La banque d'un monde qui change 2004 - BNP Paribas

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Seti@homeAlex OultonParticipant in Seti@home, ITBNP Paribas - TokyoFor decades, people have been transmittingmessages of friendship across the Cosmosin the hope of establishing contact withintelligent life beyond Earth. So far,barring the possibility of a cover-upby scientists, no answer has beenreceived. Researchers from the Searchfor Extraterrestrial Intelligence Institute(Seti), a project based in the Universityof California Berkeley, have been working onthe assumption that perhaps extraterrestrialsmay be trying to contact us. For several years,they have been using a giant radio-telescope“to scan” the Cosmos for radio signals fromouter space. But given the magnitudeof the Universe, even the most powerfulsupercomputer would find it impossible toprocess the mountains of data thatSeti’s computers at Berkeley receivein real time. “Around the world,millions of computer workstations are leftrunning at night when systems are idle.”Even when users are in front of their screens,much of the time their computers are not busy.“By installing a small program that runsin the background, this processing capacitycould be exploited for other purposes.”For example, to examine the skyfor signals from extraterrestrials...“Thanks to the distributed computing powerof thousands of networked computers,radio-telescope data can be analysedmuch more quickly.” But the spare CPUcycles of computers can also be put to otheruses here on Earth, such as in the searchfor multi-million digit prime numbers.Thousands of HomeComputers Listening tothe Sounds of the Universe01001001010101001001001011111010100100000100110010101010100010010101001010010100100101010
10101001010010100100101010101000011 0110110101011101011110101111011011110100001111011011101000001101010010101010101010110101010010010101010010010101010010010010111110101001000001001100101010101001010100101001010010101010010101101000011 011011010101110101111010111101101111010000111101101110100000110101001010101010101011010101001001010100011 01101101010111010111101011110110111101000011110110111010000011010100101010101010101101010100100101010100100101010100100100101111101010010000010011001010101130développement durable131
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contentsKey Figures 2-3Chairman’s
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2key Figures3Net banking incomeby c
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4chairman‘s and chief executive o
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6executive committee7COMMITTEEBNP P
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8trademark portfolio9BNP Paribas op
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The bankfor a connected10the bank f
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12the bank for a connected world13C
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14the group‘s core businesses15Fi
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the Netherlands. UCB has also devel
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ices• The division’s savings bu
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14chiffres clés15GASSixty Partners
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18CORPORATE AND INVESTMENT BANKING1
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Equities andDerivatives22CORPORATE
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Bnp paribas london26CORPORATE AND I
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etailbankingFrench RetailBankingInt
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RATPChangeover Points, Hubs of Mixe
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IndividualclientsA fully operationa
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Personal loan businessoutpaces mark
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entrepreneursand freelanceprofessio
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The acquisition of Teisseire by Fru
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BIOVALEurope’s Largest Biotechnol
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internationalretail banking andf in
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• Outside France, new lending fur
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np paribaslease groupFollowing two
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ancwestThe sharp upturn in the Amer
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teb istanbulEmerging andOverseas Ma
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56retail banking57MANOBIExchanges o
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58asset management and services59
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6061asset management and servicesAM
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6263asset management and servicesco
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asset management et servicesPaving
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66asset management and services67Bn
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68asset management and services69bn
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70asset management and services71Ta
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72asset management and services73BN
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klépierre
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np paribascapital
Page 87 and 88: Patrick GeeraertHead of the Finance
Page 89 and 90: 82sustainable development83THE GROU
Page 91 and 92: 84sustainable development85• SAMS
Page 93 and 94: 86sustainable development87As a res
Page 95 and 96: 88sustainable development89BNP Pari
Page 97 and 98: 90sustainable development91Yield an
Page 99 and 100: 92sustainable development93Communic
Page 101 and 102: 94sustainable development95Liaison
Page 103 and 104: 96sustainable development97Dividend
Page 105 and 106: 98sustainable development99Disclosu
Page 107 and 108: HUMAN RESOURCESDEVELOPMENT100sustai
Page 109 and 110: 102sustainable development103(in %)
Page 111 and 112: 104sustainable development105- the
Page 113 and 114: 106sustainable development107Employ
Page 115 and 116: 108sustainable development109Lastly
Page 117 and 118: 110sustainable development111relati
Page 119 and 120: 112sustainable development113Qualit
Page 121 and 122: 114sustainable development115BNP Pa
Page 123 and 124: 116sustainable development117Vendor
Page 125 and 126: 118118119119sustainable development
Page 127 and 128: 120sustainable development121Partne
Page 129 and 130: 122développement durable123Chetan
Page 131 and 132: 124sustainable development125This p
Page 133 and 134: 126sustainable development12750 art
Page 135: 128sustainable development129BNP Pa
Page 139 and 140: 132board of directors133Jacques Fri
Page 141 and 142: 134EXTRACTS FROM THE BOARD OF DIREC
Page 143 and 144: 136report of the chairman137• The
Page 145 and 146: 138report of the chairman139de l’
Page 147 and 148: 140report of the chairman141• the
Page 149 and 150: 142report of the chairman143As part
Page 151 and 152: 144report of the chairman145for con
Page 153 and 154: 146report of the chairman147to comb
Page 155 and 156: 148report of the chairman149Human r
Page 157 and 158: 150remuneration151remunerationRemun
Page 159 and 160: 152remuneration153Remuneration of o
Page 161: 154remuneration155Information on st
Page 164 and 165: Financialand legalinformation
Page 166 and 167: ACTIVITY2004 REVIEW OF OPERATIONSCO
Page 168 and 169: RESULTS OF EACH CORE BUSINESS1 - RE
Page 170 and 171: The Retail Banking business in Emer
Page 172 and 173: The core business’ operating expe
Page 174 and 175: Interbank and money-market items. I
Page 176 and 177: RECENT DEVELOPMENTS11 February 2005
Page 178 and 179: CHANGES IN SHARE CAPITALNumber of s
Page 180 and 181: REGULATORY RATIOSInternational capi
Page 182 and 183: on retirement bonuses should be acc
Page 184 and 185: Realised gains and losses on availa
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Credit and Counterparty Risks, comp
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ates (market rates and signature sp
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Group Tax Affairs resources include
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fundamentally sound companies that
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• GEaRThe Bank measures Value at
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asis for hedging decisions taking i
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BNP PARIBAS - ANNUAL REPORT 2004192
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CONSOLIDATED BALANCE SHEETASSETSIn
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CONSOLIDATED PROFIT AND LOSS ACCOUN
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APPENDICESNOTE 1ACCOUNTING POLICIES
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association, provided that the Grou
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However, when the market value of l
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fixed income instruments (whether f
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In order to reflect what appeared t
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countries in which they operate. In
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NOTE 2 - SCOPE OF CONSOLIDATIONChan
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Fully-consolidated companiesFinanci
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Financial institutions Group voting
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Financial institutions Group voting
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Other companies Group voting Group
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Other companies Group voting Group
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NOTE 3INTERBANK AND MONEY-MARKET IT
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NOTE 5TRANSACTIONS ON TRADING ACCOU
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NOTE 6INSURANCE COMPANY INVESTMENTS
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NOTE 7 (CONT’D)INVESTMENTS IN NON
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NOTE 8 (CONT’D)PROVISIONS FOR CRE
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NOTE 10LONG-TERM INVESTMENTSIn mill
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NOTE 12GOODWILLIn millions of euros
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NOTE 15CUSTOMER DEPOSITS, RETAIL CE
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NOTE 17TECHNICAL RESERVES OF INSURA
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NOTE 20SUBORDINATED DEBTIn millions
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NOTE 22CONSOLIDATED SHAREHOLDERS’
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NOTE 22 (CONT’D)CONSOLIDATED SHAR
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NOTE 22 (CONT’D)CONSOLIDATED SHAR
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NOTE 24FORWARD AND OPTIONS CONTRACT
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NOTE 25BNP PARIBAS GROUP EXPOSURE T
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NOTE 26 (CONT’D)SECURITISATIONS
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NOTE 28MATURITY SCHEDULE OF LOANS,
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NOTE 31NET INTEREST INCOME (EXPENSE
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NOTE 34UNDERWRITING RESULT AND NET
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NOTE 36STOCK OPTION PLANS1 - BNP PA
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NOTE 37GAINS (LOSSES) ON DISPOSALS
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NOTE 39SEGMENT INFORMATION• Incom
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NOTE 41BNP-PARIBAS MERGER-RELATED R
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• BNP Paribas records provisions
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PARENT COMPANY FINANCIAL STATEMENTS
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PROFIT AND LOSS ACCOUNT OF BNP PARI
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debt securities. They also include
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• Debt Securities Held to Maturit
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Forward financial instruments are p
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Recognition of Revenue and Expenses
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SUBSIDIARIES AND AFFILIATESSubsidia
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Subsidiaries and affiliates Currenc
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ACQUISITIONSOF EQUITY INTERESTS BY
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SOCIAL AND ENVIRONMENTALINDICATORS
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NRE indicator 2004 Comments Scope c
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GENERAL INFORMATIONLEGAL INFORMATIO
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The Axa group has also given a comm
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STATUTORY AUDITORSNames and address
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COMBINED ANNUAL AND EXTRAORDINARYGE
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• Eighth resolution (Renewal of t
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• Seventeenth resolution (Amendme
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Capital increaseCash flowCECEICIBA
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Investment clubIRBIRFSISIN codeLBOL
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Prime brokeragePublic tender offerQ
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NOTES. . . . . . . . . . . . . . .
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www.bnpparibas.comHEAD OFFICE16, bo
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La banque d'un monde qui change 2004 - BNP Paribas

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