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SOCIETAL INDICATORS

THE BNP PARIBAS GROUP’S SUPPORT FOR MICROFINANCE INSTITUTIONS (MFIS)

BNP Paribas regards microfinance as a means of combating economic and social exclusion. That is why the Group has been investing for more than 20 years in the development of microcredit.

SUPPORT FOR MFIS IN MATURE MARKETS 2012 2013 2014
Financing commitments (€ millions) 15.37 45.57 56.13
Investment commitments (€ millions) 6.28 6.48 6.92
Donations (€ millions) 1.47 1.92 2.38
SUPPORT FOR MFIS IN EMERGING MARKETS 2012 2013 2014
Number of MFI partners 24 26 29
Number of borrowers 134,926 133,123 248,322
Financing commitments (€ millions) 33.1 41.5 74
Investment commitments (€ millions) 0.6 0.8 0.85

Overall, in 2014, BNP Paribas’ support for microfinance totalled €176 million, up 34% on 2013. This increase in 2014 first concerned mature countries (France, Italy, Belgium, United Kingdom, United States), with €56 million in loan commitments at end-2014 (+51% compared to end-2013). As such, the Group is one of the leading banking partners of Adie (Association pour le droit à l’initiative économique - Association for the right to economic initiative) in France, Permicro in Italy, Fair Finance in the U.K. and Microstart in Belgium. Emerging countries (Brazil, Colombia, China, Ivory Coast, India, Indonesia, Morocco, Poland, Senegal, Tunisia and Vietnam) represent €74 million of loan commitments as at end-2014 (+47% compared to end-2013). In India, loan commitments thus increased from €7 millionto €27 million in respect of 15 institutions supported (comparedto 9 institutions in 2013).

SRI ASSETS UNDER MANAGEMENT IN EUR BILLIONS

31/12/2011 15.1
31/12/2012 20.1
31/12/2013 19.85
31/12/2014 20.9

FACILITATING ACCESS TO BANKING SERVICES IN EMERGING MARKETS

In many emerging countries (North Africa, Sub-Saharan Africa, etc.), the low rate of banking access hinders the development of local economies. Teams from International Retail Banking thus created simplified service offerings for access to banking services at a price well below that of standard packages and in partnership with telephone operators: Pack Trankil in Senegal, Ivory Coast, Mali and Burkina Faso, Pack Mertah in Morocco. At the end of 2014, 8 million people were clients of these mobile banking services, i.e. 2.7 million more than the previous year.

FINANCIAL EDUCATION

By financial-education programmes, we mean one or more sessions raising awareness or introducing basic financial concepts. This may include training in how a bank works, a session on how to prevent young people from getting into too much debt, or a budgeting course for people experiencing financial difficulties.

In 2014, more than 300,000 people had followed one such programme, sometimes in collaboration with an association, but always designed and/or led by Group employees.

NUMBER OF BENEFICIARIES OF A FINANCIAL-EDUCATION PROGRAMME 2012 2013 2014
Domestic markets 48,212 76,391 177,554
Other markets 43,515 158,261 123,268
Total 91,727 234,652 300,822

APPLICATION OF THE EQUATOR PRINCIPLES (EP)

2012 2013 2014
Number of transactions reviewed during the year 13 21 26
Category A transactions during the year 2 3 6
Category B transactions during the year 10 13 18
Category C transactions during the year 1 5 2

In 2014, BNP Paribas reviewed 26 transactions in accordance with the Equator Principles, compared with 21 in 2013. In 2014, in addition to its duties as a member of the EP Steering Committee, BNP Paribas jointly led the “Insurance” working group which brought together 18 banks and 3 major consulting firms. Its aim is to create a guide to ensure that the Equator Principles are applied correctly by the signatory institutions. Many of the EP training sessions were also offered to BNP Paribas employees throughout the world (France, Switzerland, United Kingdom, United States).