Integrated Report 2021

Organic growth

Despite the high volatility in the environment, we strengthened the foundations of our organic growth. We acquired a record number of customers and achieved a double-digit increase in loan volumes in retail and corporate banking. The consistent implementation of our strategic directions allowed us to further improve the profitability of our core business.

4.1 million

of Customers (+5% y/y)

PLN 132 billion

of assets (+10.2% y/y)

15 %

growth in the individual customer loans

12 %

growth in the institutional loans

„Bank of the Year in Poland”

by The Banker monthly

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Sustainable finance

As the Bank of Green Change, we support clients in the transition to a low-carbon economy and inspire them to make responsible financial decisions. We consistently pursue a strategy of financing investments that have a positive impact in social, economic and environmental areas.

PLN 6.1 billion

value of financing that supported the Sustainable Development Goals (social and environmental goals), PLN 3.9 billion in 2021

First SLL

EUR 25 million – value of the first Sustainability Linked Loan on the market for the Raben Group

Over 16 thousand

photovoltaic installations for individual customers in 2021 (+61% YoY)


of the Responsible Companies Ranking for the 3rd year in a row

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Positive banking

We strive to be a bank that is accessible to everyone, inclusive and caring for diversity. We are constantly developing our digital solutions, which was reflected in the growing number of Customers using digital channels and the scale of digital transactions. We strengthen the well-being and social commitment of employees as well as a positive impact on the environment.

Service availability

77 branches with the "Barrier Free Facility" Certificate, induction loops in 50 branches, more than 600 calls to a sign language

36 %

an increase in the number of Retail customers using the mobile application and an over 2-fold increase in the number of corporate and SME Customers using the mobile app

Employee social involvement

nearly 25k hours worked by employees as part of their social commitment

Employees’ initiatives

the Women Changing BNP Paribas initiative and the related WomenUp personal development program, “Daddy, you can bank on it!” initiative (“Tato, masz to jak w banku!”), Pride Poland

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In 2021 we developed dynamically in the retail area and returned to a growth path in corporate banking. Sales of personal accounts and mortgage loans in parallel with outstanding corporate loans reached their historic highs, above those recorded before the pandemic. Consistent organic growth, further improvement of profitability and keeping operating costs under control allow us to achieve very good financial results on business activities.

Przemek Gdański
President of the Management Board, BNP Paribas Bank Polska S.A.

PLN 4.8 billion

net banking income

PLN 131.8 billion


PLN 11.4 billion


52.9 %


9.9 %


* Normalized value calculated excluding the impact of provisions related to CHF housing loans litigations.

16.9 %


85.5 %


PLN 101 billion

Customers’ deposits

PLN 89 billion

gross loans

13 %

increase of gross loans

12 %

increase of Customer deposits

1.5 million

Customers using digital channels


people employed in the Group


new hires in the Group (employment contract)

55.7 %

women in managerial positions in the Group

-46 %

reduction of the carbon footprint of operating activities (vs. 2019)

PLN 3.9 billion

of sustainable financing in 2021

24,767 hours

hours devoted to social responsibility initiatives

Organisational culture

Our company’s culture is based on values which allow us to develop as organisation and as employees. These values are the foundation of our actions and allow us to achieve goals that we set forth as well as fulfil commitments to our Customers.

In 2021, we updated the values that co-create the organisational culture of the Bank. They are consistent within the BNP Paribas Group, as described in The BNP Paribas Way, which is a document defining both our strengths and issues that need constant work in order to face challenges and ensure a bright future of the BNP Paribas Group.

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We deliver what was agreed on. We never embellish reality.

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We question the status quo. We pursue our goals.

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We share agency. We have the power.

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We believe that simpler is better.

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We know that together is better.

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BNP Paribas Bank Polska S.A. constantly engages in the implementation and promotion of 17 Sustainable Development Goals.

They are an essential part of the Value Creation Model and guide our actions.

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