Business model and value creation model

BNP Paribas Bank Polska S.A. Capital Group operates through operating segments (we present in in %, the share of a business line in the Group’s banking activity result, NBI, for 12 months 2021):

• The Retail and Business Banking Segment – provides services to retail customers – including private banking customers (Wealth Management), and business customers – including micro enterprises. The largest share in NBI – 49.7%,
• Corporate Banking – offers a wide range of financial services to large and medium-sized enterprises, local government units and entities that belong to international capital groups. Share in NBI – 24.1%,
• SME Banking – provides services to agro and non-agro customers. Share of NBI – 9.4%,
• The Corporate and Institutional Banking (CIB) – supports sales of the Group’s products to Polish companies and provides services to strategic customers. Share in NBI – 6.1%,
• Other Banking Operations – includes activities performed by the ALM Treasury and the Corporate Center. Participation in NBI – 10.7%.

We live in a changing world. That is why it is so important for us to secure financial needs and introduce innovative solutions. We support our customers in sustainable development. We care about professional development and employee engagement. We generate increased shareholder value and benefits for the economy, the environment and local communities.

We offer our customers a variety of financial products and services provided by the Bank and Group companies. We are close to our customers. We provide services in a network of bank branches, and we are constantly developing and adapting our outlets to their needs. Our loan products are also available at partner shops and selected car dealer networks. To meet technological challenges, we are constantly developing our products and digital service channels: mobile and online banking, new forms of communication.

We strive to provide every customer with equal access to banking. To this end, we improve our products and introduce facilities in our branches. Through these facilities, we provide access to banking for people with disabilities, seniors and people from groups at risk of exclusion.

Our objective is to deliver the highest quality of service to our customers. Prudent market management and a culture of Compliance are the pillars of our business activities. We have implemented and apply procedures through which we manage risk. One of the key elements of this system is ESG risk management, including climate risk.

Long-term support for sustainable development of the economy and building lasting relationships with customers and other stakeholders of the Bank is a key dimension of our responsibility. We offer products and services tailored to the changing needs of our customers, while responding to global challenges and local market conditions.