ESG MANAGEMENT
ESG in the BNP Paribas Bank Polska Group
The BNP Paribas Bank Polska Group consistently strengthens its role as an institution aware of its impact on the environment and responsibly managing the aspects of sustainable development Maintaining its position as a leader in sustainable finance is one of the Bank’s key strategic commitments.
Governance and oversight
The strategic sustainable development goals are shared not only by the members of the Management Board and senior management, but also by employees in many areas of the Bank and its subsidiaries.
The Supervisory Board, supported by specialised committees, monitors the Bank’s activities and oversees the implementation of the strategy, including in respect of sustainable development, conducted by the Management Board.
Strategic directions and stakeholder dialogue
One of the three pillars of our Accelerate 2030 strategy – “Impact” – assumes continued support for the sustainable transition. We considered the perspective of key stakeholders of the Group in its creation, based on trust and transparency. We would like to continue this approach when defining future strategic plans.
Reporting scope and material topics
The 2025 report provides comprehensive information on managing the Group’s impacts, risks and opportunities through specific activities, metrics and targets. The Group’s dual materiality analysis identified the following as important issues:
- climate change (ESRS E1)
- own workforce (ESRS S1)
- consumers and end-users (ESRS S4)
- business conduct (ESRS G1)
- two topics specific to the Group: market integrity and financial security, and cybersecurity
Responsible risk management
Our goal is to provide Clients with the highest quality of services. Prudent risk management, based on an integrated set of principles, mechanisms and tools (including policies and procedures), together with a strong Compliance culture, form the foundations of the Group’s business activities. One of the key components of this system is the management of ESG risks, including climate‑related risk.
The Sustainability Statement covers the Group’s entire value chain, providing a consistent and comprehensive picture of its impact.
Sustainable financing
The role of responsible financial institutions is to develop products and services with a positive impact, responding to global challenges and local market conditions, and to limit financing that is not in line with this direction. Sustainable products offered by BNP Paribas Bank contribute to the energy transition and the dissemination of solutions that foster environmental protection and climate change mitigation. They also support investments or actions with a positive social impact.
The value of sustainable financing as at the end 2025 was PLN 13.6 billion, which constitutes 14.6% of the total financing.
| Value of sustainable financing granted by the Bank in the years 2024 – 2025 |
Value (PLN million) |
||
|---|---|---|---|
| Value of sustainable financing | 2024 | 2025 | change y/y |
| with a positive environmental impact | 6,353 | 9,083 | 43.0% |
| with a positive social impact | 471 | 297 | (36.9%) |
| ESG Rating-Linked Loan | 468 | 538 | 15.0% |
| Sustainability-Linked Loan | 2,866 | 3,660 | 27.7% |
| TOTAL | 10,158 | 13,578 | 33.7% |
| Value of financing with a positive environmental impact in the years 2024 – 2025 |
Value (PLN million) |
||
|---|---|---|---|
| Financing with a positive environmental impact | 2024 | 2025 | change y/y |
| renewable energy | 1,500 | 2,107 | 40.5% |
| green building | 2,727 | 4,755 | 74.4% |
| thermo-modernisation of buildings | 1,220 | 1,214 | (0.5%) |
| improving the energy efficiency of production processes | 151 | 169 | 11.9% |
| low-carbon transport | 108 | 416 | 285.2% |
| closed-loop economy | 212 | 353 | 66.5% |
| waste and water treatment | 237 | 42 | (82.3%) |
| natural resources and biodiversity | 198 | 27 | (86.4%) |
| TOTAL | 6,353 | 9,083 | 43.0% |
| Value of financing with a positive social impact in the years 2024-2025 |
Value (PLN million) |
||
|---|---|---|---|
| Financing with a positive social impact | 2024 | 2025 | change y/y |
| counteracting social exclusion | 4 | 9 | 112.5% |
| healthcare | 349 | 115 | (67.0%) |
| education | 75 | 172 | 129.3% |
| basic infrastructure (e.g., water supply, sewage system) | 43 | 2 | (96.5%) |
| TOTAL | 471 | 297 | (36.9%) |
At BNP Paribas, we have been committed for many years to protecting the natural environment and supporting actions that mitigate the effects of climate change. We implement solutions that genuinely reduce greenhouse gas emissions resulting from our own operations, and we support our Clients in their energy transition.
In 2025, we focused on four main areas:
- ESG monitoring of Customers and investments and implementation of ESG policies, with a particular focus on decarbonisation processes in high‑emission sectors,
- continuous development of the range of products and services that support our Customers in the transition to a low-carbon economy and green investments,
- implementation of operational changes that limit the Bank’s negative impact on the natural environment
- educational activities aimed at Bank’s employees and external stakeholders, building partnerships and supporting pro-environmental initiatives.
In 2025, we continued our efforts to support the decarbonisation of our Clients, placing particular emphasis on implementing decarbonisation levers for individual sectors, with a special focus on the agri‑food sector.
In our Group’s 2026–2030 Strategy, “Accelerate 2030”, the Impact pillar focuses on playing a leading role in the sustainable transformation of our Clients and accelerating positive change at the national level.
-
Hybrid and electric cars in the fleet
-
1,061
2024
-
1,251
2025
-
-
Electricity utilised by the Bank from renewable sources
-
100 %
2024
-
100 %
2025
-
Selected environmental indicators
| 2024 | 2025 | change y/y | ||
|---|---|---|---|---|
Environmental responsibility
|
Group greenhouse gas emissions generated from operations (tons CO2e market based)1 | 8,280 | 7,860 | (5%) |
| Group greenhouse gas emissions scope 3 category 15 (tons CO2e)2 | 2,054,667 | 2,295,129 | 12% | |
| Hybrid and electric cars in the fleet | 1,061 | 1,251 | 17.9% | |
| Electricity utilised by the Bank from renewable sources | 100% | 100% | no change | |
- the value includes category 6, scope 3
- the value does not include emissions from treasury bonds nor Scope 3 emissions of Customers (except for Customers in the oil, gas, and automotive sectors). The value of investments for 2024 has been recalculated retrospectively to reflect the changes introduced in 2025 to the methodology for calculating financed emissions. Details regarding the calculation of Category 15 are described in the Management Board’s Report on the activities of the BNP Paribas Bank Polska S.A. Group in 2025
In 2025, we actively contributed to society – our employees, Customers and local communities. We are convinced that a committed and satisfied employee guarantees a high level of customer satisfaction, which is why we create an environment that supports development, initiative and creativity. We encourage testing of new, bold solutions and accept mistakes as a natural element of the learning process. In our daily work, we are guided by values of: empowerment, cooperation, courage, simplicity and transparency, which help us to flexibly respond to changing market conditions and implement our strategic ambitions.
We take care of the fact that every employee feels appreciated and has equal opportunities for personal development. Our communication is based on honesty, respect and action in accordance with ethical standards.
At the same time, we consistently increase the availability of our products and services for people at risk of social exclusion. We are attentive to the needs of Customers and support philanthropic initiatives promoting social equality. We engage in activities for local communities, focusing our efforts where we can really contribute to positive change.
-
Number of training hours – average per person employed by the Bank in a given year
-
27.9
2024
-
35.3
2025
-
-
Number of Clients’ centres with the “Barrier-free Facility” certificate
-
143
2024
-
144
2025
-
Selected social indicators
| 2024 | 2025 | change y/y | |||
|---|---|---|---|---|---|
Responsibility at the workplace
|
The Group’s headcount (active employees)3 | 7,512 | 7,255 | (3.4%) | |
| Number of training hours – average per person employed by the Bank in a given year | 27.9 | 35.3 | 26.5% | ||
| Adjusted Gender Pay Gap4 | 3.80% | 3.70% | (0.1 p.p.) | ||
| Percentage of women in the Management Board of the Bank in a given year | 37.5% | 37.5% | no change | ||
| Percentage of women in top management (B1+B2) in the Bank and the Group5 | 46% | 45% | (1.0 p.p.) | ||
Social responsibility
|
Number of the Bank’s volunteers involved in the Szlachetna Paczka (Noble Gift) initiative in a given year | 2,740 | 2,185 | (20.3%) | |
| Number of Local Ambassadors of the Bank operating throughout Poland | 160 | 150 | (6.3%) | ||
| Number of donors under the “Wspieram caly rok” (I support all year long) programme | 408 | 422 | 3.4% | ||
| Number of Customer Centres with the “Barrier-Free Facility” certificate | 143 | 144 | 0.7% | ||
- change in data presentation from 2024 onwards to active employees. An agreement was reached with the Trade Unions in December 2020 and a redundancy programme for 2021-2023 was announced, the Bank also launched a Voluntary Redundancy Programme. In December 2023, as a result of negotiations with the trade unions, an agreement was signed on the rules for carrying out group layoffs and on the Voluntary Redundancy Programme. The agreement was concluded for the period 2024-2026
- data on the unadjusted gender pay gap are available in the Management Board’s Report on the activities of the BNP Paribas Bank Polska S.A. Group in 2025 (ESRS S1-16)
- as a result of the reassignment of employees to the structure divided into Management Board, Top Management (B1 + B2), Lower Management and Other Employees, the approach to presenting the indicator on the percentage of women in managerial positions was changed
Responsible corporate governance is the foundation of all our activities. We implement the best market practices in this regard and adhere to the highest standards of ethics and responsibility. A key document from the perspective of ESG management at our Bank is the Code of Conduct of the BNP Paribas Group. As a socially responsible institution, we are also one of the initiators of The Declaration of Responsible Selling which aims to raise and disseminate ethical standards in Customer relations, educate business and consumers, increase trust in the financial sector and counteract unfair practices.
This section of the Sustainability Report outlines the Group’s policies, including those relating to anti-corruption, as well as other compliance risk issues, such as financial security or market integrity. Measures to mitigate business risks and other compliance risk issues are also described.
The following indicators have been adopted for governance and compliance risk:
- percentage of persons in positions most at risk of corruption covered by training programmes on corruption and bribery.
- number of convictions and penalties for violations of anti-corruption legislation.
As a responsible financial institution, we monitor the level of ESG risks of all our Business Customers. We pay particular attention to the financing of sectors considered sensitive in terms of ESG risks, ensuring that our credit and investment decisions are consistent with the principles of sustainable development.
-
Value of sustainable financing (PLN billion)
-
10.2
2024
-
13.6
2025
-
-
Number of CSR Analyses carried out during the year
-
251
2024
-
232
2025
-
Selected economic indicators
| 2024 | 2025 | change y/y | ||
|---|---|---|---|---|
Economic responsibility
|
Number of CSR Analyses carried out during the year | 251 | 232 | (7.6%) |
| Value of sustainable financing (PLN billion)6 | 10.2 | 13.6 | 33.3% | |
| Number of employees participating in the “Conduct Journey” training on conduct7 | 7,119 | 6,738 | (5.4%) | |
| Number of most exposed employees participating in the anti-bribery and anti-corruption training7 | 493 | 3,018 | 512.2% | |
- total balanced loans and advances (portfolio measured at amortised cost)
- data published in the report since 2024. In 2025, a larger number of employees were assigned to anti-bribery and anti-corruption training, which is why the percentage of employees in corruption-exposed roles who completed the training is higher. For comparison, the combined percentage of employees in corruption-exposed roles who completed the training in 2024 and 2025 is 48.36%. The data has been adjusted to exclude employees on long-term leave
