THE CSR & SUSTAINABILITY REPORT FOR THE YEAR 2019 Presenting non-financial information of BNP Paribas Bank Polska S.A. and BNP Paribas Bank Polska S.A. Capital Group THE CSR & SUSTAINABILITY REPORT OF BNP PARIBAS BANK POLSKA S.A. FOR THE YEAR 2019. „WE AER THE BANK OF GREEN CHANGES” TABLE OF CONTENTS LETTER OF THE PRESIDENT OF THE MANAGEMENT BOARD ................................................................................................................................................................ 3 LETTER OF CHAIRMAN OF THE SUPERVISORY BOARD ......................................................................................................................................................................... 5 CHAPTER 1. ABOUT THE BANK BNP PARIBAS ....................................................................................................................................................................................... 7 1.1. THE BANK FOR A CHANGING WORLD ............................................................................................................................................................................................................................................ 7 1.2. TRANSFORMATION AND INTEGRATION ......................................................................................................................................................................................................................................18 1.3. FINANCIAL RESULTS AND MAIN EFFICIENCY RATIOS ............................................................................................................................................................................................................ 22 1.4. ORGANIZATIONAL GOVERNANCE AND ETHICS ........................................................................................................................................................................................................................ 23 1.5. RESPONSIBLE BUSINESS PRIORITIES CSR AS THE PILLAR OF FUNCTIONING .................................................................................................................................................................. 28 1.6. STAKEHOLDERS AND PARTNERSHIPS ....................................................................................................................................................................................................................................... 35 1.7. AWARDS AND DISTINCTIONS ...................................................................................................................................................................................................................................................... 37 CHAPTER 2. ECONOMIC RESPONSIBILITY ............................................................................................................................................................................................ 38 2.1. RESPONSIBLE FINANCING ............................................................................................................................................................................................................................................................ 40 2.2. TRANSPARENCY AND DIALOGUE WITH CLIENTS .................................................................................................................................................................................................................... 46 2.3. SUPPORTING CLIENT DEVELOPMENT ......................................................................................................................................................................................................................................... 51 2.4. FOOD & AGRO DEVELOPMENT ..................................................................................................................................................................................................................................................... 52 2.5. INITIATIVES FOR INNOVATION .................................................................................................................................................................................................................................................... 56 CHAPTER 3. RESPONSIBILITY IN THE WORKPLACE .......................................................................................................................................................................... 60 3.1. HR MANAGEMENT .......................................................................................................................................................................................................................................................................... 62 3.2. EMPLOYMENT DATA ...................................................................................................................................................................................................................................................................... 69 3.3. DIVERSITY MANAGEMENT ........................................................................................................................................................................................................................................................... 75 3.4. DEVELOPMENT AND TRAINING ................................................................................................................................................................................................................................................... 78 3.5. EMPLOYER BRANDING .................................................................................................................................................................................................................................................................. 80 CHAPTER 4. SOCIAL RESPONSIBILITY .................................................................................................................................................................................................. 84 4.1. AVAILABILITY OF PRODUCTS AND SERVICES ........................................................................................................................................................................................................................... 86 4.2. INITIATIVES FOR LOCAL COMMUNITIES.................................................................................................................................................................................................................................... 89 4.3. STRENGTHENING THE ROLE OF WOMEN .................................................................................................................................................................................................................................... 91 4.4. BNP PARIBAS FOUNDATION IN POLAND .................................................................................................................................................................................................................................. 92 4.5. VOLUNTEERING AND SOCIAL COMMITMENT ........................................................................................................................................................................................................................... 94 4.6. COUNTERACTING SOCIAL EXCLUSION ...................................................................................................................................................................................................................................... 98 4.7. IMPORTANT SOCIAL TOPICS IN MARKETING COMMUNICATION ....................................................................................................................................................................................... 101 4.8. SPONSORSHIP INITIATIVES ...................................................................................................................................................................................................................................................... 106 CHAPTER 5. ENVIRONMENTAL RESPONSIBILITY ............................................................................................................................................................................ 109 5.1. SUPPORTING ENERGY TRANSFORMATION ............................................................................................................................................................................................................................... 111 5.2. PROMOTION OF ECO-ATTITUDES ............................................................................................................................................................................................................................................... 114 5.3. LIMITING THE ADVERSE EFFECTS OF OPERATIONS ON THE ENVIRONMENT .................................................................................................................................................................... 117 CHAPTER 6. .................................................................................................................................................................................................................................................