Integrated Report 2020

Green products and services and funding programmes

Our key commitment to environmental responsibility is to support Customers in the energy transition and thus to develop environmentally friendly products and services. BNP Paribas Bank Polska S.A. continues to develop its offer of products and services that help Customers in the transition to a low-carbon economy and in the development of their sustainable and green investments.

BNP Paribas Bank Polska S.A. has a long tradition of financing green investments. Since 2008 we have been financing small and medium-sized renewable energy sources (RES) projects: wind farms, agricultural biogas plants, small hydro plants and photovoltaic installations. One of the first major initiatives in this area was an agreement with the EBRD for a Sustainable Energy Financing Program in Poland, concluded in 2011. The real acceleration in this area, however, came in 2018-20, when the Bank significantly expanded its own know-how, gained amongst others by hiring engineers to support the Bank’s Clients in their energy transition.

The team of experts in Energy Transformation, Renewable Energy Sources and Agro supports Clients who plan pro-ecological undertakings that promote sustainable economic system and energy transformation of the Polish economy.

In 2020, we offered numerous environmentally friendly products and services as well as sustainability financing programs.

Investments in renewable energy

Thanks to the cooperation of BNP Paribas Bank Polska S.A. experts with BNP Paribas Energy, Infrastructure and Natural Resources from CIB in Brussels and Paris, at the turn of 2019 and 2020 we launched the financing of the „Perfect Wind” project developed by Akuo. The credit facilities included in the „project finance” formula are designed to finance the construction of a 132 MW wind farm. The project is one of the first large projects financed under the new renewable energy support system in Poland.

BNP Paribas Bank Polska acts as a Lender, Credit Agent and Collateral Agent. In addition, the Global Markets team arranged and executed transactions hedging the interest rate risk and currency risk of this project.

In May 2020. BNP Paribas Bank Polska S.A. has signed loan agreements with subsidiaries of independent power producer Qair Polska and its partners. The „project finance” syndicated financing of approximately PLN 630 million will help to finance existing and newly built wind and photovoltaic farms. The investment is co-financed by the European Bank for Reconstruction and Development (EBRD). Within the consortium with EBRD, BNP Paribas Bank Polska S.A. is co-financing five Polish special purpose vehicles owned by two experienced sponsors – French renewable energy producer and operator – Qair, and French infrastructure fund – RGreen Invest. The portfolio includes the construction of three wind farms with a total capacity of 68MW, as well as the refinancing of the acquisition of already operating wind farms with a total capacity of 106MW. In addition, the Bank will independently finance investments in three photovoltaic farms with a total capacity of 25MW. Qair is an independent power producer with 220 MW of assets – exclusively from renewable sources. The Group’s projects under financing and construction have a capacity of 780MW, with a further 3GW of assets under development with future potential.

More informations HERE.

In 2020, we supported the process of issuing Cyfrowy Polsat Green Bonds, which is the first non-financial sector company to issue such securities in the Polish market. The Bank acted as co-organiser and joint bookrunner of the bond issue. The issue received a certificate of compliance with Green Bond Principles 2018, certified by the expert firm Sustainalytics.

More informations HERE.

BNP Paribas Bank Polska S.A. has taken part, with a participation of EUR 27.5 million, in financing the acquisition of the Equal Business Park office complex by Ares / Apollo Rida. The complex, comprising of four buildings offering in total over 60,000 sqm of class A office space, is located in Krakow. Each building is technologically advanced and ecologically constructed, and has a BREEAM Green Building certificate (at the Very Good level). The campus is organized in such a way as to meet a number of green building requirements. Moreover it is located close to a park and is bicycle friendly. It is also easily accessible by public transport due to its proximity to the city’s main arteries, tram stops and railroad station.

Offer for individual Customers

Instalment loan to finance green energy sources

Since 2017, we have been offering individual Customers the opportunity to finance the purchase and installation of photovoltaic installations and other sources of renewable energy, including water heaters, heat pumps, recuperators and home wind turbines, with an instalment loan.

The current loan offer allows to finance up to 100% of the photovoltaic installation value, even up to the amount of PLN 80 thousand, with a repayment period of up to 144 months. In 2020, the offer was available at more than 420 of the Bank’s partners – market-leading entities involved in the sale and installation of photovoltaic installations.

Key figures:



home photovoltaic installations have been created since 2017 - thanks to our offer 



photovoltaic installations have been built in 2020 


493 PLN mln

total funding since 2017 


230 PLN mln

funding granted in 2020 

More product information HERE.

Green Mortgage

In September 2020. BNP Paribas Bank Polska S.A. has launched an offer of the so-called Green Mortgage. It is addressed to Customers who apply for a mortgage to finance energy-efficient real estate. Within the Green Mortgage offer Customers may count on 0.1% margin reduction if they meet the following conditions:

  • they possess / will possess an environmental certificate, e.g. BREEAM / Green House,
  • they possess / will possess an energy performance certificate confirming the value of annual demand for non-renewable primary energy EP not exceeding 50 kWh/(m2*year).

Thanks to the Bank’s cooperation with Yareal (development company), the Customers of both companies can obtain financing for the purchase of an environmentally-friendly apartment with the BREAM certificate at a reduced price and with minimum formalities.

BNP Paribas Bank Polska S.A. has also entered into partnership with the Polish Green Building Council (PLGBC), the issuer of the Green Home certificate. Under the Green Home and Green Mortgage programs, the partners cooperate to develop and promote sustainable housing in Poland. The Green Home certificate is recognised by the Bank when granting a loan with a reduced margin.

More information about the Green Mortgage can be found HERE.

For those interested in a mortgage loan, BNP Paribas Bank Polska S.A. has prepared a Mortgage Loan Online portal. At this address, potential Customers can initially verify their creditworthiness, check which documents are necessary to apply for a mortgage loan, provide the Bank with information on a loan and real estate, and leave a request for a contact with a Bank employee.

Long-term lease of equipment – plans for 2021

A new product of BNP Paribas Bank Polska S.A., developed in cooperation with BNP Group Service Center, concerns long-term lease of equipment. It has been inspired by the latest trends and the changing attitude of consumers. The product based on the idea of closed-loop economy will be made available to Customers in the first half of 2021.

The concept of the service is to provide the Customers, in addition to traditional proposals such as interest-free instalment loan, with the option of long-term lease of the latest smartphone models (Samsung and Apple). With this approach, the Customer does not have to pay a large amount at one time – he pays a monthly instalment only during the period when he leases the phone. In addition, you can choose the protection of the phone: insurance and servicing, so you do not have to worry about anything. This is a significant advantage of this product over the 0% instalments or subscription contract with the telecommunications operator. In case of theft, malfunction or damage to the phone, the Customer can take advantage of additional services, which are an integral part of the product.

The Customer will be able to choose one out of two contract options:

  • 24-month contract, higher buyout amount, possibility of exchanging the phone for a new model between the 18th and 22nd month of the contract;
  • 30-month contract, lower buyout amount, possibility of exchanging the phone for a new model between the 18th and 24th month of the contract.

The possibility of exchanging the phone for a new model during the contract term is the most valuable service opportunity for the Customer. In case of using the option, the Customer does not have to worry about selling the phone. It goes to the partner who renews the phone and sells it on the secondary market. At the end of the contract, the Customer returns the device or buys it. Some of the phones returned by Customers will be refurbished and then given to social partners cooperating with the Bank and the BNP Paribas Foundation.

Green investment products

We support investment solutions designed not only to meet the investment objective, but also in a socially responsible and environmentally friendly way.

As the Bank of Green Changes, we took part in a campaign aimed at planting 1 tree for every EUR 1,000 invested in socially responsible investments (related to the issuance of structured certificates: Environmentally Friendly Companies, Environmentally Friendly Companies II, Climate Investment, Climate Investment II).

By promoting the investments, we encouraged people to participate in the reclamation of the forested part of the area destroyed during the 2017 tornado in the Greater Poland Voivodeship. Thanks to the initiative, more than 14,000 trees of various species were planted in Lipusz in 2020.

Offer for Food & Agro sector Customers

Farmers from the micro sector can become independent from electricity prices by investing in technology to convert sunlight into electricity. An average photovoltaic installation means 4 tons less of carbon dioxide emitted into the atmosphere annually. Farmers can take advantage of the offer to finance the purchase and installation of photovoltaic installations under:

More information about the product can be found HERE.


Farmers and entrepreneurs can insure their photovoltaic installations, solar collectors and heat pumps under the following products offered by BNP Paribas Bank Polska S.A.:

  • Concordia Agro (for farmers),
  • Concordia Company (for businesses).

The insurance was prepared by an insurance company Concordia Polska Towarzystwo Ubezpieczeń S.A. The Bank acts as an agent in the sale of the product as Concordia’s Insurance Agent.

Offer for housing communities

Investment loan with BGK bonus for thermo-modernization of real estate

The loan was created in cooperation between BNP Paribas Bank Polska S.A. and Bank Gospodarstwa Krajowego as part of the “BGK Loan with a Bonus” program. It is aimed at housing communities intending to improve the energy class of multi-family residential buildings.

More information can be found HERE.

ECO-COMMUNITY at a profit program

EKO-COMMUNITY at a profit is a program for financing energy efficiency in multi-family residential buildings. Under the program, housing communities may receive a grant (of 90%) for the costs associated with the preparation of technical documentation related to the investment of thermo-modernization of buildings, including energy audits. Additionally, the housing communities can benefit from the assistance of energy transformation specialists whose role is to support the communities in improving the energy efficiency of multi-family buildings. These are important tools for communities to decide on the implementation of investments in thermo-modernization of multi-family buildings or RES installations integrated with the buildings. The financing is made possible thanks to an agreement signed by the Bank with the European Investment Bank on the Bank’s participation in the ELENA (European Local Energy Assistance) initiative under the European Union’s Horizon 2020 program.

More information can be found HERE.

Offer for businesses

The Green Energy investment loan is designed to support investments in renewable energy sources. It is designed to finance the construction of wind power plants, hydroelectric power plants, photovoltaic power plants and systems to produce electricity or heat from biomass or biogas. The loan can be used by entities operating or commencing business activity in the production of energy from renewable sources. One of the conditions for obtaining the loan is presentation of a promise of a concession to produce energy from renewable sources issued by the President of the Energy Regulatory Office (if required by law).

More information can be found HERE.

It is intended for small and medium-sized enterprises wishing to implement new own or acquired technologies aimed at bringing innovative products, including having a positive impact on the environment, to the market. As part of this initiative, implemented in cooperation with the Bank of the National Farm, companies can receive a non-refundable technological bonus, which pays off part of the loan capital, which is an incentive to implement innovative investments.

More information can be found HERE.

The BiznesMax guarantee is a free-of-charge form of loan repayment security offered by BNP Paribas Bank Polska S.A. under the agreement signed with Bank Gospodarstwa Krajowego under the Guarantee Fund for the support of innovative enterprises under the „Intelligent Development” Operational Programme. Obtaining the guarantee means also an opportunity to receive a subsidy to the interest rate of the loan covered by the guarantee. The biznesmax guarantee makes it possible to secure loans aimed at financing pro-ecological investments.

More information can be found HERE.

The Unia+ Loan is a product intended for projects co-financed with EU funds. EU grants are disbursed mainly upon project completion, therefore in order to carry out the intended investments it is necessary to have sufficient funds to finance the project in advance, which can be obtained thanks to the offer of the Unia+ Loan. The product has been developed based on the Bank’s experience gained since the pre-accession funds. BNP Paribas Bank Polska S.A. is the leader in financing EU investments in the agribusiness sector, and additionally has a significant share in financing projects with subsidies in the non-agro sector.

The Union+ Loan does not only mean financing. With the support of experts who deal with the subject of EU funds at the Bank, our advisors are ready to provide you with consultations at every stage of the application process or implementation of a subsidized project.

More information can be found HERE.

EKO-COMPANY at a profit is a financing program for energy efficiency in commercial buildings. Under the program, the Bank offers companies the service of preparing energy audits and expert opinions as well as additional technical documentation related to the investment in energy efficiency of commercial buildings. An entrepreneur interested in such a service will be able to obtain co-financing of 90% of the net cost of the service, which is provided under the ELENA initiative – an EU Horizon 2020 program. The service provided by the Bank is an important tool for the Customer to make a decision on implementing an investment aimed at achieving energy savings. In addition, entrepreneurs can benefit from the assistance of energy transformation specialists, whose role is to support businesses in improving the energy efficiency of their buildings. The service is dedicated to companies that meet the criteria of small and medium enterprises according to the EU definition or the definition of a Mid-Cap Entrepreneur (employment on the level below 3,000 employees across the group).

More information can be found HERE.

Companies which want to invest in a photovoltaic installation can finance such a project through a finance lease or an operating lease.

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