554 2019 Universal registration document and annual financial report - BNP PARIBAS

7 a Committed Bank: information ConCerninG the eConomiC, soCial, CiviC and environmental resPonsiBility of BnP PariBas

7

Our civic responsibility: being a positive agent for change

Financial training and support for young people

Financial education has demonstrated its effectiveness in combating excessive indebtedness and encouraging economic growth. Therefore, most Group entities deploy training programmes in several countries. These include:

■ Responsible Budget , digital platform targeting young people, their families and teachers showing them how to better manage their budget using serious games . This platform is now live in three BNP Paribas Personal Finance entities: France, Italy and Belgium since 2019.

This and other youth support programmes helped 50,000 young people in 2019, compared with 21,000 in 2018;

■ I Bring a banker to school ( J invite un banquier dans ma classe ), led by French Retail Banking in association with the Fédération Bancaire Française (French Banking Federation), has tought to more than 3,000 pupils of year 5 and 6, how to manage a budget;

■ in Morocco, BMCI has joined forces with MATYN, a women-led cooperative, to provide training in financial education and digital marketing.

In addition, in France, to tackle the difficulties young people have in finding housing, French Retail Banking offers the Guarantme product. This includes a free joint and several guarantee, an advance on a deposit and a home insurance.

COMMITMENT 8: COMBAT SOCIAL EXCLUSION AND SUPPORT HUMAN RIGHTS

A player in combating social exclusion for many years, BNP Paribas works on providing long-term support in the areas of at risk communities, in particular in sensitive urban areas. More broadly, its commitment to promoting human rights continues to gain strength.

COMBAT SOCIAL EXCLUSION Combating social exclusion is one of the main priorities of BNP Paribas. It focuses on two key areas: integrating young people and setting up local community schemes.

Alongside these actions, the Group also encourages its employees to get on board by arranging skills-based volunteering with associations involved in tackling the social inclusion of vulnerable people (see Good place to work and responsible employment management, Commitment 5).

Projet Banlieues: an initiative to foster social inclusion in disadvantaged urban areas

For more than 10 years, the BNP Paribas Foundation and the French Retail Banking network have supported community projects in urban areas considered a priority by the local council. The BNP Paribas Foundation supports numerous partnerships with recognised associations, particularly in the fields of education and employment.

Education Working alongside the AFEV association to tackle underachievement in schools the flagship priority of the Projet Banlieues meant that 16,800 children and young people received support in 2019.

Similarly, as a result of its partnership with the EPA association, the BNP Paribas Foundation has set itself the goal for the 2019-2020 academic year of encouraging around 8,000 young people on vocational

courses to take part in mini-corporate programmes. The idea is to bring young people together for a day so that they can come up with solutions to a problem submitted by a partner.

Employment A long-standing partner of the Association for the Right to Economic Initiative (Adie), in 2019 the BNP Paribas Foundation assisted it in arranging finance for some 4,000 people, more than 3,000 of whom were starting up or expanding a small business. In the end, around 5,700 jobs were created or maintained. This is on top of the support given to 16 Adie branches located in priority urban areas.

Outreach actions In addition to this, in 2019 the BNP Paribas Foundation extended its policy of supporting local associations to 80% of people living in priority urban areas. In 2019, 186 associations benefited from the Foundation s EUR 590,000 budget.

20 years of initiatives in Seine-Saint-Denis

In 2009, BNP Paribas, the leading private-sector employer in Seine-Saint-Denis, marked 10 years of being based in the region by launching Odyssée Jeunes. Ten years later, this corporate philanthropy programme has funded 1,200 school trips, benefiting around 50,000 pupils from 137 secondary schools.

In 2019, BNP Paribas signed the SSD Égalité charter, thereby reaffirming its commitment to the region in six key areas: education/young people, employment, entrepreneurship, regional appeal and the energy, environmental and inclusive transition