2007 REGISTRATION DOCUMENT

1 TheTHE BNP PARIBAS GROUPGroup’s core businesses and divisionsAt 31 December 2007, BNP Paribas Personal Investors had 1.56 millionclients and EUR 32 .2 billion worth of managed assets, with 37% inequities, 43% in savings products or mutual funds and 20% in cash.BNP Paribas Personal Investors employs 4,147 people.The goal of BNP Paribas Personal Investors is to be a leading brokerin personal investment and online trading services in Europe and ininternational markets that offer strong savings potential, such asemerging markets.PRIVATE BANKINGPrivate Banking offers high value-added products and services designedto respond to the expectations of a sophisticated, wealthy clientele.The Private Banking offering includes:■ wealth management services: estate planning and advisory on holdingstructures;■ financial services: advisory on asset allocation, investment products,securities, discretionary portfolio management;■ expert advisory in specific fields: art, real estate and rural propertyin particular.The Private Banking model is based on the notion of global advisoryand servicing along the whole wealth cycle. To provide its clients withproducts and services that best fit their individual needs, BNP ParibasPrivate Bankinghas adopted an open architecture approach in terms ofoffering. It hence creates wealth solutions sourced from the Group’sother businesses (Asset Management, Securities Services, Insurance,Corporate Finance, Fixed Income, Equity Derivatives, etc), as well asexternal providers.BNP Paribas Banque Privée employs over 4,300 dedicated professionalsand is present in over 30 countries, primarily in the major private wealthmanagement centres in Europe and Asia.BNP Paribas Private Banking is n°1 in France with EUR 63 billion inclient assets and a reinforced network of 222 Private Banking Centresnationwide, plus a wealth management department specialising inclients with more than EUR 5 million in assets. It ranks n°5 in WesternEurope, where it is rapidly developing its presence in domestic markets(source: 2008 Euromoney rankings), and is one of the top three PrivateBanks in Asia (source: Asiamoney 2007 rankings).At end-2007, BNP Paribas Private Banking overall held over EUR 157 billionof client assets on behalf of its clients.REAL ESTATE SERVICESWith 3,500 employees, BNP Paribas Immobilier is continental Europe’sleading provider of real estate services to companies and one of France’smajor players in residential property.It offers a range of services that is unrivalled in Europe, both in terms ofits geographical reach and the diversity of its business offerings.European networkIn commercial property, BNP Paribas Immobilier is active in 8 Europeancountries: France, the United Kingdom, Germany, Spain, Belgium,Luxembourg, Italy and Ireland, and also has 2 offices in New York and Kiev.In residential real estate, BNP Paribas Immobilier’s main activity is inFrance.Four complementary real estate businessesTransactions, a dvisory s ervices, v aluationsIn commercial property, Atisreal markets office space and industrial orbusiness premises and provides advisory services (space use, technicalengineering, market and location research, feasibility studies), andvaluations:■ n°1 in France, Germany and Luxembourg (1) ;■ among the Top 10 in the United Kingdom (1) .In residential property, the Espaces Immobiliers BNP Paribas networkis one of the major selling groups for new and previously-occupiedresidential units.Property ManagementBNP Paribas Real Estate Property Management manages 21.5 millionsq.m. of commercial property in Europe, including more than 10.5 millionsq.m. in France where it is the market leader (1) .In residential properties, it manages more than 33,000 housing units,including more than 5,500 units in serviced residences.Property DevelopmentMeunier is France’s 3rd-largest real estate developer (2) :■ n°1 in commercial properties with Meunier Immobilier d’Entreprise;■ among the Top 10 in residential properties with Meunier Habitat.Real Estate Investment ManagementBNP Paribas Real Estate Investment Management and BNL FondiImmobiliari manage EUR 7 billion of assets in France, where the Groupis one of the leading SCPI property fund managers, and in Italy.INSURANCE< Contents >BNP Paribas Assurance designs and markets its products and servicesunder two brands: BNP Paribas for products distributed by the BNP Paribasnetwork in France and Cardif for the other networks and distributionpartners in France and international markets.It operates in 42 countries including 25 in Europe, 7 in Asia, 6 in LatinAmerica, 2 in North America and 2 in Africa.■ The savings business includes the sale of life insurance policies toindividuals in 13 countries. In France, it offers companies Grouppension products, end-of-career bonuses and early retirementbenefits.12345678910(1) « Classement des promoteurs » published by Le Moniteur in November 2007.(2) « Classement des promoteurs » published by Innovapresse in June 2007.11102007 Registration document - BNP PARIBAS