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Annual report 2019
A
PL
A
PL
About the Bank
Letters
Letter from the Chairman
of the Supervisory Board
Letter from the CEO
Key
facts
The History
Business Model
and Value Creation Model
Stakeholders
Bank on the stock exchange
Shareholders’ structure
and share price
Ratings
Investor relations
Bank and environment
in 2019
Major events
Awards and distinctions
External factors
Macroeconomic conditions
Performance of the banking sector
Stock market and investment situation
Governance
Corporate governance
Ethics and organization values
Compliance with corporate governance principles in 2019
Shares and shareholders
Governing bodies of the Bank
Remuneration of the Supervisory Board and Management Board
Diversity Policy
System of control and risk management in the process of preparing financial statements
Risk management
How we manage risks
Credit Risk
Counterparty risk
Market risk
Interest rate risk in the banking book
Liquidity risk
Operational risk
Legal risk
Summary of Bank and Group policies
Strategy
and outlook
Fast Forward Strategy in 2019
Transformation
and integration
CSR and Sustainable Development
Outlook
Factors which may affect the performance of the Bank’s Capital Group
Growth perspectives for the BNP Paribas Bank Polska S.A. Group
Financial
results
Key
numbers
Capital Group results
Consolidated statement of profit and loss
Statement of comprehensive income
Statement of financial position
Own funds and capital ratios
Financial ratios
Notes
Bank results
Separate statement of profit or loss
Statement of comprehensive income
Statement of financial position
Own funds and capital ratios
Financial ratios
Average interest rates used by the Bank
Business
operations
Economic responsibility
Responsible financing
Transparency and dialogue with Clients
Supporting Client development
Food & Agro development
Initiatives for innovation
Business
areas
Retail and Business Banking
Personal Finance
Brokerage Office
SME Banking
Corporate Banking
Agro
Corporate and Institutional Banking
Other banking activity
Information technology and cyber security
Operations and business support
Cooperation with financial institutions
Distribution channels
Branches and ATM network
Alternative distribution channels
Activities of the group entities
BNP Paribas Towarzystwo Funduszy Inwestycyjnych S.A.
BNP Paribas Leasing Services Spółka z o.o.
BNP Paribas Group Service Center S.A.
BNP Paribas Solutions Spółka z o.o.
Bankowy Fundusz Nieruchomościowy Actus Spółka z o.o.
Campus Leszno Spółka z o.o.
BGZ Poland ABS1 Designated Activity Company
Society
and workplace
Social responsibility
Social responsibility
Availability of products and services
Initiatives for local communities
Strengthening the role of women
BNP Paribas Foundation
Volunteering and social commitment
Counteracting social exclusion
Important social topics in marketing communication
Sponsorship initiatives
Responsibility in the workplace
Responsibility in the workplace
HR Management
Employment data
Diversity management
Development and training
Employer Branding
Good practices companies from the BNP Paribas Capital Group in Poland
Environmental
responsibility
Environmental responsibility
Supporting energy transformation
Approach to energy transformation
Eco-friendly products and services
Sustainable funding competence center
Promotion of Eco-attitudes
“Bank of Green Changes” program
Promoting climate justice
Apiary under the stars
Limiting the adverse effects of operations on the enviromnent
Managing the organization’s impact on the environment
Responsible use of resources
Initiatives for Eco-mobility
37. Discontinued operations
37. Discontinued operations
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The Group did not discontinue any operations in 2019 or 2018.
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Annual report 2019
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