corporate presentation of the group - BNP Paribas

20
CORPORATE PRESENTATION OF THE GROUP BNP PARIBAS BANK POLSKA S.A. MAY 2022

Transcript of corporate presentation of the group - BNP Paribas

CORPORATE PRESENTATION OF THE GROUP BNP PARIBAS BANK POLSKA S.A.

MAY 2022

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• 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

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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

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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

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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

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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

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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

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M A N A G E M E N T B O A R D

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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

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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%

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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

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#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%

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#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)

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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

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# 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

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# 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

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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

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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%

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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

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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

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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.

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