Annual report 2019

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Key facts

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BNP Paribas Bank Polska S.A. is a strong local bank with global reach, operating as the parent company of the BNP Paribas Bank Polska S.A. Group.

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Since May 2011, Bank BNP Paribas has been listed on the Warsaw Stock Exchange. 88.76% of its shares belong directly and indirectly to the international banking group BNP Paribas. The headquarters of the organization is located in Warsaw at Kasprzaka 10/16.

It is our mission to offer responsibly innovative financial solutions that will help our clients to change their world and support the local economy.

BNP Paribas Bank Polska S.A. is a universal bank with a comprehensive product offer for Polish and international corporations, SME segment, farmers and retail clients. BNP Paribas Bank Polska offers:

To individual clients:

savings and investment products, a wide range of loans, including housing and consumer loans. We also offer a comprehensive range of protection and multiplication and asset optimization.

To Micro, SME and corporate enterprises:

solutions for financing operations on both domestic and international market.

We hold the leading position in financing of agriculture, the food industry, and regional infrastructure. We stand out for our broad offer for agro-food businesses. We are a leading bank in the consumer segment and one of the banks of choice for clients from the sector of large companies and international corporations.

The Capital Group of BNP Paribas Bank Polska S.A.

The Bank and its subsidiaries form the BNP Paribas Bank Polska SA Group. (hereinafter referred to as the „Group”), which is the sixth largest group in Poland in terms of the balance sheet total. The Group employs over 10 thousand people.

The Group provides services through a nationwide branch network and alternative distribution channels, including online and mobile banking for individual and corporate customers

BNP Paribas Bank Polska Group in figures

PLN 110 b

assets

3.9 m

clients

514

branches

10.2 thous.

FTE

As at 31 December 2019, the Group comprised the following entities: BNP Paribas Bank Polska S.A. – as the parent entity; and the following fully consolidated subsidiaries:

bnpObszar roboczy 1@4x bnpObszar roboczy 1@4x

* on 31.12.2019 BNP Paribas Group Service Center S.A. (Acquiring Company) was merged with BNP Paribas Financial Services Sp. z o.o. (Acquired Company).

** BGŻ Poland ABS1 DAC („SPV”) registered in Ireland, 3RD Floor Kilmore House, Park Lane, Spencer Dock, Dublin. An SPV company with which the Bank performed a securitization of a part of the loan portfolio. The Group has no equity contribution in this entity. The company is controlled by Bank BNP Paribas S.A. due to the fulfilment of the control conditions only within the understanding of IFRS 10

We are a part of the leading international banking group BNP Paribas

BNP Paribas Bank Polska S.A. Capital Group belongs to the leading international banking group BNP Paribas.

The BNP Paribas Group operates in key areas: Domestic Markets and International Financial Services, which are provided by Retail Banking and Services as well as Corporate and Institutional Banking.

72

countries

200 thousand

employees

155 thousand

employees in Europe

The BNP Paribas Group supports its clients (individual, local governments, entrepreneurs, small and medium enterprises, corporations and institutions) in the implementation of projects, offering them a wide range of financial, investment and savings products as well as insurance protection. In Europe, it operates on four home markets (Belgium, France, Italy, Luxembourg), and is also a leader in consumer loans (BNP Paribas Personal Finance). The BNP Paribas Group is developing its integrated retail banking model in the Mediterranean, Turkey, Central and Eastern Europe and through an extensive network of branches in the western United States. In the area of ​​Corporate & Institutional Banking and International Financial Services, BNP Paribas also ranks high in Europe, has a strong position in North and South America, and also notes the rapid development of its companies in the Asia-Pacific region.

BNP Paribas
Group
worldwide

In Poland, the BNP Paribas Group operates in many areas of financial services such as banking, investment funds, fiduciary services, factoring, leasing, insurance, real estate and car fleet management.

The BNP Paribas Group is aware of its role in four important areas of influence: economy, employees, society and the environment. In all regions of its operations, the Group is actively involved in the life of local communities.

In addition to the BNP Paribas Bank Polska S.A. Capital Group, to which this report relates, there are also other BNP Paribas Group companies operating in Poland.

The company is a branch of BNP Paribas Lease Group S.A., the unquestioned leader on the French market in the field of financing equipment for enterprises and the self-employed. As part of the Equipment & Logistics Solutions business line, it mainly finances agricultural machinery and construction machinery. The company’s offer is completed by the second business line, Technology Solutions, which deals in financing IT equipment and medical equipment. BNP Paribas Leasing Solutions offers its partners the best financing solutions and sales support for their products. The company’s offer includes products: from leasing, leaseback, through a loan, European loan, lease, to rental. It provides services of financing fixed assets for various branches of industry directly to enterprises and institutional clients as well as through partners – producers and distributors. Since 2010, it has been a leader in financing agricultural machinery.

Arval Service Lease Polska was founded in 1999 and is one of the founders of the Polish Vehicle Rental and Leasing Association (PZWLP), which shapes and exerts influence on the development of the vehicle rental and leasing industry and vehicle fleet management. The fleet belonging to Arval Service Lease Polska already has over 38,000 cars, which makes Arval Service Lease Polska a leader on the CFM market with the largest fleet on the Polish market. This is confirmed by numerous awards received in 2019: Fleet Derby 2019, Fleet Awards 2019, Forbes Diamond 2019, Eagle Wprost. Being always close to drivers, Arval actively participates in the electromobility revolution. The total fleet leased by Arval worldwide is 1.3 million vehicles. The company was founded 30 years ago in France, today it is present in 29 countries and employs over 7,000 employees.

A part of the BNP Paribas Group present in Warsaw since March 2008, specializing in servicing securities and investment funds for institutional investors, financial institutions and major companies. Today, BNP Paribas Securities Services operates under two business lines: International Operations Center (IOC) – asset and fund management for institutional clients from all over Europe, and Custody & Clearing Services – professional custody services for financial institutions. It deals with, among others, keeping accounts and handling securities, accounting services for funds, calculation and confirmation of the value of assets as well as settlement of capital and cash. It also verifies the compliance of operations with the investment policy and supports purchase and sale orders of fund units.

The insurance company, present on the Polish market since 1998, specializes in life insurance and bancassurance. The BNP Paribas Cardif offer includes a wide range of high quality insurance products and services sold through a network of partners: banks, leasing companies, telecommunications and retail partners. Close cooperation with partners allows to create insurance solutions that meet the needs of customers.

A factoring company, belonging to the BNP Paribas Factoring Group, a leader on the international factoring market, with over 50 years of experience. It has been operating in Poland since 2006 and is one of the fastest growing financial institutions on the market. It is a member of the Polish Factors Association and Factors Chain International, an international association of factoring companies. The services offered by the company meet all international standards. BNP Paribas Faktoring directs its offer to small, medium and large production, commercial, service and agro-food companies conducting sales with deferred payment.

The company’s operations are based on six business lines covering the entire property life cycle: construction investments, transactions, consulting, valuations, property management and investment management. In Central and Eastern Europe, BNP Paribas Real Estate provides services in the areas of: capital markets, property management, rental of commercial space, valuations and transactions. All services are supported by the Market Analysis and Consultancy Department, which provides information, making it easier for BNP Paribas Real Estate clients to make the best long-term business decisions.

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