Integrated Report 2021

Organization’s environmental impact

As the Bank of Green Changes, we strive to minimise the negative environmental impact of our operations.

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Our priorities:

  • Reduction of resource consumption and CO2 emissions
  • Implementation of new eco-efficiency measures in the workplace
  • The use of energy from renewable sources
  • Developing the Bank’s eco-fleet

Energy efficiency and emissions management

  • 302-4
  • UNGC 8
  • UNGC 9

In 2020, the Bank signed an agreement with Respect Energy to purchase energy between 2021 and 2022. The agreement states that 100% of the electricity purchased directly by the Bank from 2021 onwards originates from renewable sources, primarily from hydroelectric power plants. Thus, the Bank significantly reduced carbon dioxide emissions by 16.8 thousand tonnes (equivalent to the annual consumption of 3,500 ha of forest/35 km2 – the area of an average Polish county town or the Babia Góra National Park) and lowered emissions of sulphur dioxide, nitrogen oxides, and particulate matter.

Furthermore, in 2021

  • Photovoltaic installations were installed at 3 locations:
    • Radom, 29 Traugutta Street,
    • Gizycko, 9 Grunwaldzki Square,
    • Warsaw, 54 Popularna Street.
  • Two more installations were being installed and prepared for usage,
  • We analysed the possibility of mounting photovoltaic installations at 16 branches of the Bank. Thus, we will obtain detailed installation plans for 3-5 locations in 2022.
  • At 3 locations, oil heating was replaced by a gas installation,
  • We have doubled the number of hybrid cars in our fleet. Currently, it consists of 373 hybrid vehicles and three fully electric vehicles.

The number of electric cars and plug-in hybrids is expected to grow, also among our Customers. Therefore, since 2020, our headquarters in Warsaw (Prime and Petrus buildings) have been equipped with six electric chargers for 16 cars. Charging stations are also planned in our Kraków and Ruda Śląska headquarters

100 %

of electricity purchased directly by the Bank in 2021 originates from renewable sources

27 %

of the company fleet are hybrid and electric cars

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  • E-P2

Energy consumption (own production or purchased) at BNP Paribas Bank Polska S.A. in 2021

XLS
Energy Type 2020
MWh		 2020
GJ		 2021
MWh		 2021
GJ
Purchased thermal energy, including: – 37,170 – 52,982
Heat from RES (geothermal) – 62 – 2,005
Purchased electricity, including: 22,651 81,543 21,385 76,985
Electricity from RES with guarantees of origin 22,651 81,543 21,385 76,985
Total – 118,713 – 129,967

Energy consumption (own production or purchased) in the BNP Paribas Bank Polska S.A. Capital Group in 2021

XLS
Energy Type 2020
MWh		 2020
GJ		 2021
MWh		 2021
GJ
Purchased thermal energy, including: – 37,509 – 53,594
Heat from RES – 62 – 2,108
Purchased electricity, including: 22,878 82,362 21,672 78,020
Electricity from RES with guarantees of origin 22,878 82,362 21,672 78,020
Total – 119,871 – 131,614

Fuel consumption in BNP Paribas Bank Polska S.A. Capital Group in 2021

XLS
Fuel type 2020
zużycie		 2020
[GJ]		 2021
zużycie		 2021
[GJ]
Petrol 1,257,185 litres 42,048 1,278,866 litres 42,774
Gas 482,130 m3 17,656 556,619 m3 20,339
Diesel 468,399 litres 16,919 372,711 litres 13,462
Heating oil 20,761 litres 673 12,934 litres 446
Total – 77,296 – 77,021
  • Fuel consumption by the Bank and BNP Paribas Bank Polska SA Capital Group is identical because the subsidiaries’ business activity is conducted in premises owned by BNP Paribas Bank Polska SA. (with the exception of Campus Leszno Sp. z o.o.).
  • Consumption data are obtained from invoices from suppliers of individual utilities. Where source data are not available, they are estimated based on analogous locations where source data are available.
  • The Bank has adopted reporting deadlines consistent with those applied by the BNP Paribas Group. Data showing energy consumption and emissions cover the period from 1 November to 31 October of a given year.
  • Conversion of fuel consumption into energy expressed in GJ was conducted with the employment of heating values published in the KOBIZE document “Heating Values and CO2 Emission Factors in 2016” for reporting under the Emissions Trading Scheme for 2020 and the analogous document for reporting emissions for 2021.
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  • E-P1
  • E-S2
  • UNGC 8
  • UNGC 9
  • TCFD

The organisation’s carbon footprint includes the total sum of greenhouse gas emissions caused directly or indirectly by the organisation.

XLS
GHG emission source emissions
[TONNES CO2E] 2020		 emissions
[TONNES CO2E] 2021		 2021 VS 2020 [%]
Scope 1
Petrol 2,914 2,964 1,72%
Gas 979 1,126 15,02%
Diesel 1,254 998 -20,41%
Heating oil 52 35 -32,69%
Refrigerants 50 166 232 %
Scope 2
Thermal energy 3,581 5,113 42,78%
Electricity 0 0 –
Scope 3
Business trips
Train 90 14 -84,44%
Car 245 279 13,88%
Aircraft 151 36 -76,16%
Scopes 1 + 2 + 3
Market-based 9,316 10,731 15,19%

The carbon footprint of paper consumed in 2021 by the Bank at its headquarters and branches was 101.3 tonnes of CO2.

XLS
GHG emission source emissions
[TONNES CO2E] 2020		 emissions
[TONNES CO2E] 2021		 2021 VS 2020 [%]
Scope 1
Petrol 2,914 2,964 1,72%
Gas 979 1,126 15,02%
Diesel 1,254 998 -20,41%
Heating oil 52 35 -32,69%
Refrigerants 50 166 232 %
Scope 2
Thermal energy 3,614 5,172 43,11%
Electricity 0 0 –
Scope 3
Business trips
Train 90 14 -84,44%
Car 245 279 13,88%
Aircraft 151 38 -74,83%
Scopes 1 + 2 + 3
Market-based 9,349 10,792 15,43%

The increase in greenhouse gas emissions in 2021 compared to 2020 is due to the gradual return of employees to the offices following the removal of the restrictions related to the coronavirus pandemic. The Bank’s consistent, strategic approach to reducing its carbon footprint resulted in a 46% reduction in CO2e emissions from operations compared to 2019.

  • The Bank has adopted reporting periods consistent with those applied by the BNP Paribas Group. Data showing energy consumption, emissions and business trips cover the period from 1 November to 31 October of a given year.
  • Conversion of fuel consumption into energy expressed in GJ was conducted with the employment of heating values published in the KOBIZE document „Heating Values and CO2 Emission Factors in 2016” for reporting under the Emission Trading Scheme for 2020 and the analogous document for reporting emissions for 2021.
  • Emissions calculations were prepared in accordance with the following standards: The Greenhouse Gas Protocol A Corporate Accounting and Reporting Standard Revised Edition, GHG Protocol Scope 2 Guidance, and Corporate Value Chain (Scope 3) Accounting and Reporting Standard.
  • The greenhouse gases identified and included in the calculations were CO2, CH4 and N2O, which were expressed as CO2 equivalents. No biogenic CO2 emissions were identified.
  • The reference point for reduction targets is the 2019 emissions, which was the first year when the new approach to calculating GHG emissions was used.
  • The sources of emission factors were publications of KOBIZE (National Balancing and Emission Management Centre), the Energy Regulatory Office and the DEFRA (Department for Environment, Food and Rural Affairs, UK Government) database.
  • The 'refrigerants’ category includes R410A and R32 in 2020 and R410A and R422D in 2021 as reported to the CRO (Central Register of Operators) and converted according to GWP (Global Warming Potential).
  • As a criterion for the consolidation of emission volumes for the Capital Group, a financial control criterion was adopted, which means that 100% of the company’s emissions were attributed to the Group (excluding emissions from the combustion of fuels by the fleet and business trips in subsidiaries).
  • Emissions from fleet fuel combustion and business travel in subsidiaries are included for the first time in 2021, Inclusion does not materially affect the result.

Responsible resource consumption

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  • E-S3

At our offices, we implement solutions that reduce water consumption.

The taps and other elements of the water installation are equipped with mechanisms that significantly reduce water consumption, e.g. aerators, motion sensors, ecological dish-washing programmes.

Lower water consumption is also the result of remote work during the pandemic.

47,260 m3

of water used by the Bank in 2021

9 %

decrease in water consumption in 2021

The Bank has adopted reporting periods consistent with those applied by the BNP Paribas Group. Data showing water consumption covers the period from 1 November to 31 October of a given year

  • 301-1

The Bank’s initiatives to reduce the consumption of energy and natural resources (water, gas)

  • We only use LED bulbs for outdoor signs.
  • By the end of 2022, we will have replaced all lightbulbs at our branches with LEDs (approx. 50% of bulbs were replaced in 2021).
  • At branches lacking running hot water, we install instantaneous water heaters.
  • We mount photovoltaic installations to reduce external and grid energy usage.
  • We base the quarterly analysis of consumption at branches on KPI (FTE & m2) and take remedial actions whenever necessary.
  • Start of work on two pilot eco-districts (EKO-BRANCH initiative) with implementation of a number of eco-initiatives, including HVAC and lighting management systems to be further analysed for wider implementation in network locations.
  • We have analysed the BMS settings at our headquarters and changed the central heating at our 78 Grzybowska Street and 2 Kasprzaka Street locations in Warsaw.

The Bank’s initiatives to reduce plastic consumption

  • We do not order disposable plastic accessories or plastic water bottles.
  • We have equipped our headquarter buildings, business centres and branches with water dispensers, carafes and glasses.
  • We use biodegradable cutlery and packaging in canteens. During the pandemic, we have temporarily suspended the possibility of placing meals directly into the customer’s containers, for safety reasons.
  • We minimise plastic packaging in vending machines.
  • We are improving the process of archiving documents at the Bank – we have introduced new regulations regarding the use of foil sleeves for documents.
  • We produce ecological marketing gadgets: reusable food containers, water bottles and bags.
  • We reuse old promotional materials – e.g. roll-ups are recycled into bags, placards and other accessories.
  • We order organic and vegetarian meals for our meetings and events.
  • We use ecological foil for advertisements in the windows of our branches – it is PVC-free and does not contain chemicals harmful to the environment. Old foil is recycled.

60 tonnes of furniture, worth PLN 450 thousand gained a second life owing to the Bank’s partnership with the Habitat for Humanity Poland

For several years, we have been donating furniture and equipment left after closures and renovations of our branches to social organisations. One of the beneficiaries is the Habitat for Humanity Foundation, which runs the ReStore charity shop at 12 Łojewska Street in Warsaw. The Foundation allocates sales profits to the statutory purposes of its Polish branch. ReStore is a unique project that promotes charitable, ecological and creative attitudes, connects generations and integrates the local community.

The Bank’s initiatives to reduce paper consumption

  • From 2021, all mass correspondence to our Customers and marketing leaflets are printed on certified, recycled paper. The certificates include: FSC, EcoLabel and Blue Angel.
  • At the Bank’s headquarters, we use eco-friendly paper with a reduced grammage.
  • We limit the printing of electronic correspondence by extending network resources.
  • There is a Follow Me Printing system at the Bank’s headquarters.
  • Leaflets and other printed materials ar no longer displayed at transformed branches.
  • Due to the E-delegations programme, we have eliminated paper-based delegation requests.
  • We are constantly developing initiatives that reduce paper consumption: we digitise further banking processes, we use the Autenti platform for electronic contract signing and digital document circulation.

161

of the Bank's branches do not use printed marketing materials – the information is available to Customers on tablets

83 %

the percentage of certified and recycled printing paper used by the Bank (significant increase compared to 69% in 2020)

613 thousand

documents signed electronically (more than twice the number reported for 2020), thus saving 2,935 reams of paper

> 2,8 million

sheets of paper saved since the implementation of Autenti in 2018

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