ABOUT
THE BANK
We are a universal bank – we offer products for individual customers, microbusinesses, small, medium and large enterprises. The connection with the global BNP Paribas financial group enables us to apply the best international practices to meet the needs of the local market and the expectations of the Bank’s Clients.
Mission of the Bank
We implement positive banking into the lives of our Clients, responding to their financial needs and making it easier for them to achieve their goals. We operate in a simple, thoughtful and safe manner, caring for the society and the environment.
Key data
Structure of the Group
BNP Paribas Bank Polska S.A.
BNP Paribas Towarzystwo Funduszy Inwestycyjnych S.A.
BNP Paribas Group Service Center S.A.
BNP Paribas Leasing Services Sp. z o.o.
Business model
Our activities
Retail and Business Banking
- we provide services to Retail Customers – including Private Banking Customers (Wealth Management) and Business Customers (Microenterprises);
- we provide services focusing primarily on the offer of savings and checking accounts, term deposits, loans and consumer finance products. The offer includes all forms of current banking services, savings, investments and loans.
Corporate Banking
- we provide services to large and medium-sized enterprises, local government units and entities that belong to international capital groups;
- we provide a full range of financing and transactional banking products to corporate customers using the experience and know-how of the BNP Paribas Group.
SME Banking
- we provide services to agro and non-agro Customers;
- we offer transaction products within the account or package already owned, internet and mobile banking, deposits and credit products, trade finance transactions, financial market transactions, factoring services offered in cooperation with BNP Paribas Faktoring Sp. z o.o. and leasing services offered in cooperation with BNP Paribas Leasing Services Sp. z o.o.
Corporate and Institutional Banking (CIB)
- we provide services to the largest Polish enterprises, strategic Customers and medium-sized companies; through the Custody Services Department, the offer is also addressed to insurance companies as well as pension and investment funds;
- we provide the Customers in Poland with the BNP Paribas Group’s comprehensive solutions in the area of financing the current operations and investment projects (including advisory services related to mergers and acquisitions, restructuring, etc.) and managing financial risk and risk related to price fluctuations on commodity markets.
Other Banking Activity
- includes activities performed by the ALM Treasury Line and the Corporate Centre. ALM Treasury Line’s task is to ensure an appropriate and stable level of funding to guarantee the security of the Bank’s activities and compliance with the legal standards, as well as to reduce the sensitivity of the Bank’s net interest income to changes in market interest rates.
Bank’s shareholder structure
As of 31 December 2025, two of the Bank’s shareholders held at least 5% of the total number of votes at the General Meeting: BNP Paribas and BNP Paribas Fortis SA/NV. In total, they held:
75.00%
of the votes.
The remainder of the Bank’s shares, i.e., 25.00%, was in free float.
Shareholder structure
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|---|---|---|---|---|
| Shareholder | Number of shares | % interest in share capital | Number of votes at the General Shareholders’ Meeting | % share in the total number of votes at the General Shareholders’ Meeting |
| BNP Paribas, in total: | 110,910,367 | 75.00% | 110,910,367 | 75.00% |
| BNP Paribas directly | 75,420,141 | 51.00% | 75,420,141 | 51.00% |
| BNP Paribas Fortis SA/NV directly | 35,490,226 | 24.00% | 35,490,226 | 24.00% |
| Other shareholders | 36,970,124 | 25.00% | 36,970,124 | 25.00% |
| Total | 147,880,491 | 100.00% | 147,880,491 | 100.00% |
Ratings
In 2025, the Bank was rated by the Fitch Ratings agency (ordered by the Bank).
| Long-Term Issuer Default Rating (LT IDR) | ”A+” with a negative outlook |
| Short-Term Issuer Default Rating (ST IDR) | ”F1” |
| National Long-Term Rating (Natl LT) | ”AAA(pol)” with a stable outlook |
| National Short-Term Rating (Natl ST) | ”F1+(pol)” |
| Viability Rating (VR) | ”bbb” |
| Shareholder Support Rating (SSR) | “a+” |
