2018 Registration document and annual fi nancial report - BNP PARIBAS546

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

7.4 Our civic responsibility: being a positive agent for change

BNP Paribas is a committed participant in society: the Group initiates and takes part in numerous initiatives to combat social exclusion, and promote education and the arts. In the context of its civic responsibility, the Group uses all the available tools, as a banker, employer and philanthropist, to foster a sustainable and harmonious development of society. These actions are in line with its three commitments:

■ Commitment 7: Products and services that are widely accessible;

■ Commitment 8: Combat social exclusion and encourage respect for human rights;

■ Commitment 9: Corporate philanthropy policy focused on the arts, solidarity and the environment.

2018 saw numerous concrete contributions promoting BNP Paribas economic responsibility:

■ At the end of 2018, the Group's subsidiary, Nickel, which offers prepaid accounts for everyone that are sold at buralistes , had opened 1.142 million bank accounts;

■ In the field of micro finance, more than 350,000 people across 17 countries benefited from the Bank s support to m icro finance Institutions (MFIs);

■ As a committed philantropist , BNP Paribas conducted fi ve fund raising campaigns via the Rescue & Recover Fund, which raised more than EUR 570,000 for NGO partner actions on the fi eld ;

■ BNP Paribas strengthened its commitment to the integration and inclusion of refugees in Europe by raising its support plan budget by EUR 4.5 million by 2021.

At the same time, the Group contributed to several key events in 2018 aimed at the emergence of new solutions to address current and future global challenges. In line with the priorities of the Group s Corporate Engagement Department, these actions were particularly focused on young people.

■ For the 4th year running, BNP Paribas participated in One Young World , an annual international summit for the leaders of tomorrow, held in The Hague in 2018. For the occasion, BNP Paribas sent an unprecedented delegation of 40 employees from 15 countries and 20 representatives of Group partner associations or social businesses.

■ Another fl agship commitment in 2018 was the fi ve-year partnership between BNP Paribas and the NGO Whitaker Peace & Development, as part of a programme in South Africa enabling young people from disadvantaged neighbourhoods in Cape Town to act as entrepreneurs and ambassadors of peace in their community. The aim of the project is to have a positive impact on nearly 60,000 young people and residents.

■ In addition, BNP Paribas also supported and participated in the Paris Peace Forum, which emphasises cooperation to address global challenges for lasting peace.

COMMITMENT 7: PRODUCTS AND SERVICES THAT ARE WIDELY ACCESSIBLE

The Group strives to improve fi nancial products accessibility around the world, since fi nancial inclusion of populations is a key accelerator of economic development and satisfi es the 1st, 8th and 10th Sustainable Development Goals of the United Nations. Financial inclusion is supported by fi nancial education which is necessary to ensure a better understanding of fi nancial products.

GROUP SUPPORT TO MICRO FINANCE BNP Paribas has been committed to micro fi nance for 30 years and uses several levers to promote its deployment: direct fi nancing of m icro fi nance Institutions (MFIs), investment in specialised funds, development of impact funds, performing technical assistance mission , etc.

In 2018, the Group s overall support towards micro finance reached 296 million, enabling 31 MFIs in 17 countries to be fi nanced directly and more than 100 MFIs indirectly in most countries around the world via 12 dedicated funds in which the different entities of the Group invest .

➤ BNP PARIBAS SUPPORT TO MICROFINANCE AS AT 31 DECEMBER 2018

Equity

Employee savings

10%

Client savings

12%

3%

Micro-insurance 2%

Others

1%

72%

Lending

TOTAL: 296 million