Integrated Report 2020

Managing the organization’s environmental impact

As the Bank of Green Changes, we strive to minimize the environmental impact of our operations.

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Our priorities are:

reduction of resource consumption and CO2 emissions

the use of energy from renewable sources in the total consumption

developing the Bank's eco-fleet

implementation of new eco-efficiency measures in the workplace

Companies belonging to the BNP Paribas Bank Polska S.A. Group focus in their activity on the respect for natural environment and implement their own policies and good practices regarding minimisation of the consumption of natural resources. They are bound by the BNP Paribas Group Code of Conduct which includes, among others, general guidelines on environmental protection. Monitoring of environmental indicators is performed at the BNP Paribas Group level.

Most of the companies of the BNP Paribas Bank Polska S.A. Capital Group that conduct operational activities are sub-tenants of space in the Bank’s headquarters:

  • BNP Paribas Leasing Services Sp. z o.o. in January 2021 moved from the Bank’s headquarters at ul. Suwak 3 in Warsaw to the headquarters at ul. Grzybowska 78 (Prime building).
  • BNP Paribas Group Service Center S.A. in January 2021 moved from the Bank’s headquarters at ul. Suwak 3 in Warsaw to the headquarters at ul. Grzybowska 78 (Prime building).
  • BNP Paribas Towarzystwo Funduszy Inwestycyjnych at the headquarters at ul. Twarda 18 in Warsaw (Spektrum Tower).
  • In January 2021, BNP Paribas Solutions Sp. z o.o. moved from the Bank’s headquarters at ul. Grzybowska 78 in Warsaw (Prime building) to the headquarters at ul. Kasprzaka 2 (Petrus building).
  • BNP Paribas Financial Services Sp. z o.o. at the Bank’s headquarters at ul. Grzybowska 78 in Warsaw (Prime building).

They implement good practices regarding minimisation of resource consumption in force at BNP Paribas Bank Polska S.A. based at ul. Kasprzaka 2, Warsaw.

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Petrus – new headquarter in Warsaw

In 2020, we started moving our headquarters to a new office space in a modern LIXA complex of office buildings. "Petrus" is a building located in Warsaw's Wola district, right next to the capital's key transportation hub - the Rondo Daszyńskiego metro station. The new building has a BREEAM certificate on the Excellent level and many pro-ecological solutions. Green terraces and a patio are not only a place of rest for the employees, but also a home for bees, which previously lived on the roof of the previous headquarters. "Apiary under the stars" is the Bank's contribution to the sustainable urban ecosystem. An air quality sensor has also been installed on the building so that our employees and all users of the Airly platform can monitor the air quality around the building. Cyclists have been provided with showers and bicycle parking adapted to their needs. The Petrus headquarters is also equipped with a charging station for electric cars. The building space has been designed to implement further initiatives to reduce the printing and storage of paper documents. The installation systems are designed in a way which guarantees reduction of electric energy and water consumption. These are just some of the pro-ecological solutions implemented in Petrus as part of the Bank's commitment to environmental responsibility.

Campus Leszno Sp. z o.o. company operating under the marketing name: “Pałac pod Kampinosem” („the Palace near Kampinos Forest”) is located in Leszno at 1 Fabryczna street.

To counteract its negative environmental impact, the Company continued its plastic exit process, which began in 2019. At the Company’s facility, drinks and juices are served in reusable vessels: pitchers, carafes and glass diffusers. The Company has completely abandoned the purchase of water in plastic bottles and replaced it with dispensers – all Company employees as well as guests of the facility have unlimited access to filtered drinking water. The Company has also reduced the use of plastic in ordered promotional and advertising materials and office supplies. The facility segregates waste, and employees and guests are educated on the responsible use of resources. The company also collects used batteries and toners, which are being handed over to recycling companies. The Company, due to its service and catering activities, out of concern for the safety of Customers during the pandemic, has decided to temporarily use disposable accessories only to the extent necessary to conduct business.

Sustainable resource consumption and eco-improvements

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  • TCFD Metrics and Targets Disclosure A

Minimizing plastic consumption

BNP Paribas Bank Polska S.A. is successively eliminating the use of plastic in its operations since 2019. The possibility of ordering disposable accessories and drinks in plastic bottles has been withdrawn from eCommerce platforms. Head offices, business centers and branches have been equipped with water dispensers, carafes and glasses. Minimization of plastic consumption can also be felt in canteens in the Bank’s headquarters: plastic cutlery and packaging have been replaced with ecological and compostable ones. During the COVID-19 pandemic, the promotion of coming for meals with one’s own containers was temporarily stopped for the safety of employees and Clients.

The waste composting program continued in the canteen at the Bank’s headquarters in Warsaw in the new Petrus building at 2 Kasprzaka Street. The compost produced fertilizes the surrounding lawns. In addition, employees can take it home to nourish their plants. The organization plans to expand the composting program in 2021 at other headquarters.

We make every effort to ensure that the products available in the wending machines at the Bank’s headquarters are packaged in environmentally friendly packaging, such as glass bottles.

In 2020, we will improve the process of archiving documents in the Bank. We have implemented new policies regarding the use of plastic document sleeves.

We separate waste at our facilities into fractions in accordance with the law and the regulations of local municipalities.

The Bank promotes and produces sustainable marketing gadgets: reusable lunchboxes, bottles and eco-bags. Outdated promotional materials are given a second life or donated to community organizations. Marketing materials such as roll-ups are recycled into useful accessories such as bags and backpacks.

We are also committed to using eco-friendly alternatives to plastic sheeting for our branch windows, which is free of PVC and other environmentally harmful chemicals. The ecological film we use is collected from our branches and processed into granulate that can be reused in the production of all polypropylene materials, such as water pipes and tanks, medical accessories (e.g. syringes), carpets and linings, all kinds of housings and cable insulation, car parts (e.g. bumpers) and toys.

For several years, furniture and equipment left over from facility closings or renovations has been donated to community organizations, schools and hospitals. In 2020, the furniture and equipment remaining after the Bank moved to a new location was made available for employees to buy. Each employee could, for a symbolic one złoty (1PLN), buy the furniture which gained a second life and furnished their home offices. Additionally, the remaining pieces of equipment were donated to community organizations, including the Habitat for Humanity Foundation, which runs a charity store „ReStore” at 12 Łojewska Street in Warsaw’s Bródno district. It is a non-profit store with furniture and interior decoration and finishing materials received in the form of donations and available at very attractive prices. Profits generated from sales are allocated to the Habitat for Humanity Poland Foundation to meet its statutory goals. The ReStore is a unique project promoting charitable, ecological and creative attitudes, bringing generations together and integrating the local community.

Reduction of paper consumption

We are an innovative Bank. Our goal is to focus on the Customer, which involves simplifying and digitizing our processes. Being Customer-friendly also translates into responsibility to the environment. We implement numerous initiatives to minimize paper consumption. We promote e-correspondence among the Customers of all segments.

Starting in 2019, flyers and other advertising materials are printed on certified 100% recycled paper. This way, we save resources and protect the planet from deforestation. In addition, we have discontinued the display of flyers and other printed materials in the transformed branches. In 161 branches of our retail network, all marketing information is available only in a digitalized version – on tablets.

In the buildings of the central Bank we use eco-paper with a reduced weight. We encourage our employees and Customers to use documents electronically and print materials only when necessary. In order to reduce paper consumption, we implement rules on the electronic distribution of correspondence and work on electronic documents stored on network resources. Follow Me Printing is available in the buildings of the Bank’s headquarters.

In 2020, we made the decision that from the beginning of 2021, bulk mail sent to our Clients will be delivered on 100% recycled certified paper with certificates including FSC, EcoLabel and Blue Angel.

In 2019, thanks to the implementation of the new E-delegacje tool, we have completely eliminated paper and printed delegation requests. The process was digitised and new functionalities streamlined the work and displaced paper forms. In 2020, we developed paperless initiatives by, among other things, implementing other Bank applications to facilitate paperless work.

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  • 260.3 t – purchase of paper for printing equipment at BNP Paribas Bank Polska S.A. in 2020*
  • 14% – reduction in paper purchases during the reporting period for 2020 as compared to 2019.

*Data covers the reporting period from 01.10.2019 to 30.09.2020 to ensure consistency in the scope of data reporting locally and within the BNP Paribas Group.

Autenti

In 2020, together with two other Banks and VC funds, BNP Paribas Bank Polska S.A. announced an investment in Polish fintech Autenti offering a platform for electronic contract signing and digital document workflow. According to forecasts, in 2023 the global market for electronic signatures will be worth $5.5 billion. A joint investment of the three Banks, which represent approx. 30% of the assets of the Polish banking sector, is yet another proof that partnership in the Polish banking sector is possible and that it can contribute to the development of key solutions that are beneficial to the economy, the environment and the Customers.

Autenti is a Polish company that started its operations in 2014. It offers solutions to sign any document online, on any device with internet access. Fast, convenient, secure and in compliance with the law. Since its market debut, the company has acquired more than 1,200 business Customers and has already sent e-signature documents to more than a million Polish people.

Within twelve months, e-signature was implemented in subsequent areas of the Bank's operations, which resulted in over 290,879 documents signed without using paper in all areas of the organization. Upon the order of BNP Paribas Bank Polska S.A., Autenti issued 420 qualified signatures with remote identity verification and 80 signatures in a traditional method.

When making our investment decision, we were guided by the idea that Autenti has a chance to become a universal platform for electronic document signing. Very quickly it turned out that thanks to the platform it became much easier to work remotely and to offer services to Customers while maintaining the principles of social distancing. We electronically signed, among others, documents from the Management Board meetings, contracts with our contractors, product documents with corporate Clients or internal credit risk documents. Circulation of documents became much faster and easier, especially when working remotely.

Since April 2020, the platform can be used by both the Bank's Clients and employees sending documents as part of internal procedures. The e-signature is used in the process of remote account opening by individual Customers and when granting instalment loans and credit cards. The improvement is also used in the process of opening an account in the Bank's branches. The documents are not printed, but signed electronically using a smartphone. In May 2020, thanks to the electronic signature, BNP Paribas Bank Polska S.A. improved the process of concluding lease agreements at car dealerships. In the same month, entrepreneurs also gained access to e-signature. Soon afterwards, the technology was also used in the branches. Bank's Customers only need a smartphone to confirm deposits and cash withdrawals. They can also sign contracts without using paper. Such a solution is not only more convenient, but also environmentally friendly. Additionally, it relieves the advisor from several additional activities, which allows to devote more time to the Client. Autenti can also be used by Clients of Wealth Management, SMEs and Corpo Centers. The Bank more and more extensively uses e-signatures in internal operations (i.e. Management Office, Investor Relations Office, Finance, BNP Paribas Foundation, HR, Operations, Collections, Risk and Procurement. Using short-term qualified signatures issued by Autenti, B2B contracts with contractors are signed remotely.

In 2021, we intend to further develop our cooperation with Autenti and implement the e-signature solutions in more business areas.

over 

290K

paperless documents in all areas of the organization 

 

420

qualified signatures with remote identity verification issued by Autenti on behalf of the Bank 

In 2020, BNP Paribas Bank Polska S.A. in cooperation with the auditing firm KPMG conducted an analysis of the environmental impact of paperless initiatives.

According to the Report, paperless initiatives saved approximately 880,000 sheets of paper (1,800 reams) in 2020. These actions translate into avoiding the emission of 3.6 tons of carbon dioxide. This corresponds to the volume of almost 1 hot air balloon or 22 trucks.

Since the launch of the paperless initiative for digitalization of Customer documentation, i.e. since 2018, a total of nearly 1.4 million sheets of paper has been saved at BNP Paribas Bank Polska S.A., which translates into approximately 2.8 thousand reams of A4 paper. It was estimated that paper savings in 2018-2020 at this level avoided generating as much as 5.7t of CO2 and consuming 155m3 of water. It would take almost 11 months for 1ha of forest of „mature” deciduous trees to absorb this amount of CO2.

Water consumption

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In our offices, we implement solutions which reduce water usage. The used plumbing devices are equipped with mechanisms reducing water consumption by several times, e.g. aerators and motion sensors. Used equipment gives possibility to use ecological dish-washing programs.

  • In 2020. BNP Paribas Bank Polska S.A. Group used 59,754m³ of water.
  • BNP Paribas Bank Polska S.A. used 57,642 m³ of water.
  • A significant decrease in water consumption was observed in 2020. (by 21,468 m³ of water at the BNP Paribas Bank Polska S.A. Group level) as compared to the previous reporting period. This is due to the transition of employees to the remote work mode caused by the pandemic.

In 2020, there was a change (shift) in the reporting period of water consumption data. BNP Paribas Bank Polska S.A. has adopted reporting deadlines in line with those used by the global BNP Paribas Group. Water consumption data cover the period from 1 November 2019 to 31 October 2020.

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In 2020, no penalties or non-financial sanctions for non-compliance with environmental laws and regulations were imposed on the Bank or BNP Paribas Bank Polska Group.

Electromobility initiatives

As part of our environmental responsibility, we reduce emissions of harmful substances into the environment. For this purpose, for several years we have been introducing hybrid cars to our fleet. We also own electric cars, which are at the disposal of our employees while moving around Warsaw.

In 2020, we have nearly doubled the number of hybrid cars owned. After the finalization of the plan implemented in 2020, they account for more than 70% of Class B cars used by the Bank’s retail branches. The state of the fleet as of 31.12.2020 is 1,450 cars. Currently, our fleet includes 2 fully electric cars and 174 hybrid cars. In the light of the prospect of integrating electric cars or plug-in hybrids into the fleet, and also for our Clients, in 2020 we have equipped our Warsaw headquarters (Prime and Petrus buildings) with six electric chargers enabling simultaneous charging of 16 cars. There are plans to install additional stations in the headquarters in Cracow and Ruda Śląska

In 2020, we implemented a new business travel policy. Its goal is to encourage employees to reduce business travel, resulting in reduced greenhouse gas emissions. Employees are encouraged to:

  • use online meeting options instead of organizing business trips
  • choice of green means of transport, e.g. railways,
  • sharing of company cars,
  • non-printing of tickets.
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Business trips at BNP Paribas Bank Polska S.A. in 2020

Type of means of transport distance [km] in 2019 distance [km] in 2020
Company cars 29,355,508 24,781,987
Private cars 1,067,098 1,430,481
Aircraft 2,605,895 828,292
Train 5,751,479 2,438,597

The service introduced in 2018 and dedicated to employees of selected branches of the sales network, where it acts as an equivalent of a company car. The positive experience of the service of renting a car by the hour or even by the minute, while maintaining mobility and safety, resulted in the expansion of the service nationwide.

Thanks to the program, we contribute to the traffic volume during rush hours – one carsharing car can replace 8 to 20 private cars. In addition, the optimal dimensions of cars facilitate parking in urban spaces, and the most modern engines allow for dynamic driving while maintaining low fuel consumption and CO2 emissions.

In 2020, carsharing employees drove a total of more than 116,000 km.

The promotion of bicycles as an environmentally friendly means of transport for the daily commute to work is already a regular feature of the Bank’s promotion of eco-transportation. At the headquarters, employees have access to secure bicycle parking and showers. We have also provided our employees and Customers with access to bicycle racks in front of most of our branches.

At the Bank, as part of saving resources and respecting the environment, we are also promoting responsible business travel planning, the availability of teleconferencing and videoconferencing, and reducing training trips by providing e-learning training.

Energy efficiency and emissions management

We support low-carbon measures because they not only have measurable environmental effects, but also provide new impulse for economic development and are an important part of our mission.

100% electricity from renewable sources

In 2020, we signed an agreement with Respect Energy (formerly TRMEW Obrót) to purchase energy for 2021-2022. Under the agreement, 100% of the electricity purchased directly by the Bank from 2021 onwards will come from renewable sources, mostly from hydroelectric power plants. This will enable the Bank to make a significant contribution to reducing carbon dioxide emissions into the atmosphere, as well as lowering emissions of sulphur dioxide, nitrogen oxides and particulate matter.

Respect Energy is the only supplier of green energy in Poland. It is a company with Polish capital. It cooperates with a group of over 400 green producers. It operates in 21 markets.

In 2020, the Bank purchased guarantees of origin of energy from renewable sources, covering 100% of energy consumed by the BNP Paribas Bank Polska Group.

Respect Energy is the only Polish energy supplier offering electricity coming exclusively from renewable sources. We can see that our business philosophy is more and more often enthusiastically received by our Customers. They want to use clean green energy and contribute to the improvement of the natural environment and the fight against the climate change. We are glad that in 2020, such an important financial institution as BNP Paribas Bank Polska S.A. joined the group of our Customers.

Sebastian Jabłoński Chairman of the Board of Respect Energy S.A.

Photovoltaic installations in the locations of our business

In December 2020. BNP Paribas Bank Polska S.A. finalised the tender procedure for the selection of a contractor to install a photovoltaic system in the Headquarters located in Ruda Śląska. The project implementation and completion is scheduled for the second quarter of 2021. Estimated annual energy production amounts to 83 MWh, which constitutes 60-70 percent of energy demand of this location.
Additionally, in 2021 it is planned to analyse the possibility of launching photovoltaic installations in three to five branches of BNP Paribas Bank Polska S.A.

Energy consumption

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2019 2020
Type of Energy MWh GJ MWh GJ
Purchased thermal energy, including: 53,547 37,170
heat from RES (geothermal) 75 62
Electricity purchased, including: 27,295 98,262 22,651 81,543
electricity from RES confirmed by guarantees of origin 16,620 59,832 22,651 81,543
Total 151,809 118,713

2019 2020
Type of Energy MWh GJ MWh GJ
Purchased thermal energy, including: 54,025 37,509
heat from RES 75 62
Electricity purchased, including: 27,601 99,364 22,878 82,362
electricity from RES confirmed by guarantees of origin 16,620 59,832 22,878 82,362
Total 153,389 119,871

2019 2020
Fuel type Consumption [GJ] Consumption [GJ]
Petrol 1,462,147 litres 48,904 1,257,185 litres 42 048
Gas 594,173 m3 21,759 482,130 m3 17 656
Diesel 537,374 litres 19,410 468,399 litres 16 919
Heating oil 24,383 litres 791 20,761 litres 673
Total 90,864 77 296

 

  • Fuel consumption by the Bank and BNP Paribas Bank Polska S.A. Capital Group is identical because subsidiaries’ business activity is conducted in premises owned by BNP Paribas Bank Polska S.A. (with the exception of Campus Leszno Sp. z o.o.).
  • Petrol and diesel consumption is only applicable to BNP Paribas Bank Polska S.A.
  • Fuel and energy consumption is monitored in the internal records of companies of the BNP Paribas Bank Polska S.A. Capital Group.
  • The data for 2019 are for a full calendar year (01 January 2019 – 31 December 2019).
  • In 2020, there was a change in the reporting period. BNP Paribas Bank Polska S.A. has adopted reporting deadlines consistent with those applied by the BNP Paribas Group. Data showing energy consumption and emissions cover the period from 1 November 2019 to 31 October 2020.
  • Moving the reporting period forward by two full months allows for comparability of 2019 data, maintaining a 12-month reporting period.
  • Conversion of fuel consumption into energy expressed in GJ was made using the heating values published in the KOBIZE document “Heating Values and CO2 Emission Factors in 2016” for reporting under the Emissions Trading Scheme for 2019 and the analogous document for reporting emissions for 2020.
  • Explanation of adjustments to 2019 data. In the 2019 Annual Report, the item for thermal energy consumption included purchased heat and heat generated by burning natural gas and fuel oil. In this report, these items are shown separately. Previously, indirect coal consumption for electricity and heat production consumed by BNP Paribas Bank Polska Group was also shown, whereas now only direct fuel consumption is reported in line with GRI requirements. The diesel oil consumption was updated by the value related to oil consumed for emergency electricity generation.

Carbon dioxide emissions

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  • TCFD Metrics and Targets Disclosure B

Due to the rapid pace of global warming, the European Union has set a target to reduce greenhouse gas emissions by 60% by 2030, as compared to 1990, and achieving climate neutrality by 2050. Therefore, new regulations are being introduced in the EU, the purpose of which is to persuade enterprises to measure and report to stakeholders (regulators, supervisors, Customers and social environment) about the climate impact and to reduce greenhouse gas emissions.

In 2018, the European Parliament issued a report proposing amendments to the draft of Sustainable Investments Regulation. The report proposes to add information on greenhouse gas (GHG) emissions in three scopes, the so-called scope 1, 2, 3 emissions, to the previously adopted scope of information (defined by the Directive of the European Parliament and of the Council of 26. June 2013 on annual financial statements, consolidated financial statements and related reports of certain types of undertakings).

The results should be presented in relation to the climate objectives of the European Union.

The organization’s carbon footprint includes the total sum of greenhouse gas emissions caused directly or indirectly by the organization

Includes direct emissions from the combustion of fuels at stationary or mobile sources owned or controlled by the organization.

Includes indirect emissions resulting from the consumption of purchased or externally supplied electricity, heat or cooling.

Includes other indirect emissions that arise throughout an organization’s value chain.

Carbon Reduction 2020

In 2017, BNP Paribas Bank Polska S.A. joined the global program of the BNP Paribas Carbon Reduction Group 2020. The BNP Paribas Group's objective was to reduce CO2 emissions per employee by 25% by 2020 as compared to 2012. Thanks to its commitment and joint action, the BNP Paribas Group has already achieved global neutrality in 2017.

Activities carried out by BNP Paribas Bank Polska S.A. in the field of reducing emissions from its operating activities:

  • purchase of energy from renewable sources and purchase of certificates of guarantee of origin,
  • minimizing energy consumption,
  • successive replacement of the cars in the Bank’s fleet with hybrid or electric ones,
  • restricting business travel.
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In 2020, BNP Paribas Bank Polska S.A. was supported by experts from Bureau Veritas in Poland in the process of calculation and development of assumptions for further emission reductions.

GHG emission source emissions [TONNES CO2e]
 2019
emissions [TONNES CO2e]
2020
2020 vs 2019 [%]
Scope 1
Petrol 3,389 2,914 -14,0
Gas 1,206 979 -18,9
Diesel 1,438 1,254 -12,8
Heating oil 61 52 -14,9
Scope 2
Thermal energy 5,160 3,581 -30,6
Electricity
market-based 7,730 0 -100
Scope 3
Business trips
Train 237 90 -61,9
Private car 189 245 +29,7
Aircraft 471 151 -68
Scope 1+2+3
market-based 19,881 9,266 -53,4

 

In addition (under Scope 3), the carbon footprint of paper consumed in 2020 by the Bank in printing equipment at headquarters and branches was 138.4 tons of CO2e.

GHG emission source emissions [TONNES CO2e]
 2019
emissions [TONNES CO2e]
2020
2020 vs 2019 [%]
Scope 1
Petrol 3 389 2 914 -14,0
Gas 1 206 979 -18,9
Diesel 1 438 1 254 -12,8
Heating oil 61 52 -14,9
Scope 2
Thermal energy 5 206 3 614 -30,6
Electricity
market-based 7 952 0 -100
Scope 3*
Business trips
Train 237 90 -61,9
Private car 189 245 +29,7
Aircraft 471 151 -68
Scope 1+2+3
market-based 20 149 9 299 -53,8
*Emissions from the combustion of petrol and diesel fuel by the car fleet and emissions from business trips refer only to BNP Paribas Bank Polska S.A

 

  • Fuel and energy consumption is monitored in the internal records of companies of the BNP Paribas Bank Polska S.A. Capital Group.
  • Data on the consumption of own-produced or purchased energy in 2019 refer to the full calendar year (01 January 2019 – 31 December 2019).
  • In 2020 there was a change in the reporting period of own or purchased energy consumption. BNP Paribas Bank Polska S.A. has adopted reporting periods consistent with those applied by the BNP Paribas Group. Data showing energy consumption and emissions cover the period from 1 November 2019 to 31 October 2020.
  • Conversion of fuel consumption into energy expressed in GJ was made using the heating values published in the KOBIZE document „Heating Values and CO2 Emission Factors in 2016″ for reporting under the Emission Trading Scheme for 2019 and the analogous document for reporting emissions for 2020.
  • Data regarding business trips are taken from the internal records of BNP Paribas Bank Polska S.A.
  • Data regarding business trips for 2019 are for the period from 1 October 2018 to 30 September 2019.
  • In 2020, there was a change in the reporting period of business trips. BNP Paribas Bank Polska S.A. has adopted reporting periods consistent with those applied by the BNP Paribas Group. Business travel data refer to the period from 1 October 2019 to 31 September 2020.
  • Emissions calculations were prepared in accordance with the following standards: The Greenhouse Gas Protocol A Corporate Accounting and Reporting Standard Revised Edition, GHG Protocol Scope 2 Guidance, and Corporate Value Chain (Scope 3) Accounting and Reporting Standard.
  • The greenhouse gases identified and included in the calculations were CO2, CH4, and N2O, which were expressed as CO2 No biogenic CO2 emissions were identified.
  • The reference point for reduction targets are the 2019 emissions, which was the first year for which the new approach to calculating GHG emissions has been used.
  • The sources of emission factors were publications of KOBIZE (National Balancing and Emission Management Centre), the Energy Regulatory Office and the DEFRA (Department for Environment, Food and Rural Affairs, UK Government) database.
  • As a criterion for the consolidation of emission volumes for the BNP Paribas Bank Polska S.A. Capital Group, a financial control criterion was adopted, which means that 100% of the company’s emissions were attributed to the Group (excluding emissions from the combustion of fuels by the fleet and business trips in subsidiaries).
  • Emissions from electricity generation were calculated using the market-based method. In the case of the energy mix, an average indicator for Poland was used due to the lack of knowledge of individual energy suppliers in the locations, and for energy from renewable sources confirmed by guarantees of origin, an indicator of 0 kg CO2e/kWh was used.
  • The 2019 Annual Report shows Scope 2 emissions. This year’s publication shows Scope 1 and business travel emissions (Scope 3) as well.
  • The differences in Scope 2 emissions from the previous report are due to the alignment of emission factor sources.
  • In this report, emissions for 2019 have been re-calculated.
  • 100% of energy used from RES: purchase of energy from renewable sources for energy directly purchased by BNP Paribas Bank Polska S.A. (under the agreement with Respect Energy for 2021-2022) and purchase of renewable energy origin guarantees for energy not purchased directly by the Bank.
  • Mass correspondence sent to Customers on 100% Recycled paper, with FSC, Eco Label and Blue Angel certifications
  • Installation of photovoltaic panels in the Operational Centre in Ruda Śląska
  • Expansion of the Bank’s „Apiary under the stars” in Warsaw and Ruda Śląska and creation of a new apiary in Krakow
  • Successive reductions in greenhouse gas emissions through the implementation of new initiatives and eco-improvements in different areas of the Bank

Biodiversity initiatives

Apiaries under the stars

For BNP Paribas Bank Polska S.A. an important element of environment protection activities is the concern for biodiversity, including the very important one – the bees. It is estimated that about ¾ of our food depends on bees and other pollinating insects. Unfortunately, as a result of human activity, the number of areas where these beneficial animals can live is decreasing. Our contribution to sustainable urban ecosystems is the constantly expanding network of „Apiaries under the stars”. Since June 2017, honey bees have been living in the three hives installed on the roof of the Bank’s headquarters office building at 10/16 Kasprzaka Street in Warsaw.

In 2020, the apiary was moved to the Bank’s new headquarters at 2 Kasprzaka Street. In 2019, an apiary consisting of six hives was established in Ruda Śląska. Bee families also took up residence on the terrace of the office building of Arval Service Lease Polska (a member of BNP Paribas Bank Polska Group) and BNP Paribas Securitas Services (one of the companies of the BNP Paribas Group in Poland).

Currently, the Bank's apiaries are inhabited by nearly 500,000 bees, which produced 230 kg of honey in 2020 alone.

Thanks to the decisions made in 2020, another banking „Apiary under the stars” will be opened in spring 2021 in Kraków, while the apiaries in Warsaw and Ruda Śląska will be enlarged. Additionally, an apiinhalation hut will be built in Ruda Śląska to serve the employees and the local community.

To strengthen its bee advocacy efforts, in 2020 the Bank began working with Fundacja Pszczoła (“the Bee Foundation”), the priorities of which include promoting beekeeping knowledge and protecting wild pollinators.

Biodiversity and concern for bee life is very important to BNP Paribas Bank Polska S.A.. As the Bank of Green Changes, it cares for the survival of this species which makes life on Earth possible. Currently, the situation of bees is difficult. They are being decimated by diseases, schematized agriculture, and even climate change. In order to save these extremely useful insects, the Educational Apiary and the Community Garden were created in Piła, in which we show good ecological solutions, which can be easily implemented in your home and garden. We want to show how important are individual, everyday choices of each of us, because it gives the scale and the power of influence. Thanks to the cooperation and support of the Bank we built an additional hut for apiinhalation there, which improves the condition of the respiratory tract, strengthens immunity and reduces the effects of stress. This is what I call a harmonious coexistence with the environment - we respect and strengthen it and in return we get the same - after all we are its integral part.

Bożena Wola Chairman of the Board of Fundacja Pszczoła

Moreover, we support the Beekeeper of the Year contest, aimed at popularizing knowledge about beekeeping and its importance for biodiversity. Thanks to this initiative, we can disseminate good practices in the field of environmental protection and ecological education.

 

500 K

bees in the Bank's "Apiary under the stars" 

 

230 kg

of honey produced in 2020 

 

710 kg

of honey has been produced by bees from the "Apiaries under the Stars" since 2018. 

Supporting afforestation

As the Bank of Green Changes, BNP Paribas Bank Polska S.A. undertakes numerous climate actions, often combining the product offering with the popularisation of environmental attitudes and initiatives. The year 2020 was exceptionally „green”. Thanks to the commitment of its Customers and partners, the Bank planted in total over 60 thousand trees – from native species to aerobic trees with exceptional oxygen production capabilities. BNP Paribas Bank Polska S.A. encouraged its Customers to create the „Great Oxygen Gardens” together. For each open account or cash loan granted, the Bank undertook to plant an Oxytree tree which absorbs almost 10 times more CO₂ than the most popular domestic deciduous tree species. The pandemic has prevented for all 50,000 trees pledged by the Bank to be planted this year, but the first plantings have already been established. As of June 2020, 21 thousand oxygen trees are growing in controlled plantations in Sarbia and Radomieck in Lubusz Voivodeship. Further sites for next year’s plantations are also already prepared.

In the middle of the twentieth century, forests covered slightly more than one fifth of Poland’s area, and today – just under one third. Although forest areas in our country are expanding, there is a need to restore areas that, for example, suffered from storms. In 2017, after violent storms, tens of thousands of hectares of forests were destroyed, including over 2,200 hectares of forest in the Runowo Forest Inspectorate in the Kuyavian-Pomeranian Voivodeship. BNP Paribas Bank Polska S.A. got involved in this initiative as part of its participation in the Carbon Dioxide Unit auction. The funds for the purchased Carbon Dioxide Units allowed to restore about 5 ha of forest near Bydgoszcz (Drzewianowo Forestry). In November and December 2020, approx. 25 thousand mainly deciduous trees were planted there, e.g. oaks, beeches, lindens, sycamores and others.

Additionally, BNP Paribas Bank Polska S.A. took part in Reforest Action campaign. Its objective was to plant one tree for each EUR 1,000 invested within socially responsible investments. It was related to the issue of structured certificates: Environmentally Friendly Companies, Environmentally Friendly Companies II, Climate Investment, Climate Investment II. Thanks to the Bank’s Clients, in October more than 14,000 trees of various species were planted in Lipusz, Pomeranian Voivodeship, where forests were destroyed by a storm in 2017. More information on this page.

In 2020, through the BNP Paribas Foundation, we donated PLN 20 thousand to help save the Biebrza National Park, which has been consumed by fires for years. Thousands of hectares of habitats of endangered species have already been burnt. For BNP Paribas Bank Polska S.A., concern for the natural environment is a key commitment and the foundation of responsible business. Involvement in counteracting the natural disaster and supporting the burning Biebrza National Park, for BNP Paribas, is a natural reaction. The Bank encourages everyone who is not indifferent to the fate of our planet to get involved. More information on this page.

 

60 K

trees planted thanks to the involvement of BNP Paribas Bank Polska S.A . 

 

PLN 20 K

donated to save the Biebrza National Park 

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