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Corporate Presentation of the Group Bnp Paribas Bank Polska S.A

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Corporate Presentation of the Group Bnp Paribas Bank Polska S.A CORPORATE PRESENTATION OF THE GROUP BNP PARIBAS BANK POLSKA S.A. SEPTEMBER 2021 KEY INFORMATION CONSISTENT BUILDING OF BNP PARIBAS POSITION ON THE POLISH MARKET BNP Paribas Bank Polskaamong Repositioning for future growth the 6 largest banks in Poland ”Fast Forward Strategy” • Network and offer optimization • Based on 5 pillars: growth, digitalization, • Staying focused on supporting Clients simplicity, quality, enthusiasm & the economy • Focused on smart growth with • Sustainable finance. Positive banking aspirations for further financial – new "green" products performance improvement Open & responsible transformation Profitability • Increased digitization of the bank's processes and customer interest in • Solid level of financial results already impacted remote services by COVID-19 related items • Priorities aligned with new challenges Business development • Further improvement of cost efficiency and market situation • Scale of operations and the business model • Synergies in line with assumptions • Culture of cooperation and enthusiasm proven in challenging circumstances • Full operational capacity during COVID-19 crisis • Clients’ business activities impacted by the pandemic 2 HISTORY OF M&A DRIVEN GROWTH WE HAVE STRONG ROOTS ON THE POLISH MARKET The Polish-American Enterprise FORTIS takes over PPA BANK Fund becomes strategic and names it FORTIS BANK shareholder of KTB - and POLSKA Société Générale De Banque, establishes POLSKO- later BNP PARIBAS FORTIS, AMERYKAŃSKI BANK w Krakowie I/II Q launches operations in Poland FORTIS merges with Rebranding to DOMINET BANK, FORTIS BANK POLSKA BNP PARIBAS changes its name to BNP Establishment of Krakowskie PPA BANK BNP PARIBAS Group BANK listed at WSE PARIBAS BANK POLSKA Towarzystwo Bankowe (KTB) acquires FORTIS BANK BGŻ BNP PARIBAS POLSKA is established Integration with core RAIFFEISEN BANK POLSKA 1919 1990 1991 1994 1999 2009 2011 2014 2015 2016 2018 2019 1919 1975 1994 2004 2011 Merger with IV Q Take over of the SYGMA BANK Operational majority stake of BANK merger BGŻ by BNP PARIBAS Creation RABOBANK of BANK BGŻ BANK BGŻ BANK BGŻ and EBRD become Creation of transformed listed at WSE strategic investors at POLSKI BANK into a joint stock BANK BGŻ ROLNY company 3 SOLID FOUNDATION POST SUCCESSFUL INTEGRATION STRONG ER POSITION TO FACE CHALLENGES 1 More diversified business model 2 Prudent risk management Increased scale of activity and more universal profile of the Bank Low cost of risk over recent years (2015-H1 2021) – 60 bps on average Balanced retail & corporate loan portfolio Limited exposure to the most sensitive sectors Lower concentration in agro & dilution of FX mortgage portfolio Cautious credit risk policy - no significant deterioration of the portfolio quality despite the pandemic 3 Enhanced profitability 4 Capital & liquidity position under control Core revenues generation ability improved Capital level strengthened organically, stable capital ratios, capital Stronger contribution of non-interest core revenues buffer above the regulatory minimum Costs synergies executed in line with assumptions Very good liquidity position: loans/deposits at 83.3%, LCR: 203% as at H1 2021 4 BUSINESS MODEL ST R O N G FOUNDATIONS OF THE BANK TO GENERATE SHAREHOLDER VALUE GROWTH AND BENEFITS FOR THE ECONOMY A ND COMMUNITIES A local bank with global coverage Addressing challenges of the civilization We are a bank with over 100 years of history on the Polish In our activity, we constantly analyse and consider the regulatory market. Affiliation to BNP Paribas, a global financial group, and economic aspects, as well as the dynamic development of enables us to apply best international practices to the needs over 100 years digitalisation or social and climate changes, which affect both the of the local market and expectations of the bank’s customers. reacting challenges national and global economy. We react to challenges of civilisation history of the civilisation through development and adjusting our offer to the changing environment and needs of our customers. Completeness and availability of the offer A full range of financial products and services for customers, provided by the bank and the group’s companies (including investment funds and leasing). Direct access to the offers of BNP Paribas entities functioning in Poland (e.g. factoring, full range Responsible risk management leasing, insurance, etc.). The pillar of our business activity in order to provide services As a bank close to the customer, we provide services through: of financial of the highest quality to our customers is a culture of compliance • a network of bank branches, including partner branches products & and careful risk management. • digital services channels culture of compliance One of the elements of the risk management framework is • cooperation with partner stores and selected car dealers. services and careful risk incorporating the ESG criteria into the overall risk assessment. management inachangingworld – by taking care of their financial needs, providing professional services and innovative solutions, we support our customers in sustainable development, we build professional development and employee involvement and generate shareholder value growth and benefits for the economy and local communities 5 STRATEGIC SHAREHOLDER BNP PARIBAS GROUP - EUROPEAN LEADER IN THE FIELD OF FINANCIAL SE RVICES Key areas of activity 3 key operating areas of BNP Paribas Group: Retail Banking Investments & Protection Services wide range of savings, investment 200years 68countries ~193,000 3.56 € and insurance services of banking history in the world employees net earnings per share Corporate & Institutional Banking for H1 2021 for large corporates and institutional investors Leading bank in the eurozone Clients’ base 4.7bln € net income 2,672 bln € assets 29m Customers in retail-banking networks 23.6bln € revenues 120.5 bln € equity (French Retail Banking, BNPP Fortis in Belgium, BNL in Italy, BLG BNPP in Luxembourg, International Retail Banking) financial data as at the end of H1 2021; clients’ base as at the end of 2020 6 BNP PARIBAS GROUP IN POLAND PA R T O F ST R O N G INTERNATIONAL FINANCIAL GROUP WITH AN INTERNATIONAL REACH BANK SUBSIDIARIES OTHER BNP PARIBAS ENTITIES IN POLAND BNP Paribas Towarzystwo Funduszy Inwestycyjnych S.A. (Asset management) BNP Paribas Lease Group BNP Paribas SA Oddział Sp. z o.o. w Polsce (CIB) BNP Paribas Leasing Services Sp. z o.o. BNP Paribas Group Service Center S.A. (IT development for PF entities, Arval Service Lease Polska BNP Paribas Real Estate financial intermediation services) Sp. z o.o. Poland Sp. z o.o. BNP Paribas Group in Poland BNP Paribas Financial Services Sp. z o.o. (Financial intermediation services) employs BNP Paribas Securities Services S.K.A. Oddział w Polsce BNP Paribas Solutions Sp. z o.o. Bankowy Fundusz Nieruchomościowy Actus Sp. z o.o Towarzystwo Ubezpieczeń ~ , Campus Leszno Sp. z o.o. (Training Centre) 11000 na Życie Cardif Polska S.A. BGZ Poland ABS1 DAC people (SPV, controlled by the bank under IFRS10) BNP Paribas Faktoring Sp. z o.o. 7 BNP PARIBAS BANK POLSKA GROUP IN FIGURES ST R O N G P O S I T I O N AMONG THE LARGEST PLAYERS IN POLAND Key areas of activity BNP Paribas Bank Polska S.A. is a universal bank with a comprehensive product offer, addressed to Polish and international corporations, the SME segment, farmers and retail clients. 446branches It is present in local communities but has global reach. >100years 8,700 PLN 2.01 The bank has a leading position in the agri-food, of banking history retail & business banking employees (FTE) net earnings per share for H1 2021 consumer, large enterprise and international corporation segments. 6. bank in Poland in terms of assets DiversifiedClients’ base PLN 295.9 m net profit PLN 124.0 bn assets 4.0 mCustomers PLN 2,301.3 m net banking income PLN 12.2 bn equity 1.4 m using digital channels data as at the end of H1 2021 8 MANAGEMENT BOARD COMPOSITION OF THE MANAGEMENT BOARD FROM SEPTEMBER 1 , 2 0 2 1 Jean-Charles Aranda André Boulanger Przemysław Furlepa Wojciech Kembłowski Vice President, CFO Vice President Vice President Vice President, CRO Finance Area CIB Area Retail and Business Banking Area Risk Area Przemek Gdański Kazimierz Łabno Magdalena Nowicka Volodymyr Radin Agnieszka Wolska CEO Vice President Vice President Vice President Vice President Operations and Business Support Area New Technologies and Cybersecurity Area Personal Finance Area SME & Corporate Banking Area 9 FULL MARKET COVERAGE WE SERVE ALL CLIENT SEGMENTS Business segments* NBI contribution** Assets contribution** Description Selected largest Polish companies daily banking CIB Coverage via Business Centers Largest companies 6% 2% CIB & Corporates included in unique commercial banking CIB set-up of BNPP Group worldwide Corporates Polish mid-caps, Annual turnover >= PLN 60 m multinationals, public sector, Credit exposure >= PLN 18 m 23% 19% top Polish corporations, Corporates 6 Regional Centers SME Small & Medium Enterprises Commercial companies & Annual turnover < PLN 60 m farmers. 6 SME Regions, 45 SME Credit exposure < PLN 18 m 9% 6% Business Centers on 34 local Retail markets Micro Companies Annual turnover < EUR 2 m Individual Clients, including 49% 38% Wealth Management Clients Individual Clients and microbusiness with agro Individuals incl. Wealth and farmers; 446 branches Management Total: PLN 2.3 bn Total: PLN 124.0 bn * simplified criteria of segmentation ** consolidated data as at the end of H1 2021; other banking activities accounted for
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