corporate presentation of the group - BNP Paribas
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Transcript of corporate presentation of the group - BNP Paribas
2
• Aspiration to be a dynamically growing and efficient bank, engaging satisfied Customers & employees, that will lead the process of changing the world towards sustainability
• Key targets for 2025: ROE ~12%, C/I max. 48%, 50% dividend payout
New business strategy GObeyond 2022-2025 (#together, #stronger, #up, #positive)
• Strong, committed for development in Poland, BNP Paribas Group with recognizable global brand
• Sufficient scale of business, organic growth in a dynamically changing environment
BNP Paribas Bank Polska among the 6 largest banks in Poland • Increased digitization of the bank's
processes and customer interest in remote services
• Sustainability rooted in culture. Increase in sustainable financing volume and introduction of new "green" products
• Culture of cooperation - Agile@Scalemodel supporting further transformation
Open & responsible transformation • Scale of operations and the business
model proven in challenging circumstances
• Staying focused on supporting Clients, the society and economy
• Improving business performance following our continued progress across all business segments
• Outlook for 2022 subject to geopolitical, macro and sector risks
Business development• Solid level of financial results
impacted by COVID-19 related items in 2020 and 2021, and sizeable provisions for CHF mortgage portfolio legal risk in 2021
• 2022 results supported by interest rate hikes, but costs under pressure from inflation and BFG normalization
Profitability
K E Y I N F O R M A T I O NC O N S I S T E N T B U I L D I N G O F B N P P A R I B A S P O S I T I O N O N T H E P O L I S H M A R K E T
3
H I S T O R Y O F M & A D R I V E N G R O W T H W E H A V E S T R O N G R O O T S O N T H E P O L I S H M A R K E T
Société Générale De Banque, later BNP PARIBAS FORTIS,
launches operations in Poland
Establishment of Krakowskie
Towarzystwo Bankowe (KTB)
The Polish-American Enterprise Fund becomes strategic
shareholder of KTB - and establishes POLSKO-
AMERYKAŃSKI BANK w Krakowie
PPA BANKlisted at WSE
FORTIS takes over PPA BANK and names it FORTIS BANK
POLSKA
FORTIS merges withDOMINET BANK,
BNP PARIBAS Groupacquires FORTIS
FORTIS BANK POLSKA changes its name to BNP PARIBAS BANK POLSKA
Take over of the majority stake of BANK BGŻ by BNP PARIBAS
BANK BGŻ BNP PARIBAS is established
Merger with SYGMA BANK
Creation of POLSKI BANK
ROLNY
Creation of BANK BGŻ BANK BGŻ
transformedinto a joint stock
company
RABOBANKand EBRD become
strategic investors at BANK BGŻ
BANK BGŻlisted at WSE
1919 1990 1991 1994 1999 2009
2014 2015 2016 2018
1919 1975 1994 2004 2011
20112011
2019
Integration with core RAIFFEISEN
BANK POLSKA
I/II Q Rebranding to
BNP PARIBAS BANK
POLSKA
IV QOperational
merger
4
B U S I N E S S M O D E LS T R O N G F O U N D A T I O N S O F T H E B A N K T O G E N E R A T E S H A R E H O L D E R V A L U E G R O W T H A N D B E N E F I T S F O R T H E E C O N O M Y A N D C O M M U N I T I E S
We are a bank with over 100 years of history on the Polish
market. Affiliation to BNP Paribas, a global financial group,
enables us to apply best international practices to the needs
of the local market and expectations of the bank’s customers.
A local bank with global coverage
A full range of financial products and services for customers,
provided by the bank and the group’s companies (including
investment funds and leasing). Direct access to the offers
of BNP Paribas entities functioning in Poland (e.g. factoring,
leasing, insurance, etc.).
As a bank close to the customer, we provide services through:
• a network of bank branches, including partner branches
• digital services channels
• cooperation with partner stores and selected car dealers.
Completeness and availability of the offer
The pillar of our business activity in order to provide services
of the highest quality to our customers is a culture of compliance
and careful risk management.
One of the elements of the risk management framework is
incorporating the ESG criteria into the overall risk assessment.
Responsible risk management
In our activity, we constantly analyse and consider the regulatory
and economic aspects, as well as the dynamic development of
digitalisation or social and climate changes, which affect both the
national and global economy. We react to challenges of civilisation
through development and adjusting our offer to the changing
environment and needs of our customers.
Addressing challenges of the civilization
over 100 years history
reacting challenges of the civilisation
full range of financial products & services
culture of compliance and careful risk management
in a changing world– by taking care of their financial needs, providing professional services and innovative solutions, we support our customers in sustainable development,we build professional development and employee involvement and generate shareholder value growth and benefits for the economy and local communities
5
S T R A T E G I C S H A R E H O L D E RB N P P A R I B A S G R O U P - E U R O P E A N L E A D E R I N T H E F I E L D O F F I N A N C I A L S E R V I C E S
Key areas of activity3 key operating areas of BNP Paribas Group:
Retail Banking
Investments & Protection Services wide range of savings, investment
and insurance services
Corporate & Institutional Bankingfor large corporates and institutional investors
Leading bank in the Eurozone
2.1 bn € net income
13.2 bn € revenues
200 years of banking history
65 countriesin the world
~190,000 employees
data as at the end of Q1 2022
A recognized leader in sustainability, committed to:
€ 210 bnInvest
towards the UN Sustainable Development Goals by the end of 2022
€ 6.3 bnSupport
via microfinance and social enterprises by 2021
€ 18 bnFinance
by 2021 in renewable energy projects
2,860.8 bn € assets
123.6 bn € equity
839.0 bn € gross loans*
* loans valued at amortised costs
6
B N P P A R I B A S B A N K P O L S K A G R O U P I N F I G U R E SS T R O N G P O S I T I O N A M O N G T H E L A R G E S T P L A Y E R S I N P O L A N D
Key areas of activityBNP Paribas Bank Polska S.A. is a universal bank
with a comprehensive product offer, addressed to Polish and international corporations,
the SME segment, farmers and retail clients. It is present in local communities but has global reach.
The bank has a leading position in the agri-food, consumer, large enterprise
and international corporation segments.
6. bank in Poland in terms of assets
PLN 277.7 m net profit
PLN 1,467.8 m
>100 years of banking history
420 branchesretail & business banking
8,657 employees (FTE)
Diversified Clients’ base
4.2 m Customers1.5 m using digital channels
data as at the end of Q1 2022
net bankingincome
PLN 138.0 bnassets
PLN 91.2 bnPLN 11.2 bn equity
gross loans*
* loans valued at amortised costs
7
B N P P A R I B A S G R O U P I N P O L A N DP A R T O F S T R O N G I N T E R N A T I O N A L F I N A N C I A L G R O U P W I T H A N I N T E R N A T I O N A L R E A C H
BNP Paribas Towarzystwo Funduszy Inwestycyjnych S.A.(Asset management)
BNP PARIBAS GROUP ENTITIES IN POLAND
BNP Paribas Faktoring Sp. z o.o.
BNP Paribas Lease Group Sp. z o.o.
BNP Paribas SA Oddziałw Polsce (CIB)
BNP Paribas Securities Services S.K.A. Oddział w Polsce
Arval Service Lease PolskaSp. z o.o.
Towarzystwo Ubezpieczeńna Życie Cardif Polska S.A.
BNP Paribas Real EstatePoland Sp. z o.o.
BANK SUBSIDIARIES
BNP Paribas Group Service Center S.A.(IT development for PF entities, financial intermediation services)
BNP Paribas Leasing Services Sp. z o.o.
BNP Paribas Financial Services Sp. z o.o.(Financial intermediation services)
BNP Paribas Solutions Sp. z o.o.*
~11,000people
BNP Paribas Group in Poland employs
Campus Leszno Sp. z o.o. (Training Centre)
BGZ Poland ABS1 DAC (SPV, controlled by the Bank under IFRS10)
Bankowy Fundusz Nieruchomościowy Actus Sp. z o.o.**
* March 1, 2022 the Extraordinary Shareholders' Meeting has decided to liquidate the company
** January 28, 2022 the Extraordinary Shareholders' Meeting passed a resolution to dissolve the company by liquidation
8
M A N A G E M E N T B O A R D
8
Jean-Charles ArandaVice President, CFO
Finance Area
Przemysław FurlepaVice President
Retail and Business Banking Area
Volodymyr RadinVice President
Personal Finance Area
Wojciech KembłowskiVice President, CRO
Risk Area
Magdalena NowickaVice President
New Technologies and Cybersecurity Area
André BoulangerVice President
CIB Area
Przemek GdańskiCEO
Kazimierz ŁabnoVice President
Operations and Business Support Area
C O M P O S I T I O N O F T H E M A N A G E M E N T B O A R D
Agnieszka WolskaVice President
SME & Corporate Banking Area
9
F U L L M A R K E T C O V E R A G E W E S E R V E A L L C L I E N T S E G M E N T S
Business segments* NBI contribution** DescriptionAssets contribution**
* simplified criteria of segmentation** consolidated data as at the end of Q1 2022; other banking activities accounted for 12% of NBI and 35% of assets
SME
Corporates
CIB
Retail
CIB CoverageLargest companies
CorporatesAnnual turnover >= PLN 60 mCredit exposure >= PLN 18 m
Small & Medium EnterprisesAnnual turnover < PLN 60 mCredit exposure < PLN 18 m
Micro CompaniesAnnual turnover < EUR 2 m
Individual ClientsIndividuals incl. Wealth Management
Selected largest Polish companies daily banking via Business Centers
Polish mid-caps, multinationals, public sector, top Polish corporations, 3 Regional Centers, Strategic Client Division and 30 Corporate Banking Centres
Commercial companies & farmers;3 SME Regions, 45 SME Business Centers on 34 local markets
Individual Clients, including Wealth Management Clients and microbusiness with agro and farmers; 420 branches
CIB & Corporates included in unique commercial banking set-up of BNPP Group worldwide
Total: PLN 1.5 bn Total: PLN 138.0 bn
6%
23%
9%
50%
3%
19%
5%
37%
10
O U R S T R A T E G Y G O B E Y O N D F O R 2 0 2 2 - 2 0 2 5 G O B E Y O N D T O D E L I V E R M O R E
10
#TOGETHER
#STRONGER
#UP
#POSITIVE
People first: engaged & satisfied employees drive delighted Customers. Agile@Scaleand new corporate culture allowing for diverse, inclusive work environment characterized by trust, courage & creativity
Global BNP Paribas Group strength & dynamic technological development, coupled with E2E process optimization as a backbone for organic growth and high Client satisfaction
Offering high quality banking & beyond banking products & services, as a key to larger Client base in omnichannel world. Delivering excellent experience through personalized Customer journeys
Responsible & trusted financial partner, supporting positive and sustainable development of Clients, businesses and the society. Guiding Clients in the world of digital and sustainable transformation
Deliver a selection of convenient & tailored products & solutions that will exceed Customer expectations and market standards, while being at a forefront of sustainable transformation
Challenge the status quo Question bank and market realities to deliver more
Dynamic implementation of changes on a scale that goes beyond incremental development, creating a solid foundation for effective and efficient operations. Allow our employees to act to their potential, by setting up constructive and empowering work environment
beyond
beyond
1111
K E Y G O A L S O F T H E S T R A T E G YB U S I N E S S P E R F O R M A N C E O N T H E R I G H T T R A C K . O U T L O O K F O R 2 0 2 2 S U B J E C T T O G E O P O L I T I C A L , M A C R O A N D S E C T O R R I S K S
Uncertainty of the operating environment has become the new normal
Financial targets included in GObeyond Strategy reflect the bank’s ambitions set in the conditions and environment before the outbreak of armed conflict in Ukraine
Active Clients in Retail & PF [incl. Micro]
4.5 million[+0.5 m vs. 2021]
#TOGETHER
#STRONGER
#UP
#POSITIVE
Key individual Clientprocesses availablein digital
90%
Increase number of active Clients in Corporate & SME
>18%[vs. 2021]
NPS marketposition
Top 3
Dividend payout ratio
50%[aspiration for 2025]
Increase in number of active multinational Clients
>22%[vs. 2021]
1. Sustainable loans and advances / total loans and advances to Customers (outstanding portfolio, measured at amortised cost)
Total investmentsin technology
PLN 1.5 billion[until 2025]
eNPSEmployee Net Promoter Score
20
TARGETS FOR 2025 ROE
~12%
Share of sustainable assets1
10%
C/I
max. 48%
12
#TOGETHER
#STRONGER
#UP
#POSITIVE
First quarter of operation in the new agile style of work - Agile@Scale - goals streamlined with the Strategy pillars
Involvement of the bank and its employees in initiatives supporting refugees
Poland’s Top Employer 2022 title for the 9th time
Convenient transactional solutions: BLIK – further development of its functionalities (repayment of instalments and credit cards, transfer to phone number), aggregator of accounts in other banks (open banking)
Modern customer service (launching of voicebot in the bank’s call centre, increasing use of chatbot in GOonline)
Increasing cybersecurity of Customers thanks to the use of behavioural analysis in GOonline, allowing better understanding of the user and prevention of suspicious transactions
New innovative products: financing from PLN 500 thousand to PLN 2 million for young companies in technology industry („scale-ups”), micro factoring offered in cooperation with Fandla, first on the market mortgage loan with a 10-year fixed rate
Immediate (4 days from the war outbreak) adjustment of the offer and account opening process to the needs of the Ukrainians
Further development of sustainable products: Sustainability Linked Loan for Wirtualna Polska, loan for farmers ”Certainty every day” with bonus for ecological farms
Award from Puls Biznesu newspaper ”Ethical Company 2021”
FINANCIAL TARGETS 2025
PLN 4.5 billion
of sustainable financing at the end of Q1
344 employees
engaged in voluntary work for Ukraine
44% share of 5-year fixed-rate mortgage
loans in total mortgage loans sales in Q1
30% of customer inquiries
handled fully automatically (chatbot)
12
G O B E Y O N D S T R A T E G Y 2 0 2 2 - 2 5D Y N A M I C E N T R A N C E T O E X E C U T I O N P H A S E
1313
# G O D I G I T A L - I M P L E M E N T A T I O N O F T H E D I G I T A L A G E N D A I N T H E N E W A G I L E @ S C A L E S T R U C T U R EC O N S T A N T I N C R E A S E I N D I G I T I Z A T I O N O F P R O C E S S E S A N D P R O D U C T S
+11% q/q
thousand
-1% q/q +50% y/y
+68% y/y
CUSTOMERS USING DIGITAL CHANNELS
+0.4 q/q +10% y/y
GOmobile USERS
+2% q/q +28% y/y
NUMBER OF TOKENS IN DIGITAL WALLETS
BLIK TRANSACTIONS QUARTERLY
>1,300 personsworking in a new agile framework
14 tribesin Agile@Scale structure
5 IT domains working in Agile@ScaleAGILE@SCALE
259288
326
392435
3Q 20212Q 20211Q 2021 4Q 2021 1Q 2022
728784
850911 933
1Q 2021 2Q 2021 3Q 2021 1Q 20224Q 2021
2Q 2021
1,428
1Q 2021 3Q 2021 4Q 2021 1Q 2022
1,397 1,480 1,527 1,533
1Q 2021
3,394
2Q 2021 3Q 2021 4Q 2021
3,858
1Q 2022
4,174
5,161 5,085
1414
# S U S T A I N A B L E F I N A N C E # P O S I T I V E B A N K I N GS T R A T E G I C M A N A G E M E N T O F E S G ( E N V I R O N M E N T A L , S O C I A L , G O V E R N A N C E ) I S S U E S , C O N T R I B U T I O N T O A C H I E V E M E N T O F S D G s
BEneFIT, Dobrze,Good Kilometers
Noble Gift – Szlachetna Paczka
Women changing BNP Paribas,Share the care
Social projects, grants, Agronomist
Class, Bakcyl,Mission Education
„Water - yes, plastic no”- eco education
Financing renewable energy sources (OZE)
Financing development of Polish economy
Supporting strategic Clients’ investments
Accessibility for Clients with disabilities,Diversity
Financing thermo-modernization
Supporting sustainability in the Food and Agro
Bank of Green Changes, Eco-fleet Coal exit
CSR Policies,Agro Conference,Nitrogen limitation
Bee Apiaries,Planting trees,Paperless
Ethics in finance initiatives,Responsible Sale Declaration
OUR
CONT
RIBU
TION
TO TH
E SDG
S
Business goals are achieved while staying in line with our social & environmental commitments
Dedicated sustainability structure lead by Chief Sustainable Officer (CSO) to strengthen banks strategic role in building sustainable economy
DEDICATED GOVERNANCE
Since 2021, 100% of energy used by the bank comes from sustainable sources
Our CO2 emissions are under constant scrutiny – goal to cut them by 55% till 2025 vs. 2019
Since 2018, increasing paperless approach all across the bank (cooperation with Autenti)
LIMITING OWN IMPACT
Accessible, inclusive, diverse & minority groups friendly bank (OK SENIOR® certificate and 81branches with „Facility without barriers” certificate)
Bottom-up employee communities, e.g. BNP Paribas Pride; Women changing BNP Paribas; „Tato, masz to jak w banku”
PROMOTING DIVERSITY AND INCLUSION
PLN 4.5 billion of sustainable (mainly green) financing granted by the Bank at the end of 1Q 2022
In 2017, the bank quit from financing coal mines and coal-fired power stations
In 2017, the bank limited and in 2020 quit from financing fur farming
FINANCING CHANGE
No. 1 in general classification in the Responsible Companies Ranking in 2021, 2020, 2019
RECEIVING RECOGNITION
We act in line with United Nations Sustainable Development Goals
15
F I N A N C I A L P E R F O R M A N C ER E C O V E R Y O F F I N A N C I A L R E S U L T S A F T E R T H E E P I D E M I C . P O S I T I V E I M P A C T O F B U S I N E S S A C T I V I T I E S A N D I N T E R E S T R A T E H I K E S O N P R O F I T A B I L I T Y
Cost / Income*
ROE*
Net interest margin*
Net profit* (PLN million)
* Adjusted values - all calculations based on consolidated reported data, excluding:
• for 2015-2020 – integration costs associated with the merger processes carried out by the bank since 2015
• for 2018 – gains from the bargain purchase of Core RBPL and recognition of the expected credit losses/ECL (related to the purchase of Core RBPL)
15
20182015 3M 2022
59.9%
2016 2017 2019 2021
53.5%
2020
52.9%
74.2%
55.3%
64.6% 61.0%52.8%
2015
3.02%
2016 2017
2.63%
20212018 20202019
2.67%
3M 2022
2.48%2.66% 2.74%
2.92%
2.51%
20202015 3M 20222016 2017
1.5%
2018 20212019
3.4% 3.6%4.8%
6.5%
8.7%
6.2%
10.0%
180 224309
485
950
721
176278
2015 20202016 2017 2018 3M 20222019 2021
16
F I N A N C I A L P E R F O R M A N C ES T A B L E S T R U C T U R E A N D G O O D Q U A L I T Y O F L O A N P O R T F O L I O . T I E R I A B O V E R E G U L A T O R Y R E Q U I R E M E N T
16
Cost of risk*
NPL provision coverage*
NPL ratio*
Tier I ratio
* Adjusted values - all calculations based on consolidated reported data with the following remarks:
• NPL ratio calculated for loan portfolio measured at amortised cost only
• coverage – starting from 2018 POCI portfolio acquired as a part of Core RBPL is included (net value of PLN 681.5 million as at 31.12.2018)
• cost of risk in 2018 – recognition of the expected credit losses/ECL (related to the purchase of Core RBPL) is excluded
7.60%
2015
7.72%
2016 202120192017 3M 20222018 2020
5.61%
7.40%
5.70% 5.37%
3.64% 3.43%
2017 20212015 20202016 2018
0.71%
3M 20222019
0.63% 0.61%0.55%
0.59%
0.78%
0.32%0.36%
2017 2020 20212015 3M 20222016 2018 2019
64.0%
49.0%
59.9% 60.5%53.4% 50.3%
57.4% 57.6%
3M 202220212016 20172015
12.8%
2018 2019 2020
11.8%11.1% 10.8%
12.4%13.6%
12.3%11.4%
17
N B I & O P E R A T I N G E X P E N S E SC O N S T A N T G R O W T H O F C O R E I N C O M E W H I L E M A I N T A I N I N G C O S T S U N D E R C O N T R O L
Net banking income (PLN million) Operating expenses (PLN million)
Level of operating costs in 2020 and 2021 – synergies on track as well as the effects of additional savings measures. In 1Q 2022 costs under inflation pressure and BFG normalization
Core revenues growth despite the impact of COVID-19. Increase in core revenues in 1Q 2022 as a result of business growth and interest rate hikes
In Q3 2020, the result from provisions for legal risk of CHF housing loans was excluded from the category of other operating expenses (2019 comparable).
20 66 32 284682 748 633
13 13183 255 251
331
820916
158 151
423493 486
567
247 301
733
2016
1,927
20192017
2,107
1,151
3,1693,060
-121 -20
2020
3,141
1,049
-14
2021 3M 20212018
1,003
3M 2022
1,423
3,289
2,049
1,826
2015
2,640 2,696
4,7054,5504,809
1,468
+135% 6%
+27%
Net interest income
Net trading income
Ne fee and commission income
Other*
2016
162
837666
99
117
2015
293348
502
148211
1,881
817
227
571
181
827
558
95
1,203
2018
16536
2019
901
171
236
1,280
739
166
390
732
213
368
1,681
-10
2020
171
1,184
400
2,922
2021
174
129
98
3M 2021
313
3M 20222017
152
2,049
104
143
624
1,718
2,506 2,544
665775
+48%
+16%
Other administrative costs
Integration costs
Personnel expenses
Depreciation & amortization
Bank Guarantee Fund*net investment income, dividend income, other operating income and expenses, result on hedge accounting
18
C O M M E R C I A L V O L U M E S S P L I T B Y C U S T O M E R SI N C R E A S E I N L O A N S A N D D E P O S I T S
Gross loans* and market shares (PLN bilion, %)
+85% vs. 2015
+56% vs. 2015
* since 2018 the sum of portfolio measured at amortised cost and measured at fair value
Deposits and market shares (PLN bilion, %)
+178% vs. 2015
+85% vs. 2015
34.833.9
77.2
2015
20.9
89.4
22.1
36.0
2016 3M 20222017
49.6
2018
30.0
47.2
2019
53.0
33.8
45.2
2020
38.8
27.0
2021
50.6
39.5
21.4
55.358.1 55.8
76.679.0
92.5
+67%
Individual clients
Institutional clients
6.0%
4.6%
6.0% 6.1%5.6%
4.9% 5.0%
5.7%
24.1
2015
22.4
44.6
2021
27.5
27.6
27.6
43.6
28.7
44.8
43.842.4
2018 2019
46.5
90.1
2020
44.8
56.262.4
3M 2022
42.4
46.5
2017
55.2
2016
56.3
87.2 86.1
101.0107.0
+130%
Individual clients
Institutional clients
5.6%
4.6%
5.9%
4.2%4.6%
6.6%
5.5%6.1%
19
* On 4 April 2022, the Bank's share capital was increased from PLN 147,518,782 to PLN 147,593,150 as a result of taken up 74,368 series M shares in the exercise of rights attached to the registered series A2 subscription warrants, taken up previously
-55%
-45%
-35%
-25%
-15%
-5%
5%
15%
25%
35%
45%
55%
65%
05-11 10-11 03-12 08-12 01-13 06-13 11-13 04-14 09-14 02-15 07-15 12-15 05-16 10-16 03-17 08-17 01-18 06-18 11-18 04-19 09-19 02-20 07-20 12-20 05-21 10-21 03-22
S H A R E S O F B N P P A R I B A S B A N K P O L S K A S AS H A R E S H A V E B E E N L I S T E D O N T H E W A R S A W S T O C K E X C H A N G E S I N C E 2 7 M A Y 2 0 1 1 ( I P O O F B A N K G O S P O D A R K I Ż Y W N O Ś C I O W E J S A )
Change in the share price
24.05%
63.35%
12.60%
147,593,150
total number of shares
BNP Paribas
BNP Paribas
Fortis
Others
Shareholder structure*(since April 4, 2022)
Free float12.60%
Fitch RatingLong-Term Issuer Default Rating (LT IDR) – A+ with a Stable OutlookShort-Term Issuer Default Rating (ST IDR) – F1Viability Rating (VR) – bbb-Shareholder Support Rating (SSR) – a+
(27.05.2011 = 100%)
April 29, 2022
PLN 67.2-5.4% y/y
Free-float: PLN 1.25 bnP/BV: 0.87; Capitalization: PLN 9.92 bn
since Dec 23, 2014, trading was suspended
until May 18, 2015
10 April 2018, transaction
agreement to merge with Core RBPL
April 29, 2022
WSE Ticker: BNPISIN Code: PLBGZ0000010Indices: sWIG80, sWIG80TR
6,466.8 pts. +10.2% y/y
INVESTOR RELATIONS BUREAU
2, KASPRZAKA ST., 01-211 WARSZAWAe-mail: [email protected]/relacje-inwestorskie
BNP Paribas Bank Polska Spółka Akcyjna with its seat in Warsaw at ul. Kasprzaka 2, 01-211 Warsaw, registered in the Register of Entrepreneurs ofthe National Court Register by the District Court for the capital city of Warsaw in Warsaw, XIII Business Division of the National Court Register underthe number KRS 0000011571, with tax identification number (NIP): 526-10-08-546 and share capital of PLN 147,518,782 fully paid up.
INVESTOR RELATIONSCONTACT