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TEKST PRZEDLUZENIE TABELI

Table of content

Letter from the Chairman of the Supervisory Board of BNP Paribas Bank Polska S.A. 4

Letter from the CEO of  BNP Paribas Bank Polska S.A. 5

1.    BNP Paribas Bank Polska S.A. Group. 6

1.1.            Brief overview of the Capital Group. 6

1.2.            Structure of the Capital Group and consolidated entities. 8

1.3.            Business model 8

1.4.            HR management 11

2.    Bank on the  Warsaw Stock Exchange. 16

2.1.            Shareholders' structure and share price of BNP Paribas Bank Polska SA.. 16

2.2.            Ratings. 18

2.3.            Investor relations. 19

3.    Major events in  BNP Paribas Bank  Polska S.A. Group. 20

3.1.            Key corporate events. 20

3.2.            Awards and distinctions. 22

3.3.            Impact of the COVID-19 pandemic on the activity and results of the Bank and the Group in 2020. 24

4.    External environment  affecting the Group’s  operations. 29

4.1.            Macroeconomic conditions. 29

4.2.            Performance of the banking sector 32

4.3.            Stock market and investment situation. 36

5.    Strategy  and outlook. 38

5.1.            Strategy of BNP Paribas Bank Polska S.A. 38

5.2.            Implementation of the strategy in 2020. 38

5.3.            Factors which may affect the performance and operations of the Bank’s Group. 44

5.4.            Growth perspectives for the Bank’s Group. 48

6.    Financial standing of the BNP Paribas Bank Polska S.A.  Group. 49

6.1.            Consolidated statement of profit and loss. 49

6.2.            Statement of comprehensive income. 60

6.3.            Statement of financial position. 60

6.4.            Own funds and capital ratios. 67

6.5.            Financial ratios. 69

7.    Financial standing of BNP Paribas Bank Polska S.A. 70

7.1.            Stand-alone statement of profit or loss. 70

7.2.            Statement of comprehensive income. 80

7.3.            Statement of financial position. 81

7.4.            Own funds and capital ratios. 86

7.5.            Financial ratios. 89

7.6.            Average interest rates applied by the Bank. 89

TEKST PRZEDLUZENIE TABELI

TEKST PRZEDLUZENIE TABELI


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TEKST PRZEDLUZENIE TABELI

8.    Description of the  activities of BNP Paribas  Bank Polska S.A. Group 91

8.1.            Distribution channels. 91

8.2.            Bank’s Transformation Program... 97

8.3.            Retail and Business Banking. 100

8.4.            Personal Finance. 109

8.5.            Operations of the Brokerage Office of BNP Paribas Bank Polska S.A. 113

8.6.            SME Banking. 114

8.7.       Corporate Banking  118

8.8.            Agro area. 123

8.9.            Corporate and Institutional Banking. 126

8.10.          Other banking activity. 126

8.11.          Information technology and cyber security. 127

8.12.          Operations and business support 132

8.13.          Cooperation with financial institutions. 133

8.14.          Entities of BNP Paribas Bank Polska S.A. Capital Group in 2020. 134

9.    Key risks management 139

9.1.            The risk management system... 139

9.2.            Principal types of risk. 140

10.  Statement of  compliance with corporate governance principles. 152

10.1.          Compliance with corporate governance principles in 2020. 152

10.2.          Shares and shareholders. 154

10.3.          Governing bodies of the Bank. 155

10.4.          Remuneration of the Management Board and Supervisory Board. 169

10.5.          Diversity policy. 171

10.6.          System of control and risk management in the process of preparing financial statements. 173

11.  Other information. 175

11.1.          CSR (corporate social responsibility) and sustainable development 175

11.2.          Sponsorships. 183

11.3.          Information on certified auditor 183

11.4.          Legal cases. 185

11.5.          Subsequent events. 187

11.6.          Statements of the Management Board of BNP Paribas Bank Polska S.A. 187

TEKST PRZEDLUZENIE TABELI

TEKST PRZEDLUZENIE TABELI

TEKST PRZEDLUZENIE TABELI

TEKST PRZEDLUZENIE TABELI

TEKST PRZEDLUZENIE TABELI

TEKST PRZEDLUZENIE TABELI

TEKST PRZEDLUZENIE TABELI

TEKST PRZEDLUZENIE TABELI

TEKST PRZEDLUZENIE TABELI