RepoRt on - BNP Paribas

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skills-based volunteer work MicroFinance sans Frontières and Bénévolat de compétences et solidarité (bcs), bnP Paribas’ two skills-based volunteer schemes launched in 2007, began to produce results as early as 2008. bcs is an association that supports micro-entrepreneurs financed by the adie. the scheme is partnered by the bnP Paribas association of retirees (adr), which has 21,000 members. in two years, it has provided the adie with skills support from some one hundred volunteers throughout france. over a period of eighteen months, 2,000 people have received information about the scheme, 500 have expressed an interest, 200 have been interviewed and one hundred have been accepted as new volunteers for the adie. with encouragement from bnP Paribas and the adr, the experiment has been further developed by creating a new “skills-based Volunteer and outreach” association in november 2009. the new association recruits volunteers from among active employees as well as retirees and has extended its voluntary support to other organisations beyond microfinance, such help for children and the disabled. MicroFinance sans Frontières (mfsf) provides mfis in emerging countries with technical support. it has organised more than 20 missions since its creation in 2007 in partnership with organisations and networks such as sidi, Horus, Pamiga, agroinvest and the aga Khan foundation. to date, more than one hundred volunteers have expressed an interest in making their skills available to mfsf. in 2009, bnP Paribas fortis established contact with mfsf, which resulted in the recruitment of some fifty new potential volunteers. as a result of its growing success, mfsf has restructured its organisation. since december 2009, it has become an official association with an employee provided by the bank, which will enable it to develop its activity and missions abroad. mfsf’s mission in burkina faso Florence, a young branch manager in the south of France, decided to help microFinance sans Frontières (mFsF). With the professional skills she had developed through her day-to-day work, her interest in microfinance and her ability to adapt, she became a mFsF volunteer in 2009. in november 2009, she took travelled to burkina faso to take part in a project run by a microfinance institution. she was put in touch with the institution by an ngo called pamiga (participatory microfinance group for africa). pamiga’s mission is fully in line with the spirit of microfinance sans frontières: bnP Paribas’ suburbs project: commitment to suburban renewal in december 2005, just after the urban rioting that spread across france, bnP Paribas decided to set up a new scheme called Projet Banlieues in addition to the initiatives the group was already taking to promote employment and social inclusion. co-ordinated by the bnP Paribas foundation and supported by the retail banking network, Projet Banlieues relied on the foundation’s ten years of experience in outreach work, especially through its partnerships with the leading national outreach associations. its two main partners in this field are adie, which provides microloans to the unemployed and people on income support to help them set up their own business ventures, and the association de la fondation Étudiante pour la ville (afev), which recruits volunteer students to help youngsters from difficult neighbourhoods with their school work. Projet Banlieues has three focuses: creating jobs through microloans in partnership to provide skills on a volunteer basis where technical assistance is required. florence analysed the lending procedures of an association of village institutions (Caisses villageoises de crédit et d’epargne Autogérée or CveCas) and made recommendations to improve them. cvecA boucle du mouhoun has operated in burkina faso since 2002. it has 59 operational units and almost 30,000 members, and it finances agricultural activities. florence spent eight days with the institution, which benefited from her expertise and her perspective as an outsider. 85 <strong>RepoRt</strong> on CoRpoRate SoCial and enviRonmental ReSponSibility with adie, educational support for struggling youngsters in partnership with afev, and support for community projects undertaken by local associations in difficult neighbourhoods. because of its excellent results, Projet Banlieues, which was originally due to expire in 2008, was renewed on the same basis for a further three years from 2009 to 2011. in 2009, support from bnP Paribas led to: — increased action by afev in sensitive urban areas, with the involvement of more than 1,000 extra students, resulting in help for around 1,400 more young people; — support for 104 community initiatives, including renewals, focusing on education, integration into the world of work, integration through sport and culture and training; — contributions totalling around eur 950,000 to schools in sensitive urban areas through the apprenticeship tax. having seen how the process worked at the grass‑roots level, Florence developed control solutions and improved procedures in line with her original assignment. as she says, “you have to adapt and be pro-active.” this first assignment enabled florence to increase her understanding of microfinance and the specific features of burkina faso. it helped her to gain a fresh perspective on her work in france and to hone her technical skills.
micro-financed business start-ups in partnership with Adie with the support of bnP Paribas, adie has been able to open nine branches in sensitive districts of marseille, toulouse, lyon, evry, aulnay-sous-bois, asnières (2), clichy and montpellier. in four years, 1,868 microloans have been granted by these branches, financing more than 1,387 business start-ups. 65% of people receiving loans through the projects are on basic benefits. 16% are self-employed people who set up their business before finding out about adie’s services, and who required financing. french retail banking’s partnership with adie has several aspects. french retail banking provides a credit facility, increased to eur 8 million in 2009, to cover part of the risk of non-collection, and contributes eur 380,000 to adie’s operating expenses. in addition, bnP Paribas has a special offer for entrepreneurs supported by adie: esprit libre Pro, which includes basic business banking services, is provided free of charge for one year, and then half-price until the expiry of the adie microloan. educational programmes in partnership with Afev in 2009, as part of the Projet Banlieues programme, afev opened five new branches in lille, montpellier, bordeaux, nantes and marseille, bolstered its lyon, toulouse and saint-denis branches, and recruited six permanent staff. as a result, it was able to support almost 1,400 more children, which was better than initially expected. afev also recruited 1,000 more volunteer students as a result of its involvement in these new vulnerable neighbourhoods. micRo-finAnced business stARt-ups in pARtneRship With Adie Microloans granted (= number of people receiving financing) Total 2006 6 branches 2007 6 branches 86 <strong>RepoRt</strong> on CoRpoRate SoCial and enviRonmental ReSponSibility 2008 7 branches 2009 9 branches 1,868 100 348 660 754 Business start-ups 1,387 100 295 472 520 pRoJet bAnlieues - Afev 2009 Additional students helping with Projet banlieues Additional children supported by Projet banlieues Évry 45 55 Lyon 200 250 Nice 130 145 Rouen 70 85 Toulouse 200 300 Saint-denis 60 180 Lille 30 50 Monptellier 30 50 Bordeaux 40 40 Nantes 100 120 Marseille 100 110 TOTAL 1,005 1,385 support for initiatives undertaken by neighbourhood associations we know that local associations working in difficult neighbourhoods very often play an important role through their community projects. we therefore decided to reach out to them and provide financial support for their initiatives. the priority regions are alpes-maritimes, eure, Haute-garonne, rhône, seine-maritime, essonne, seinesaint-denis, bas-rhin, bouches-durhône and loire-atlantique. in 2009, the bnP foundation supported 104 community initiatives. they focus mainly on culture and sport, education, training, professional and social inclusion, leisure and disabilities. “femmes relais“ association in aulnay-sous-bois (france) © Philippe cibille
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RepoRt on enviRonm
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meSSage fRom the ChaiRman and the C
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History 1966 creation of bnp the me
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RetAil banking over 7,000 branches
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a global leader and major player in
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Key figures Revenues (in millions o
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the gRoup’S appRoaCh bnP Paribas/
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combining csr and economic performa
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internal controls the group has an
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vigeo vigeo is europe’s leading s
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np paRibaS and itS sHareHolders 20
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changes in share ownership changes
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AveRAge monthly shARe pRices And mo
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nP Paribas uses two comparative met
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vidual shareholders and investors,
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annual general meeting bnP Paribas
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internet voting) are donated in add
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Page 37 and 38: eakdoWn bY geograpHiC area 2006 200
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Page 55 and 56: nP Paribas/new york bnP Paribas/lyo
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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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