Responsible use of resources

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As part of The Bank of Green Changes program, we implemented a number of eco-improvements: initiatives minimising the adverse effects of the organisation’s operations on the natural environment.

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Bank BNP Paribas has joined the fight against plastic. Disposable plastic cups, cutlery, plates, as well as drinks in plastic bottles have been removed from our purchasing platforms. Headquarters, business centres and departments are equipped with water dispensers, decanters and glasses. The process of minimising the use of plastic in canteens at the Bank’s Headquarters is underway. We promote the use of reusable containers for meals and the exchange of plastic cutlery and packaging for ecological and compostable alternatives.

A pilot waste composting program was launched in the Paribar canteen at the Bank’s Headquarters in Kasprzaka, Warsaw. The generated compost fertilises surrounding lawns. Workers can also take it home to fertilise their plants.

We make every effort to ensure that products available in vending machines at our premises have eco-friendly packaging. The vending machines contain drinks in glass bottles and cans.

At the Bank’s branches, we segregate waste in accordance with local laws and regulations. We encourage our employees to use resources responsibly and to apply (both in private and professional life) the 5R principles:

REFUSE – Refuse what you don’t need;
REDUCE – Limit what you need;
REUSE – Reuse what you already have;
RECYCLE – Recycle what you can’t use anymore;
ROT – Compost what is no longer suitable for consumption.

The Bank plans marketing gadgets responsibly. It promotes and produces sustainable gadgets: reusable lunchboxes, water bottles and eco-bags. Deprecated promotional materials receive a second life or are passed on to social organisations. After last year’s rebranding campaign, large format materials were recycled to produce accessories, including bags and backpacks.

In September 2019, we introduced an ecological alternative to the foil used for decorating windows at our branches. It is free of PVC and environmentally harmful chemicals and is recycled after use it is then processed into a granulate, which can be reused in the production of polypropylene materials, such as: water pipes and tanks, medical accessories (e.g. syringes), rugs and carpets, wire insulation, car parts (e.g. bumpers) and toys.

We give careful consideration to the planning of printed materials. From September 2019, leaflets and other advertisements are printed on certified, 100% recycled paper. Thus, we save resources and protect the planet from deforestation. In addition, we no longer display leaflets or other printed materials at our redesigned branches. In 142 branches of our retail network, all marketing information is available in digitally: on freely accessible tablets.

In 2019, due to the implementation of the new E-delegation tool, we discontinued delegation applications on paper. The process has been digitised, its new features have streamlined work and displaced paper documents.

We use eco-friendly, reduced weight paper at the Bank’s headquarters. We encourage our employees and customers to use electronic documents and to print materials only when it is necessary. In order to reduce paper consumption, we implement rules regarding electronic correspondence and the usage of electronic documentation available through our network.

At Bank BNP Paribas, clients can receive electronic account statements through electronic banking or to a specified email address. The electronic statements are currently our customers’ preferred choice. It is still possible to receive paper statements, but customers who do are encouraged to switch to the electronic version. Advisors inform customers about the benefits of choosing the electronic variant, e.g. fast, secure access to data. Additionally, information about the possibility of switching to the electronic version is placed on the traditional, paper statements. The Bank also directs information to its employees, encouraging them to resign from paper documentation related not only to banking, but also telecoms and other services.

In 2019, the Bank’s printing paper consumption increased by 26%. The change was caused by the increased scale of the organisation (including the number of employees, branches, customers) after the acquisition of the core business of Raiffeisen Bank Polska S.A. It is worth noting that paper consumption decreased by 2% per FTE compared to 2018.

Paper consumption at the Bank BNP Paribas (in tons)

XLS

	2018	2019
Total	239.8	302.8

We implement solutions for the reduction of water consumption at our offices. The Bank’s hydraulic equipment reduces water consumption several times. Washing machines at the Bank have ecological washing programs.

In 2018, Bank BNP Paribas used 64,334 m³ of water, and the BNP Paribas Capital Group 67,188 m³ of water.
In 2019, Bank BNP Paribas used 79,015 m³ of water, i.e. 14,681 m³ more than in the previous year.
The BNP Paribas Capital Group used 81,222 m³ of water, i.e. increased water consumption by 14,034 m³ compared to 2018.
The increase in water consumption at Bank BNP Paribas and the BNP Paribas Capital Group is caused by the increased scale of the organisation (including the number of employees, branches of the Bank) after the acquisition of the core business of Raiffeisen Bank Polska S.A.

In 2019, the Bank and the Capital Group were not subject to penalties or non-financial sanctions for non-compliance with laws or regulations regarding environmental protection.

Energy efficiency

In order to reduce energy consumption, we use energy-saving devices and computer equipment. Other factors contributing to decreased energy consumption include the gradual replacement of equipment at the Processing Center and the use of virtualisation techniques which allow for the more efficient use of IT resources. In addition, we systematically educate our employees about energy-saving attitudes in everyday work.

In 2019, changes included:

introduction of LED lighting,
change of heating systems,
change of water heating systems,
purchase of green energy from renewable sources.

We have also launched a pilot of the ISEE service – intelligent control of energy efficiency – at four branches of the Bank. The six-month pilot will help us to identify possible energy savings.

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Energy consumption at Bank BNP Paribas
Energy consumption in the Capital Group of the Bank BNP Paribas

Total energy consumption at Bank BNP Paribas (self-produced or purchased) in 2019

XLS

	Value (MWh)
Electricity	27,295.30
Heating (including steam consumption, cooling energy consumption)	21,764.18
Total	49,059.49

In 2018, Bank BNP Paribas used 47,093 MWh of heat and electricity.
In 2019, Bank BNP Paribas used 49,059.49 MWh of heat and electricity.
In 2019, the consumption of heat and electricity at Bank BNP Paribas increased by 1,966.49 MWh compared to 2018.
The increase in energy consumption at Bank BNP Paribas and the BNP Paribas Capital Group is due to the increased scale of the organisation (including the Bank’s branches) after the acquisition of the core business of Raiffeisen Bank Polska S.A.

Total energy consumption (self-produced or purchased) in the Capital Group of the Bank BNP Paribas in 2019

XLS

	Value (MWh)
Electricity	27,601.12
Heating (including steam consumption, cooling energy consumption)	22,908.43
Total	50,509.55

Total energy consumption from non-renewable energy sources in the Capital Group of the Bank BNP Paribas in 2019

XLS

Resource	Value (MWh)
Coal (if we include indirect consumption)	27,123.81
natural gas	6,461.63
heating oil	283.57
Total	33,869.01

The Bank’s Capital Group consumed 47,583 MWh of energy in 2018, and 50,509.55 MWh in 2019, including 16,640.5 MWh of energy from renewable raw materials.

CO ₂ emissions

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In 2017, the Bank joined a global program of the BNP Paribas Group: Carbon Reduction 2020. The goal is to reduce CO ₂ emissions by 25% per employee by 2020 compared to 2012. Commitment and joint efforts have allowed the BNP Paribas Group to globally achieve emission neutrality in 2017.

We are constantly working to improve the organisation’s energy efficiency and to achieve the maximum reduction of CO ₂ emissions. Towards this end:

we are removing coal and oil furnaces at the Bank’s branches,
we are gradually transitioning – wherever possible – to district heating,
each year we increase the purchase of energy from renewable sources.

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XLS

	Bank BNP Paribas	Capital Group of Bank BNP Paribas
Emission resulting from purchased electricity	8,337.67	8,576.52
Emission resulting from purchased heat	5,339.32	5,746.67
Emission resulting from purchased energy used for cooling or steam	0	0
Total indirect emissions	13,676.99	14,323.19

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XLS


Total indirect emissions at Bank BNP Paribas in 2018	11,362 [tCO ₂ e]
Total indirect emissions at Bank BNP Paribas in 2019	13,676.99 [tCO ₂ e]
Total indirect emissions in the Capital Group of Bank BNP Paribas in 2018	12,612 [tCO ₂ e]
Total indirect emissions in the Capital Group of Bank BNP Paribas in 2019	14,323.2 [tCO ₂ e]

In 2019, indirect emissions of Bank BNP Paribas increased by 2,314.99 tonnes of CO ₂ , compared to 2018.
In 2019, the emissions of the Bank BNP Paribas Capital Group increased by 1,711.20 tonnes of CO ₂ compared to 2018.
The increase in CO ₂ emissions of Bank BNP Paribas and the Bank BNP Paribas Capital Group is caused by the increased scale of the organisation (including the Bank’s branches) after the acquisition of the core business of Raiffeisen Bank Polska S.A.