2012 Registration document and annual financial report - BNP Paribas

7ARESPONSIBLE BANK: INFORMATION ON BNP PARIBAS’ ECONOMIC,SOCIAL, CIVIC AND ENVIRONMENTAL RESPONSIBILITY“Civic” responsibility: helping to combat social exclusion and promoting education and cultureCOMBATING POVERTY AND EXCLUSIONMicrofinance and support for socialentrepreneurshipLongstanding support for social and solidarity-basedeconomyThe social and solidarity-based economy may be represented by threeconcentric circles of unequal size.The first circle represents microfinance and microcredit.The second represents the highly diverse world of social entrepreneurship.The third and largest stands for the associative and cooperative sectorsand the public sector agencies.BNP Paribas is very active in the social and solidarity-based economyin general. With specific monitoring and a particular offering, the Groupenjoys a leadership position in financing for associations, with a marketshare of 12% in France, 27% in Belgium, 50% in Luxembourg and 60%in Italy.BNP Paribas plans to step up its involvement in social entrepreneurshipand microfinance.In 2012, the Group’s support for these last two sectors amounted to morethan EUR 100 million, including:■ EUR 76.5 million to support microfinance in 19 countries, including14 emerging countries;■ EUR 26.1 million to support social entrepreneurship in France.➤ SUPPORT AMOUNTING TO MORE THANEUR 100 MILLION VIA VARIOUS LEVERSSocial and Solidarity - based Economy(SSE)in millions of euros / % of total19.1 (18%)Employee savingsSocial Entrepreneurship(SE)48.4 (47%)IMF financing14.1 (14%)Customer savingsMicrofinance3 (3%)Other(o/w ESAT, MC pers.)11.9 (12%)Equity6.1 (6%)Loans to SEs in France7“ Les Audacieux” exhibition: 36 micro-entrepreneur storiesBNP Paribas initiated and organised an exhibition entitled “ LesAudacieux” , highlighting 36 men and women who have beensupported by Adie, France’s pioneering microcredit association,and who were photographed by the Magnum Photos agency. TheGroup’s ambition is to promote entrepreneurs who lack access tobank credit and are realising their plans by means of microcredit,and to salute their boldness, courage and determination. Thisscenographic installation, designed for public spaces, will travelto several French cities, including Lille, Lyon, Nantes, Bordeaux,Marseille and Metz. The first stop on the tour was Paris, from25 October to 18 November 2012, during the Mois de la Photo(Photography Month).■■EventsDuring the 2012 Solidarity Finance Week, BNP Paribas EpargneRetraite Entreprise organised the first Solidarity Meeting to givethose working to foster social entrepreneurship an opportunity toget to know one another.For the third consecutive year, BGL BNP Paribas sponsored theEuropean Microfinance Week, an annual event organised bythe European Microfinance Platform, which was held from 14to 16 November 2012, and welcomed more than 450 peoplefrom 43 countries. The guest of honour was Muhammad Yunus,Chairman of the Yunus Centre and winner of the 2006 Nobel PeacePrize.4062012 Registration document and annual financial report - BNP PARIBAS