2012 Registration document and annual financial report - BNP Paribas

A RESPONSIBLE BANK: INFORMATION ON BNP PARIBAS’ ECONOMIC,SOCIAL, CIVIC AND ENVIRONMENTAL RESPONSIBILITYEnvironmental responsibility: combating climate change7THE GROUP’S ACTIONS IN SUPPORT OFRETAIL CUSTOMERSThrough its various business lines, consumer credit, vehicle long-termleasing, real-estate development & management, BNP Paribas offersproducts and services to retail customers wishing to reduce their impacton the environment.■ Domofinance, a joint venture between EDF and BNP Paribas PersonalFinance, specialising in financing for energy consumption management,has seen an increase in business, with more than 52,000 projectsfinanced in 2012 alone. During this last year, industrial manufacturersof equipment used to reduce household consumption agreed to improveloan offers with Domofinance, which helped maintain sales levelswhile enabling end customers to benefit from highly advantageousloans. Similarly, in response to market demand, in 2012 Domofinancedesigned an offer intended to help carry out energy renovation workin collective housing, particularly co-owned property. By allowing asyndicate of co-owners, i.e. a legal entity, to borrow on behalf of coownerswho agreed, Domofinance is now meeting energy renovationneeds for all types of housing, both individual and jointly owned.Since the structure was set up, more than 330,000 projects havereceived tailored financing, allowing for energy savings in 2012at a level equivalent to the annual consumption of around 30,000households.■ Arval, a BNP Paribas subsidiary specialised in long-term leasing ofmultibrand vehicles, has developed innovative solutions to help itscustomers reduce their environmental impact.■■■Arval experts offer their customers vehicles best suited to theirneeds, thanks to their knowledge of the latest innovations in engineefficiency and alternative fuel. As a result of their advice, vehicleCO 2emissions are cut by around 5 tonnes per vehicle during theduration of the contract.An eco-driving training programme teaches drivers how to usetheir vehicles more efficiently. Initially, increased awareness ofbest practice enables drivers to cut their consumption by around5% (e.g. driving with tyres inflated at only 60% of the recommendedlevel causes over-consumption of 1 litre per 100); subsequently, thetraining aims to bring about a real change in behaviour, and to cutfuel consumption and CO 2emissions by 8% to 14%.Arval also made road safety a key part of its corporate responsibilityby developing dedicated training on this subject in 2012.■Finally, thanks to the company’s AutoPartage offer, Arval customerscan rationalise their travelling costs while reducing theirenvironmental footprint.■ BNP Paribas real estate confirmed its commitment to sustainabledevelopment in its various activities in 2012.■■■■■In property development, all new projects are carried out accordingto the strictest environmental standards, with their quality officiallycertified by independent organisations:■■in the service sector, all office buildings are certified “HQE”(high environmental quality), with a performance level rated“excellent” or even “exceptional”, as in the case of the Citylightsrenovation project for the Pont de Sèvres towers in Boulogne-Billancourt. Several projects have received double or even triplecertification, HQE-BREEAM-DGNB for example, to reflect variousinternational standards;in the residential segment, all housing is labelled “BBC” (lowconsumptionbuilding), and is mostly also certified “Habitat etEnvironnement” by Cerqual;An Eco-suppliers charter has been set up in order to select the bestproducts and best practice on sustainable development criteria.In Investment Management, an energy audit programme has beenlaunched for all buildings becoming vacant, in order to build up aprogramme of improvement works. Several renovation projects haveobtained or are committed to the BBC renovation label, or the newNF certification, “ Bâtiment Tertiaire HQE Rénovation” .BNP Paribas Real Estate was awarded the “ Prix de l’Excellence” byCertivéa in 2012, for the first project to be certified “ HQE Rénovation”in France (Vélizy Green, owned by the real estate investment trust,Investipierre).In Property Management, the final touches were put to E@sytech, anew real estate data reporting tool, allowing for better monitoringand optimisation of energy consumption. The interactive portal isaccessible to all players involved in managing a building: notably,owners, users and service providers.In its 2012 survey of building eco-performance reporting, Novethicranked BNP Paribas Real Estate no. 6 in the property developmentsector.72012 Registration document and annual financial report - BNP PARIBAS 417