Integrated Report 2020

Business model and value creation model


The BNP Paribas Bank Polska Group runs its business based on the following operating segments (the business line's contribution to the Group's banking result is given in %, NBI, for the 12 months of 2020):

  • 102-15

encompasses comprehensive services for individual Clients, including private banking Clients (Wealth Management) and business Clients (microenterprises) – with the largest share in the Group’s banking activity 47.6%

offers a wide range of financial services provided to large and medium-sized enterprises, local government units and entities belonging to international capital groups (with its share in the Group’s banking activity amounting to 23.2%)

includes services for agro and non-agro Customers (with 9.4% share in the Group’s banking activity)

supports the sale of the Group’s products to the largest Polish enterprises and provides services to strategic Customers (6.4% of the Group’s banking activity)

including the Asset and Liability Management Division and Corporate Centre (13.4% share in the Group’s banking activity)

The pillars of operations for the BNP Paribas Group

We are a Bank with over 100 years of tradition/history on the Polish market. Being a member of the BNP Paribas global financial enables us to use the best international practices to meet the needs of the local market and expectations of the Bank’s Customers.

The Group offers its Customers a full range of financial products and services provided by the Bank and the Group companies (including investment funds, leasing). We also provide Customers with direct access to the offer of BNP Paribas Group entities operating in Poland (e.g. factoring, leasing, insurance).

As the Bank close to the Customer, we provide services through a network of Bank branches. We are constantly developing and transforming our branches, paying particular attention to accessibility and openness to the needs of various groups of Customers, including the elderly and people with disabilities.

Our credit products are also available through points in affiliated stores as well as through selected car dealer networks.

Considering technological challenges, we are constantly developing our products and digital service channels: mobile and online banking and new forms of communication using technology.

We constantly analyse and take into account regulatory and economic aspects, as well as the dynamic development of digitalisation and social and climate changes, which affect the national and global economies. We respond to civilisation challenges by developing and adapting our offer to the changing environment and needs of our Clients. We continue our organizational transformation efforts to strengthen the Bank’s market position. We are strengthening the digital competences of our employees and accelerating the digitalization of internal processes to respond to the rapidly changing market environment.

Culture of compliance and careful risk management is the pillar of our business activity in order to provide top quality services to our Customers. The Bank has a risk management system, has implemented and applies appropriate policies and procedures to manage and monitor risks. One of the key elements of this system is the ESG risk management, including climate risk. The Group undertakes strategic activities to combat climate change. To reach this target, climate risks have been defined and opportunities identified in the short, medium and long term.

In a changing world - by securing financial needs, providing professional services and innovative solutions, we support Clients in sustainable development, build professional development and employee engagement, generate increased shareholder value and benefits for the economy and local communities.


How do we create value?

Financial capital is the financial value of the Bank and the Capital Group. It comprises funds acquired from Customers, shareholders, and profits generated by the Bank and companies belonging to BNP Paribas Bank Polska S.A. Capital Group. As a company listed on the Warsaw Stock Exchange, we aim at a steady growth of shareholder value while respecting the principles of sustainable development.

Human and intellectual capital of the Bank and BNP Paribas Bank Polska SA Capital Group are the employees. Thanks to their knowledge, competence and commitment we provide top quality financial services and ensure professional Customer service based on stable relations. We create innovative products and services to respond to Customers’ current and future needs that affect our market position.

Operating capital creates value for stakeholders thanks to the activity of BNP Paribas Bank Polska SA Group, which consists of BNP Paribas Bank Polska SA as the parent entity and seven subsidiaries. The operating capital is based on resources and developed infrastructure. We continuously work on development and improvement of the service quality through the branch network, Contact Centre and digital channels. We pay particular attention to increasing the availability of products and services for Customers representing groups at risk of social exclusion. At the same time we care for our employees and stakeholders, and minimise the negative impact of our operations on the natural environment.

Social capital means relations with stakeholders in our environment: Customers, employees, business and institutional partners, local communities and community organizations. As a public trust institution, being part of the socio-economic ecosystem, we are aware of the impact we have on society and our environment. We initiate actions aimed at positive changes in local communities – we support equal opportunities and counteract social exclusion. We develop our offer of responsible products and services with a positive impact, following the principle of sustainable development.

Environmental capital is our contribution to combating climate change and supporting energy transition. As a responsible financial institution we offer our Clients environmentally friendly products and services to support the transition to a low-carbon economy that respects the environment. In our day-to-day operations, we make every effort to limit the environmental impact of our activities by implementing eco-efficiency measures. We promote responsible and pro-environmental attitudes among our employees, Customers and the environment, and work to raise awareness about climate change.

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