2023 Integrated Report

OUR SOLUTIONS

Everyday banking
Payments
Advisory
Financing
Investments
Savings
Protection

OUR VALUE CREATION

For all our stakeholders: customers, shareholders and investors, employees, partners and suppliers, local authorities and civil society.

Promoting useful innovation for our customers(individuals, entrepreneurs, SMEs and mid-caps, large companies, institutional clients, community organisations)

900 application programming interfaces (APIs) enabling700 million transactions per month on the Group’s API platforms
45% of applications using the cloud
Nickel: nearly 3.7 million accounts opened since its creation in France, Spain, Belgium and Portugal, as well as the start of operations in Germany in September 2023

Encouraging sustainable growth for the economy

€254bn in assets under management in BNP Paribas Asset Management open-ended funds distributed in Europe, classified as article 8 or 9 according to the SFDR regulation⁽⁵⁾
€32bn in loan exposure to low-carbon energy production⁽⁶⁾ at end-September 2023
€67bn in sustainable bonds issued for customers in 2022 and 2023⁽⁷⁾

Developing our contribution to society

Over €90m budget for the Group’s corporate philanthropy in 2023 (including €20m from the budgets accompanying its share buyback programme)
€6.8bn in taxes paid in 2023
Over 1,000 employees committed to mentoring in France
1,268,515 hours in solidarity initiatives carried out by employees (#1MillionHours2Help) in 2022 and 2023

(5) Figure as at 31 December 2023. The European Sustainable Finance Disclosure Regulation (SFDR) identifies funds according to their sustainability potential. The article 8 classification concerns funds declaring that social and/or environmental criteria are taken into account. The article 9 classification concerns funds with a sustainable investment objective. (6) Renewable energies, biofuels and nuclear. (7) Cumulative amount over the 2022-2023 period of all types of bonds identified as sustainable, according to the guidelines of the International Capital Market Association issued by corporate clients, financial institutions and sovereign clients and arranged by BNP Paribas.