Technologies

BankBGŻBNPParibashasbegunapilotimplementationoftheAdaptiveMobileThreatDefenseFootprintplatformdesigned

byKaymeraTechnologies,an Israelistartup in thecybersecurity industry.Theplatform increases theprotectionofpersonal

and business data onmobile devices of the Bank’s employees and business partners. On the one hand, it offers secure

communication,whileontheother–activelymonitorsdata transmission,detectsandneutralizesattacksonmobiledevices,

potentialthreats,burglariestothesystemandmalicioussoftwareinstallations.Itenablesprediction,prevention,detectionand

protectionagainstanumberofmoreandlessrecognizedthreats.Thankstotheextendedriskanalysismechanism,thecompany’s

productportfolioallowstheBanktoeffectivelyadjustthelevelofsecuritytothelevelofriskwithoutaffectingtheperformance

orviolationoftheprivacyoftheuser.

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IBM Trusteer Rapport

TrusteerRapportisanadvancedsecuritysoftwaredevelopedbyIBMtopreventthetheftofbankdatatransmittedelectronically.

OurBankrecommendsandmakesthissolutionavailabletoallclientsfreeofchargeasanadditionallayerofprotectionthat

complementsanti-virussoftware.BysecuringtheInternetconnectionandcreatingasafecommunicationchannelwiththeBank’s

website,theTrusteerRapportsoftwareblocksattemptsoftheftofidentityorfundsbymalicioussoftware.

Commitment to start-up support:

• OurBankisalsoinvolvedinotherinitiativespromotingstart-upsandcooperationofthebankingcommunitywiththeareaof

newtechnologies.

• Weareoneofthe8OperatorsoftheRegulatorySandboxoperatingunderthepatronageofthePolishFinancialSupervision

Authority(read about it).

• Weparticipated inmentoringofstart-upsandwewereamemberof the juryof theurbanaccelerator#WarsawBooster:

http://warsawbooster.ybp.org.pl/

• MichałMiszułowiczwasamemberofthejuryinthelocalfinalsofEIT Food demo day,duringwhichthebestPolishstart

upFood&Agriwaschosen.Wewereaco-organizerandsatonthejuryoftheWomenStartupCompetition.

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3. Responsibility in the workplace – The Bank as a good employer

[GRI 103]

Weunderstandresponsibilityintheworkplaceasinitiativesleadingtothecreationofanenvironmentwhichsupportsprofessional

developmentandemployeeinvolvement.WeareconvincedthatresponsibleHRmanagementiscrucialforachievingbusiness

success.Therefore,weapplythebestmarketpracticesandfollowhighstandardsandprinciples.

Ourambitionistocreateafriendly,effectiveandattractiveworkplace,onewhereemployeesmaydevelopandderivesatisfaction

fromtheirtasks,onewhererespect,toleranceandtrustarevalued,andwherefeedback,cooperationandrelationshipsarenot

justemptyphrases.

Wewishtorankamongthemostsought-afteremployersofthePolishfinancialsector.Wethereforeinvestinthedevelopment

ofouremployees’careersthroughawiderangeofworkshops.Weregularlymeasurethelevelofemployeesatisfactionbyasking

abouttheiropinion.

03.

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2018 in numbers:

10 854full-timeemployeesattheBankasat31.12.2018

11 265full-timeemployeesintheBank’sCapitalGroupasat31.12.2018

5 709employeesusingMultiSportcards

4 810peopleregisteredontheMyBenefitcafeteriaplatform,launchedonDecember21,2018

3 740employeesbenefitedfromthe“Twohoursforthefamily”program

1 022employeesparticipatedin88courses as part of theCultureFeedbackprogram

23training hours per one personemployedattheBank

19 yearsage of the youngest employeeoftheBank

71 yearsageoftheoldestemployeeoftheBank

38 yearsaverageageofBGŻBNPParibasemployees

3.1 Organisational culture

A culture of cooperation based on trust

– We want to be among those organisations on the Polish banking market which adhere to high standards, not only in terms of the integrated banking offer, but as regards the creation of a friendly workplace, where committed employees are the key to success. – Magdalena Legęć, Executive Director for HR Management 

OurorganizationalculturecomplieswiththebasicguidelinesdrawnupinBNPParibasWay.Itisbasedon7fundamentalvalues.

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7 foundations of our organisational culture:

1. Cooperation.Weworktogethertoreachourgoal.

2. Supportingchange.Wewelcomechangeswhichcontributetoprogressanddevelopment.

3. Inspiration. Our attitude inspires others.

4. Trust.Wheneverweentrustsomeonewitharesponsibletask,weletthem“spreadtheirwings”.

5. Courage.Weareopentoconstructivecommentsandweboldlyproposenewinitiatives.

6. Entrepreneurship.Westrivetodevelopandcomeupwithnewsolutions.

7. Vision.Wesetambitiousandfar-reachinggoals.

Employee satisfaction – Global People Survey (GPS)

GPS 2018 in the BNP Paribas Group

BetweenMay15andJune5,2018,theBNPParibasGroupconductedaGlobalPeopleSurvey(GPS).Itwasconductedin73

countriesin22languagesandwasanon-linesurvey,availabletoeveryemployee.Thequestionnairewasfilledbyover140,000

employees,whichaccountedfor77%ofallthoseinvitedtoparticipateinthestudy.Thesurveycontained91closedand4open

questions.Theyencouragedemployeestofreelyexpresstheiropinionsasregardschangeswhichwould,fromtheirperspective,

haveapositiveeffectontheorganization.

GPS iscarriedout regularly throughout theBNPParibasGroup,and its resultsarevaluable to theorganization.Theyhelp

toidentifyareaswhichrequirechange,measuretheimpactofundertakenactions,providetheknowledgeneededtoformulate

strategies,andinitiateactionsinallunits.

GPS 2018 in Bank BGŻ BNP Paribas

Thisyear’sGPSsurveyattheBankwascharacterisedbyahighturnout;theresponseratewas82%.Employeeshadtheopportunity

toexpresstheiropinionsonkeyareasrelatedtothefunctioningofourorganizationbyanswering91questionsin23categories.

Manyansweredthe4openquestionsaswell.Intotal,over9,184anonymouscommentswerecollected.Thehighturnoutshows

thatmanyofusarecommittedtobuildingafriendlyandefficientworkplacewhichmeetsourexpectationsandneeds.

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Categories best rated by employees

• Respect and Code of Conduct

64%ofrespondentsfeelthatemployeesaretreatedwithrespectintheBNPParibasGroup.Thismeansthatweknowand

understandtheprinciplesoftheCodeofConduct,arehappytopromoteethicalvaluesandbehaveinaccordancewiththem

intheworkenvironment(88%ofpositiveresponses).

• Immediate superior

Onceagain,thecategoryofDirectSupervisorreceivedahighrating.Amanager’svaluesandprincipleshaveasignificant

impactonateam’sfunctioningandeffectiveness.Weespeciallyvalueoursuperiorsforsupportingtheexchangeofexperiences

andcooperationbetweenteams(78%ofpositiveresponses),fortherespecttheyshowus(83%ofpositiveresponses),for

regularfeedbackontheresultsofwork(81%ofpositiveresponses),andforsupportinsolvingproblemsfacedbytheteam

(79%ofpositiveresponses).

• Efficiency of operation and cooperation

Weparticularlyvaluetheatmosphereoftrustbetweenteammembers(81%ofpositiveresponses),aswellasthesupport

ofourimmediatesuperiorduringtheexchangeofexperiencesandcooperationbetweenteams(78%ofpositiveresponses).

88%ofpositiveresponsesconfirmweareabletoworkeffectivelyowingtotheappropriateallocationofrights.

• Diversity

These are activities of the BNP Paribas Group aimed at eliminating discrimination in the work environment, and thus

– increasing awareness of diversity (66% of positive responses). We are all responsible for creating an atmosphere

ofappreciationand respect in theworkplace,everyoneshouldbeable to fullydevelop theirpotential.This isconfirmed

byresultsregardingthehighacceptanceofagedifferences(80%positiveresponses),gender(81%positiveresponses),

nationality(76%positiveresponses)andethnicity(76%positiveresponses).

Areas which, according to employees, require improvement

Thesurveyshowsthatemployeesexpectimprovementinthefollowingareas:remunerationpolicy(fairnessandlevelofwages),

managementandpaceofchange(paceofchange),career(moretalkswithsuperiorsregardingpossibledevelopmentpaths)and

innovation(moreinnovativeproducts,approvaltoperformtasksinanunconventionalway).

Conclusions based on GPS

The results show the level of employee involvement and their perception of the employer. They are an important source

ofinformationfortheBNPParibasGroupmanagementandforallbusinesslinesandunits.Theopinionsofouremployeesare

asignpostforourfutureoperations,andtheconclusionstranslateintoimprovementsfortheorganisation.

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3.2 HR Management

[GRI 103]

Weconsciouslyandactivelymanageemployeerelations,complianceandriskmitigationwithintheemployees’area.

Ourpolicyofmanagingemployeerelationsisincompliancewithlegalregulations,withthevaluesoftheBNPParibasGroup,

aswellaswithgenerallyacceptedprinciplesofsocialcoexistence.AllemployeesareboundbytheBNPParibasGroupCode

ofConductandinternalBankregulations.TheDepartmentofEmployeeRelations,ComplianceandHRRiskisresponsiblefor

theemployeerelationsareaattheBank.

Wearedrivenbyhighethicalstandardsandvalues,whichinparticularinclude:honesty,openness,mutualtrust,responsibility,

professionalism and respect.This applies to the entire scope of theBank’s activities, aswell as to that of its subsidiaries.

WerequirefullcompliancewithethicalstandardsfromallpersonsrepresentingorcooperatingwiththeBank.

Wealsosystematicallyanalysethecomplianceandcoherenceofprocesses,proceduresandactionsundertakeninthearea

of HRmanagement with legal regulations, the requirements of national and EU supervisory authorities and the standards

oftheBank’sCapitalGroup.

Wealso analyse processes in terms of safetymeasures for specific types of risk, including: litigationwith employees, loss

ofreputation,abuses,corruptionormisappropriationofassets,occurrenceofdiscrimination,non-compliancewith:healthand

safety regulations,working time regulations,employees’ rights,socialprotection,personaldataprotection,etc.We take into

accountbothinternalfactorsandvariables(e.g.relatedtothemergerofbanks,changesintheorganizationoftheBankorIT

systems),aswellasbroadlyunderstoodexternalphenomena,e.g.trendsonthelabourmarketaffecting, i.a.therecruitment

process, incentivesystemsandcareerpathsat theBank.Ifathreat is identified, thoseresponsibleforaprocesstakesteps

toreducetheriskandmaintainitatanacceptable,i.e.lowormoderate,level.Theseactivitiesaremonitoredandreportedaspart

oftheoperationalriskmanagementsystem.

RiskmanagementintheemployeeareaiseffectiveandsupportstheimplementationoftheBank’sstrategicbusinessgoals.

TheacquisitionofRaiffeisenBankPolskacorebankingactivitiesrequiredchangestotheBank’sHRmanagement.Ontheday

ofacquisitionemployeesofRBPLlegallybecameemployeesofBankBGŻBNPParibas.Toensureeffectiveandcustomerfriendly

service,itwasnecessarytochangetheorganizationalstructureandadjustemploymentlevelsaccordingly.Ourorganizationhas

startedtheprocessofemploymentoptimization.InDecember2018,anagreementwiththetradeunionsoperatingattheBank

wassigned.Itconcernedregulationsregardingcollectiveredundancies.Thedismissalprocessisplannedfortwoyears(2019-

2020). In order to alleviate the social consequences of collective redundancies, the Bank introduced the Voluntary Leave

Programand,inagreementwithtradeunions,decidedtopayadditionalcompensationandotherelementsofsocialprotection,

inaddition tostatutorybonuses for redundantemployees.Stepshavealsobeen taken toadaptprocesses,proceduresand

internalregulationsthatwouldenableeffectiveandtransparentHRmanagementintheentireBank.

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Anti-mobbing policy

[GRI 406-1]

Compliancemanagementintheemployeeareaincludes,amongothers,monitoringcompliancewiththeAnti-mobbingPolicyand

respectforhumanrights.

BankBGŻBNPParibasdoesnottolerateanycasesofmobbingintheorganization.Theguidelinesformobbingpreventionare

regulatedbytheAnti-mobbingPolicyimplementedintheBank.Itallowstheemployertotakeactionsaimedatpreventingthis

phenomenon,andintheeventofaproblem–toreactimmediately.Employees’complaintsareconsideredbytheAnti-mobbing

Committee.

Wedonottolerateabuseorsexualharassmentintheworkplace.TheBankhasimplementedtheRulesofconductinthecase

ofreportedabuseorsexualharassmentinprofessionalrelations.Theyenablesafereportingofreasonablyjustifiedsuspicions

withoutfearofretaliation.

Regardlessofwhetherpsychologicalabusetakestheformofsexualharassmentormobbing, it isnot tolerated in theBank.

Ifthecomplaintisconsideredjustified,theperpetratorissubjecttodisciplinarysanctions.

Ourorganizationparticipates in initiativeswhichaimtocreateanethicalworkplace.TheBank isasignatory to theDiversity

Charter.

In2018,nocasesofdiscriminationwerereportedinourorganization.

Guidelines for complaints and employee motions

[GRI 102-41]

Therulesforacceptingandconsideringcomplaintsandmotionssubmittedbyemployees,formeremployeesororganizations

representingemployeesaresetoutintheInstructionontheprocedurefordealingwithcomplaintsandapplicationsinmatters

ofemployees.Theprocessofhandlingcomplaintsandrequests involvesan investigationandthepreparationofananswer.

EmployeecomplaintsandmotionsareprocessedbytheEmployeeRelationsComplianceandHRRisksDepartment.Inaddition,

theExecutiveDirectorofHRManagementsupervisestheprocessofhandlingthecomplaintsandmotionsofemployees.After

eachquarter,he/shereceivesaregisterofcomplaintsandmotionsonemployeemattersforinspection.99.9%ofouremployees

aresubjecttotheCorporateCollectiveLabourAgreement.

Information on significant changes 

[GRI 402-1]

TheintroductionofsignificantoperationalchangesintheBankisalwaysprecededbychangesininternalregulations,inaccordance

withtheMethodologyof internal legislation.Employeesreceiveinformationaboutchangesornewregulationsviae-mailand

Intranetposts.WhenevertheplannedchangesrequireconsultationwiththeEmployeeCounciloragreementswithtradeunions,

informationisprovidedtothesocialsidewithinatimeframeenablingconsultationornegotiations.

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Employment data

Full-time employment at the end of 2018

CapitalGroup 11265

Bank 10854

[GRI 102-8]

Employment by gender (full-time)

Age Women Men Total

Total 7 553 3 301 10 854

Branches 4133 1205 5338

Headquarters 3420 2096 5516

Number of employees by employment period and gender*

Women Men Total

Employed for a definite period 1307 628 1935

Employed for an indefinite period

5267 2669 7936

Total 6 574 3 297 9871

Branches 3552 1190 4742

Headquarters 3022 2107 5129

* Activeemployees–headcountexcludingemployeeswhoareonlong-termleave(long-termsickleave,maternityandparentalleave,etc.).

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Number of employees and associates (per person)*

Women Men Total

Contract of mandate 1540 1364 2904

Contract of commission 36 33 69

Internship agreement 164 43 207

Total 1740 1440 3180

* Activeemployees–headcountexcludingemployeeswhoareonlong-termleave(long-termsickleave,maternityandparentalleave,etc.).

Turnover ratio in 2018 * (in %)

Turnover Women Men Total turnover

Branches 26,6 28,1 26,9

Headquarters 18,5 18,9 18,7

Total turnover 23,2 22,5 23,0

* Thenumberofactiveemployeesdeparturesin2018inrelationtothestateofactiveemploymentasat31December2017.TheindicatordoesnottakeintoconsiderationemployeesacquiredasaresultofthetakeoverofthecorebankingactivitiesofRaiffeisenBankPolska.Activeemployees–employeeswiththeexceptionofemployeesonlong-termleave(long-termsickleave,maternityandparentalleave,etc.).

Remuneration policy

Ourorganisation’sremunerationpolicyisbalancedandsubjecttoconstantcontrol.ItreflectstheBank’scustomerorientationand

takesintoaccounttheBank’slongterminterestsaswellassociallyacceptableremunerationpractices.Itconformstoapplicable

lawsandregulations.

TheSupervisoryBoardisresponsibleforHRmanagement.ItissupportedinthistaskbytheHumanResourcesandRemuneration

CommitteewhichmonitorsandoverseeskeyprocessesandpreparesopinionsandrecommendationsfortheSupervisoryBoard

withrespecttothetermsofemploymentofManagementBoardMembers,includingthevariableremunerationforsuchMembers.

TheprinciplesofremunerationforemployeesarespecifiedintheCollectiveLabourAgreementofourBank.Therulespertaining

tothefunctioningofbonussystemsaresetoutinthestaffbonusregulations.

BonussystemsusedinourorganizationaimtosupporttheBank’sstrategybyrewardingemployeesforachievingtheirgoals

–bothquantitativeandqualitative.

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TheBankhasadoptedaRemunerationpolicyforindividualsthatexertaconsiderableinfluenceontheriskprofileofBankBGŻ

BNPParibasS.A.,whichwasdevelopedandintroducedinlinewithguidelinesincludedinResolutionNo.258/2011ofthePFSA

and therequirementsofCDRIV, i.a. inorder to:supportcorrectandeffective riskmanagement in theBankandcounteract

excessiveandinadequaterisktakingbypersonsidentifiedashavingasignificantimpactontheBank’sriskprofile.

[GRI 202-1]

Lower level employee remuneration (by gender) in relation to the minimum wage

Women Men

Minimumwage inPolandin2018

Theratiooflowerlevelremunerationtotheminimumwage

Theratiooflowerlevelremunerationtotheminimumwage

PLN 2,100 169% 177%

Benefits

[GRI 401-2]

In2018,ourorganizationexpandeditsbenefitpolicy.Inthecomingyears,theBankplanstofurtherexpandtheoffer.Meanwhile,

inMay2018,aspecialprogrampromotingthebenefitofferforBankemployees–BEneFIT–waslaunched.Itsaimistopresent

acomprehensiveofferofbenefitssupportinghealth,well-being,andanincreasedsenseofsafetyandmaintainingabalance

betweenprofessionalandprivatelife.TheFitqbeappisthedrivingforcebehindtheBEneFITprogram.

Fitqbe

Fitqbeisatoolwhichsupportstheemployerinpromotingahealthylifestyleamongemployeesusingagamificationsystem.Itis

amodern,innovativeandmultifunctionalapplicationwhichsupportstheemployees’psychologicalwell-beingwhilemaintaining

theatmosphereofjointeffort,fun,mutualrespectandequality.Fitqbeprovidesalltheelementsrelatedtoimprovingone’swell-

beinginoneplace.Thereareseveralsportsgroupsontheplatformandseveralfocusedonotherpassionsofemployees.Thanks

totheapplication,employeeswereabletotakepartinoneofthelargestgamificationsorganizedbytheBank–“DobreKilometry”

(“Good Kilometres”). The campaign was organized by the Bank’s Foundation and every kilometre covered by employees

–running,ridingbikesandpracticingothersports–meantfundsdonatedtoaselectedcharity.SincethelaunchonSeptember

21,2018asmanyas1,011employeesofourorganizationhaveused theplatform.Theaveragemonthlynumberof logins

byFitqbeusersisc.5.5thousand.

MyBenefit Cafeteria

As part of the BEneFIT program, theMyBenefit Cafeteria wasmade available to employees of the Bank. Points financed

bytheSocialBenefitFund,maybeusedtotakeadvantageofmanyattractivediscountsonproductsandservices.Thecafeteria

providesawiderangeoftourist,cultural,sportandrecreationalproductsandservicesfromabout3thousandsuppliersfromall

overPoland.Employeesthemselvesdecideaboutthebenefitstheywanttouse.

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BenefitsavailableintheMyBenefitCafeteria(co-financedbytheSocialBenefitsFund):

• movietickets,

• ticketstotheatres,concerthallsandconcerts,

• sportsandrecreation,includingsingleentriestosportshalls,bowlingalleys,swimmingpools,waterparks,climbingwalls,

• summercamps,wintercampsandotherformsofrecreationforchildren,

• organizedtripsinPolandorabroad.

4,810peopleregisteredontheMyBenefitcafeteriaplatform,whichwaslaunchedonDecember21,2018.

Two hours for the family

TwoHoursfor theFamily isasocialcampaignwhichpromotesdeepfamilyrelationships,encouragesfamilymemberstobe

together,ratherthan“sidebyside”.Itisasocialcampaignwhichoffersemployeestwohoursoff-work–tospendtheafternoon

in the circle of relatives.The organizer of the campaign is theHumanities Foundation,which invites everyone to celebrate

theInternationalFamilyDayorChildren’sDaybyofferingemployeesanadditional2hoursoffwork.Thetimeisintendedtobe

usedforthedeepeningofrelationshipswithlovedones.In2018,3,740employeesofourorganizationbenefitedfromtheTwo

hoursforthefamilycampaign.

MultiSport cards

OuremployeeswereprovidedwithMultiSportcardsin2018.Theseprovideawiderangeofservicesavailabletoemployees,

children,partnersandseniorsincludingunlimitedaccessto4,000sportsandrecreationfacilitiesin650citiesthroughoutPoland

andfreeaccesstocitybikes.TheMultiSportcardwasusedin2018by5709employeesofourorganization.

AspartoftheBEneFITprogram,manyprojectswerecarriedoutinourorganization,including:

• nutritionworkshopswithadietician(threemeetings);

• springhealthpromotioncampaign“Krokdozdrowia”(“Asteptowardshealth”).EmployeescouldtakeadvantageofLuxMed

preventivemedicalexaminationsinfourcentrallocationsoftheBank,withoutreferral.Chatswithdoctorswerealsoavailable,

includingchatsconcerningaproperstartofthesportsseason,preparationforitandpreventionofinjuries;

• fruitysummercampaign:fruitandjuicesmadeavailabletoemployeesatwork.

In2018ouremployeesalsousedtheservicesavailableattheBank,suchas:

• accidentinsuranceforallemployeesfinancedbytheBank;

• lifeinsurance:accesstoanattractivegroupprogram

• accesstotheVoluntaryLifeInsuranceProgram

• medicalcareforemployeesandtheirlovedones(preferentialtermsoffer)

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• subsidiesforemployees’holidays

• subsidiesfortheholidaysofemployees’children

• Christmasgiftsforchildrenofemployees

• Children’sDaygiftsforchildrenofemployees

• additionaldays-offforspecialoccasions,e.g.awedding

• additional2days-offforvolunteerwork

• possibilityofremoteworkforupto6daysamonth

RetiredemployeeswereofferedbenefitsandareinvitedtoanannualChristmasparty.

Benefits for employees in 2018 in numbers

Subsidiesforemployees’holidays 3796

Subsidiesforchildren’sholidays 3159

FinancialSupportforEmployees 570

FinancialSupportforRetiredEmployees 289

Housingloans 232

Gifts 5113

Key  figures:

5 755ofouremployeesbenefitedfromtheprivatehealthcareofferin2018

5 113benefitsfromthecompany’ssocialbenefitfundweregrantedin2018

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Satisfaction and commitment enhancement programs

In 2018, our organization introducedanumberof internal programswhich improveemployee satisfactionand commitment.

Amongothers:DigitalAmbassadors,FeedbackCultureand“Prestiż”(“Prestige”)PotentialDevelopmentProgram.

Digital Ambassadors

TheDigitalAmbassadorsisadevelopmentprogramfortheBank’semployees.TheDigitalAmbassadorsparticipatedindigital

conferencesandeventsandbenefited fromawide rangeof personal development trainingopportunities.Theyparticipated

inprestigiouscoursesdevotedtomodernsolutionsimplementedattheBank,andlaterconductedsimilarcoursesfortheirco-

workers.Employeeshadtheopportunitytotestnewproducts,submittheirinitiatives,participateinkeyBankprojectsandhave

arealimpactonthedigitaltransformationoftheorganization.Theiractivityalsohadanimpactonincreasingthecommitment

andsatisfactionofotheremployees–bykeepingthemwellinformedandengagingtheminvariousactivities.Theturnoverrate

amongtheDigitalAmbassadorswaslowerin2018thaninthepreviousyear.

Feedback Culture

In2018,anumberofinitiativeswerelaunchedinourorganizationtopromotefeedbackandteachemployeestousethistool

forbuildinggoodrelationshipsandachievinggoals.Weconductedworkshopsforvariousgroupsofemployees:bothopen,for

everyone,anddedicatedtomanagersandthetalentgroup.1,022employeesparticipatedin88trainingsessions.

Thetopicoffeedbackwasdiscussedduringcyclicalevents,includingOccupationalMobilityDays(webinarsandinspirational

lectures,whichwereattendedbyc.a.800people).Wealsocreatedavideofeaturingourmanagersandemployees,inwhich

weexchangeexperiencesonthesubjectoffeedback.Wesuggestedsomesimpletoolswhichcanbeusedattheteamlevel

toshapethefeedbackculture(feedboxes).WecreatedanddevelopedafeedbackknowledgedatabaseontheIntranet.

“Prestiż” (“Prestige”) Potential Development Program

Theaimoftheprogramwastosecuremanagerialcompetenceswhicharenowandwillinthefuturebecrucialfromthepoint

ofviewof implementingtheBank’sstrategy.Theprogramwasdedicatedtoemployeeswhoachievedverygoodresultsand

showadistinctivemanagerialpotential.It includedthreegroupsofTalents,classifiedonthebasisofprofessionalexperience

andcompetence level.Theofferofdevelopmentactivitieswas tailored to theneedsof individualparticipantsandsupported

the implementation of the Bank’s strategic goals. The last edition of the program focused on strengthening the leadership

competencesneededtomanagechangeandtheabilitytoprovidefeedback.

Occupational safety and health

Analysesofthehealthandsafetystatusarepreparedannually,aspartoftheevaluationofhealthandsafetymanagementinour

Bank.Employeesundergomandatory initialandperiodical training in thefieldofoccupationalhealthandsafety.The topics

discussedduringthesemeetingsinclude:selectedlegalregulationsinthefieldoflabourlaw,organizationofworkingconditions,

healthandsafetymanagement,analysesofthecircumstancesandcausesofaccidentsatwork,occupationaldiseasesandtheir

prevention,behavioursafetyandrulesofconductintheeventofanaccidentorinemergencysituations(e.g.fire).Atthemeetings

employeesreceivefirstaidtrainingandbecomeacquaintedwithissuesrelatedtofireprotectionandprotectingtheenvironment.

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[GRI 403-1]

TheHealthandSafetyCommitteerepresents100%ofemployees.ThePresidentof theCommitteereports to theExecutive

DirectorofHRManagement.

Wevaluethecomfortofourstaff.Allemployeesarequalifiedforreimbursementofglasses,peoplewithRSI-typeillnessesare

providedwithergonomicworkplaceequipment(orthopaedicchairs,verticalcomputermice,sensorimotorpillows).

AftertakingoverthecorebankingactivitiesofRaiffeisenBankPolska,ourorganizationintendstoexchangeexperiencesand

goodpracticesandselectthebestsolutionstoimprovethelevelofemployeesafety.

[GRI 403-2]

Intheinterestsofensuringthesafetyandhealthforemployees,wenotonlymakesurethathealthandsafetymanagementisin

compliancewithgenerallyapplicableregulationsinthisarea,butwehavealsopreparedandimplementedadditional internal

regulations.

Wemonitorthenumberofaccidentsatworkandexplainthereasonsfortheiroccurrence.

The number of accidents at the Bank in 2018

Women Men Total

Branches 16 4 20

Headquarters 2 1 3

Total 18 5 23

Weanalyseouremployees’absencesandcalculatetheaveragelengthofabsence.In2018,theratioinourBank(calculated

asthetotalnumberofdaysofabsencedividedbytheproductofworkingdaysin2018,i.e.250days,andtheaverageannual

employmentlevel)amountedto7.9%(including10.4%forwomenand3.0%formen).

[GRI 401-3]

Parental leave in 2018 *

Women Men Total

Number of employees entitled to parental leave 675 56 731

Number of employees who took parental leave 505 4 509

* Thedatarepresentsactiveemployees,excludingemployeesacquiredasaresultofthetakeoverofthecorebankingactivitiesofRaiffeisenBankPolska.Activeemployees–employeeswiththeexceptionofemployeesonlong-termleave(long-termsickleave,maternityandparentalleave,etc.).

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Employee Management in subsidiaries of the Bank BGŻ BNP Paribas Capital Group

All BGŻ BNP Paribas Group companies approach HR management with the utmost care. The applied solutions follow

therecommendationsoftheCodeofConductandGuidelinesoftheBNPParibasGroup.Detaileddocumentsandprocessesare

regulatedseparatelyatthelevelofeachcompany.

Attheendof2018thenumberFTEsattheBGŻBNPPGroupwas11,265.ThemainemployerwithintheGroupistheBank,

whosestaffconsistsof10,854full-timeemployees.ThescaleofemploymentrequiresrationalandpreciseHRregulations.

Employment at the end of 2018 (full-time)

CapitalGroup 11265

Bank(total),including: 10854

HeadOffice 5 455

Branches 5246

MobileConsultants 92

BrokerageOffice 54

TradeUnions 7

TowarzystwoFunduszyInwestycyjnychBGŻBNPParibasS.A. 26

CampusLesznoSp.zo.o. 8

BFNACTUSSp.zo.o. 0

BNPParibasLeasingServicesSp.zo.o. 0

BNPParibasGroupServiceCenterS.A. 291

BNPParibasFinancialServicesSp.zo.o. 39

RaiffeisenTowarzystwoFunduszyInwestycyjnychS.A. 11

BNPParibasSolutionsSp.zo.o. 36

Towarzystwo Funduszy Inwestycyjnych BGŻ BNP Paribas S.A.

AtTowarzystwoFunduszy InwestycyjnychBGŻBNPParibasS.A.ParibasRemunerationRegulationsandWorkRegulations

apply.Duetothesmall,26-personteam,thecompanydoesnothaveaseparateHRpolicydocument–personaldataarekept

uptodatebytheManagementBoardofTFIBGŻBNPPandbymanagersoforganizationalunits.

ThecompanyimplementstherulesinplaceintheBNPParibasGroup:theCodeofConductoftheBNPParibasGroup,which

coversissuesrelatedtocombatingallformsofdiscriminationandrespectforhumanrights.Employeescanreportcomplaintsand

irregularitiestoanimmediatesuperiorordirectlytothememberofthemanagementboardsupervisingagivenunit.

Duetothesmallscaleofemployment,thecompanyidentifiedtheriskoflong-termabsenceofkeyemployees(possibleneed

forsubstitution)androtation.In2018,thecompanyterminated1contractwithanemployee.Atthesametime,2newpostswere

created.

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The company’s occupational health and safety regulations are described in theWorkRegulations.TFI conducts initial and

periodictrainingtofamiliarizeemployeeswithhealthandsafetyrulesaswellasoccupationalriskrelatedtotheirwork.In2018,

thecompanyconductedtwomandatoryhealthandsafetytrainingsandonefiretraining.In2018,noaccidentswererecorded

inthecompany.

In2018TFIprovidedtrainingforitsemployeesinthreeareas:

• mandatorytrainingnecessaryfortheemployeestoperformtheirtasks,resultingfrom,e.g.,changesinlaw,

• trainingchosenbytheemployeetoraisehis/herprofessionalqualificationswithintheallocatedindividualannualbudget(if

needbe,thebudgetcanbeincreased),

• trainingswithintheobligatoryMyDevelopmentsystem.

Aspartofemploymentmanagement,thecompanyofferedemployees:MultiSportCards,PZUlifeinsuranceandLuxMedhealth

insurance.

PlansforthefutureinthefieldofHRmanagementincludethecontinuationoftheindividualtrainingprogram.

BNP Paribas Financial Services Sp. z o.o.

ThecompanyadoptedtherulesoftheBNPParibasGroup,andasfarasoccupationalhealthandsafetyisconcerned,itsigned

acommissioncontractwiththeHealthandSafetyInspectoremployedattheBank.Attheendof2018,therewere44employees

inBNPParibasFinancialServices(30womenand14men).Duringtheyear,14peopleleftthecompanyand8peoplewere

employed.Noaccidentswererecordedinthecompanyin2018.

BNP Paribas Leasing Services Sp. z o.o.

Thecompanyhas5employees– theoptimalnumberofpeople for reaching itsgoals.Theyareresponsible forcooperation

withotherBNPParibasentitiessuchas:BNPParibasLeaseGroupandBGŻBNPParibasinthescopeoffulfillingobligations

specifiedincontractsbetweencompanies.TheemployedpersonsarealsoemployeesofBNPParibasLeaseGroupandBGŻ

BNPParibas.

In2018,thestaffturnoverwaszero.Therewerenoemployeeaccidentsinthecompany.

In2018theemployeesofBNPParibasLeasingServicesattendedtrainingsfortheBNPGroup.Theycouldalsosubmittheir

individualtrainingneeds.TrainingisorganizedandfinancedbyBNPParibasLeaseGroupandBGŻBNPParibas.

BNP Paribas Solutions Sp. z o.o.

Attheendof2018,thecompanyhad45employees(including19womenand26men).Duringtheyear,18peopleleftthecompany

and12peoplewereemployed.

Thecompanycarriedoutinitial,periodicandmanagerialsafetytrainings.Duringtheyear,noemployeeaccidentswererecorded

inthecompany.

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Campus Leszno Sp. z o.o.

ThecompanywascreatedattheendofJune2018.Employeesweretransferredtothecompanybasedoninformationfrom

theEmployeeRelations,HRComplianceandRiskDepartmentoftheBank.Thecompanyhasadoptedbasichealthandsafety

rulesadequatetoitsoperations.In2018noaccidentsatworkwerereportedatCampusLeszno.In2018,thecompanycarriedout

trainingsappropriatetoitsoperations:salesandwarehousemanagement.CampusLeszno’splansforthefutureinthefieldofHR

includeensuringtherightnumberemployeeswiththeappropriatecompetencesareapartofthecompany.Plansforemployee

assessmentarealsoinplace.

Raiffeisen Towarzystwo Funduszy Inwestycyjnych S.A.

DuetotheacquisitionprocessofboththeBankandtheCompany,thekeyriskin2018wastheissueofretainingemployees;

the departure of even a single employee could endanger the continuity of the company’s operations. The increased risk

ofemployeedeparturesisconnectedwiththesaleofthecorebankingactivitiesofRaiffeisenBankandofRaiffeisenTFItoBank

BGZBNPParibas.

Short-termriskreductionstrategieslistedbytheCompanyare:

• determiningthedistributionofdutiesbetweenemployeesintheeventofsomeone’sabsence,

• marketmonitoringinsearchofpeoplewithwhomtheCompanywouldliketocooperateinordertoshortentherecruitment

process,thepossibilityofshort-termemploymentintheeventoftheneedforasuddenreplacement.

Attheendof2018,thecompanyhad11employees(5womenand6men).Duringtheyear,theRaiffeisenTFIemployeeteam

had a rotation on two positions.

In2018allinitialandperiodichealthandsafetytrainingswereconductedatRaiffeisenTFIbyemployeesofBHPRaiffeisenBank.

Noaccidentswerereportedinthecompanyin2018.

TheCompanydoesnothave regulationsas farasother typesofemployee trainingareconcerned.Alldecisionsaremade

bythecompany’sManagementBoardbasedonthesubmitteddemand.In2018,fiveemployeesunderwentinvestmentconsultant

training,oneemployeecompletedtrainingininternalcommunication,andoneemployee–inthefieldofprojectmanagement.

Duringtheyear,employeesparticipatedinseveraltrainingsregardinglegalchanges.Allvocationaltrainingswereexternal.

Aspartofbenefits,employeesofthecompanywereentitledtomedicalcareinEnel-MedandMultiSportcards.

InMarch2019,thecompanywillmergeoperationallywithBGŻBNPParibasTFI.

BNP Paribas Group Service Center S.A.

ThekeygoalofHRmanagementatBNPParibasGSCisthedevelopmentofacoherent,integratedHRpolicy.Thecompany

hasintroducedWorkRegulations,RemunerationRegulationsandhasestablishedanHRCommittee,responsibleformonitoring

theimplementationoftheadoptedregulations.

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BNPParibasGSCprovidesservicestosubsidiariesoftheBNPGroupinPolandandglobally.Thelargestnumberofemployees

worksintheso-called“islands”insupermarketsandprovideloanintermediationservices.Inaddition,thereisanITdepartment

at BNP Paribas GSC which develops banking systems.An employment-related risk identified by the company is turnover

in the direct sales department (islands in shopping centres). For this reason, future plans in the field of human resources

managementincludelimitingemployeeturnover.

Attheendoftheyear,thecompanyhad291employees.TherewasoneaccidentonthewaytoworkinBNPParibasGSCand

BNP,in2018.

3.3 Diversity management

Diversity in BGŻ BNP Paribas

Diversitymanagementaimstoeliminatediscriminationatwork.Weareallresponsibleforcreatingaworkplaceenvironment,

whereeveryemployeeshouldfeelappreciated,respectedandabletofullydeveloptheirpotential.Ourorganisationsupports

diversityandstrivestowardsthefullacceptanceofdifferencesbetweenemployeesdueto:gender,age,disability,race,religion,

nationality,politicalbeliefs, tradeunionmembership,ethnicity, religion, sexualorientation,andalsodue toemployment type

(definite/indefiniteperiod,full-time/part-time).ADiversityOfficerisresponsibleformeetingthegoalsoftheDiversityManagement

Guidelines.

[GRI 405-1]

Employment by gender

Women Men Total

Total percentage 67% 33% 100%

Branches 75% 25% 48,0%

Headquarters 59% 41% 52,0%

Employment structure by gender

Employment structure

% share of women in a given category of employment structure

% share of men in a given category of employment structure

100%

Directors 37% 63% 100%

Managers 60% 40% 100%

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Employment structure by gender

Other positions 69% 31% 100%

Total 67% 33% 100%

Composition of supervisory units by gender

Structure Women Men Total

Supervisory Board 1 10 11

Management 0 10 10

Composition of supervisory units by age

Structure <30 30-50 >50

SupervisoryBoard 0 4 7

Management 0 3 7

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Employment in the organization by age*

Age Women Men Total

<30 1048 571 1619

30-50 4894 2478 7372

>50 632 248 880

Total 6574 3297 9871

Branches 3552 1190 4742

Headquarters 3022 2107 5129

* Activeemployees–headcountexcludingemployeeswhoareonlong-termleave(long-termsickleave,maternityandparentalleave,etc.).

Employment by voivodship

Women Men Total

dolnośląskie 303 119 422

kujawsko-pomorskie 225 71 296

lubelskie 236 82 318

lubuskie 121 26 147

łódzkie 217 78 295

małopolskie 646 470 1116

mazowieckie 2582 1683 4265

opolskie 77 22 99

podlaskie 128 30 158

podkarpackie 173 51 224

pomorskie 266 133 399

śląskie 686 236 922

świętokrzyskie 91 22 113

warmińsko-mazurskie 214 47 261

wielkopolskie 404 194 598

zachodniopomorskie 205 33 238

Total 6574 3297 9871

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Key data on the age  of our employees

71 years theoldestemployeeofour organization

19 years the youngest employeeofourorganization

38 yearsaverageageofBGŻBNPParibasemployees

In2016,ourorganizationadoptedtheDiversityPolicy.Theaimofthepolicyistocreateandpromoteaworkenvironmentoriented

towardsrespectandtheoptimaluseofemployeepotentialstemmingfromdifferencesbetweenemployees.

WearealsoasignatorytotheDiversityCharter.Itisacommitmentsignedbyorganizationsthatwishtocounteractdiscrimination

intheworkplaceandtopromotediversity.ThesigningoftheDiversityCharterexpressesthecompany’sreadinesstoinvolveall

employeesandpartnersintheseactivities.Organizationswhichdecidetoimplementthistoolworktowardssocialcohesionand

equality.

AttheleveloftheentireBGŻBNPParibasGroup,theILOGlobalBusiness&DisabilityNetworkCharterwassigned.Thesignatories

ofthisdocumenthavemadeacommitmenttopromotingdiversityandcreatingacommunitycultureintheworkplace.

Inclusion strategy for the disabled

Ourinclusionstrategyforpeoplewithdisabilitiesconsistsoftwotypesofactions–internalandexternal.Weemploypeoplewith

disabilitiesandwearehappytoseetheminourBankasclients.

OurBankemployspeoplewithdisabilitiesandisopentocandidateswithdisabilities.

ThenewbranchesofourBankareadaptedtotheneedsofpeoplewithdisabilities.

Withthedisabledinmind,weorganizespecialworkshops,trainingsandscriptsforemployeesregardinggoodpracticesand

savoir-vivrerules.

Read about our efforts to increase the availability of products and services

Number of disabled employees by gender

Women Men TotalBranches 37 10 47

Centers 30 15 45

Total 67 25 92

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3.4 Development of the organization. Employee training

[GRI 103]

Our organization has devised a comprehensive system of professional development including career path design based

onassessmentsofprofessionalpotential,analysesofemployees’needsandcompetencedevelopmentmanagement.Weare

convinced that furtheringknowledgeandprofessionaldevelopmentare requirements for thesuccessofbothouremployees

andtheBankitself.Investingintheprofessionaldevelopmentandcommitmentofemployeesservestocreateagoodworking

environment. That is why we offer our employees various development opportunities: vertical promotions, development

opportunitiesinanotherareasandawiderangeoftraininganddevelopmentprogramstailoredtoindividualneeds.

BGŻBNPParibasemployeeshavetheopportunitytoparticipateinvariousformsoftraining:internalandexternal,e-learning,

group training, education at universities and language schools. The Bank also conducts coaching andmentoring projects.

Additionally, in2018allouremployeesreceivedHRNEWS–anHRvideonewsletteraboutchangesandeventsinthearea

ofHRmanagement.

Training programs in 2018

In 2018, as part of employee development management, our Bank organized, i.a.:

[GRI 404-2]

Occupational Mobility Days  

OMDisaseriesofinitiativestakingplaceoveratwo-weekperiod.TheaimistopresenttheopportunitiesofferedbytheBank

in termsofprofessionaldevelopment.TheOccupationalMobilityDayshaveshownemployees that theyshould thinkabout

professionaldevelopmentintermsofpersonalprojectmanagement.Theyencouragedustoconsideracareeroutsideoftheteam

weworkin,butalsoshowedabroadercontext–encouragedustoventurebeyondtheteam,department,businesslineandeven

thecountry.In2018,thefollowingcompanieswereinvitedtocooperateinOMD:ArvalServiceLeasePolska,BNPParibasCardif

Polska,BNPParibasLeasingSolutionsandBNPParibasSecuritiesServices.

Learn from Each Other

TheaimoftheprogramwastoexchangeknowledgeandexperiencesbetweenemployeesofBNPParibasGroupcompanies,

to learnaboutvariousaspectsofworkcultureandtocreatebusinessnetworks.Theemployeesof7companiesof theBNP

ParibasGroupparticipatedinLFEO:BGLLuxemburg,USBUkraine,BNLItaly,BMCIMarocco,TEBTurkey,BGŻBNPParibas

andFranceHQ.

Women in Business

WomeninBusinessisaprogramimplementedattheGroupleveltosupportfuturemanagersinassumingtheroleofaleader,

exertinganincreasinginfluenceontheBank’sbusinessstrategyandreadinessforverticalpromotions.

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In 2018, our organization raised employee competences through the following courses and trainings:

• Trainingrelatedtothenewproductofferandtousingtheoperatingsysteminanewformula–initialtrainingforemployees

ofthesalesnetworkoftheRetailandBusinessBankingsegment;

• Coursesaimedatraisingthelevelofproductknowledge–foremployeesofthesalesnetwork,includinginvestmentfunds

andinsurancesales;

• Training supporting the development of sales competences and increasing the level of customer service quality – for

employeesofthesalesnetworkoftheRetailandBusinessBankingAreaandCorporateBanking;

• Compulsorytrainingresultingfromlegalregulationsthatenteredintoforcein2018(RODO,MIFID2);

• Trainingimplementingthepost-auditrecommendationsofthePolishFinancialSupervisionAuthority;

• Trainingsupportingthedevelopmentofmanagerialleadershipcompetencesandcommunicationskills,includingFeedback

trainingsimplementedaspartoftheManager’sAcademy;

• TrainingsupportingthedevelopmentofriskcultureattheBankaswellasthepro-activeattitudesofemployees,especially

intheareasofoperationalriskandcompliance;

• Stressmanagementtraining;

• TrainingsrelatedtothemergerofBankBGŻBNPParibaswithapartofRaiffeisenBankPolska;

• A’vistasoftcompetencestrainingfortheBank’sorganizationalunits,inaccordancewiththeneedsoftheseunits;

• Foreignlanguagecourses.

[GRI 404-1]

Number of training hours by gender and employment structure *

Employment structure

Number of training hours per person – women

Number of training hours per person – men

Number of training hours per person – total

Other employees 23,76 20,82 22,91

Senior executives 32,93 22,97 28,52

Management 12,51 12,51

Total 24,85 21,24 23,72

* DatadonotincludeemployeeswhojoinedtheorganizationasaresultoftheacquisitionofthecorebankingactivitiesofRaiffeisenBankPolska.

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Development programs

[GRI 404-2]

Digital Ambassadors

Design Thinking

Aspartof thesecondeditionof “Prestiż” (“Prestige”),weorganizeda trainingprogramaimedateducatingDesignThinking

moderatorscompetenttohandleCustomerandEmployeeJourneys.

Manager Academy

Managerialskillsdevelopmentprogram:coursesimprovingthedevelopmentofmanagerialleadershipcompetences,including

competencesinthefieldofsalesemployeemanagement.

Employee evaluation system

[GRI 404-3]

Our organization has an annual employee evaluation system. The annual assessment is one of themost important forms

ofcommunicationbetweenthemanagerandemployee.Itisacrucialtoolwhichallowsmanagerstoassesstheperformance

ofentrustedtasks,toprovidefeedbackontheeffectsandtodeterminefuturedirectionsofdevelopment.TheAnnualAssessment

Process for2018wassimplifieddue to themergerofbanks (only thesuperiorevaluates theemployee)and isseparate for

employeesofthecurrentBGŻBNPParibasBankandforemployeeswhojoinedtheBankaspartoftheacquisitionofRaiffeisen

BankPolska.

Before themerger, employees ofRaiffeisenBankPolskawere assessed for 10months of 2018.Theywere notified about

theresultsand theassessmentwillnotbechanged; theresult for thefirst10months is included in theresultof theannual

assessmentfor2018.AllemployeesoftheBankwereincludedintheannualevaluationprocessfor2018.

TheAnnualEvaluationProcessforemployeesofBankBGŻBNPParibasconsistsof:

1. Initialassessmentofthesuperior

2. Validationofgrades

3. Submissionofthefinalassessmentbythesuperior

4. Notifyingtheemployeeabouttheassessment

EmployeeswhojoinedtheorganizationasaresultoftheacquisitionofthecorebankingactivitiesofRaiffeisenBankPolskaare

subjecttothefollowingstagesofassessment:

1. Authorizationofpreviouslydeterminedannualratings

2. Validationofgrades

3. Submissionofthefinalassessmentbythesuperior

4. Notifyingtheemployeeabouttheassessment

From2019,onecohesiveemployeeevaluationsystemwilloperateinourorganization.

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3.5 Employer Branding

Formanyyears,wehavebeenbuildingtheimageofourbrandasadesiredemployer(EmployerBranding).In2018,wecontinued

effortsaddressedtocurrentandpotentialemployees.WecarriedoutaGlobalPeopleSurveyto learnaboutouremployees’

opinionsandconductedawiderangeofinternalandexternaltrainingaswellasdevelopmentprograms.

Our initiatives

Inorder tostrengthen the imageof theBankasadesirableemployer in2018,weconductedanothersurveyofemployees’

opinions,whichshowedtheirneeds.Wehavealso implementedsomeof theemployees’ ideas fromthe2017survey(learn

more:BEneFIT).Manyinternalandexternaltrainingsaswellasdevelopmentprogramshavebeencarriedout.Wecontinued

theimplementationofafeedbackcultureandofopen,multi-directionalcommunicationmethodswhichstrengthenthedevelopment

ofouremployees.Wealso implementedexternal initiatives related to further improving theBank’s image– internshipsand

apprenticeships for students and graduates of higher education institutions.

Internship programs

“Ambasadorskie Duety” (“Ambassador Duo”)

“AmbasadorskieDuety” (“AmbassadorDuo”) is a programdirected at students.Participation in the program lasts one year

andinvolvestheimplementationofvariousinitiativespromotingtheBankatauniversity.Participationintheprogramprovides

studentswithanopportunitytogainexperienceintheimplementationoftheirventuresandtoacquirespecialistknowledgefrom

theBank’sexperts.Italsoprovidesadditionaltraining,scholarshipsandaprizeforthebestDuo.

Theprogramisdirectedtothosewhoshowenergy,awillingnesstoactandwhohavemanyideasforpromotingtheBankintheir

universityenvironment.Thebankacquaintsitsambassadorswiththesecretsofemployerbranding,withgoodemployerbranding

practicesaswellaswiththeBank’soperationsandsocialmediapolicy.

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In2018,thesecondeditionoftheprogramtookplace.TheDuosacquaintedtheirfellowstudentswiththeBank’scapabilities

atleadinguniversitiesinfourmajorPolishcities:Warsaw,Krakow,PoznanandGdansk.

ProgramParticipants:

• UniversityofWarsaw

• WarsawSchoolofEconomics

• WarsawUniversityofLifeSciences

• CracowUniversityofEconomics

• AGHUniversityofScienceandTechnologyinKrakow

• UniversityofEconomicsinPoznan

• UniversityofGdansk.

“Postaw na rozwój” (“Focus on Development”)

“Postawna rozwój” (“FocusonDevelopment”) isa3-monthprogramofpaid internships inourorganization. It isaddressed

tostudentsof thesecondandsubsequentyearsand touniversitygraduates.Theprogram isaddressed to thosewhowish

toinvestintheirdevelopmentandwhoareinterestedintheworldoffinance.Applicantsshoulddemonstrateinnovativenessand

awillingnesstoexplore.Conceptssuchas“deposit”,“riskmanagement”and“factoring”shouldbefamiliartothem.

Recruitment process

Ourorganizationbelievesintheimportanceofrecruitmentquality.Wesearchforcandidatesandemploythemincompliancewith

applicablelawsandthebestmarketpractices.

Wewanttoreachasmanytalentedcandidatesaspossible,whichiswhywestrivetobepresentwhereverwemightfindthem

–atjobfairs,atuniversitiesandinsocialmedia.Weofferinternshipsandapprenticeshipstopeoplewithoutworkexperience.

Weinviteemployeeswithextensiveexperiencetoparticipateininternalrecruitmentwhichplaysanimportantroleintheprocess

offillingmanagerialpositions.Employeeswhovalueprofessionaldevelopmentcanimplementtheirplansinourorganization.

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Future plans for human resources management

• ContinuationoftheDigitalAcademy–aseriesofworkshopsondigitaltransformationavailabletoallemployeesoftheBank.

Theaimistoraisethelevelofknowledgeondigitizationandincreasedigitalcompetence;

• CreationofanHRknowledgedatabaseintheformofachatbotforemployees;

• DevelopingdigitalcompetencesintheareaofHRcommunicationthroughVideoFactory,videoproductionandbybuilding

agreenroom.

• Developingacultureoftrust-basedcooperationbydevelopingfeedbackculturefoundedonthepillarsofstrategyandvision.

Workshops,trainingsessions,aninformationdatabaseontheIntranetandinspirationalmeetingsdevelopingthenecessary

competencesareplanned.Wealsoplantopromote–invariousways–themostimportantvalueschosenbyemployees;

• “Zoom na zmianę” (“Focus on change”) training project which supports the development ofmanagerial and employee

competencesinthechangeprocess;

• “Zoomnarozwój”(“Zoomondevelopment”)trainingprojectwhichinvolvesanumberofcoursessupportingthepersonal

developmentofemployeesinthefieldofself-development,organizationofworkingtime,communication,cooperationand

relationshipbuilding;

• ImplementationoftheLearesCenterClubsocialplatform(alsoasamobileapp)supportingdevelopment, theexchange

ofknowledgeandexperiencesamongtheBank’smanagersandstrengtheningthecommitmentofthemanagerialstaff;

• ProvidingaplatformforlearningEnglish(alsoinmobileform)forallemployeeswithoutrestrictionsastotheplaceofuse

(workorhome);

• Nexteditionofthesummer“Holidayswithdevelopment”project–inspiringworkshopsandnetworking–inthetrainingcentre

ofBankBGŻBNPParibasinLeszno.

IN2018,THEHRPOLICYOFBANKBGŻBNPPARIBASWASRECOGNIZEDFORCOMPLYING WITHTHEBESTPRACTICESONTHEMARKETINTHEAREAOFHRMANAGEMENTAND AWARDEDTHETOPEMPLOYER2018.INJANUARY2019,WERECEIVEDTHISPRESTIGIOUS TITLEONCEAGAIN.

FURTHERMORE,THETOPEMPLOYERSINSTITUTECONDUCTEDASURVEYAMONG EMPLOYERSINEUROPEANDAWARDEDTHEBNPPARIBASGROUPWITHTHETOPEMPLOYER EUROPE2019CERTIFICATE.ASANORGANIZATION,WEWILLSTRIVETOFURTHERIMPROVE OURHRPOLICY.

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4. Social responsibility of Bank BGŻ BNP Paribas  – The Bank as a good neighbour

Social responsibility is one of the four pillars of the CSR Strategy of BGŻ BNP Paribas. It includes initiatives to increase

theaccessibilityofproductsandservices,respectforhumanrights,counteractingsocialexclusion,andphilanthropicinitiatives

withinthefieldsofart,solidarityandtheenvironment.

Forourorganization,social responsibilitymeansacting for theenvironment inwhichweoperate.We focusonareaswhere

theBankcancontributetopositivesocialchange.Wecounteractsocialexclusion,i.a.byincreasingtheavailabilityofproducts

andservices.Wearehappytosupportculture.Weareproudofthesocialcommitmentofouremployeesandthenumerous

initiativesoftheBGŻBNPParibasFoundationaimedateducationalsupport.

All companieswithin theCapitalGroupof theBankseegreat value in conductingbusiness inaccordancewith thehighest

standardsofaccountabilityandtheglobalguidelinesoftheBNPParibasGroup.EmployeesofBGŻBNPParibassubsidiaries

arealsowillingtojoininitiativesimplementedatBanklevel,asexemplifiedbythe“SzlachetnaPaczka”(“NobleGift”)volunteer

campaign.In2018,GroupServiceCenterS.A.activelysupportedthe“SzlachetnaPaczka”(“NobleGift”)campaignforthefirst

time. The company’s employees actively participated in collecting funds, purchasing gifts and handing over packages for

afamiliesinneed.BNPParibasLeasingSolutionsisinvolvedintheCSRinitiativesofBNPParibasLeaseGroupSp.zo.o.(BNP

ParibasLeasingSolutions).InaccordancewiththeGroup’sPolicy,BNPParibasLeasingSolutionsstrivestoincreaseemployee

involvementandcommitmentwithinlocalcommunities.

Social initiatives are also an indispensable element of employee integration within the Bank’s Group after the acquisition

ofthecorebankingactivitiesofRaiffeisenBankPolska.Weknowthatspreadinggood-willtogetheristhebestintegrationtool.

From1November2018,allemployeesofthemergedBankwereincludedintheinitiativesoftheCSRBureauandtheBGŻBNP

ParibasFoundation.Thefirstinitiativewhichtheyhadtheopportunitytogetinvolvedinwasanemployeevolunteerproject,part

oftheBank’sstrategicpartnershipwiththeWiosnaAssociation–theorganizerofthe“SzlachetnaPaczka”(“NobleGift”)social

campaign.Theteampreparationofparcelsforover100familiesinneedhasresultednotonlyingreatsupportfortheneedy,but

alsocontributedtoariseinmotivationforfurtherinitiativesaimedataidingothers.Weplantomotivateemployeesofthemerged

Banktobecomeincreasinglysociallyinvolved.

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2018 in numbers:3 220sociallyinvolvedemployees

50LocalBankAmbassadorsoperatingthroughout the country

over 2000BGŻBNPParibasvolunteeremployeesfromalloverPolandhavepreparedpackagesfor100familiesinneed as part of the “SzlachetnaPaczka”(“NobleGift”)campaign

60volunteersconducted187lessonsforover3700pupilsaspartoftheBAKCYLprogram

over PLN 1 million donationstosocialorganizations in the 8theditionoftheLocalGrantsProgram

4branchesoftheBank (inWarsawandBialystok)received“Institution without barriers”certificatesawardedbytheIntegration Foundation

4,5 thousand participantsof8“Agromeetingsonheels”

27 643kilometrescoveredaspartofthe“DobreKilometry”(“GoodKilometres”)campaign

38 litresofdonatedbloodaspartofthe“Krwinka”(“BloodDonationDay”)campaign

700scholarshipholdersfromover300citiesduringthe16yearsofthescholarshipprogram“Klasa”(“Class”)

over 2000hoursofmusicclassesforchildrenwithinthe3yearsofthe“DreamUp”program

3000childrenplayingtennisaspartofthe“Dzieciakidorakiet”(“KidstotheRackets”)event

610primaryschoolsparticipating in the “Dzieciakidorakiet”(“KidstotheRackets”)project

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4.1 Availability of products and services

[GRI 103]

IncreasingtheavailabilityofproductsandservicesisoneofthetwelvecommitmentssetoutintheCSRStrategyofBankBGŻ

BNPParibas.Furthermore, theFastForwardstrategystronglyemphasizesavailabilityandopenness–ourgoal is toadapt

productsandservicestotheneedsofthedisabledandthosewithspecialneeds,butalsotheneedsoftheelderlyandthose

fromexcludedgroups.Thenewbranchdesign,whichisapartofthestrategy,providescustomerorientationaswellasadigital

transformationofproducts,servicesandprocesses.

Wedefinetheconceptof “accessibility”similarly to thedraftActonAccessibilityofNovember23,2018,filedby theMinistry

ofInvestmentandDevelopment–as:“suchpropertiesofthephysicalenvironment,meansoftransport,communicationsystems,

goodsandservicesthatallowpeoplewithdisabilitiestousethemindependentlyandonanequalbasiswithotherpeople.”

Ensuring the availability of our organization’s products and services, among other things, includes:

• takingintoaccounttheneedsofpeoplewithdisabilitieswithregardtocurrentandplannedoperations,

• meetingtherequirementsofdigitalaccessibility,

• removingbarrierswhichwouldimpedeaccesstoservicepoints,aswellaspreventingtheoccurrenceofsuchbarriers,

• ensuringtheaccessibilityofinformationabouttheactivity,productsandservicestopersonswithdisabilities.

WeapproachtheissueofthewideavailabilityofourBank’sproductsandservicesasoneofutmostpriority.Weareconstantly

workingonthedevelopmentofourbranchnetworkandbankstandsinshoppingcentresthroughoutthecountry.Wealsooffer

loanproductsthroughpartnerstores,aswellasatselectedcardealerships.

Weregularlyanalyseallthechannelsofaccesstoourofferintermsoffunctionalityanduser-friendliness.In2017,weadapted

theBank’swebsitetosomeoftherequirementsregardingtheaccessibilitystandardsforpeoplewithdisabilities(WCAG2.0.)and

wecommissionedanauditofwebsiteaccessibility.TheauditwascarriedoutbytheIntegrationFoundation.

WesystematicallyexpandtheavailabilityoftheBank’sofferforpeoplewithdisabilities.AllnewbranchesoftheBankaredesigned

with theneedsofcustomerswith limitedmobility inmind. Inexisting facilities,we try toeliminatearchitecturalbarriers.Our

facilitiesaresubjecttoaccessibilityauditsandobtainthe“Institutionwithoutbarriers”certificates.

Withtheneedsofvisuallyimpairedcustomersinmind,theBank’sbranchesareequippedwithmagnifyingscreensandframes

forsigningdocuments.Weconstantlyeducateemployeesoftheretailbranchnetworkinthefieldofservicequalitystandardsfor

thedisabled.

Weassisttheelderlyingettingaccustomedtoelectronicbanking.Tothatend,specialclassesareorganisedbytheBank.

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In2018,weworkedonimprovingaccessibilitythroughinitiativesinmanyareas,including:

• branches,

• ATMs,

• onlineservices,

• mobilesolutions,

• transactionbanking,

• service,

• training.

Map of branches and business centres at the end of 2018

Asat31December2018,theBankhad674retailandbusinessbankingbranches(466branchesofBankBGŻBNPParibas

and208includedinthenetworkstructureasaresultoftheacquisitionofthecorebankingactivitiesofRaiffeisenBankPolska).

Thebranchnetworkissupportedbyoneexternalcashdeskhandlingbothcashandcashlesstransactionsand7PrivateBanking

Centres.Theretailnetworkisfurthersupportedby105CustomerServicePoints.

Bankingproductsandservicesdedicated to corporate customersweresoldby44SMEBusinessCentres,operatingwithin

6SMEBankingRegionalBranchesandby8CorporateBusinessCentres.

AttheendofDecember2018,theBankhadanetworkof407cashdepositmachines(CDMs)–double-functiondevices(210

BankBGŻBNPParibasATMsand197exRBPLcashdepositmachines)and331BankBGŻBNPParibasATMs.

AlldeviceslocatedatBGŻBNPParibasbranchesareownedbytheITCardcompanyandaremarkedwiththeBGŻBNPParibas

logo.TheBankistheowneroftheCDMslocatedattheexRBPLbranches,thesemachinesbelongtotheEuronetnetwork.

Redesign of the Bank’s branches

ThedigitalizationoftheBank’sbranchnetworkisanelementoftheimplementationoftheFastForwardstrategywhichemphasises

customerorientationandthedigitaltransformationofproducts,servicesandprocesses.

InthenewdigitizedbranchesofBankBGŻBNPParibastraditionalcustomerservicestandswillbereplacedwithdigitalscreens,

tablets,computerstationsandprinters.Selectednewbranchesdonothaveanycashdesks.Owingtotheautomationofbranches,

employeescanfocusontheneedsofcustomersandhigh-qualityservice.Cashtransactionsarepossiblethankstomachines

locatedatbranches(double-functionATM/CDMs,abletoperformcontactlesstransactions,includingBLIKtransactions),available

tocustomers24/7.ClientscanalsouseRORdebitcardsandaready-to-usecardwhichisissuedimmediately(so-called“instant

issuing”)onsite.FreewifiavailableinbranchesallowscustomerstodownloadandusetheBank’sapplication.Thedesignofnew

generationbranchesincludesacomfortablespaceformeetingswithconsultants,equippedwithsofas,sothatmeetingsmaytake

placeinacosyatmosphere.AtselectednewbranchesoftheBank,customershaveacoworkingspaceattheirdisposal–anarea

withseparateworkspaces,thenecessaryequipment,meetingroomsandbusinessconferencerooms.

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InordertoensurethatallcustomerscanfreelyandconvenientlyusetheBank’sservices,wecreateseparatezonesforchildren

intheredesignedbranches,sothattheirparentsmaytalktotheBank’semployeeswithoutworryingabouttheirchildren.

– We focus on the digitalization, simplicity and high quality of our services. Thus, we respond to the growing needs of customers, and contribute to an increase of customer satisfaction. Our goal is to provide our clients  with  greater  availability  and  convenience.  We  will  continue  to  work  on  raising  the  standards of our branches, guided by the choices of clients and at the same time we will ensure the comfort of our employees. – Przemysław Furlepa, Vice President of the Management Board, responsible for Retail and Business Banking Area

Read more here.

Thefirstdigitalizedbranchwasopened inOctober2017, inWarsaw.Thenextbranches in thenew formatwerecreated in:

Warsaw(FrancuskaStreet),Bialystok,ZduńskaWolaandMyślibórz.In2018,moredigitalizedbrancheswerecreated,including

inWarsaw(Wilanów)andInowrocław.InSeptember2018,ourorganizationestablishedabranchintheMarszałkowskaCenter

officebuildingatMarszałkowska126/134St.inWarsaw–inthebuildingoftheformer“Sezam”.

Bank branches as meeting places

Atournewbranches,wecombinethebusinessworldwiththeartisticandculturalworld.IntheMarszałkowskaCenter,“Sezam

Literacki”(“LiterarySesame”)meetingsareorganizedonceamonth.Literaryeveningsfitintothewidercontextofthebank’s

activities–thisisoneoftheinitiativesaimedatintegrationwiththelocalcommunity.Theseinitiativesarenotcommercial;during

themeetings,thebank’sproductsorservicesarenotadvertised.

OtherinitiativesorganizedatBGŻBNPParibasbranchesin2018include:“SukcesPisanySzminką”(“SuccesswritteninLipstick”)

meetings(atabranchonFrancuskaSt.inWarsaw),entrepreneurshiplessonsforchildrenandyouth,educationalmeetingsfor

seniorsaboutcybersecurity,meetingsintheframeworkofcooperationwithassociations,foundationsandotherentities.

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Wehope that thenewbrancheswillenjoy the interestofcurrentand futureclients,owing, i.a. to the launchof the“Lokalny

Ambasador Banku” (“Local BankAmbassador”) project. LocalAmbassadors – selected from branch employees – integrate

thelocalcommunityaroundthebankbyorganizingvariousevents.Theprojectsincludescoursesforseniorsonthesafeuse

ofelectronicbankingandentrepreneurshipworkshopsforchildrenandyouth.Currently,thereare50LocalBankAmbassadors

operating throughout the country.

Transformation Support Managers

Agroup ofBGŻBNPParibasmanagerswas selected as responsible for initiatives promoting the use of new technologies

amongemployeesandclients,aswellaseducationinthisarea.Theaimistoovercomebarriersrelatedtothefearofusing

newtechnologicalsolutions,todeepenknowledgeaboutthenewtechnologicalsolutionsandtocounteractexclusioninaworld

dominatedbynewtechnologies,especiallyinsmallertowns.

TransformationSupportManagersprovideeducationalsupportandtrainconsultantsfromvariousagegroupsintheuseofnew

technologiesintheworkenvironment(cashdepositmachines,mobileandelectronicbanking).Thus,theyensurethatcompetence

levels among consultants are similarwhen it comes to sales talkswith clients.At the same time, the consultants’ chances

onthelabourmarketarelevelled.ThetaskofTransformationSupportManagersisalsotoeducateclientsinthefieldofnew

technologicalsolutionsavailableinbankbranches,whichcounteractstechnologicalexclusion.Andfinally,theyraiseawareness

oftherisksassociatedwithcybercrime–e.g.byexplaininghowtosafelynavigateonlineandhowtosecurelyuseonlinebanking.

Branch certification

[GRI 203-1]

BankBGŻBNPParibasstrivestocertifybranchesintermsofaccessibilityforcustomerswithdisabilities.In2018,“Obiektbezbarier”

(“Institutionwithoutbarriers”)certificatesweregrantedbytheIntegrationFoundationtofourbranchesoftheBankinWarsawand

Białystok.Atthebeginningof2019,abranchinMyślibórzreceivedthecertificate.Morebranchesareinthecertificationprocess.

Facilities used in branches take into consideration the needs of people onwheelchairs orwith physical disabilities, aswell

asblind,visuallyimpairedordeafpeople.Thefacilitiesarealsoadaptedtotheneedsoftheelderlyandyoungchildren.Atsuch

branchesapersonmovingonawheelchaircanaccessalltheservicesavailabletoothercustomers.Thereisatleastonestation

ofeachtypefullyadaptedtotheneedsofthedisabled.Theglasselementsofthestructurearecoveredwithinformationand

patterns,whichensuresthehighvisibilityoftransparentelementsforthevisuallyimpaired.Alldoorsandpartitionsinthebuilding

meettherequirementsofwidthforpeoplewithimpairedmobility.CustomersonwheelchairscanfreelyreachATMs.Important

buttonshavebeenplacedattheappropriateheight,ATMsareequippedwithheadphonesocketsandanumerickeypad.

“Sezam” (“Sesame”) as the Warsaw Investment without barriers

TheflagshipbranchofBankBGŻBNPParibaslocatedintheformer“Sezam”(“Sesame”)hasbeenawardedaprizeforafacility

best-suitedtotheneedsofthedisabledinthe“WarsawInvestmentwithoutBarriers”2018competition,organizedbytheIntegration

Foundationand theCapitalCityofWarsawaspartof the “WarsawwithoutBarriers”project.ThebranchofBankBGŻBNP

ParibasatMarszałkowska126/134,intheformer“Sezam”,receivedaprizeintheresidential/office/commercialcategory.

Theawardceremonytookplaceduringthe23rd“GrandGalaofIntegration”.TheannualeventisorganizedbytheIntegration

Foundationandisanopportunitytohighlightinitiativesforpeoplewithdisabilities,especiallythosewhichimproveaccessibility.

Read more

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Partnership for accessibility

[GRI 102-12], [GRI 102-13]

InNovember2018,we joined the“Partnerstwonarzeczdostępności” (“Partnership forAccessibility”)program,which ispart

ofthe“DostępnośćPlus”(“AccesibilityPlus”)initiative.ThepartnershipwassignedonbehalfoftheBankbyMaciejChlebowski,

DepartmentDirectorforBranchNetworkDevelopmentandTransformation.Thesignatoriesofthedocumentcommittotheidea

ofaccessibilityandequaltreatment,andaimtolevelopportunitiesandaccessforallcitizenstothephysical,social,andcultural

environment,aswellastorecreation, leisure,sports,healthcare,education,work,transport, informationandcommunication.

Ourgoalistoadaptourproductsandservicestotheneedsofpeoplewithdisabilitiesandspecialneeds,aswellastotheneeds

oftheelderlyandthosefromexcludedgroups.

–  Increasing  the availability  of  products  and  services  is  one of  the Bank’s many  commitments  under the CSR Strategy. Currently, 5 branches of  the Bank have  the “Obiekt bez barier”  (”Institution without barriers”) certificates, and more are in the certification process. In the coming year, we plan to continue this  process  throughout  Poland  – Maciej Chlebowski,  Director  for  Branch Network Development  and Transformation Department at BGŻ BNP Paribas.

Read more here.

Accessible ATM

[GRI 102-12]

BankBGŻBNPParibasisapartnerofthe“DostępnyBankomat”(“AccesibleATM”)project,launchedbyaworkinggroupdevoted

to customer service for thedisabled, operatingat thePolishBankAssociation, in cooperationwith a number of banksand

theWidzialniFoundation.ThegroupoperateswiththesupportandunderthepatronageoftheNationalBankofPolandand

theMinistryofEnterpriseandTechnology.

The “AccessibleATM”onlineplatform is fullyavailable toall Internetusersandprovidesaccess toa full databaseofATMs

belongingtovariousbanksandATMnetworkoperatorsinPoland.

Theaimoftheprojectistocounteractsocialanddigitalexclusionbyeliminatingrestrictionsandincreasingaccesstofinancial

services for peoplewith various needs.A comprehensive database ofATMs – including their location and adaptation level

enablespeoplewithdisabilitiestobemoreactiveandindependent.TheapplicationalsohighlightsATMswhicharebestsuited

totheneedsofpeopleatriskoftodigitalexclusion;itisalsoasimpleandextremelyintuitivewaytosearchforspecificATMs

basedonlocation,bankortypeofadaptation.

Visit the platform: www.dostepnybankomat.pl

Addressing the needs of the visually impaired

BankBGŻBNPParibascustomerswithsightdisabilitiescanorder (inabranchor via the infoline)a translationof contract

templatesforstandardproductsintotheBraillealphabet.Theserviceisavailablefrom1January2019.

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Inthefuture,theBankplanstointroduceanaudibleinstructionsfunctioninATMsandcashdepositmachines,soastoenable

thevisuallyimpairedtousetheATMwiththeaidofheadphonesandaBraillebutton.

Cooperation with “Krajowy Instytut Gospodarki Senioralnej”  (“National Institute for the Elderly”) – Senior OK Passports

[GRI 102-12], [GRI 102-13], [GRI 203-1]

Weareapartnerofthe“KrajowyInstytutGospodarkiSenioralnej”(“NationalInstitutefortheElderly”),whichcreatedaQuality

BookfortheQualityMark–OKSENIOR®fouryearsago.ItisaCertificationProgramforservicestaff,productsandservices

addressedtoSeniors.Aspartofcooperationwithourorganization,theInstitute’srepresentativesconductmentoringworkshops

fortheBank’semployeesonhowtoeffectivelysupportseniorcommunities.Aspartofthepartnership,theBank’sAmbassadors

gaveout10,000SeniorPassports.Thebookletcontainsfamilycontactsandinformationaboutmedicationsandillnesses.Italso

listspublicbenefitsandrightsoftheelderly,andprovidesalistofhelpfulcontacts.Thepassportispartofthe“SeniorZnaczy

Szacunek”(“SeniorMeansRespect”)campaign.

In2018,theBankcarriedoutanauditofbranches,savingsaccountsandRORagreementswhichassessedseniorsfriendliness.

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4.2 Initiatives for local communities

[GRI 203-1]

Local Bank Ambassadors

Ouremployeesarewillingtojointhelifeoflocalcommunities,andtogetinvolvedinemployeevolunteering.Inthepastfewyears

theystrovetochangetheirimmediatesurroundingsforthebetteranddevotedthousandsofhourstohelpingothers.Tosupport

suchpositiveattitudes,BankBGŻBNPParibascreated theLocalBankAmbassadorsprogram(#LAB). InSeptember2018,

thetitlesof“LocalBankAmbassadors”weregrantedforthefirsttime.Fiftyemployeesreceivedthem.

#LABisanewprojectatourorganization,thefirstofitskindatBankBGŻBNPParibasandthroughouttheBNPParibasGroup.

Experts from various fieldswill prepare our employees for helping others and for playing an important social role. Several

segmentsoftheBankworkedtogethertopreparetheprogram:salessupportteams,HR,marketingandcommunications,CSR,

ITandtheCustomerRelationsManagementDepartment.

AspartoftheLocalAmbassadorsinitiative,wehaveestablishedcooperationwiththeSocialWolvesorganization,thecreators

of the “Zwolnieni z teorii” (“Exempt from theory”) project, whose goal is to educate social leaders. SocialWolves supports

theBank’sLocalAmbassadorsineffectivelyhelpingothers.Programparticipantsacquiredskillsthatwillhelpstudentstoget

involvedinsolvinglocalcommunityproblems.TheBank’sbranchesareameetingplacefortheprojectteams.SocialWolves

taught theAmbassadors to cooperatewith high school students and tomentor them.As part of the campaign promotional

packagesweresentto33schoolswherenosocialprojectsarecurrentlyavailable.

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Anotherpartnerofourcampaignis“KrajowyInstytutGospodarkiSenioralnej”(“NationalInstitutefortheElderly”),whichcreated

aQualityBookfortheQualityMark–OKSENIOR®fouryearsago.TheInstitute’srepresentativesconductmentoringworkshops

fortheBank’semployeesonhowtoeffectivelysupportseniorcommunities.

Ourpartnerinthecooperationwithprimaryschoolsis“SymulatorBiznesu”(“BusinessSimulator”)–aneducationalgamefor

childrenandyouth.

Business Simulator – an educational game for children and youth:

over 1500hoursofworkdevotedbytheBank’sLocalAmbassadorstoimplementing

14Ambassadorsamongthe“SzlachetnaPaczka”(“NobleGift”)Leaders

16winning projects in the LocalGrantsProgram(forall25projects)

…furthermore:

• entrepreneurship,bankingandfinancelessonsforchildren,carriedoutinbranchesandschools,

• meetingatschoolsandovercomingchallengestogetherwiththehelpofaneducationalgamedevelopedbytheBankand

the“BusinessSimulator”,

• meetingswithlocalfoundationsandjointsocialinitiatives,

• educationforyouthandseniorsonthetopicofonlinesecurity,

• supportformanyevents,festivalsandmeetingsinlocalcommunities.

Learn more

Local Grants Program

BankBGŻBNPParibashasbeenimplementingtheLocalGrantsProgramfor8years.Theprogramisdedicatedtoemployees

oftheBank’sbranchnetworkwhoapplyforfinancialsupportforlocalsocialentities.Thankstothegrantsawardedinthe8th

editionoftheprogram,anumberoforganizationswillbeabletolaunchinitiativessupportingequalopportunitiesforpeoplefrom

themostvulnerablegroups,especiallytheelderlyandthedisabled.Supportwillalsobeprovidedtoorganizationswhichaim

tostrengthentheroleofwomen.

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Within8years,wehavedonatedoverPLN1million. In2018grantswereawardedto25organizations,each in theamount

ofPLN4,000.TheaimoftheprogramistoimprovethequalityoflifeinlocalcommunitiesandtostrengthentheBank’sposition

ofareliablelocalpartner.Thisoftenresultsinlong-termcooperationbetweentheBankandalocalentity.

2018 in numbers:

overPLN1 million donations since the beginningoftheprogram

8 yearsofprogramduration

25organizations awarded grantsin2018

100 000 złthevalueofgrantstransferredin2018

16grants for organizations submittedbytheLocalBankAmbassadors

Learn more

4.3 Volunteering and social commitment

[GRI 103], [GRI 203-1], [GRI 413-1]

Employee volunteering

“Możesznamniepolegać”(“Youcancountonme”)isthemottoofasocialinvolvementprogramcoordinatedbytheBGŻBNP

ParibasFoundationandtheCSRBureau.Inordertomeettheneedsandinterestsofemployees,weoffervariousopportunitiesfor

socialinvolvementandsupportintheimplementationoforiginalideas.Thebasisofourcommitmentistheemployeevolunteering

program.Eachemployeeisentitledtotwoadditionaldays-offperyearforvolunteerwork.Employeescanusethembyengaging

inindividualvolunteering(helpingasocialorganizationoftheirchoiceorparticipationintheBAKCYLfinancialeducationproject)

–andteamvolunteering(initiativesofemployeegroups,aswellasprojects implementedbytheCSRBureautheBGŻBNP

ParibasFoundation.

Oursocialcommitmentincludesvolunteeringandparticipationinsocialinitiatives,including“Krwinka”(“BloodDonationDay”),

“DobreKilometry” (“GoodKilometres”), theLocalGrantsProgram, “Wspieramcały rok” (“I support all year-long”) andother

initiativescarriedoutorsupportedbyourorganization.

Learn more

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Social commitment 2018 - key data:

3220sociallyinvolvedemployees

2 529bankvolunteers

20 017ofvolunteerwork

121employeesinindividualvolunteering

2340employeesinteamvolunteering

over 60 volunteershaveconducted187lessonsforalmost4,500pupilsaspartofBAKCYL

2609beneficiariesof26projectsimplementedby128volunteersaspartofthe6theditionoftheCompetitionforSocialProjects(anationalgrantCompetitionforBankemployees)

566employeeshavecompleted123volunteeringprojectsin cooperation with localorganizationssince 2011

Competition for Social Projects (a national grant Competition for Bank employees)

Everyyear,aspartoftheCompetitionforSocialProjectsemployeesofBankBGŻBNPParibasfromalloverPolandcansubmit

ideasofinitiativeswhichcouldbeimplementedincooperationwithsocialorganizations.Theauthorsofthebestideasreceive

fundingfromtheBGŻBNPParibasFoundationfortheirimplementation.

In2018,128Bankemployees fromalloverPoland joined theCompetition.Thanks to their involvement,26originalprojects

addressed to local communitieswere implementedandcooperationwith26socialorganizationswas initiated. In total,over

2.6thousandpeoplebenefitedfromtheassistanceofBGŻBNPParibasemployee-volunteers.

In total, the competition has had six editions, during which 123 projects for local communities were implemented. Over

566volunteersjoined,over17,000peoplebenefitedfromthework.During6yearsofthecompetition,theBank’semployees

devoted5,912hourstohelpingothers

Learn more

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BAKCYL

BAKCYLisaneducationalprogramoftheWarsawBankingInstitutewhichprovidesyouthwithpracticalknowledgeandskills

forusingfinancialservices.Theprogramaimstofacilitateaconsciousandsuccessfulentryintoadultlifeinamodernsociety.

In2018,over60employeesjoinedBAKCYLonbehalfofBankBGŻBNPParibas.Theemployee-volunteersconductacycle

of three meetings at levels appropriate to primary, middle and high school students. The goal is to provide students with

knowledgeaboutthefinancesofayoungmanorwomanandtopreparestudentsforadultlifeandbecomingaconsciouscitizen.

Allvolunteersunderwent intensiveworkshoptrainingat theWarsawInstituteofBanking,preparing for theroleofeducators.

TheprogramiscoordinatedbytheBank’sFoundation.

TheBAKCYLprojectiscoordinatedbythePolishBankAssociation.Currently,90partnerbanks,including75cooperativeones,

participateinit.Ourorganizationhasbeeninvolvedintheinitiativesince2013.

Read more

Key  figures:

608lessonsconductedbyvolunteersfromBankBGŻBNPParibasfornearly9,000juniorhighschoolstudentssince 2013

over 60 employeesinvolvedintheprogramin2018

187lessonscarriedout

Nearly 4500students participating inlessonsin2018

“Załączmy Nasze Miasta” (“Let’s make meadows around us”)

InMay2018,Bankemployeessowedflowermeadows,plantedmellifluousplantsandrevitalizedurbanspaces–BłoniaMogliskie

inKrakówandJazdówEstateinWarsaw.160employeesandtheirrelativeswereinvolvedinthecampaign.“ZałączmyNasze

Miasta”(“Let’smakemeadowsaroundus”)isaresponsetonegativeclimatechanges,increasingairpollutionandlowpublic

awarenessofthesephenomena.TheprojectwasorganizedinpartnershipwiththeŁąkaFoundation.

Read more

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4.4 Helping is cool

[GRI 103], [GRI 203-1], [GRI 413-1]

AtBankBGŻBNPParibasweknowthat#helpingiscool(#pomaganiejestfajne).Formanyyearsouremployeeshavebeeninvolved

ininitiativesaimedathelpingothers,coordinatedbytheBank,theBGŻBNPParibasFoundationandotherorganizations.They

tookpartinthe“SzlachetnaPaczka”(“NobleGift”)campaignmanytimes.Establishingcooperationwith“SzlachetnaPaczka”was

anaturalstepforus.Wewanttosupportinitiativeswhichareimportanttoouremployeesandwhichpromotesmarthelp.Findout

howwedoit:https://www.pomaganiejestfajne.pl/

[GRI 102-12], [GRI 102-13]

Strategic partnership with “Szlachetna Paczka” (“Noble Gift”)

In2018,BankBGŻBNPParibasbecameastrategicpartnerof the “SzlachetnaPaczka” (“NobleGift”)project. “Szlachetna

Paczka”isanationwideaidcampaignorganizedbytheWIOSNAAssociation,whichhasbeenactivesince2001.Itisthelargest

systemof itskind intheworld inwhichaspecificpersonhelpsaspecificperson. It isalsooneof the largestsocialprojects

inPoland,ithasprovidedsupportforover150,000families.

– For many years our CSR strategy and plans have  taken  into account  the social and environmental impact related to our business operations. Social responsibility is more than one-off sponsorship actions. Our  initiatives  are  a  type  of  social  investments  and  allow  for  long-term  activities  that  provide  lasting results. The  idea of help provided by  “Szlachetna Paczka”  (“Noble Gift”)  is  consistent with our goals. We want to wisely support those who need it the most. Such help emphasizes the dignity of the recipients. In  addition  to material  things,  families  receive  a  signal  that  they  are  not  alone.  –  Przemek Gdański, President of the Management Board of Bank BGŻ BNP Paribas

Read more

Usageofcontactlesspaymentsandsupportfor“SzlachetnaPaczka”(“NobleGift”)

Our strategic partnershipwith “SzlachetnaPaczka” (“NobleGift”)means that theBankwill support the initiative throughout

theyear.Thiswill includefinancialsupport.During thepartnership, theBanktransfers itsownfundsto“SzlachetnaPaczka”

(“NobleGift”)foreachnon-cashpaymentmadebycustomers.Detailsaredescribedonthecampaignwebsite:Helpingiscool:

https://www.pomaganiejestfajne.pl/

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Records in helping

FormanyyearsouremployeeshavesupportedthoseinneedeachyearduringtheChristmasseasonaspartofthe“Szlachetna

Paczka”(“NobleGift”)campaign.In2018,inspiredbythem,wedecidedtojointhecampaignasanorganizationandtoincrease

the scale of commitment. 100 leaders – employees of our organization fromall overPoland – coordinated the preparation

ofpackages.TheyreceivedthesupportoftheBankandtheFoundationinvariousaspects,includingleadershipandcommunication

trainingand“StartPaczki”,aswellasfinancialsupportintheamountofPLN1,000whichcouldbeusedtofinancethepurchase

ofgiftsorlogisticalactivities.

Witness the motivation of Bank BGŻ BNP Paribas employees for helping others

NEARLY2,000EMPLOYEEVOLUNTEERSOFBANKBGŻBNPPARIBASFROMALLOVERPOLAND WEREINVOLVEDINTHECAMPAIGN.THISISTHELARGESTVOLUNTEERINGINITIATIVE INVOLVINGEMPLOYEESOFONECOMPANYINTHEHISTORYOF“SZLACHETNAPACZKA”(“NOBLEGIFT”).

OWINGTOTHEHUGECOMMITMENTOFOUREMPLOYEES,OVER100FAMILIESINNEED OFSUPPORTRECEIVEDHELP.

OthercompaniesoftheBNPParibasGroupalsojoinedthe“SzlachetnaPaczka”campaign,includingBP2S,CardifandArval.

See our volunteers at work:

Read more

Key  figures:

100leaders

over 100packages(someLeadershadsomuchenthusiasmthatthey prepared two packages!)

over 2000employeesinvolvedin the preparation ofpackages

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#pomaganiejestfajne (#helpingiscool) – social campaign

Did you know that…70% of Poles think that we need more empathy and willingness to help nowadays, 44% of Poles who volunteer think that helping others is every citizen’s duty, and about 28% Poles do not see the need to help.

Ourfinancialhelpforothers,istypicallylimitedtotransferring1%ofourtaxtoacharityorparticipatinginfundraisers.Overhalf

ofussupportothersatleastafewtimesamonth,16%ofthesehelpeachdayoralmosteveryday.Thesurveyindicatesthat

“Helpingiscool!”becauseitallowsyoutofeelneeded,givesyousatisfactionandjoy.

Read more

To promote the idea of helping wisely, we created the “Pomaganie jest fajne!” (”Helping is cool!”) campaign. Thanks

tothecommitmentandcooperationofvolunteersandbeneficiaries,wehavecreatedavideothatshowsthejoywhichcomes

fromhelpingothersineverydaylife.Thefilmfeaturedvolunteersfrom“SzlachetnaPaczka”(“NobleGift”)andBankBGŻBNP

Paribaswhotookpartinthecampaign.

Helping Consultant

Toprovideencouragementforhelpingothersandtodevelopgoodpractices,wehaveprepareda21-daychallengewiththehelp

ofaspecialchatbot–aHelpingConsultant–whichimitatestherecipientofhelpinaconversation.Thus,throughthebank’s

Facebook profile,we showed how to help others.New tasks awaited participants each day. Pointswere awarded for their

performanceandthemostdedicatedparticipantswererewarded.

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– Results of the “Helping is cool!” study confirm that Poles like to help others, as long as they know how to get involved. At the same time, there is also a need to promote the idea of helping others. We want to show, by example, that it is worth helping, because such initiatives can bring a lot of good – not only to the person who needs help, but also the one who provides it. – Magdalena Chojnowska, Marketing Research Expert at Bank BGŻ BNP Paribas 

Final Gala

TheBankwasalsothemainpartneroftheFinalGalaof“SzlachetnaPaczka”(“NobleGift”),whichtookplaceon16December

2018.Thebank’scampaignleaderstookpartintheevent.TheGalawasbroadcastliveonTVN.

4.5 Cyclical social campaigns

[GRI 103], [GRI 203-1], [GRI 413-1]

“Krwinka” (“Blood Donation Day”)

TheFoundationandBankBGŻBNPParibashavebeensupportingthecampaign“Twojakrew–mojeżycie”(“Yourblood–mylife”)

since2011byorganizing(incooperationwiththeRegionalCentersofBloodDonation)theannual“Krwinka”(“BloodDonation

Day”)campaign. In2018,employees fromthe threeHeadOffices(WarsawKasprzaka,WarsawSuwakandKrakówAvatar)

coulddonatebloodandregister inthemarrowdonordatabaseinspeciallyadaptedambulances.Intotal, fromthebeginning

oftheprogram,685employeestookpartin9editionsof“Krwinka”events,donatingatotalof250litresofblood.

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Key  figures:

125employeesinvolvedinthecampaignin2018

85peopledonatedblood

38litresofdonatedblood

“Dobre Kilometry” (“Good Kilometres”)

“DobreKilometry”(“GoodKilometres”)isaBankBGŻBNPParibasemployeeprojectorganizedannuallybytheBGŻBNPParibas

Foundation.Aspartofthecampaign,Bankemployeescountthekilometrestravelledduringvarioussportsactivities(running,

cyclingandothers).Thekilometresarethenconvertedintofinancialresourcesandtransferredtoasocialorganisationchosen

byemployees.Inthelast4editionsoftheproject,employeessupportedthe“OurChildren”Foundation(runbytheOncologyClinic

attheChildren’sMemorialHealthInstitute),EwaBłaszczyk’s“Akogo?”Foundation,“WeGiveChildrenStrength”Foundationand

theSOSChildren’sVillagesAssociation,donatingatotalofPLN40,000.

In2018, theBank’s internalsocial-gamificationplatformwasusedfor thecampaign.ThankstotheFitqbeapplication, itwas

possibletocountthekilometrescoveredbyemployees,trackthenumberofparticipantsandtheirinvolvement.Theemployees

managedtotravelnearly27,000kmandthuscollectPLN10,000.Employeespracticedsports,practicedandpromotedhealthy

andpro-ecologicalattitudes,andatthesametimetheycollectedmoneyforanoblepurpose.Thecollectedsumwasdonated

totheSOSChildren’sVillagesAssociationforthepurposeofprovidingmedicalandpsychologicalassistanceforchildrenintheir

care.

Key  figures:

359employeesparticipated in the campaignin2018

3255activitiesundertaken

27 643kilometrescovered

30daysofthecampaign

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4.6 Employee philanthropy

[GRI 103], [GRI 203-1], [GRI 413-1]

“Wspieram cały rok” (“I support all year-long”)

SinceSeptember2017,everyemployeecandeclareamonthlydeductionfromtheirsalaryinordertocontributetoachosen

objective:supportfortheOrganizationoftheYear(chosenbyemployeesinanannualvote)oradditionalsupportforscholarship

holdersof theBGŻBNPParibasFoundation’sscholarshipprogram“Klasa”(“Class”).Thedonorcan transfermoneytoboth

causesorindicateasingleone.ThefirstOrganizationoftheYearchosenbyemployeeswasthe“MalibraciaUbogich”(“Small

brothersofthepoor”)Association,whichcaresforelderlypeoplelivingalone.

The“Wspieramcałyrok”(“Isupportallyear-long”)programisavoluntary,simpleandconvenienttoolforindividualphilanthropy

andaresponsetotheprimaryneedofNGOs,whichissystematicfinancialsupport.Theemployeesofourorganizationwho

participateintheprogramarenotifiedaboutitseffectsinquarterlynewsletters.Everymonth,thenumberofprogramparticipants

increases,andsodoesthenumberoffundstransferredtosupportthoseinneed.For2019,thechosenbeneficiaryoftheprogram

is the ALIVIA Foundation.

The funds collected in 2018 provided scholarship holders of the “Klasa” (“Class”) projectwith the opportunity to participate

ina7-daysailing&languagescamp.Manyofthemwouldtypicallystayathomeduringtheholidayseasonandduetoneglect

atpreviousstagesofeducationhaveproblemswithEnglish.The“MalibraciaUbogich”(“Smallbrothersofthepoor”)Association

wasabletocontinuehelpingtheelderlyby,i.a.:companionshipvolunteering,thematicmeetingsandholidaytrips.

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Key  figures:

closeto 140donorsin2018

overPLN55 thousand transferredin2018

4.7 Strengthening the role of women

[GRI 103], [GRI 203-1], [GRI 413-1]

The “Dlaczego nie ma kobiet na banknotach?” (“Why are there no women on banknotes?”) campaign

InSeptember2018,BankBGŻBNPParibaslaunchedthecampaign“Nicsięniedziejebezkobiet…ibezpieniędzy”(“Nothing

happenswithoutwomen...andwithoutmoney”).Theaimofthecampaignwastotriggeradiscussionontheroleofwomenand

theirgrowingresponsibilityinsocialandprofessionallife,aswellastoinspirechangesineverydaylife.

Thekeyquestionofthecampaignwas:“Whyaretherenowomenonbanknotes?”.RecognizedPolishwomenarenotappreciated

inthiswayandtheirimagesdonotappearonPolishbanknotes.Thelastbanknotewiththeimageofawell-knownPolishwoman,

MariaSkłodowska-Curie,with the face valueofPLN20 thousand,waswithdrawn fromcirculation in 1995due to currency

denomination. In2011, theNationalBankofPoland introducedanew20zlotynote tocommemorate the100thanniversary

oftheNobelPrizeforMariaSkłodowska-Curie,butitisacollector’sbanknote.

The advertising campaign was accompanied by large-scale initiatives.A few days before the campaign’s launch, selected

journalistsreceivedT-shirtswiththeslogan“Girlssupportgirls”,whichwerereceivedwithmuchenthusiasm.

Weaskedover400peoplewhytherearenowomenonbanknotesandwhichwomenshouldappearonthem.Theresponses

inspiredustorecordtvcommercials.

Watch the videos

Theimagecampaignwasaccompaniedbythelaunchofanewproduct:acashloanwithanattractivefixedinterestrateof4.4%

perannum(APRC9.95%)combinedwiththe“Ostatnirokbezodsetek”(“Lastyearwithoutinterest”)promotion,whichbrings

the interestdown to0% for the last12monthsofa loan.Throughanadvertisingcampaign, theBankaimed to inspireand

encouragepeopletomakechangesandrealisetheirdreams.

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Payment cards with images of women

Did you know that…women appear on banknotes in just 30 countries. Queen Elizabeth II appears on 74 banknotes of dependent countries and territories as the head of the British Commonwealth of Nations.

TheBankhasnodirectimpactonchangingtheappearanceofPolishbanknotes,butwedecidedthatthepaymentcardsofBank

BGŻBNPParibaswilldepictafamousandinfluentialwomanorelementssymbolizingherroleinsociety.Tothisend,weprepared

fiveproposalsofpaymentcardgraphicswithimagesofwomen.Theauthorsoftheprojectswere:apainter,illustratorandcultural

animatorMartaFrej,adesigner–AgataNowicka–knownunder thepseudonymEndo,aswellas illustratorsOlgaKorban

andJanKallwejt.Allofthemprepareduniqueproposalsintheirstyleofart.Internetuserscouldvotefortheirfavouriteproject

on the www.nazmiany.plwebsite.VotinglasteduntilNovember22,2018.Thewinningconceptwillbeamongthepaymentcard

modelsavailableinourBank.

See

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“Kobiety na mury!” (“Women on walls!”)

BankBGŻBNPParibasbecameapartnerofthe“Kobietynamury!”(“Womenonwalls!”)campaignorganizedbythe“Wysokie

Obcasy”magazine.Theaimoftheprojectwastodrawattentiontotheroleofwomeninsocietybyplacingimagesofwomen-

activists,courageousandsteadfastwomenwhowerefaithfultotheiridealsaswellasimagesofwell-knownandsociallyinvolved

womenbycreatingmuralsinKatowice,WrocławandInWarsaw.Images of Jolanta Wadowska-Król, Wanda Rutkiewicz and 

Kora (Olga Jackowska) were painted on the walls of residential buildings.

Themuralwith the imageof JolantaWadowska-Królwasunveiledon28November2018 inKatowice. JolantaWadowska-

Królwasadoctorwhosavedchildrenwith leadpoisoningfromKatowice-Szopienice.She isanHonoraryCitizenof theCity

ofKatowice.Her image,designedbyAndrzejWieteszko (an illustratorandgraphic)decoratedabuildingatGliwickaStreet

inKatowice.

Shortlyafterthe40thanniversaryofthefirstsuccessfulexpeditiontothesummitofMountEverest,amuraldepictingWanda

Rutkiewicz–aworld-famousclimberandthefirstwomantoreachtheK2summit–wasunveiledinWrocław.Herimageadorns

thewallofabuildingatSądowaStreetandwasdesignedbypainter,illustratorandculturalanimatorMartaFrej.

From17January2019,theworkofBrunoAlthamer,depictingOlgaJackowska(Kora),canbeadmiredinWarsaw.Thesinger,

whodiedinJuly2018,wastheauthorofboldanduncompromisingsonglyrics.

Themottofortheentirecampaignappearedonallthemurals–“Womenknowwhattheyaredoing”.BankBGŻBNPParibas

was also involved in a plebiscite for PolishWoman of theCentury organised by “WysokieObcasy”magazine.Thewinner

oftheplebiscitewasMariaCurie-Skłodowska.

Read more

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Educational initiatives

Thecampaignwasaccompaniedbynumerousmeetingsandworkshops.DominikaNawrocka,authorof“KobietaiPieniądze.

7krokówedukacjifinansowejdlakobiet”(“WomanandMoney.7stepsoffinancialeducationforwomen”),explainedtowomen

howtorealizetheirdreamsthroughpassion,determination,courageandfinances.Participantsofmeetingsinthreeofthebank’s

branches–inToruń,BiałystokandKielce–couldlistentothelectureonfinancialeducation,aswellasparticipateinadiscussion

withtheauthor.Attheendofthemeeting,eachparticipantreceivedthebook“WomanandMoney”withtheauthor’sautograph.

FacebooklivestreamswithDominikaNawrockaandZuzannaZiomeckafrom“WysokieObcasy”tookplaceatanewbranch

ofourBanklocatedintheformer“Sezam”(“Sesame”)premises.

– Money is fuel for many initiatives, both small and large. Maria Skłodowska Curie would probably not have found radium and polonium so quickly, if she had no money that allowed her to conduct scientific research. However, financial resources are not everything. You also need to know what your goal is and be consistent in your actions. – Dominika Nawrocka, author of “Woman and Money. 7 steps of financial education for women” and founder of an organisation for the financial education of women www.kobietaipieniadze.pl

Thecampaignwasalsoaccompaniedbymeetingsandworkshopswithtrainersandambassadorsofthe“SukcesPisanySzminką”

(“SuccessWrittenwithLipstick”)Foundation.TheFoundationisthelargestcommunityofwomenentrepreneursinPoland.Its

missionistoprovidecomprehensivesupporttowomen,providethemwiththeprofessionalknowledgenecessaryforpersonal

andprofessionaldevelopmentandmotivatethemtotakeboldactions.Co-foundersofthefoundationare:OlgaKozierowska

andOlgaLegosz.TheFoundationfocusesonstrengtheningthepositionofwomenandincreasingtheirprofessionalactivity,

promotingdiversityandsupportingyoungpeopleinprofessionalandpersonaldevelopment.Formoreinformation,pleasevisit:

www.sukcespisanyszminka.pl and www.sukcestoja.pl.

Ouremployeeshadaccess to twovideoscreatedaspartof thecampaignon the topicofself-esteemandwaysofdealing

withstress.ThevideoswerepreparedbyOlgaKozierowska,theheadofthe“SukcesPisanySzminką”(“SuccessWrittenwith

Lipstick”)Foundation,andTatianaMindewicz-Puacz–theFoundation’sAmbassador.

Additionally,aspartofthecooperationwiththe“SukcesPisanySzminką”(“SuccessWrittenwithLipstick”)Foundation,employees

hadaccessto6onlinetrainingsonpersonaldevelopment,couldattendopenmeetingsorganizedbytheFoundation’sAmbassadors

inover30citiesthroughoutPolandandwereabletotakepartintwoclosedworkshopsforemployeesoftheWarsawandKrakow

HeadOffices.Duringtheworkshops,AnnaFlis,anambassadoroftheFoundation,spokeaboutmotivationandbuildingacareer

in the organization.

“Sukces TO JA” (“Success IS ME”)

IncooperationwiththeFoundation,theBankbecameapartnerofawomen’sprofessionalactivationprogram“SukcesTOJA”

(“SuccessISME”).Theinitiativeaimstohelpwomenreachfortheimpossible.InOctoberandNovember2018interestingand

inspiringmeetingswithambassadorsofthe“SukcesPisanySzminką”(“SuccessWrittenwithLipstick”)Foundationwereheld

inseveralPolishcities.Thetopicsincludedopennesstochange,usingtheopportunitieswhichappearinlife,aswellashow

tousetalentsandhowtohelpwomendeveloptheircareers.Aspartofcooperationwiththe“SukcesPisanySzminką”(“Success

WrittenwithLipstick”)Foundation,BankBGŻBNPParibasbecameapartneroftheBusinesswomanoftheYearcompetition

intheStart-upoftheYearcategory.

Watch the video

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Partnership in the 10th Businesswoman of the Year competition

BankBGŻBNPParibasbecameapartnerofthe10theditionoftheBusinesswomanoftheYearawardorganizedbythe“Sukces

Pisany Szminką” (“Success Written with Lipstick”) Foundation. The President of Bank BGŻ BNP Paribas was a member

ofthecompetition’smainjudgingpanel.

IntheStart-upcategory,youngcompanieswithrevenuesbelowPLN5millionperyearwereawarded.Duringtheassessment,

aspectssuchascompanyscalability,innovativeideas,effectiveuseoffinancingsources,competitiveadvantage,marketpotential

andteammembers’experienceweretakenintoaccount.

– BGŻ BNP Paribas promotes entrepreneurial women and is an advocate of increasing their role in business life. This is one of the aspects of our new campaign “Why are there no women on banknotes.” At the same time, we are open to start-ups, we cooperate with young innovative companies, we implement solutions developed  by  them  and  we  are  constantly  looking  for  new  ones.  The  Start-up  of  the Year  category in the “Success Written with Lipstick Businesswoman of the Year” competition combines both dimensions of our activity, which is why I am glad that we are a partner of this initiative. – Dariusz Maciołek, Managing Director of Communications Line at Bank BGŻ BNP Paribas 

Read more

Male Champions of Change Club

On 25 October 2018, six presidents of Polish organizations, including the president of Bank BGŻ BNP Paribas, signed

adeclarationestablishing theChampionsofChangeclub,apioneerorganizationassociating thepresidentsof largePolish

companies.The club’s goal is to educate, build awareness and share goodpractices, but primarily – to create toolswhich

bringmeasurableresultsandcanbeapplied incompanieswishingtouncover theiremployees’ fullpotentialandtopromote

diversity.TheideaofaclubwherebusinessleadersworktogetherforwomenanddiversitycomesfromAustralia,wheretheMale

ChampionsofChangeclubwascreatedin2008.ThepresidentsassociatedinthePolishclubemphasizethat,althoughit is

importantforthemtobeinspiredbyinternationalsolutions,theywillcooperatetodevelopsolutionstailoredtothePolishmarket

anditsproblems.Thiswilltranslateintobetteruseofwomen’sandmen’stalentsand,consequently,intogreatercompetitiveness

ofcompanies.Atthefirstmeetingoftheclub,thepresidentssetoutthreeissuesthatwillbetheirpriorityoverthenext12months.

Clubmembersdecidedthat:

• Theywillnotparticipateinpanelsanddiscussionswherenowomenarepresent,

• Theywillworkoninitiativesaimedatintroducingflexibleworkingtimeandbuildingacareerpathinthecompanyforthose

whowishtotakematernityorpaternityleave,

• Theywillintensifyeffortstoclosethewagegap.

Thenextstepwillbethecreationofworkingteamsmadeupofexpertsfromthefoundingcompanies.Theteamswillcollectand

developgoodpracticesandsolutions.Their initiativeswillbemonitoredandeffectsmeasured.Theresultswillbepresented

inOctober2019.

Read more

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European Women in VC Summit in Berlin

Our organizationwas a strategic sponsor of the EuropeanWomen’s Summit in the area of start-ups and VentureCapital.

ThemeetingbroughttogetherwomenandmenwhobelievethatthedeficitofwomeninVentureCapitalisamatterwhichshould

beaddressed.

Only5%ofthepartnersmanagingVentureCapitalfundsinEuropearewomen.IntheUS,womenoccupyabout9%ofsimilar

positions.ThesistersegmentofVC–privateequity– isdoingbetter in termsof thepercentageofwomen,also inPoland.

Thequestionariseswhetherinvestinginstart-upsrequiresspecialcompetencesdisplayedonlybymen…

Participants of the Berlin summit tried to answer the above questions and many more. They discussed ways to support

theprofessionalactivationofwomenwithinVentureCapital.Issuesrelatedtofinancingstart-upsfoundedbywomenandstart-

upswhichservewomenwerediscussed.Themeetingwasalsoanopportunitytoanalysemarkettrendsandsharewomen’s

experiencesandknowledge in thefieldofacquiring funds.EntrepreneurCindyGallop,anactivist for theequalityofwomen

in business, argued during the summit that slow changes happening overmany years will not bring the benefits that can

beobtainedbysettingnewrules,whichwouldgivewomenadecisivevoice.

Whatcanwomendotochangetheirstatus?Theycanstarttherevolutionbychangingthemselves:

• Theyshouldnotbeafraidofbecomingrole-models.Manywomen–whogetnominated inbusinesscompetitionsorare

invitedtopanelsandpresentationsatconferences–refusetoattend.Itiscertainlybettertofocusonyourbusinessthantobe

aregularguestatgalas,butgivenanexampletofollow,morewomenwillstartbelievingintheirstrength.

• TheyshouldtalkaboutexamplesofwomeninVCoutsideofPoland–e.g.MaryMeeker,oneofthemostinfluentialwomen

intheworldaccordingto“Forbes”,partnerintheVCfundKleinerPerkins,orEileenBurbidgefromPassionCapital.

• Theyshouldrecommendotherwomenforinfluentialpositions–itisagoodideatohelpwhensomeoneislookingforajob,

wouldliketotrysomethingnewortofinda“dreamjob”.

• Theyshouldnotbeafraidofbecomingmentors.MentoringisnotpopularinPoland.Manywomenthinkthattheyhavenot

achievedexperiencethatwouldbeenoughtoshare.Ontheotherhand,womenareoftenashamedtoadmitwhattheirgoals

areandtoaskfordirectionsonhowtoachievetheiraims.Itismucheasiertotalkaboutsuchissuesinasmallergroup.

Talkingisalwaysvaluable.

EuropeanWomeninVCisagroupofover350venturecapitalistsfromover20countries,whosetotalassetsundermanagement

amount toapprox.EUR15billion.The initiativewas launched lastyearbywomenfrom7ofCentralandEasternEuropean

countries.Today, it issupportedby19Europeanand Israeliambassadorswhohave joined forces tochange thestatusquo

ontheEuropeanandIsraeliVCmarket.

Read more

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“Agro na obcasach” (“Agro on heels”)

Theprogramisdedicatedtowomenlivingandworking in theagriculturalsector. “Agronaobcasach”(“Agroonheels”),was

createdforwomenlivingandworkinginruralareas,whoareincreasinglyinvolvedinmakingdecisionsonthedirectionofbusiness

development.Thefirsteditionoftheprojecttookplacein2016.Fromthenon,theprogramhasbeencarriedouteveryyear,with

increasing success.

The“Agroonheels”meetingstakeplaceincentresofartanddevelopment.Theseincludelocaltheatresandphilharmonics,

wherespeciallyorganizedperformancesandconcertsarepresented.Theprogramallowswomentobreakawayfromeveryday

lifeandtospendafewmomentsinapleasantatmosphere.Theycanalsomeetwomenwholeadasimilarlifestyle,exchange

experiences,provideadviceandsupportforoneanother.

Weorganizeeventsincooperationwithlocalmedia,withtheinvolvementoflocalinstitutionsrelatedtotheAgrosector–Agricultural

Chambersandlocalauthorities.

The3rdeditionofournationalproject,organisedin2018comprised8meetings,attendedbyover4,500women.Meetingswere

organizedin8locations.Theywere:

• Olsztyn–WarmiaandMazuryPhilharmonic

• Białystok–PodlasieOperaandPhilharmonic

• Bydgoszcz–HotelCity

• Lublin–LublinPhilharmonic

• Łódź–ŁódźPhilharmonic

• Szczecin–“Współczesny”Theatre

• Wrocław–“Komedia”Theatre

• Sosnowiec–“Zagłębie”Theatre.

Infourlocationswomenwereinvitedtoaconcertofthreetenors“TREvociwithlove”.Theotherlocationsinvitedthemtoplays,

including the situational comedies “Boeing, boeing” and “Domestic help”.Additionally, participants were invited to cosmetic

consultations.MaryKayhasbeenapartneroftheprogramfor2years.Thankstothepresenceofthecompany’srepresentatives,

participantscouldgetadviceonhowtodotheirmake-up,howtoapplyvariouscosmeticsandwerealsoacquaintedwithnew

products in thefieldof cosmetology.Themediapartnerof thecampaignwas– inaddition to localmedia– thegospodarz.

pl. portal. In Białystok and Bydgoszcz we organized a Farmer of the Year plebiscite in cooperation with local media and

AgriculturalChambers.TheprizeceremonieswereprecededbyanANOartisticprogram.Cityofficialswereeagertoparticipate

intheceremoniesandparticipatedinbothgalas.

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Weplan to continue thecampaign in the4thquarterof2019.We intend toenrich themeetings, introduce fresh ideasand

educationalelements.Wewantthecampaigntocontinueandtoevolvetogetherwiththeparticipants’needs.

Key  figures:

8.5 thousand participants and 19meetingssince2016

4.5 thousand participants and 8meetingsin2018

Read more

4.8 Counteracting social exclusion

[GRI 103], [GRI 203-1], [GRI 413-1]

“Agrotalenty” (“Agritalents”)

“Agrotalenty”(“Agritalents”)isacomprehensiveprogramforthedevelopmentofyoungtalents–asystemofscholarshipsfor

ambitiousyouthwhoseetheirfutureinagriculture.TheBGŻBNPParibasFoundationhassignedacooperationagreementfor

agriculturaleducationinPoland,togetherwitheducationalinstitutionsandwiththesupportofBankBGŻBNPParibasexperts

andclients.Itsaimistostrengthenlocalcommunities,toprovideaidtothoseinneed,toenrichtheofferofagriculturalschools

andtobroadenthescholarshipmarketinPoland.

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As part of the “Agrotalenty” (“Agritalents”) program, the Foundation offers scholarships to winners of “Olimpiada Wiedzy

iUmiejętnościRolniczych”(“AgriculturalKnowledgeandSkillsOlympiad”)organizedby8of thebestagriculturaluniversities

inPoland.Everyyearsince2012,about40scholarshipholdersreceivesupportwithintheprogram.InOctober2013,welaunched

thesecondmoduleoftheprogram.AspartoftheBridgeEducationalScholarshipsFoundationwesupportthemosttalented

agriculturalstudentsafter the3rdand4thyearofstudies–wefund10scholarshipsannually.Theprogramisacooperation

betweenourorganisationandtheWarsawUniversityofLifeSciences(SGGW).Aframeworkagreementwiththeuniversitylists

educationandtheexchangeofknowledgeandexperienceasprimarygoals.

Key  figures:

31scholarshipholdersin2018

overPLN140 thousand offinancialsupportin2018

over 300scholarshipholderssince 2013

“Wiedza do potęgi” (“Knowledge to the power”), cooperation with the Ocalenie Foundation

In 2018, in cooperationwith theOcalenie Foundation, theBGŻBNPParibas Foundation launched the “Wiedza do potęgi”

(“Knowledgetothepower”)program.Theprogramisaimedathelpingrefugeeyouthfrom,i.a.,theUkraine,Chechnya,Syriaand

IraqtocontinuetheireducationandfindtheirwaywithinthePolisheducationsystem.Programparticipants,aged13-18,receive

thesupportofvolunteertutors(trainedbythe“Ocalenie”Foundation).Theparticipantsareinvitedtoparticipateinworkshops,

educationaltrips,culturaleventsandholidaycamps.Thosewhoneeditthemostreceivefinancialscholarshipsaswell.Program

coordinatorsareinconstantcontactwiththechildren’steachers.Theaimistoenablerefugeeyouthtocompletetheircurrent

stageofeducationortocompleteitwithimprovedresults.

Read more: www.ocalenie.org.pl

Key  figures:

15programparticipantsin2018(aged13-18)

2828committedvolunteersin2018

PLN 50 thousand budgetfor2018

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Dream Up

DreamUp isaprogramcurrently runby theBNPParibasGroup in30countriesand initiatedby theBNPParibasFoundation

inParis.Localversionsoftheprogramareunitedbythecentralideaofeducationthroughart.Theprogramisaddressedprimarily

togroupsatriskofsocialexclusion.TheFoundationorganisesmusic lessonswithprofessionalsandsupportsthepersonaland

socialdevelopmentofchildrenandyouthfromtheWarsawPragadistrict.Theaimoftheprojectistocreatealong-termsocio-cultural

initiativeinthedistrict.InSeptember2018,the2ndeditionoftheprojectwaslaunchedincooperationwith“CentrumPromocjiKultury

PragaPołudnie”(“CentreforCulturalPromotion–SouthernPraga”).Nearly60childrencurrentlyattendDreamUpclasses.

Key  figures:over 2000hoursofmusicclassessince 2015

nearly 900hoursofmusicclassesandover110participants,including60participantsofthe2ndeditionin2018

EUR 20 thousand fromtheFondationBNPParibas(Paris)andoverPLN50thousandfromtheBGŻBNPParibasFoundationin2018

“Spotkania z Muzyką” (“Meetings with music”) program in cooperation with the Warsaw Philharmonic 

TheBankandtheBGŻBNPParibasFoundationhavebeencooperatingwiththeWarsawPhilharmonicsince2003inthefield

ofeducationandpromotingmusicasanimportantformofhighculture.Sincethe2011/2012season,theFoundationhasbeen

a partner of a concert series entitled “Spotkania zMuzyką” (“Meetings withmusic”). The program provides an opportunity

for theculturaldevelopmentofyoungpupilsby inviting themtoparticipate inconcertsconductedbyprofessionalmusicians.

Participantsincludechildrenfromover250educationalinstitutionsfromsmalltownsin7voivodeships.

Key  figures:over 2000smeetingsforover300,000participantsin2018

60seasonsofmeetings

10concertprogramspresentedinschoolsduring each season

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“Klasa” (“Class”)     

“Klasa”(“Class”) isanoriginalscholarshipprogramof theBGŻBNPParibasFoundationsupporting talentedteenagers from

smalltowns/villages,whosefamiliesareinfinancialdifficulties,byenablingthemtoattendprestigioushighschoolsinfivePolish

universitycities.

High Schools attended by project participants:

• Warsaw–JuliuszSłowacki7thHighSchool(studentsfromthemazowieckie,łódzkie,podlaskieandlubelskievoivodeships),

• Wrocław–PoloniaBelgijska15thHighSchool(studentsfromthedolnośląskie,opolskie,śląskie,wielkopolskieandlubuskie

voivodeships),

• Krakow – Bartłomiej Nowodworski 1st High School (students from the Małopolskie, Podkarpackie and Świętokrzyskie

voivodeships),

• Gdynia – Polish Navy 3rd High School (students from the pomorskie, warmińsko-mazurskie and kujawsko-pomorskie

voivodships),

• Szczecin–13thHighSchool(studentsfromzachodniopomorskieandwielkopolskievoivodships).

Programparticipantsreceivefullfinancialsupportduringtheirhighschoolyearsandascholarshipforthefirstyearatahigher

educationinstitution.Eachparticipantreceivesaccommodationandmeals.Scholarshipholdersalsoreceiveamonthlypocket

money.Theyparticipate inschool trips,culturalexcursionsandadditionalactivities.Participantsareunder theconstantcare

of educators and pedagogues.

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Participantsofthe“Klasa”(“Class”)scholarshipprogramarealsoencouragedtotakepartinvolunteeringinitiatives.Eachstudent

chooseswhattheyfeelpassionateaboutaspartofthe“Możesznamniepolegać”(“Youcancountonme”)program.Thelatter

alsoencouragesstudentstosharetheirknowledgeandskills.Furthermore,participantsof“Klasa”(“Class”)canparticipateinan

integrativelanguagecamp,mayreceivescholarshipprizes,areprovidedwiththelong-termsupportofBankBGŻBNPParibas,

andthepossibilityoffurtherdevelopmentaspartofthe“Class”AlumniAssociationinitiatives.

Criteria for participation in the “Klasa” (“Class”) program: 

• Gradeaverageofatleast4.5,

• provenancefromatownofupto100thousandresidents

• familyincomenotexceedingPLN1,200grossperperson,

• willingnesstohelpothers,

• writtenrecommendationoftheheadmasterofaprimaryschoolorjuniorhighschool.

Recruitment for the2019/2020editionof theprogram lastsuntil12April2019.50placesarewaiting for futureparticipants.

Theapplicationformisavailableat:www.bgzbnpparibas.pl/fundacja

“Klasa” (“Class”) is oneof the longest-running scholarship programs inPoland.During16 years, ourBankhashelped700

graduates from nearly 300 Polish towns. In 2018, 42 scholarship holders from all over Poland joined the program. 100%

ofscholarshipholdersattendtheirdreamcolleges.

Key  figures:

121scholarshipholdersin2018(including42newcomerstotheprogram)

nearlyPLN1.2 million in2018

700scholarshipholdersfromover300townsduringthe16yearsofprogramduration

overPLN21 million investedinyoutheducation

100% acceptance rate to higher education institutions

See what the scholarship holders say about the program

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4.9 BGŻ BNP Paribas Foundation     

[GRI 103], [GRI 203-1], [GRI 413-1]

Mission

The  Foundation’s  mission  is  to  responsibly  invest  in  people,  ideas  and  projects.  By  conducting  and  supporting  innovative 

initiatives in the fields of education, culture and social solidarity, we inspire and create a stimulating environment, thus contributing 

to the development of a civil society.

Role of the BGŻ BNP Paribas Foundation

TheBGŻBNPParibasfoundationexistssince2006andimplementstasksresultingfromthesocialresponsibilityofBankBGŻ

BNPParibas.Throughpioneerprogramsandcooperationwithexpertorganizations,itlevelseducationalopportunities,prevents

theexclusionofdisadvantagedandvulnerablegroups,supportstheconstructionofsocialcapitalandthedevelopmentofcivic

organizationsinlocalcommunities.TheFoundationalsosubstantivelyandfinanciallysupportsotherorganizations.

Areas of focus for the Foundation:

• initiativesintheareaofeducation,cultureandsocialsolidarity,

• initiativessupportingthedevelopmentofcivicactivityandattitudesaswellasthestrengtheningofthesocialorganizations

sector,

• supportandpromotionoftheideaofvolunteering,developmentofemployeevolunteeringattheBank.

Initiatives of the BGŻ BNP Paribas Foundation in 2018

In2018, theBGŻBNPParibasFoundation focusedparticularlyon initiatives in theareaofsocialsolidarity.TheFoundation

evaluateditscurrentactivitiesanddeterminedthedirectionsoffurtherdevelopment.Continuingourlong-termcooperationwith

theOcalenieFoundation, initiated in2015,wehavedevelopedand launchedthepiloteditionofa tutorscholarshipprogram

forrefugeeyouth“Wiedzadopotęgi” (“Knowledgeto thepower”). Incooperationwith thePraga-PołudnieCenter forCulture

Promotion,westartedthesecond3-yeareditionoftheDreamUpprogram,implementedaspartofaglobalinitiativeoftheBNP

ParibasGroup.Preparingforthecomingedition,weconsideredtheevaluationofthefirstone,launchedin2015-2018.

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Insupportoftheemployees’individualphilanthropy,wehavebeendevelopingthe“Wspieramcałyrok”(“Isupportallyear-long”)

programwhichisbasedonapayrollmechanismandwhichwaslaunchedattheendof2017.Wehaveintensifiedpromotional

activities which encourage employees to become systematic donors, and we have commenced cooperation with the first

OrganizationoftheYear–“MalibraciaUbogich”(“LittleBrothersofthePoor”)Association.Inaddition,in2018,theFoundation

involvedBankemployeesinbattlingthebiggestsocialproblems:climatechange(the“Let’smakemeadowsaroundus”campaign)

andpoverty(“SzlachetnaPaczka”–“NobleGift”).

Initiatives of the BGŻ BNP Paribas Foundation:

• “Klasa”(“Class”)scholarshipprogram

• “Agrotalenty”(“Agritalents”)scholarshipprogram

• DreamUpprograminpartnershipwiththePraga-PołudnieCenterforCulturePromotion

• ‘Wiedzadopotęgi”(‘Knowledgetothepower”)programinpartnershipwiththeOcalenieFoundation

• “SpotkaniazMuzyką”(“Meetingswithmusic”)programinpartnershipwiththeWarsawPhilharmonic

Joint initiatives of the Foundation and Bank BGŻ BNP Paribas:

• “Klasa”(“Class”)scholarshipprogram

• “Agrotalenty”(“Agritalents”)scholarshipprogram

• DreamUpprograminpartnershipwiththePraga-PołudnieCenterforCulturePromotion

• “Wiedzadopotęgi”(“Knowledgetothepower”)programinpartnershipwiththeOcalenieFoundation

• “SpotkaniazMuzyką”(“Meetingswithmusic”)programinpartnershipwiththeWarsawPhilharmonic

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Joint initiatives of the Foundation and Bank BGŻ BNP Paribas:

• “Możesznamniepolegać”(“Youcancountonme”)–employeevolunteeringprograminBankBGŻBNPParibas

• Competitionforvolunteerprojects

• Ecologicalvolunteercampaign“ZałączmyNaszeMiasta”(“Let’smakemeadowsaroundus”)

• TheBAKCYLprogram

• employeevolunteeringaspartofthe“SzlachetnaPaczka”(“NobleGift”)campaign

Cooperation with non-governmental organizations

Respondingtosocialchallenges, theFoundationcooperateswithexpertorganizations. Itstrivestostrengthenthe local third

sectorbyproviding long-termsupport for selectedsocial organizations (characterizedbyahighcompetence level) inareas

coveredbytheFoundation’sstatute.

Key  figures:

overPLN80 thousand for the support of non-governmentalorganizationsin2018

The Foundation’s plans for 2019

In2019,theFoundationwillmaintainitskeyprioritiesfrom2018.Itwillcontinueanddeveloplong-termscholarshipprograms:

“Klasa”(“Class”)and“Agrotalenty”(“Agrotalents”)aswellastheDreamUpsolidarityprogram.Thescholarshipprogram“Wiedza

dopotęgi”(“Knowledgetothepower”)implementedinpartnershipwiththeOcalenieFoundationaspartofaBNPParibasGroup

initiative tosupport the integrationof refugees inEuropewillalsobedeveloped. Inaddition, theFoundationplans to further

encouragethephilanthropyoftheBank’semployeesthroughthedevelopmentofthe“Wspieramcałyrok”(“Isupportallyear-long”)

program.Theprogramwillcontributetoincreasingtheemployees’socialcommitment,i.a.bycontinuingthestrategicpartnership

withthe“SzlachetnaPaczka”(“NobleGift”)campaign.In2019,theFoundationwillfocusoneducationaswellastheevaluation

anddevelopmentofitsinitiativesinthisarea.

Read more

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4.10 Sponsorship initiatives of Bank BGŻ BNP Paribas

[GRI 203-1], [GRI 413-1]

TheBank’ssponsorshipstrategyiscloselyconnectedtotheglobalsponsorshipstrategyoftheBNPParibasGroup.Itistherefore

basedontwopillars:tennisandculture.Ouradventurewithtennishasbeengoingonfornearly40years.Currently,examples

ofrelationshipsbetweenbrandsandsportdisciplineswhichwouldbeaslong-lastingastherelationshipbetweenBNPParibas

andtennisarefewandfarbetween.Thesameistrueforthesupportofculture.Ourorganizationhasbeencooperatingwith

theWarsawPhilharmonicformanyyears,supportingandsponsoringimportantmusicevents.Wesystematicallybringculture

closertochildrenandyouthfromsmalltownsandovercomeprejudicesagainstclassicalmusic.Sincethe2011/2012season,

ourFoundationhasbeenapartnerof theWarsawPhilharmonic’s“SpotkaniazMuzyką”(“Meetingswithmusic”)educational

program.Throughmusic,weleveleducationalopportunitiesandsupportthedevelopmentofsocialcapital.

We are tennis

TherelationshipbetweenBNPParibasandtennisismuchmorethansponsorship–itisapermanentelementofthebrand’simage

aroundtheworldandhasbecomepartoftheGroup’sbrandidentity.TheBNPParibasGroupisinvolvedinthedevelopment

oftennisasasportdisciplineatalllevels:professionalcompetitions,amateurandjuniorgames,anddisabledtennisplayers.

TheGroup’spromotionalactivityhasresultedinthecreationofasocialplatform:www.wearetennis.com.

InPoland,owingtotheBank’ssponsorshipinitiatives,tennisfanscanwatchthebestPolishrocketslive.ThisincludesAgnieszka

Radwańska,MichałPrzysiężnyandŁukaszKubot–thefirstPolishplayertohavecrossedthemagical50thpositionintheATP

rankingfollowingWojciechFibak.Wearealsotheorganizerandsponsorofmanytennisevents.Belowaresomeofthem:

• 3CityTennisCup–amateurtennistournamentforentrepreneursonthecourtsofArkaGdynia,

• TheTennisFestival–Poznań’surbanspace+SKKortowo

• The Tadeusz Sowiński Rotary Tennis Memorial organised by Rotary Club Olsztyn – a tournament for entrepreneurs,

membersofRC,

• BGŻBNPParibasZambrówOpen–TennisTournamentforlocalbusiness,

• TennisTournamentfortheBGŻBNPParibasCupinWągrowiec,

• 2ndSantaClausTennisTournamentforchildrenandyouthinStarogardGdanski,

• TennisDayinSolecKujawski,

• BGŻBNPPARIBASSecondOpenTennisChampionshipofBiałystokfortheCupofthePresidentoftheCity–tournament

forlocalbusiness,

• TennisTournamentinBiskupiecPomorski,

• Węgorzewo,Giżycko,Elbląg–localtennistournamentsforlocalbusiness(doctors,lawyers).

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FORSUPPORTINGPOLISHTENNIS,THEBANKWASAWARDEDTHETITLEOF“GOLDCHAMP”DURINGTHE1STEDITIONOFTHECHAMPAWARDS(ACOMPETITIONFORPOLISHSPORTCAMPAIGNS).

“Dzieciaki do rakiet” (“Kids to the Rackets”)

Accordingtothereport“PhysicalactivityofchildreninPoland”commissionedbyBankBGŻBNPParibas,onlyoneinfourPolish

childrenmeetsdailyrecommendationastophysicalactivity.Thisismainlyduetothelackofenergy,lackoffreetimeandlack

ofpositivestimuli.Ouranswertothisproblemisthe“Dzieciakidorakiet”(“KidstotheRackets”)program.

“Dzieciakidorakiet”(“KidstotheRackets”)isanationwidecampaignpromotingphysicalactivityamongchildren,theirparents

andteachers.Aspartofthisinitiative,primaryschoolsfromalloverPolandareinvitedtotakepartinacompetition.Theprize

isprofessionaltennisequipmentandprofessionaltrainingforteachers.

“DzieciakiDoRakiet”(“KidstotheRackets”)alsooffersfreetennisworkshops,whichhavebeenorganizedforthepast3years

invariousPolishcities.Thankstothese,morethan5,500childrenhavestartedtheirtennisadventure.Theholidayworkshopsare

runbyexperiencedtrainersandambassadorsofthecampaign–UrszulaRadwańskaandMariuszFyrstenberg.

Read more: www.dzieciakidorakiet.pl.

Key  figures:

3000childrenplayinginevents

610primaryschoolsparticipating in the project(grades1-4)

2000tennisrackets,4,000balls,200tennisnets–donatedtoschools

200trainedPEteachers

6 miastwhereeventswereheld:Świnoujście,Międzyzdroje,Władysławowo,Sopot,Karpacz,Zakopane

PLN1.825 million offinancialoutlays

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Theprojectresultedinanumberof immeasurablebenefits: itpromotedfairplay,thespiritofhealthycompetitionandthejoy

ofsport.Itwasawayforfamilies,neighboursandfriendstospendtimetogetherintheirlocalcommunities.

– I am very happy that I was able to play tennis with children and encourage them to practice this great discipline. It is very important to get kids hooked on physical activity. As adults, we have to set a good example. For me, tennis is the greatest adventure of life. I wish everyone could experience it. – Mariusz Fyrstenberg, “Dzieciaki do Rakiet” (“Kids to the Rackets”) ambassador. 

– When I started my adventure with tennis,  there were no such possibilities. Tennis  lessons at school or  free  training  under  the  supervision  of  professional  trainers  was  unattainable.  It’s  good  that  today children have so many opportunities to get to know this beautiful sport. I’m very happy when I see kids starting to play. Even if they do not become professionals in the future, playing tennis at such a young age will bring them many benefits. – Urszula Radwańska, top Polish tennis player, “Dzieciaki do Rakiet” (“Kids to the Rackets”) ambassador.

– The BNP Paribas Group has been associated with tennis for more than forty years, which is why we feel responsible for the promotion of this sport in Poland. We are glad that – thanks to the project – we were able to popularize the idea of fair play, donate the equipment necessary to learn tennis to 100 schools, and train teachers to conduct lessons in their schools. – Agnieszka Konarzewska, Director of the Marketing Communication Department at Bank BGŻ BNP Paribas

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Inaugural concert: 14th edition of the International Music Festival “Chopin and his Europe”

TheBank’sFoundationandBGŻBNPParibassponsoredtheinauguralconcertofthe14th“ChopinandHisEurope”International

MusicFestival.Thisisacontinuationofoureffortsaimedatmakinghighculturemoreaccessible.Wehavebeencooperatingwith

theWarsawPhilharmonicformanyyears,supportingandsponsoringimportantmusicevents.Webringcultureclosertochildren

andyouthfromsmalltownsandovercomeprejudicesagainstclassicalmusic.Sincethe2011/2012season,theFoundationhas

beenapartnerofWarsawPhilharmonic’seducationalprogram–aseriesofconcertsentitled“Spotkaniazmuzyką”(“Meetings

withmusic”).Supportforthe“ChopinandhisEurope”InternationalMusicFestivalfitsperfectlyintoourlong-termstrategyrelated

tothepromotionofculture.Thefestival,underthedirectionofStanisławLeszczyński,hasbeenorganizedsince2005inWarsaw

bytheFryderykChopinInstitute.ThefestivalpresentsEuropeanmusicfromclassicismtothepresenttimesinthecontextofits

relationshipwiththelifeandworkofFryderykChopin.Aspecialattractionofthefestivalareperformancesonantiquepianos:

Erardfrom1849,Pleyelfrom1848andacopyofGraffromaround1819.

The Wisława Szymborska Award

The Bank co-funded the Wisława Szymborska Award: a competition organized by the Wisława Szymborska Foundation.

TheAwardisinternational,everyyearapoetryvolumepublishedinthepreviousyearisawarded.Poetryvolumespublished

inPolishmaybesubmittedfortheAward,andcandidatesmaybesubmittedbypublishinghouses,culturalinstitutions,literary

media,chaptermembersandotherpersons.Thefirstprize,presentedInKrakowatagalaorganizedinJune,isastatuetteand

PLN100thousandfortheauthorofavolumewritteninPolish.Thesecondprize–intheamountofPLN100thousand–isshared

betweentheauthorofavolumewritteninaforeignlanguageandhistranslatorortranslators.

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5. Environmental responsibility in Bank BGŻ BNP Paribas – The Bank as a friend of nature

EnvironmentalresponsibilityisoneofthefourkeypillarsoftheCSRStrategyofBankBGŻBNPParibas.Ourorganizationcarries

responsibilitytowardstheenvironment,includingbyofferingproductsthatfinanceenvironmentalinitiatives.

Weareconstantlyworkingtoreducethenegativeimpactofouroperationsontheenvironment.Wepromoteecologicalattitudes

amongemployeesandweconstantly increase thenumberof undertaken initiatives for saving resources.An important part

ofenvironmentalresponsibilityarepartnershipsonclimatechange,inwhichtheBankisinvolved.

SincethemomentofacquisitionofthecorebusinessofRaiffeisenBankPolska,wesystematicallyharmonizetheprocedures

of both banks regarding environmental liability.We take solutions and best practices from both institutions, from the point

ofviewoftheorganizationandemployees.Ultimately,inalllocationsofourextendedorganization,thesolutionsthatwillwork

tothegreatestdegreewillbeimplemented.

2018 in numbers:

PLN 3.7 million thevalueoffinancingforhousingcommunitiesgrantedunderThermo-modernizationloansin2018

64hybridcarsintheBank’sfleetin2018

30kilometrestravelledtogether,thankstotheimplementationofcarsharing

180 trained users of companycarswithintheframeworkof22 trainings of the AcademyofSafeDrivingin2018

90 kg of honey produced inthe“Pasiekapodgwiazdami”(“Apiaryunderthestars”)

05.

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5.1 Financing of eco-investments

Financing of Renewable Energy Sources

[GRI 103]

TheBankconstantlydevelopstheofferofproductsandservicessupportingclientsinthetransitiontoalow-carboneconomy.

Wehavebeenfinancingsmallandmedium-sizedprojectsonrenewableenergysources(RES)since2008:windfarms,agricultural

biogasplants,smallhydroplantsandphotovoltaicinstallations.OurBankspecializedinfinancingprojectsimplementedbysmall

andmediumentities, including farmers.TheBankgrantedover 80 loans to finance100RESprojects (excludingprosumer

micro-installations).AspeciallyappointedbankingteamofRESandAGROexpertssupportsClientswhoplanpro-ecological

undertakings and favour sustainable economy and energy transformation of the Polish economy. We constantly monitor

thesituationofRESprojectsintheloanportfolioandinnecessarycases,incooperationwithclientsandinvestors,weimplement

appropriaterestructuringmeasures.

EntitiesrunningorundertakingactivitiesinthefieldofrenewableenergygenerationmayusethededicatedGreen Energy Loan,

andinthecaseofprojectsco-financedbyEuropeanUnion(andnational)subsidiesorsubsidisedloans(e.g.NFOSiGW)–also

fromUnion+ loan.Wehaveachievedasignificantpositiononthebiogasplantfinancingmarket.Fromamong95agricultural

biogasplantsregisteredinPolandbetween2008-2017asmanyas19werefinancedbyBGŻBNPParibas.

BankBGŻBNPParibasengagesinconsultationsandactivitiesaimedatincreasingenergyefficiencyandincreasingtheshare

of renewable energy sources (RES) in the energy balanceofPoland.Weare activelyworking on systemmodification and

implementationofsupport forprosumerrenewableenergy installationsandasystemofguaranteed tariffs forselectedsmall

installations(e.g.biogasplantsandsmallhydropowerplants).Wealsosupportthedevelopmentofsustainableagriculture.

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In2018,duetopositivechangesintheRenewableEnergySupportSysteminPoland,weareincreasingouractivityinfinancing

renewablesources.Oneoftheinitiativesimplementedin2018bytheAGRObusinesslineisacreditofferforindividualclients

andfarmersaimingtofinancephotovoltaic installationsandinvestmentsinsomeotherrenewableenergytechnologies,such

asheatpumps,biomassboilers.LoansaregrantedundertheOwn Energy Program.

In the caseofmediumand largeRESprojects, theBankpreparesanupdated versionof theoffer and intends to re-enter

themarketinthesegmentsofcorporateclients,smallandmedium-sizedenterprisesandmicroenterprises.In2018,thebusiness

lineoflargeandstrategiccorporateclients(CIB)alsostartedoperatingonthePolishrenewableenergymarket.Allthesemeasures

shouldresultinnewexposuresin2019.

BANKBGŻBNPPARIBASHASBEENACTIVELYSUPPORTINGECOLOGICALINVESTMENTS FORSEVERALYEARS.WELLPLANNEDANDIMPLEMENTEDACTIVITIESFORALOW-EMISSION ECONOMYBRINGNOTONLYTANGIBLEBUSINESSANDECOLOGICALEFFECTS,BUTALSOGIVE NEWIMPULSESTOECONOMICDEVELOPMENTANDAREANIMPORTANTELEMENTOFTHESOCIALMISSIONOFTHEBNPPARIBASGROUP.

THEBANK’SCOMMITMENTTORENEWABLEENERGYISPARTOFTHESTRATEGYOFTHEWHOLE BNPPARIBASGROUP,WHICHATTHECLIMATECONFERENCEINPARISIN2015DECLARED ADOUBLING(UPTOEUR15BILLION)OFITSCOMMITMENTTOFINANCINGRENEWABLEENERGY ANDENERGYTRANSITIONATTHEENDOF2020.

Green Energy Loan (Kredyt Zielona Energia)

TheGreenEnergyinvestmentloanwascreatedtosupportinvestmentsinrenewableenergysources.Itisintendedforfinancing

theconstructionofwindfarms,hydroandphotovoltaicpowerplantsaswellasinstallationsforgeneratingelectricityorthermal

energyfrombiomassorfrombiogas.

Theloanmaybeusedbyentitiesconductingorundertakingbusinessactivityinthefieldofgeneratingenergyfromrenewable

sources.Oneoftheconditionsfortheuseoftheloanistheclient’spromiseofaconcessionfortheproductionofenergyfrom

renewablesourcesissuedbythePresidentoftheEnergyRegulatoryOffice(ifitisrequiredbylaw).

GreenEnergyhasanattractive interest rateanda long loanperiod–up to15years.TheBankoffers individualsettlement

ofrepaymentterms(thepossibilityofagraceperiodforrepaymentofcapitalupto2years)andthepossibilityofrefinancing

earlierexpendituresorfinancing theacquisitionof renewableenergysources (RES).The loan isalsoaconvenientsecurity

companyandtheoptiontochoosethecurrency(PLN,injustifiedsituations,EURorUSD).

Read more

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Union+ Loan (Kredyt Unia+)

TheUnia+ loanwas created on the basis of the experience of ourBankacquired during the period of the activity of pre-

accessionfunds.Theproductisintendedfortheimplementationofprojectsco-financedfromtheEuropeanUnionfunds;because

EUsubsidiesaretransferredaftertheendoftheproject,inordertoperformtheinvestments,theclientmusthavefundsforearly

financingoftheproject.SuchfundscanbeobtainedfromtheUnia+loan.

The loan is intended for beneficiaries of EU funds, including entrepreneurs, conducting investments as part of operational

programsfor2014-2020,including:

• RuralDevelopmentProgram,

• FisheriesandSeaProgram,

• IntelligentDevelopmentProgram,

• InfrastructureandEnvironmentProgram,

• EasternPolandProgram,

• DigitalPolandProgram,

• regionaloperationalprograms.

Under theUnion+ loan, theBankoffers interest rates lower than in thestandardcommercial investment loan,an individual

approachtoeachbeneficiaryandtherequirementsoftheinstitutionsgrantingasubsidyspecifiedinthesubsidyagreement,and

inindividualcasesalsothefreedomtodecideonthepurposeofthesubsidy.TheUnia+loanenablesfinancingofinvestments

notonlyintheamountofeligiblecosts,butalsootherexpensesrelatedtotheimplementedproject.Theloanperiodmaybeup

to15years,andapossiblegraceperiodforloanrepayment–upto2years.Additionally,theBankoffersapromiseoftheloan

valid for9months,which increases thechancesofapositiveeconomicandfinancialevaluationof theprojectat thestage

oftheapplicationprocessanddeterminesitsimplementation,andasaresult–paymentofsubsidies.Unia+isnotonlyfinancing.

Bankadvisers,withthesupportofexpertsdealingwiththesubjectofEUfundsinourorganization,offercustomersupportwith

consultationsateverystageofapplicationandprojectimplementationwithsubsidies.

BGŻBNPParibasisaleaderinfinancingEUinvestmentsintheagribusinesssector,andadditionallyhasasignificantshare

infinancingprojectswithsubsidiesinthenon-agrosector.

Read more

EKO Leasing PolSEFF 

Eko Leasing PolSEFF is a product offered by our Bank in cooperation with the European Office for Reconstruction and

Development.Theproductgives thepossibilityof implementingmodern,energy-efficientsolutionsand technologies through

leasingandobtaininganecologicalbonusreducingthetotalcostoffinancing.Whenimplementingtheinvestment,customers

cancountonfreeengineeringsupportofPolSEFFexpertsandsimpleprocedures.

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Leasingwith theEcologicalPremiumenables thefinancingofenergy-saving technologies in theamountofup toEUR250

thousandforaperiodof3to7years.Fundingmaybecoveredbyinvestmentsinmachineryandequipmentallowingtoachieve

atleast20%improvementinenergyefficiency(includingpurchaseandreplacementofmachinesfortheneedsofenergy-saving,

basedonacceleratedanalysisofenergysavingsorafreeenergyaudit).Financingmayalsobeprovidedforinvestmentsinhigh

energyefficiencyequipmentselectedfromtheListofQualifiedMaterialsandEquipmentavailableatwww.polseff2-leasing.org.

AccordingtotherecommendationoftheEuropeanCommission,theproductisavailableforsmallandmediumenterprises.

Read more

Photovoltaic installation for prosumers

In2018,BankBGŻBNPParibasestablishedcooperationwithInnogyPolska,underwhichindividualcustomerscanpurchase

asolarinstallationintheinstalmentsystem.Byusingtheofferitispossibletofinanceupto100%ofthevalueofasolarinstallation

fromInnogyPolska.TheloanperiodallowsforrepaymentoftheloanuptoPLN60thousandfortheperiodofupto120months.

Aclientwhoappliesforaloantofinanceecologicalenergysourcesshouldattachtotheloanapplication:contract,costestimate

orinstallationprojectwiththementionedcostsasjustificationfortheloanamountrequested.

– Photovoltaic installations are becoming more and more popular in Poland. Only last year in Poland, over 12,500 new microinstallations were connected to the network. Despite the high interest of recipients of this type of solutions, their financing remains the biggest barrier. Therefore, from the point of view of Innogy Polska, the most important thing is to provide our customers with complementary products both in terms of  technology, but also having an attractive  form of financing.– Michał Skorupa, Head of Photovoltaic Projects at Innogy Polska

– The  instalment  loan offered  in  cooperation with  Innogy Polska constitutes a simple and convenient solution  for  individuals who already want  to use  the savings  that ecological  installations give.  In order to  finalize,  for  example,  photovoltaic  investments,  the  client  does  not  have  to  wait  for  the  collection of appropriate funds. Thanks to the attractive financing offer, he can take advantage of ecological solutions today, and thus – start saving. – Krzysztof Wojciechowski, Managing Director of Consumer Finance Sales Line at Bank BGŻ BNP Paribas

Read more

CooperationwithInnogyisanotherelementofthePhotovoltaicforprosumersprogramfunctioninginourorganizationfortwo

years.BankBGŻBNPParibasoffersaninstalmentloanforfinancingecologicalenergysourcesfrom2017.Theofferisaddressed

toretailclientsandenablesfinancingthepurchaseof:photovoltaicinstallations,waterheaters,heatpumps,recuperatorsand

homewindfarms.

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The range of products that can be credited:

• solarpanels,

• photovoltaicinstallations,

• solarwaterheaters,

• heatpumps,

• biomassboilers,

• heatrecoveryunits,

• homewindfarms,

• othergoodsusedtoobtainenergyfromrenewablesources.

TheofferisavailablefromseveralhundredBankpartners,includingtheleadingmarketplayersinvolvedinthesaleandinstallation

ofhighqualityphotovoltaicinstallations.

Read more

• tensofmillionsoflendingtofinancetheinstallationofrenewableenergyforindividualcustomers,

• severalthousandphotovoltaicinstallationsfinancedin2018,

• severalhundredbankpartnersintheprogram,

• 95months–averageloanperiod.

Thermo-modernization loans for housing communities

InJanuary2017,ourBankestablishedcooperationwithBankGospodarstwaKrajowegoregardingtheThermo-modernization

andRenovationFund regarding the thermo-modernization loanoffer forHousingCommunities.This ishow thePakietLider

Wspólnotwascreated–asetoftransactionalbankingproductsandservicestailoredtothespecificsofhousingcommunities,

withfreerunningcurrentaccount,auxiliaryaccountsandsavingsaccount,accesstoelectronicandtelephonebankingandonline

transfersinPLN,aswellastwoproductswithabonusfromBGK:thermo-modernizationloanorrenovationcredit.

Clients holding thePakiet LiderWspólnot can take advantage of the investment loan offer for renovation ormodernization

of the common property.The loan is granted on attractive terms, the housing communitywithout own contribution can get

financinguptoPLN500thousand.BankBGŻBNPParibasalsooffersaloanwithaBGKbonus,whichallowstogetarefund

oftheinvestmentcostsupto20%.CustomerschoosingthisoptioncanobtainfinancingintheamountofuptoPLN1million.

Inbothcases,theloantermisupto15years.

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In2018,thevalueoffinancingforhousingcommunitiesgrantedunderThermo-modernizationloanswasPLN3.7million.

– While creating the offer, we wanted to propose solutions that best meet the needs and expectations of housing communities and managers.  In addition  to basic banking services,  in cooperation with our partner Concordia Polska TUW, we also offer property insurance for the community, including buildings, playgrounds,  lighting,  benches  from  random  events  and  vandalism,  as  well  as  third  party  liability insurance.– Marcin Grabiszewski, Director of the Mortgage Banking Development Bureau at Bank BGŻ BNP Paribas.

Read more

Establishment of the Office for International Financial Institutions and Sustainable Development Programs

[GRI 103]

BankBGŻBNPParibasdevelopsafinancingandsupportprogramforenvironment-friendlyprojects.InJune2018,ourBank

establishedtheOfficeforInternationalFinancialInstitutionsandSustainableDevelopmentPrograms,whoseaimistoidentify

andimplementdevelopmentprogramsintheBankrelatedtoenergyefficiency,theuseofrenewableenergysources,electro

mobility and environmental protection. The Office cooperates with domestic and international financial institutions – such

astheEuropeanInvestmentBankandBankGospodarstwaKrajowego–aswellaswithothernationalandEuropeanpublic

institutions.TheprogramsimplementedbytheOfficearedirectedtoallmarketsegments,individualclients,individualfarmers,

housingcommunities,micro,smallandmediumandlargecompanies.TheOfficeconsolidatesalltheBank’sprojectsintheabove-

mentionedareas,anditsaimistoobtainfinancingofpro-ecologicalprojectsintheformofcreditlinesandguarantees,providing

clientswithtechnicalassistanceandpromotingpro-ecologicalbehaviour.

– Sustainable development and environmentally friendly projects are one of the elements of the Bank’s CSR strategy for 2018-2021. We create a Bank for a changing world in which issues related to ecology, including energy efficiency, play an important role. Due to the adopted strategy and the Bank’s experience, we intend to intensify and expand our activities related to the creation of new sustainable development programs. In connection with this, we have established an Office for International Financial Institutions and Sustainable Development Programs. – Adam Hirny, Director of the International Financial Institutions and Sustainable Growth Programmes Bureau at BGŻ BNP Paribas 

Learn more here.

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Inthepast,BankBGŻBNPParibaswasinvolvedininitiativesimplementedjointlywiththeEuropeanInvestmentBank(EIB)

andtheEuropeanBankforReconstructionandDevelopment(EBRD),whoseaimwastosupport investmentsamongSMEs

contributingtolowerenergyconsumptionandreductionofcarbondioxideemissionstotheatmosphere.Aspartofsuchprograms

asPolSEFFandGreenInitiative,enterprisescouldusepreferentialfinancingconditionsandtechnicalsupportforprojects.

5.2 Limiting the negative impact of operating activities

Carbon Reduction 2020

Since2017,whenBankBGŻBNPParibasjoinedtheglobalprogramoftheBNPParibasCarbonReductionGroup2020,weare

implementingtheprogram’sobjective–aplantoreduceCO2emissionsperemployeeby25%by2020,ascomparedto2012.

Toachievethisgoal,weconductanumberofactivities,includingapolicyofpromotingenergyefficiencyby:minimizingenergy

consumptionandthenumberofbusinesstrips,aswellasgraduallyintroducinghybridcarsintothefleet.Wealsoimplement

aprojectforenvironmentallyfriendlynewheadquartersbuildingandimplementeco-initiativesforemployees.

Raw materials consumption at BGŻ BNP Paribas

[GRI 302-1]

Inorder to reduceenergyconsumption inourorganization,weusehighlyenergy-savingdevicesandcomputerequipment.

ThesystematicreplacementofequipmentattheProcessCenterandtheapplicationofthevirtualizationtechnique,whichenables

moreefficientuseof ITresources,wealsocontribute to thereductionofenergyconsumption. Inaddition,wesystematically

educateouremployeesintheareaofenergy-savingbehaviourineverydaywork.

ThecompaniesbelongingtotheBankBGŻBNPParibasGrouptrytooperatewithrespectforthenaturalenvironment.TheCode

ofConductoftheBNPParibasGroupappliestoallcompanies, includinggeneral issuesrelatedtoenvironmentalprotection.

MonitoringofenvironmentalindicatorsisconductedattheleveloftheBNPParibasGroup,butsomeofthecompaniesadditionally

implementtheirownpoliciesandgoodpracticesintheminimizationofconsumptionofnaturalresources.SubsidiariesintheBank

Group,whicharesub-tenantsofspaceintheBank’sheadquarters,implementgoodpracticesintheareaofminimizingtheuse

of resources in forceat theBank.Thischapterpresentsdata for thecombinedBankand theCapitalGroupof theBank(in

accordancewiththeindicatedscope),takingintoaccounttheconsumptionofthemediaoftheacquiredbusinessofRaiffeisen

BankPolskafortheperiod1.11.2018-31.12.2018.

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BNPParibasLeasingServicesSp.zo.o.hasaprocedurefortheuseofcompanycarsoftheLeasingSolutionsGroup,setting

CO2 emission limits. It has implemented theEnergyConsumptionProcedure, theaimofwhich is to reducecarbondioxide

emissionsbycompanyequipmentandinstallations,aswellasthepolicyofreducingpaperconsumption,settingmeasurable

goalsandsettingspecificactions,includingusingonlyecologicalpaper(alsoforbusinesscardsandenvelopes)andmonitoring

thequantityoforderedpaperonaquarterlybasis.MonitoringofenvironmentalindicatorsatBNPParibasLeasingServicesand

suppliersofthecompanyisconductedbytheBNPParibasLeasingSolutionsGroup.Theimpactofthecompany’sactivities

onthenaturalenvironmentisminimizedinaccordancewiththeassumptionsofLeasingSolutionsGroupprocedures.

In2018,theBankGroupreduceditsenergyconsumptionby5,120MWhcomparedto2017.Atthesametime,weincreased

theuseofenergyfromrenewablesourcesby2,424MWh.

[GRI 302-4]

Energy consumption in 2018*:

• Bank:47,093MWh

• Group:47,583MWh

* Valuecalculatedastotalconsumptionofheatandelectricity.

Energy consumption from renewable raw material:

• 18,424MWhin2018

CO2 emission

Wetakecaretoreducetheemissivityofouractivities.From2012to2017,thetotalBNPParibasGroupcompaniesreduceddirect

CO2emissionsperemployeeby15%.In2018,theBank’sGroupreducedindirectgreenhousegasemissionsby3.5tonsofCO2.

Weowethereductionofemissionsprimarily to increasingpurchasesofenergyfromrenewablesourcesaswellasreducing

theenergyconsumptionwhichweobservedintheorganizationin2018.

[GRI 305-2]

INDIRECT EMISSIONS IN THE BANK GROUP GREENHOUSE GAS EMISSIONS [TCO2E]

Emission resulting from electricity purchased for the needs of the organization 6 221

Emission resulting from thermal energy purchased for the needs of the organization 4 774

Emission resulting from the energy for cooling or steam purchased for the organization’s needs 1 609

Total of indirect emissions 12 612

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[GRI 305-5]

Total of indirect emissions in 2018:

• Bank:11,362tons

• Group:12,612tons

[GRI 307-1]

In2018,nopenaltiesornon-monetarysanctionswereimposedonourorganizationfornon-compliancewithlawsandregulations

regardingenvironmentalprotection.

Initiatives for eco-mobility

Wesystematicallyrunandcontinuouslyexpandtherangeofinitiativesofourorganizationforsavingresources.Weencourage

our employees to usealternativemeansof transport,we teach safeandeconomical driving,we show that eachof us can

haveanimpactonthelevelofpaperandwaterconsumptionintheorganization.Ouractivitiesbringgoodresultsandarewell

perceivedamongemployees.

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Eco-Fleet

Forseveralyears,ourorganizationhasbeenintroducingahybridcartothebankingcarfleet,whichmakesitpossibletoreduce

harmfulemissionstotheenvironment.Carswithhybriddrivecombineboththecharacteristicsoftheelectricandpetrolengine.

Asaresult,itispossibletoreducetheemissionofharmfulsubstancestotheenvironment.Whenstationary,thehybridengine

doesnotburn fuel,andwhen itmoveswithoutsuddenaccelerations–uses thebattery’senergy todrive theelectricmotor.

Thehybriddrivegivesrealbenefitsprimarilyinthecity,wherecarsoftenstandintrafficjamsandmovemoreslowly.Hybridcars

weredeliveredbyArvalServiceLeasePolska(aBNPParibasGroupentity)underalong-termleaseagreement.Thecarshave

beendelegatedtocitieswherethesmogphenomenonismostcommon.

TheEco-fleetprogramisnotonlyaboutreplacingcarswithmoreecologicalones–itisawholerangeofactivitiessuchastrainings

conductedaspartoftheSafeDrivingAcademyproject,whichaimistoraiseawarenessaboutroadsafetyandimprovedriving

techniquessothateverydayreduce,amongothersfuelconsumption.

Eco-fleet isalsoan initiativerelatedtoreplacingtheuseofcompanycarsbyusingthecarsharingoptionavailable inmany

provincialcities.Aspartof theCSRDays,ourBankconductedaneducationalcampaignrelatedtohybridcarsandenabled

employeestotestcarsfortwomonths.

ATTHEENDOF2018,THEREWERE64HYBRIDCARSINTHEBANK’SFLEET.INSUBSEQUENT YEARS,THEBANKWILLDEVELOPTHESHAREOFHYBRIDCARSINTHEFLEET.

WEAREENCOURAGEDBYTHEPOSITIVERESULTSOFOURACTIONS–THANKSTOTHE IMPLEMENTATIONOFTHEHYBRIDPOLICYIN2018,WEMANAGEDTOREDUCETHECO2 EMISSIONSRESULTINGFROMTHEUSEOFTHECOMPANY’SFLEETBY31%.

Carpooling

Aspart of promoting ecological behaviour among the employees of ourBank, theFleetManagement and InsuranceTeam

preparedaSINGUCarpoolingapplicationforemployeesfromKrakow,allowingthemtousethesharedcommuteprogramafter

loggingin.Withthenewapplication,employeescancommutetoworktogether.Inthisway,theyactecologically;fouremployees

drivingonecarmeansthreecarslessontheroad.Employeesusingcarpoolingalsosavemoney,becausefuelcostsareshared

amongall,aswellastime–theyareentitledtoafreeparkingspace.Inaddition,travelingtogethercreatesopportunitiesfor

makingnewfriendsandgettingtoknowyourcolleaguesbetter.

Carsharing

In2018,ouremployeesbeganusingTraficar’scarsharingprogram–rentingcarsforhoursorevenminutes.Usingcarsharing

means cleaner air; allTraficar carsmeet theEuro6 standard,which reduces dust emissions bymore than 96% in relation

toEuro1,and85%fornitrogenoxidesandhydrocarbons.Carsharingalsoincludesfreesidewalksandparkingspacesinthecity

centre.

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Thankstothecarsharingeconomy,theBanknotonlycontributestoreducingthenumberofvehiclesmovingaroundthecity,but

alsoparticipatesinpromotingpro-socialandpro-ecologicalattitudes.

Key figures:

970reservationsin2018

30 thousand ofkilometrestravelled

Safe Driving Academy

TheSafeDrivingAcademy,implementedsince2017atourBank,isasafedrivingtrainingprogramforallusersofcompanycars

attheBank.Foremployeeswhodonotusecompanycars,monthlycompetitionsonsafedrivingandtrafficlawareheld,inwhich

themainprizeistheparticipationinafull-daytrainingoftheSafeDrivingAcademy.Thegoaloftheactionistoincreaseawareness

ofroadsafety,improvementofdrivingtechniques,reductionoffleetlossandreductionoffuelconsumption.Theprogrambrings

goodresults,and thereforeweplan toexpand it. In2019, theAcademy’sprogramwillbeexpanded to includeapreventive

campaignandaseriesofe-learningtrainingsfordrivers.

Key figures:

22trainingsoftheSafeDrivingAcademyin2018

180trained users of companycars

Preventive training

From2018,employeesofourorganizationreceivingcompanycarsparticipateintrainingsinthefieldofprocedures,car’slife

cycle,itsmechanics,preventionandpropernavigationonroads.Theintranetsitededicatedtousersofcompanycarshasbeen

updatedtothepreventivetrainingproject.

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– During each meeting with our employees who are users of company cars, we try to make them aware how often inconspicuous and everyday negatively habits that affect safety in the event of a road hazard. In  addition,  when  discussing  the  subject  of  internal  procedures  or mechanics  of  the  car,  we  provide a  substantive  charge  for  the  user,  thanks  to  which  he  will  not  only  improve  his  safety,  but  also  will be able to efficiently operate in an emergency situation on the road. – Adrian Chajec – Senior Specialist in Administration, Car Fleet Management and Insurance of Bank BGŻ BNP Paribas

Cycle to work

CyclingtoWorkisaninitiativethatworksdynamicallyattheKrakowheadquartersofourBank.OurBankjoinedtheCycletowork

projectoftheCityofKrakow.Theassumptionoftheactionwastocompletelyabandoncarsandreplacethismeansoftransport

bybicycle.Toimprovetheactionandencourageit,thebicycleroomwasrevitalized,aprofessionalrepairstationwasbuiltand

thenumberofparkingspacesforbicyclesincreased.

Bank BGŻ BNP Paribas regularly undertakes projects aimed at raising employees’ awareness of individual impact

ontheenvironment.WecelebrateCarFreeDay,whichisagreatopportunitytopromoteeco-transport.Thepromotionofbicycles

asanecologicalmeansof transport ineverydaycommuting towork isalreadyapermanentelementof thecorporatesocial

responsibility policy of the company.Employees have at their disposal a guarded bicycle parking and showers.Customers

andemployeesintheBank’sbrancheshaveaccesstobicycleracksinfrontofthemajorityofbranches.TheBankpromotes

responsiblebusinesstripplanning,theavailabilityoftele-andvideo-conferencingandlimitingtrainingtripsbyprovidinge-learning

training.

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– We try to restrict business travels by choosing collective transport, car sharing and car pooling, and – when possible – teleconferences and videoconferences. However, it is impossible to completely eliminate cars from our work. Turning cars with traditional drive for hybrid cars, we want to show our environmental awareness and give an example of how big companies can reduce environmental pollution. This activity is consistent with our concept including functioning of branches, where every day we try to show concern for  the  environment  and  promote  ecological  awareness.  – Marek Andruchów, Head  of  the Car  Fleet Management and Insurance of Bank BGŻ BNP Paribas

More here i here.

[GRI 301-1]

Consumption of gasoline and heating oil at the Bank:

• 596,454ofONlitresin2018

614,964ofONlitresin2017

• 1,076,029ofPBlitresin2018

933,589ofPBlitresin2017

Business travels at Bank BGŻ BNP Paribas:

By car:

• 23,391,258ofkilometresin2018

21,919,265ofkilometresin2017

By plane:

• 2,592,917.27ofkilometresin2018

2,653,306ofkilometresin2017

By train:

• 3,451,987ofkilometresin2018

3,610,988ofkilometresin2017

In2018,comparedtothepreviousyear,ourorganizationreducedthescaleofairtravelby60,389km.Wealsoreducedtravel

bytrains–by159,001km.Itincreased–by1,471,993km-thelengthofcartrips.TheincreasewascausedbytheBank’smerger

andtheintegrationprocessasaresultoftheacquisitionofRaiffeisenBankPolska’scorebusiness.Theuseofunleadedpetrol

hasalsoincreased–by142,440litres.Thankstothesystematicchangeofthefleet,wereducedtheconsumptionofdieseloil

by18,510litres.

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Promotion of eco-attitude

[GRI 303-1]

In theofficesofourBank,solutionsare implementedaimedat reductionof theuseofwater.Theappliedhydraulicdevices

havemechanismsthatreducewaterconsumptionseveraltimes.Whereverpossible,dishwashingindishwashersispromoted.

Theequipmentusedinthebankgivesthepossibilityofusingeco-friendlywashingprograms.In2018,theBankGroupreduced

waterconsumptionby6,076m3comparedto2017.

Water consumption in 2018:

• Bank:64,334m3

• Group:67,188m3

Weuseeco-friendlypaperwithreducedbasisweightintheBank’sheadquartersbuildings.Weencourageouremployeesand

clientstouseelectronicdocumentsandprintmaterialsonlywhenitisnecessary.Inordertoreducetheuseofpaper,weimplement

rulesregardingtheelectronicdistributionofcorrespondenceandworkonelectronicdocumentssavedonnetworkresources.

We also undertake various initiatives aimed at building ecological awareness among employees. In 2018, our organization

reducedpaperconsumptionby32tonscomparedto2017.

Printer paper consumption in the Bank:

• 239,83tonsin2018

272,03tonsin2017

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“Pasieka pod gwiazdami” (“Apiary under the stars”) on the roof of the Bank’s headquarters

FromJune2017on the roofof theBGŻBNPParibasHeadOfficebuildingatKasprzaka inWarsawWolahoneybees live

inthreebeehives.For“Pasiekapodgwiazdami”(“Apiaryunderthestars”)isthecontributionofourorganizationtoasustainable

urbanecosystem.Thankstotheapiary,wemanagedtotakecareofplantsonnearbyplots,inparksandgardens.Thecreation

ofinsect-friendlyconditionstranslatesintoanincreaseinthesurroundingcropsbyuptoseveraldozenpercent,affectsthequality

offruitandseedsofplants,andasaresult,increasesbiodiversityinourenvironment.BeeswholiveonKasprzakaaretakencare

ofbyPszczelariumcompanyandproperlytrainedemployeesoftheBank.In2018,wemanagedtocollectasmuchas90kgof

honeyin“Pasiekapodgwiazdami”(“Apiaryunderthestars”).

Key figures:

90 kg ofhoneycollectedin2018

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CSR days

CSRDaysisaninitiativeofBankBGŻBNPParibasorganizedfor4yearsandaimedatdisseminationandpromotionofknowledge

aboutsustainabledevelopmentamongemployeesofourorganization.Itistheactionbywhichweteachourselvesandothers

howsmallchangesineverydayhabitscanaffectnotonlytheconditionofthenaturalenvironment,butalsothebetterquality

oflifeforeachofus.VariouseventsrelatedtothecelebrationofCSRDaysencourageouremployeestotaketheirowninitiatives

relatedtosocialresponsibility.

In2018,duringthe4theditionofCSRDays,variousinitiativesrelatedtotheBank’sresponsibilitywerepresented.Employees

wereintroducedtothesubjectofthepositiveimpactofresponsiblefinancingandthedrivingforceofvolunteering,whichJurek

Owsiaktoldouremployeesabout.Wetalkedaboutwell-being,wecountedbicyclekilometresandwecollectedfundstosupport

childrenfromUkraine.

Onceagain,webroughtthesubjectofsocialresponsibilityclosertoourBank.Ourcolleaguesdonatedbloodtotheneedy,visited

beesontheroofoftheHeadquarters,encouragedtoeco-transportandleadahealthylifestyle.

Inaddition,duringtheCSR2018Days:

• incooperationwiththeRegionalCenterforBloodDonationandBloodTreatmentinWarsawandKrakow,wehaveorganized

the“Krwinka”(“BloodDonationDay”)campaignforthe9thtime.Intotal,85outof125employeesoftheBankwhovolunteered

fortheaction,gave38litresofblood

• wepromotedemployeevolunteering

• wecelebratedthe3rdbirthdayoftheDreamupprogram,inwhichnearly50childrenfromWarsawPragalearnmusicunder

theguidanceofthebestteachers

• wecheckedtheknowledgeoftheBank’semployeesontheresponsibleactivitiesofourorganizationandtheFoundation

throughaquiz.151employeesparticipatedintheeducationalgame.Thebestreceivedeco-gadgets

• wediscussedthesubjectoffinancingsocialorganizations

• wehavebroughtcloserthesubjectofclimateproblemsandwaystocombattheenvironmentaldegradationavailabletoeach

ofus.DuringCSRDays,wechangedcarsforbicyclesandtravelled536kilometres

• ontheoccasionoftheroundanniversaryofbeelifeontheroofofourheadquarters,weorganizedacontestforthename

ofhoney.Theauthorsofthe20mostinterestinganswersparticipatedinbeekeepingworkshopsandpersonallymetourbees

• wepromotedhealthyeatinghabits–atdietworkshopswecouldlistentothefactsandmythsofhealthynutritionandwhat

tofollowwhenchoosingproductsineverydayshopping

• weencouragedtocareforourphysicalcondition–weencouragedemployeestousethestairsinsteadoftheelevatorand

counting the steps

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5.3 Partnerships in initiatives around climate change

OneofmanyimportantobligationsdeterminedintheCSRStrategyofourorganizationfor2018-2021isfightagainsttheclimate

changeandsupportinglow-emissioneconomy.Tofulfilthiscommitment,weundertakemanydifferentactivities.

[GRI 102-12], [GRI 102-13]

Involvement of Bank’s experts

ExpertsfromourBanksystematicallyengageinconsultationsandactivitiesaimedatincreasingtheshareofrenewableenergy

sources (RES) in theenergybalanceofPoland.Theyparticipate in theworkofaspecialworkinggroupat thePolishBank

Associationdedicated tofinancing in thecontextof theActon renewableenergysources.Specialists fromourorganization

alsoparticipatedintheworkoftheRenewableEnergyCouncilattheConfederationofLewiatan,whichgivesopinionsonlegal

regulations and strategic documents regarding the development of renewable energy sources, energy and climate policy

ofPolandandtheEU.OurcommitmenttofinancingrenewableenergyispartofthestrategyoftheentireBNPParibasGroup,

whichdeclaredadoubling(uptoEUR15billion)ofitscommitmenttofinancingrenewableenergyandenergytransformation

attheendof2020attheClimateConferenceinParisin2015.

According to the guidelines of the International EnergyAgency, which aim to keep global warming below 2°C by the end

ofthepresentcentury, theuseof fossil fuelsshouldbelimited,startingwithoilandgasfromshaledepositsandoil fromtar

sands,whose extraction and production emit large greenhouse gases and adversely affect the environment. In connection

withtheseguidelines,theBNPParibasGrouphasdecidedtostopfundingclientswhodonotundertakeactivemeasuresfor

thetransformationtowardsalow-emissioneconomy.TheBankwillnotparticipateinfinancingprojectsofoilextractionfromshale

depositsandoilsands,italsoceasestofinanceprojectsforoilandgasextractionfromtheArcticfields.Inaddition,theGroup

alsowithdrawsfromfinancingcoalminesandcoal-firedpowerplants.Ontheotherhand,BNPParibaswillcontinuetosupport

energysectorpartnerswhoaretakingmajorstepstowardsenergytransformation.

Since July 2017,when our Bank became a supportingmember of thePolishAssociation of SustainableAgricultureASAP,

asanorganization,wepropagateamongourcustomersthe ideaof sustainableagriculture, thusbringingenvironmentaland

socialbenefits.Ourexpertsparticipatedsubstantivelyincreatingtrainingmaterialsinthefieldoffinancinginsustainablefarms.

In addition, a specially appointed banking team of RES andAGRO experts supported clients who planned pro-ecological

undertakingsandfosteredasustainableeconomyandenergytransformationofthePolisheconomy.

United Nations Global Compact Partnership

BankBGŻBNPParibasbecameapartneroftheGlobalCompactNetworkPolandanti-smogcampaignnamed“Thefirstday

withoutsmog”(“Pierwszadobabezsmogu”).Thecampaignisaimedatgatheringthewidestpossiblecoalitionofpeoplewho

areinvolvedinspreadingawarenessconcerningtheproblemofsmogandpossibleremedialactions.Itwascreatedonthebasis

of theGCNP“SDG11–SustainableCities”program.Aspartof thepartnership,ourBanksupports thecampaignandother

activitiesofGlobalCompactNetworkPolandaimedatpromotingecologicalattitudes.

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Smog isan invisiblekiller.Accordingtodata fromtheWorldHealthOrganizationasofMay2018, itcauses7milliondeaths

annually.AccordingtodatafromtheEuropeanEnvironmentAgency,over46thousandpeopleayeardieofcontaminatedair

inPoland.

Thereasonsoftheoccurrenceofsmogarenumerous,butallofthemlieinhumanactivity.Theproblemiscausedby:ineffective

and low-qualityheatingsystems, rubbishburning,useof low-quality coal forheatinghouses,non-insulatedhouses,a large

numberofcars(includingthoseolderthan5years)andindustry.

What isnecessary tochange is,primarily, the increase in theawarenessof thesociety, inparticular the inhabitantsofcities

andtowns,andtheinclusionoflocalself-governmentauthoritiesintheactivities.Thenextstepistodevelopnewhabitsand

implementconcretechangestolifebypolicymakersatthenational,regionalandlocallevels.

Read what you can do to make the smog less: www.pierwszadobabezsmogu.pl

Bank in COP24

Representativesofover20companies–Polishbranchesofinternationalcorporations,butalsosmallandmediumenterprises

andorganizations–receivedawardsforthecontributiontosustainabledevelopmentgrantedbyUnitedNationsGlobalCompact

Poland.

OurBankreceivedtheBusinessAwardforArchitectsofDevelopmentforitscommitmenttotheSDG11SustainableCitiesProgram

throughfinancingenergyefficiencyandpro-ecologicalprojects,whichsupportthefightagainstclimatechange.Theawardwas

receivedbyJarosławRot,themanagingdirectorofALMTreasuryonbehalfoftheBank.

TheawardingceremonywasanelementoftheCityforClimateSummit.Duringtheevent,thenewUNGCNPreport“Sustainable

cities.ImprovementofairqualityinPoland”waspresented.TheBankisapartnerofthementionedreport.Therereportincludes

anarticleconcerningTheconceptof commercialbankparticipation in the “CleanAir”programbyAdamHirny,AdamHirny,

DirectoroftheInternationalFinancialInstitutionsandSustainableGrowthProgrammesBureauatBGŻBNPParibas.

See also

2018

The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

163

Climate commitment of 5 banks at COP24

DuringCOP24– theUnitedNationsClimateSummitorganized inDecember2018 inKatowice–fivebanks, includingBNP

Paribas,undertookajointcommitmenttominimizeglobalwarmingbysupportingtheobjectivedescribedinarticle21coftheParis

Agreement:“Reconciliationoffinancialflowswithapathleadingtolowgreenhousegasemissionsanddevelopmentresistant

toclimatechange”.

TheglobalUNclimateconferenceinKatowiceendedon15December2018bysigningofa“roadmap”oftheimplementation

oftheParisAgreementof2015,the“KatowicePackage”.Thedocumentemphasizestheurgentneedforallcountriestoincrease

ambitioninclimatepolicyinordertominimizetheimpactofclimatechange.AccordingtotheIntergovernmentalPanelonClimate

Changereport,theworldisonthewaytotheincreaseofglobaltemperatureofupto3.1–3.7Celsiusdegrees.Thismeansthat

theeffortsmadetolimittheaveragetemperatureincreaseareinsufficient,andthemaintaskofindividualcountriesparticipating

inCOP24shouldbetostopglobalwarmingatthelevelof2or1.5Celsiusdegrees,whichisabovetheaveragetemperaturefrom

theperiodbeforetheindustrialrevolution.

Thementionedcommitmentwassignedbyfive internationalbanks: ING,BBVA,SociétéGénérale,StandardCharteredand

BNPParibas.Allofthemmadeacommitmenttomeasuretheirloanportfolioadjustmentintermsofglobalclimategoalsand

analysemethodsofgradualmanagementofcashflows tobedirected through thekey lendingactivities inorder toachieve

the objectives of the ParisAgreement. TheCoalition also committed to developmethods and tools for open programming

tomeasurethecomplianceofloanportfolioswiththeobjectivesoftheParisAgreement.Generally,thegoalistodesignsuch

financialservicesthatareneededtosupportcustomersinthetransitiontoalow-carboneconomy.

2018

The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

164

Keyfeaturesofthesignedcommitment:

• Co-creation. Working together to create tools and indicators needed to support the contribution, in cooperation with

organizationssuchas2InvestingInitiative.

• Effective targeting. Focusing on those sectors of the economy that are responsible for the highestCO2 emissions into

theatmosphere–sectorscrucialforthetransitionofindustrytoalow-carboneconomy.

• Focusonengagement.Thecommitmentisaboutworkingwithclientsintheprocessoftheirtransformation.

• Adaptationtoagivensector.Eachsectorhasitsownpathoftransitiontoalow-carboneconomy,whichiswhyasectoral

approachandkeystrategiesareneededforthesectorsconcerned.

• Foresight.Usingperspectivedataforplanninginvestmentsupport.

• Relianceonscientificachievements.EnsuringthattheBankanditsclientswillsupportthetransitionfromassetswithhigh

CO2emissionstolow-carbonassets,inlinewiththescenariosbasedonscientificresearch.

– In order to be able to finance energy transformation, we have to measure and monitor the impact of our loan portfolio on achieving climate objectives, in line with the Paris Agreement. We actively engage in and work on this topic, and we support the initiative, which aims to create common tools and indicators for the financial sector. – Jean-Laurent Bonnafé, CEO at BNP Paribas

2018

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165

6. About the Report

[GRI 102-45], [GRI 102-49], [GRI 102-50], [GRI 102-51], [GRI 102-52]

BankBGŻBNPParibashasbeencollectingnon-financial data since2010,andsince2011publishesannual social reports

containingnon-financialdataaccordingtoGRI(GlobalReportingInitiative)guidelines.PublicationsareavailableontheBank’s

website, at:https://www.bgzbnpparibas.pl/csr/raporty-csrAs regards the previous publication: The CSR report for 2017

waspublishedinJuly2018,whileinMarch2018,togetherwiththeManagementBoardreport,aReportonthenon-financial

informationofBankBGŻBNPParibasS.A.andtheCapitalGroupofBGŻBNPParibasS.A.in2017waspublished.

TheBGŻBNPParibasCSRreport for2018 includesdata from1January to31December2018 (includingdatapresenting

the organization’s operation after acquisition of Raiffeisen Bank Polska S.A.’s core business, i.e. for the period between

1Novemberand31December2018),excludingthosefragmentswherethecontentindicatesotherwise.Thescopeofreported

dataconcernsBankBGŻBNPParibasS.A.and includes informationontheBankBGŻBNPParibasS.A.CapitalGroup(in

thematerialreferredtoas:BankGroup,BankCapitalGroup,BGŻBNPPGroup).

InconnectionwiththefulfilmentoftherequirementsoftheamendedPolishAccountingAct,whichimplementstheguidelines

of the EUDirective 2014/95 regarding the disclosure of non-financial data, the present CSRReport of BGŻ BNP Paribas

coversnon-financialinformationregardingtheBankBGŻBNPParibasS.A.CapitalGroupin2018.Thedocument(CSRReport

oftheBank)constitutesanattachmenttotheManagementBoardreportontheactivitiesofBankBGŻBNPParibasS.A.in2018

andisavailableontheBank’swebsiteintheperiodicreportsofBankBGŻBNPParibasS.A.tab.

As regardsnon-financial data related to theCapitalGroup,CSRReport ofBankBGŻBNPParibasS.A. for 2018 includes

theinformationonthefollowingentities:

• BankBGŻBNPParibasS.A.–astheparentcompany,

• TowarzystwoFunduszyInwestycyjnychBGŻBNPParibasS.A.,

• RaiffeisenTowarzystwoFunduszyInwestycyjnychS.A.(currentlyRivieraTowarzystwoFunduszyInwestycyjnychS.A.),

• BNPParibasLeasingServicesSp.zo.o.,

• BNPParibasGroupServiceCenterS.A.,

• BNPParibasFinancialServicesSpółkazo.o.(formerRaiffeisenFinancialServicesPolskaSp.zo.o.),

• BNPParibasSolutionsSpółkazo.o.(formerRaiffeisenSolutionsSp.zo.o.),

• CampusLesznoSp.zo.o.,

Due to the lackofoperationalactivityand,consequently, the lackof relevantnon-financial information, theReportdoesnot

includedataontheBankowyFunduszNieruchomościowyActusSpółkazo.o.andBGZPolandABS1DAC.

06.

2018

The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

166

BankBGŻBNPParibasS.A.istheparententityoftheBankBGŻBNPParibasS.A.CapitalGroup.Forthisreason,thekey

documentsandguidelinesadoptedbytheBankareimplementedbyentitiesoftheCapitalGroup.

[GRI 102-48], [GRI 102-54], [GRI 102-56]

TheReportwasprepared inaccordancewith theGlobalReportingInitiativeStandards(GRIStandards) in theCoreversion.

Bothprofileandspecificindicatorswerereportedwithintheissuesidentifiedassignificant,aswellassectorindicatorsspecific

forthefinancialsector.Noadjustmentsweremadetotheinformationcontainedinpreviousreports.TheReporthasnotbeen

subjecttoexternalverification.

[GRI 101]

TheReportwaspreparedinaccordancewith10GRIprinciplesregarding:

• definingthecontent(Materiality,Sustainabilitycontext,Stakeholdersinclusiveness,Completeness)

• qualityofthepresenteddata(Balance,Reliability,Comparability,Accuracy,Timeliness,Transparency).

[GRI 102-43], [GRI 102-44], [GRI 102-46] [GRI 102-47]

Significant issues

Theprocessofdefiningcontentconsistedof threestages:analysisand identificationofaspectsofsustainabledevelopment

andresponsiblebusinessthatareimportantfortheBank;prioritization–assessingtherelevanceoftopicsfromtheperspective

of internalandexternalstakeholders.Aquestionnairesurveywasconductedaspartof thisstage.Thesurvey involved:240

internalstakeholdersand29externalstakeholders.Aspartofthevalidationstage,thekeytopicsincludedintheReportwere

discussedbythemanagementteam.

2018

The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

167

KeytopicsidentifiedassignificantfromtheperspectiveoftheBank’sresponsibility:

Topic CSR Strategy Pillar Page

Responsiblesaleofproductsandservices Economicresponsibility 65

Ethicsininternalandexternalrelations

Economicresponsibility,Responsibilityintheworkplace 36,50

Responsiblecommunication Economicresponsibility 65

Offeringproductsandservicesrespondingtosocialandenvironmentalchallenges

Economicresponsibility,environmentalresponsibility 53,146

Increasingtheavailabilityofproductsandservices

Socialresponsibility,economicresponsibility 108

Respectforhumanrightsinbusiness

Economicresponsibility,socialresponsibilty 125

Afriendlyworkplaceandresponsibleemploymentmanagement

Responsibilityintheworkplace 80,84

Employeeeducationanddevelopment Responsibilityintheworkplace 100

Employeevolunteering Socialresponsibility,Responsibilityintheworkplace 116,119,122

Philanthropicactivities(includingprojectsoftheBGŻBNPParibasFoundation)

Socialresponsibility 124,132,140

[GRI 103-1], [GRI 103-2], [GRI 103-3]

TheReportdiscussestheapproachtothemanagementofthetopicsidentifiedassignificantalongwiththeevaluationofundertaken

activitiesandgoodpracticessupportingindividualdimensionsoftheBank’sresponsibility.

[GRI 102-53]

ThankyouforreadingthecontentsoftheCSRReportofBGŻBNPParibasfor2018.

WeinviteyoutofollowtheCSR–CorporateSocialResponsibilitytabontheBank’swebsite:

https://www.bgzbnpparibas.pl/csr

andtocontacttheCSRBureau–CorporateSocialResponsibilityBureau:csr@bgzbnpparibas.pl

The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

168

WE WOULD LIKE TO EXPRESS OUR GRATITUDE TO THE EMPLOYEES OF BANK BGŻ BNP 

PARIBAS AND THE GROUP FOR THEIR ACTIVE INVOLVEMENT IN THE IMPLEMENTATION OF CSR ACTIVITIES AND CONTRIBUTION TO THE 

PREPARATION OF THE PRESENT PUBLICATION!

I would like to thank all the readers of CSR Report!

Best regards,

Maria Krawczyńska  CSR Manager CSR Bureau

maria.krawczynska@bgzbnpparibas.pl

The CSR Report of Bank BGŻ BNP Paribas S.A. for the year 2018. In a changing world, responsibility matters.

169

7. GRI table

[GRI 102-55]

Number of indicator

Name of indicator Level Reported for 2018

Section Subsection Page

Universal Standards

GRI 101 Assumptionsandlegalofreporting CORE X AbouttheReport AbouttheReport 165

Wskaźniki profilowe

Profil organizacji X

GRI 102-1 Nameoforganization CORE X AbouttheBankBGŻBNPParibas

AbouttheBankBGŻBNPParibas 7

GRI 102-2 Activities,brands,productsandservices CORE X AbouttheBankBGŻBNP

ParibasAbouttheBankBGŻBNPParibas 7

GRI 102-3 Location of headquarters CORE X AbouttheBankBGŻBNPParibas

AbouttheBankBGŻBNPParibas 7

GRI 102-4 Location of operations CORE X AbouttheBankBGŻBNPParibas

AbouttheBankBGŻBNPParibas 7

GRI 102-5 Ownershipandlegalform CORE X AbouttheBankBGŻBNPParibas

AbouttheBankBGŻBNPParibas 7

GRI 102-6 Marketsserved CORE X AbouttheBankBGŻBNPParibas

AbouttheBankBGŻBNPParibas 7

GRI 102-7 Scaleoftheorganization CORE X AbouttheBankBGŻBNPParibas

AbouttheBankBGŻBNPParibas 7

GRI 102-8 Informationonemployeeandotherworkers CORE X

Responsibilityintheworkplace:TheBankasagoodemployer

HRManagement 84

GRI 102-9 Supplychain CORE XEconomicresponsibilityofBankBGŻBNPParibas–TheBankasaninnovator

Responsiblefinancing 51

GRI 102-10 Significantchangestotheorganizationanditssupplychain CORE X AbouttheBankBGŻBNP

Paribas

AbouttheBankBGŻBNPParibas;

Acquisition of the Core BusinessofRaiffeisenBankPolskaS.A.;

BankBGŻBNPParibashistory

7

25

28

GRI 102-11 PrecautionaryPrincipleorapproach CORE X AbouttheBankBGŻBNP

Paribas Organizationalgovernance 33

GRI 102-12 Externalinitiatives CORE X

AbouttheBankBGŻBNPParibas;

SocialresponsibilityofBankBGŻBNPParibas–TtheBankasagoodneighbor

EnvironmentalresponsibilityinBankBGŻBNPParibas-TheBankasa friend of nature

PartnershipsofBankBGŻBNPParibas;

Availabilityofproductsandservices;

Helpingiscool;

Partnershipsininitiativesaroundclimatechange

44

108

119

161

GRI 102-13 Membershipofassociations CORE X

AbouttheBankBGŻBNPParibas;

SocialresponsibilityofBankBGŻBNPParibas–TtheBankasagoodneighbour

EnvironmentalresponsibilityinBankBGŻBNPParibas-TheBankasa friend of nature

PartnershipsofBankBGŻBNPParibas;

Availabilityofproductsandservices;

Helpingiscool;

Partnershipsininitiativesaroundclimatechange

44

108

119

161

07.

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170

Number of indicator

Name of indicator Level Reported for 2018

Section Subsection Page

Strategy X

GRI 102-14 Statementfromseniordecision-maker CORE X

LetterofthePresidentoftheManagementBoard;

AbouttheBankBGŻBNPParibas

Fast Forward – new strategyofBankBGŻBNPParibas

26

GRI 102-15 Keyimpacts,risk,andopportunities X

LetterofthePresidentoftheManagementBoard;

AbouttheBankBGŻBNPParibas

Acquisition of the Core BusinessofRaiffeisenBankPolskaS.A;

Fast Forward – new strategyofBankBGŻBNPParibas

25

26

Ethics and Integrity X

GRI 102-16 Values,principles,standars,andnormsofbehavior CORE X AbouttheBankBGŻBNP

Paribas Organizationalgovernance 33

GRI 102-17 Mechanismsforadviceandconcernsaboutethics X AbouttheBankBGŻBNP

Paribas Organizationalgovernance 33

Organizational governance X

GRI 102-18 Governancestructure CORE X AbouttheBankBGŻBNPParibas

AbouttheBankBGŻBNPParibas

7

Stakeholder Engagement X

GRI 102-40 Listofstakeholdergroups CORE X AbouttheReport Transparency and openness

59

GRI 102-41 Collectivebargainingagreements CORE X

Responsibilityintheworkplace–TheBankasagoodemployer

HRManagement 84

GRI 102-42 Identifyingandselectingstakeholders CORE X

AbouttheBankBGŻBNPParibas;EconomicresponsibilityofBankBGŻBNPParibas–TheBankasaninnovator

CorporateSocialResponsibilityinBankBGŻBNPParibas;

Transparency and openness

29

59

GRI 102-43 Approachtostakeholdersengagement CORE X

AbouttheBankBGŻBNPParibas;EconomicresponsibilityofBankBGŻBNPParibas–TheBankasaninnovator

CorporateSocialResponsibilityinBankBGŻBNPParibas;

Transparency and openness

29

59

GRI 102-44 Keytopicsandconcernsraised CORE X

EconomicresponsibilityofBankBGŻBNPParibas–TheBankasaninnovator;AbouttheReport

Transparency and openness

59

Identified Material Aspects and Boundaries X

GRI 102-45Entitiesincludedintheconsolidatedfinancialstatements

CORE X AbouttheReport AbouttheReport 165

GRI 102-46 Definingreportintheconsolidatedstatements CORE X AbouttheReport AbouttheReport 165

GRI 102-47 Listofmaterialtopics CORE X AbouttheReport AbouttheReport 165

GRI 102-48 Restatementsofinformation CORE X AbouttheReport AbouttheReport 165

GRI 102-49 Changes in reporting CORE X AbouttheReport AbouttheReport 165

GRI 102-50 Reporting period CORE X AbouttheReport AbouttheReport 165

GRI 102-51 Dateofmostrecentreport. CORE X AbouttheReport AbouttheReport 165

GRI 102-52 Reportingcycle CORE X AbouttheReport AbouttheReport 165

GRI 102-53 Contact point for questions regarding the report CORE X AbouttheReport AbouttheReport 165

GRI 102-54ClaimsofreportinginaccordancewiththeGRIStandards

CORE X AbouttheReport AbouttheReport 165

GRI 102-55 GRIcontentindex CORE X AbouttheReport AbouttheReport 165

GRI 102-56 Externalassurance CORE X AbouttheReport AbouttheReport 165

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171

Number of indicator

Name of indicator Level Reported for 2018

Section Subsection Page

Disclosures on Management Approach X

GRI 103-1 Explanationofthematerialtopicanditsboundary CORE X AbouttheReport;

EconomicresponsibilityofBankBGŻBNPParibas–TheBankasaninnovator;

Responsibilityintheworkplace:TheBankasagoodemployer;

SocialresponsibilityofBankBGŻBNPParibas–TheBankasagoodneighbor;

EnvironmentalresponsibilityinBankBGŻBNPParibas–TheBankas a friend of nature.

AbouttheReport 165

GRI 103-2 Themanagementapproachanditscomponents CORE X

GRI 103-3 Evaluationofthemanagementapproach CORE X

Standars

Economic Standards

Economic Standards X

GRI 201-1 Directeconomicvaluegeneratedanddistributed X AbouttheBankBGŻBNP

ParibasAbouttheBankBGŻBNPParibas

7

Market Presence X

GRI 202-1Ratiosofstandardentrylevelwagebygendercomparedtolocalminimumwage

XResponsibilityintheworkplace:TheBankasagoodemployer

HRManagement 84

Indirect Economic Impacts X

GRI 203-1 Infrastructureinvestmentsandservicessupported X

SocialresponsibilityofBankBGŻBNPParibas–TtheBankasagoodneighbour

Availabilityofproductsandservices;

Initiativesforlocalcommunities;

Volunteeringandsocialcommitment;

Helpingiscool;

Cyclicalsocialcampaigns,

Employeephilanthropy;

Strengtheningtheroleofwomen;

Counteractingsocialexclusion;

BGŻBNPParibasFoundation;

SponsorshipinitiativesofBankBGŻBNPParibas

108

114

116

119

122

124

125

132

140

140

Procurement practices X

GRI 204-1 Proportionofspendingonlocalsuppliers X

EconomicresponsibilityofBankBGŻBNPParibas–TheBankasaninnovator

Responsiblefinancing 51

Anti-corruption X

GRI 205-1 Operationsassessedforrisksrelatedtocorruption X AbouttheBankBGŻBNP

Paribas Organizationalgovernance 33

GRI 205-2Communicationandtrainingaboutanti-corruptionpoliciesand procedures

X AbouttheBankBGŻBNPParibas Organizationalgovernance 33

GRI 205-3 Confirmedincidentsofcorruptionandactionstaken X AbouttheBankBGŻBNP

Paribas Organizationalgovernance 33

GRI 206-1Legalactionsforanti-competitivebehavior,anti-trustandmonopolypractices

XEconomicresponsibilityofBankBGŻBNPParibas–TheBankasaninnovator

Transparency and openness

59

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172

Number of indicator

Name of indicator Level Reported for 2018

Section Subsection Page

Environmental Standards

Materials X

GRI 301-1 Materialsusedbyweightorvolume X

EnvironmentalresponsibilityinBankBGŻBNPParibas–TheBankas a friend of nature

Limitingthenegativeimpactofoperatingactivities

151

Energy X

GRI 302-1 Energyconsumptionwithintheorganization X

EnvironmentalresponsibilityinBankBGŻBNPParibas–TheBankas a friend of nature

Limitingthenegativeimpactofoperatingactivities

151

GRI 302-4 Reduction of energy consumption X

EnvironmentalresponsibilityinBankBGŻBNPParibas–TheBankas a friend of nature

Limitingthenegativeimpactofoperatingactivities

151

Water X

GRI 303-1 Waterwithdrawalbysource X

EnvironmentalresponsibilityinBankBGŻBNPParibas–TheBankas a friend of nature

Limitingthenegativeimpactofoperatingactivities

151

Emissions X

GRI 305-2 Energyindirect(Scope2)GHGemissions X

EnvironmentalresponsibilityinBankBGŻBNPParibas–TheBankas a friend of nature

Limitingthenegativeimpactofoperatingactivities

151

GRI 305-5 ReductionofGHGemissions X

EnvironmentalresponsibilityinBankBGŻBNPParibas–TheBankas a friend of nature

Limitingthenegativeimpactofoperatingactivities

151

Compliance X

GRI 307-1Non-compliancewithenvironmentallawsandregulations

X

EnvironmentalresponsibilityinBankBGŻBNPParibas–TheBankas a friend of nature

Limitingthenegativeimpactofoperatingactivities

151

Supplier Environmental Assessment `

GRI 308-1Newsuppliersthatwerescreenedusingenvironmentalcriteria

XEconomicresponsibilityofBankBGŻBNPParibas–TheBankasaninnovator

Responsiblefinancing 51

Social Standards

Employment X

GRI 401-2

Benefitsprovidedtofull-timeemployeethatarenotprovidedtotemporaryorpart-timeemployees

XResponsibilityintheworkplace:TheBankasagoodemployer

HRManagement 84

GRI 401-3 Parentalleave XResponsibilityintheworkplace:TheBankasagoodemployer

HRManagement 84

Labor/Management Relations X

GRI 402-1 Minimumnoticeperiodsregardingoperationalchanges X

Responsibilityintheworkplace:TheBankasagoodemployer

HRManagement 84

Occupational Health and Safety X

GRI 403-1Workersrepresentationinformaljointmanagement-workerhealthandsaftycommittees

XResponsibilityintheworkplace:TheBankasagoodemployer

HRManagement 84

GRI 403-2

Types of injury and rates of injury,occupationaldiseases,lostdays,andabsenteeism,andnumberofwork-relatedfatalities

XResponsibilityintheworkplace:TheBankasagoodemployer

HRManagement 84

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173

Number of indicator

Name of indicator Level Reported for 2018

Section Subsection Page

Training and Education X

GRI 404-1 Averagehoursoftrainingperyearperemployee X

Responsibilityintheworkplace:TheBankasagoodemployer

Developmentoftheorganization.Employeetraining

100

GRI 404-2Programsforupgradingemployeeskillsandtransitionassistanceprograms

XResponsibilityintheworkplace:TheBankasagoodemployer

Developmentoftheorganization.Employeetraining

100

GRI 404-3Percentageofemployeesreceivingregularperformanceandcareerdevelopmentreviews

XResponsibilityintheworkplace:TheBankasagoodemployer

Developmentoftheorganization.Employeetraining

100

Diversity and Equal Opportunity X

GRI 405-1 Diversityofgovernancebodiesandemployees X

Responsibilityintheworkplace:TheBankasagoodemployer

Diversitymanagement 96

Non-discrimination X

GRI 406-1 Incidentsofdiscriminationsandcorrectiveactionstaken X

Responsibilityintheworkplace:TheBankasagoodemployer

HRManagement 84

Assessment x

GRI 412-1Operationsthathavebeensubjecttohumanrightsreviewsorimpactassessments

X AbouttheBankBGŻBNPParibas Organizationalgovernance 33

GRI 412-2 Employeetrainingonhumanrightspoliciesorprocedures X AbouttheBankBGŻBNP

Paribas Organizationalgovernance 33

GRI 412-3

Significantinvestmentagreementsandcontractsthatincludehumanrightsclausesorthatunderwenthumanrightsscreening

XEconomicresponsibilityofBankBGŻBNPParibas–TheBankasaninnovator

Responsiblefinancing 51

Local Communities X

GRI 413-1

Operationswithlocalcommunityengagement,impactassesments,anddevelopmentprograms

X

SocialresponsibilityofBankBGŻBNPParibas–TheBankasagoodneighbour

Volunteeringandsocialcommitment;

Helpingiscool;

Cyclicalsocialcampaigns;

Employeephilanthropy;

Strengtheningtheroleofwomen;

Counteractingsocialexclusion;

BGŻBNPParibasFoundation;

SponsorshipinitiativesofBankBGŻBNPParibas

116

119

122

124

125

132

140

140

Supplier Assessment for Impacts on Society X

GRI 414-1 Newsupplierstahtwerescreenedusingsocialcriteria X

EconomicresponsibilityofBankBGŻBNPParibas–TheBankasaninnovator

Responsiblefinancing 51

GRI 417-3Incidentsofnon-complianceconcerningmarketingcommunications

XEconomicresponsibilityofBankBGŻBNPParibas–TheBankasaninnovator

Transparency and openness

59

Customer Privacy X

GRI 418-1

Substantiatedcomplaintsconcerningbreachesofcustomerprivacyandlossesofcustomerdata

XEconomicresponsibilityofBankBGŻBNPParibas–TheBankasaninnovator

Transparency and openness

59

Socioeconomic Compliance X

GRI 419-1Non-compliancewithlawsandregulationsinthesocialandeconomicarea

XEconomicresponsibilityofBankBGŻBNPParibas–TheBankasaninnovator

Transparency and openness

59