RepoRt on - BNP Paribas

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RelationS With clients and suPPliers 55 <strong>RepoRt</strong> on CoRpoRate SoCial and enviRonmental ReSponSibility
RelationS With ClientS and SupplieRS closely-attuned relationships listening to clients and meeting their needs Anticipating client expectations a personalised approach, using diagnostic tools to make products better suited to the needs of each client: preparing investment plans, protecting assets and appraising pension provision, to meet the requirements of 6.5 million personal and private-banking customers in france. we also offer a range of services, from startup financing to loans and investment solutions, for 565,000 small businesses, entrepreneurs and non-profit organisations. we support our 22,000 corporate and institutional customers with key account managers based in 27 business centres. we offer customised solutions by crossselling services from other group businesses, particularly corporate and investment banking and cash management. bnP Paribas’ consumer surveys unit brings together a network of group entities specialised in market surveys, some of them authorities in their fields. these include the cetelem observatory for consumer spending and the corporate vehicle observatory set up by arval service lease. the synergies offered by this network lead to a better understanding of different consumer profiles and retail channels, as well as customer satisfaction. this research helps us to calculate leading indicators of likely developments in consumer behaviour and lifestyles. the resulting indicators make us more able to innovate in our range of products and services and in our distribution methods. demographic and social changes, new information technologies and an increasingly nomadic lifestyle have given rise to increasingly diverse demand in various customer segments. bnP Paribas is ex- pected to provide greater convenience and responsiveness, and to offer a wide range of choice based on each client’s particular circumstances. cetelem observatory in 2009, like every year for the last twentyfive years, the cetelem observatory published the results of various surveys of the property market, the european auto market and consumer spending in 12 european countries. n cetelem observatory: property market owning a home is a priority for 34% of those surveyed, a dream for 25% and a natural event for 20%. compared with the 53% of french people who already own their home, these figures show that the property market has significant room for growth. 79% of people would like to own their home, but only 53% actually do, a gap of 26 points. n cetelem observatory: auto market. the focus is on low-cost vehicles 29% of europeans surveyed are considering buying a low-cost car. However, beneath this large figure lie wide variations between countries. the Portugal, the uK and spain have the largest proportions of those intending to buy a lowcost car, i.e. over a third. in france, in 20 06, the cetelem observatory revealed that 5% of french consumers were ready to buy a low-cost vehicle as their main car. since then, low-cost vehicles have become much more popular, and the figure has risen to 18%. n cetelem observatory: consumer spending. spending smarter, not less the global recession has prompted people to improve their consumption habits, for themselves, others and the planet. 56 <strong>RepoRt</strong> on CoRpoRate SoCial and enviRonmental ReSponSibility they are not seeking to cut consumption, but they want to consume in a more responsible way. three underlying trends are emerging: organic, fair-trade and second-hand. 38% of europeans say that they regularly buy organic products. 10% claim to buy fair-trade products on a regular basis, and 60% have bought second-hand books, cds or video games. Arval and carbon offsetting carbon offsetting has been developed by Arval as an extension of its measure & management offering. as it does for itself, Arval enables fleet managers to set multi-year emissions reduction targets, and to offset any overshoot in a given year. the same offsetting mechanism can be offered to companies and organisations wanting a “zero emissions” position, in which case all co 2 emissions are offset. Arval selected this option in 2009, offsetting all emissions from its own vehicles in all countries. it did so using a diverse range of methods depending on the country, working with various specialists and certified ngos, or through the certificates market with the support of bnp paribas carbon finance.
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RepoRt on enviRonm
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meSSage fRom the ChaiRman and the C
Page 5 and 6: History 1966 creation of bnp the me
Page 7 and 8: RetAil banking over 7,000 branches
Page 9 and 10: a global leader and major player in
Page 11 and 12: Key figures Revenues (in millions o
Page 13 and 14: the gRoup’S appRoaCh bnP Paribas/
Page 15 and 16: combining csr and economic performa
Page 17 and 18: internal controls the group has an
Page 19 and 20: vigeo vigeo is europe’s leading s
Page 21 and 22: np paRibaS and itS sHareHolders 20
Page 23 and 24: changes in share ownership changes
Page 25 and 26: AveRAge monthly shARe pRices And mo
Page 27 and 28: nP Paribas uses two comparative met
Page 29 and 30: vidual shareholders and investors,
Page 31 and 32: annual general meeting bnP Paribas
Page 33 and 34: internet voting) are donated in add
Page 35 and 36: human ReSouRCeS development group v
Page 37 and 38: eakdoWn bY geograpHiC area 2006 200
Page 39 and 40: furthermore, natural employee attri
Page 41 and 42: enhancing employees’ employabilit
Page 43 and 44: neration, exceptional taxes. the me
Page 45 and 46: nP Paribas/london insights on team
Page 47 and 48: nP Paribas/Paris outreach to visibl
Page 49 and 50: nP Paribas/bahraïn parenthood: pil
Page 51 and 52: listening to employees bnP Paribas/
Page 53 and 54: these awards were created to share
Page 55: nP Paribas/new york bnP Paribas/lyo
Page 59 and 60: in addition to these indicators, bn
Page 61 and 62: numbeR of Active ceRtificAtions 200
Page 63 and 64: protecting the most vulnerable clie
Page 65 and 66: cetelem’s responsible lending app
Page 67 and 68: identifying clients’ needs and se
Page 69 and 70: — incorporating esg issues into o
Page 71 and 72: this system is based on the shared
Page 73 and 74: impaCt on the natuRal enviRonment b
Page 75 and 76: internationally, the system for col
Page 77 and 78: in the commercial real estate busin
Page 79 and 80: compliance in the environmental fie
Page 81 and 82: financing renewable energy projects
Page 83 and 84: a paRtneR in society 82 Rep
Page 85 and 86: despite the crisis, bnP Paribas has
Page 87 and 88: micro-financed business start-ups i
Page 89 and 90: np paribas corporate & investment b
Page 91 and 92: “Proxité” association in saint
Page 93 and 94: elizabeth Kontomanou, the 17th sain
Page 95 and 96: Arval’s international network arv
Page 97 and 98: the boaRd of diReCtoRS MICHEL PéBE
Page 99 and 100: LAuRENCE PARISOT Principal function
Page 101 and 102: conditions for the preparation and
Page 103 and 104: membership of the bnp paribas board
Page 105 and 106: strategy the board of directors for
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— the board was regularly informe
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compliance with european commission
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compensation — the board of direc
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Accounting internal control — eve
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internal control, risk management a
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corporate governance and nomination
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internal control the information be
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players involved in internal contro
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permanent operational control the e
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limitation of the powers of the chi
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procedure for control of accounting
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making committee (“Pfc” - Produ
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comPliance 130 RepoRt</stro
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— Procedures relating to the acce
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nRe appendiCeS nre appendices - soc
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NRE indicator - 2009 year Scope for
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nre appendices - environmental chap
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RevieW RepoRt fRom
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table of ConCoRdanCe Report on envi
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corporate governance series of prin
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opa (Offre Publique d’Achat) ope
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tpi (Titre au Porteur Identifiable)
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