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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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20CORPORATE AND INVESTMENT BANKING2
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Equities andDerivatives22CORPORATE
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24CORPORATE AND INVESTMENT BANKING2
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Bnp paribas london26CORPORATE AND I
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28CORPORATE AND INVESTMENT BANKING2
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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
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Patrick GeeraertHead of the Finance
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82sustainable development83THE GROU
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84sustainable development85• SAMS
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86sustainable development87As a res
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88sustainable development89BNP Pari
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90sustainable development91Yield an
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92sustainable development93Communic
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94sustainable development95Liaison
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96sustainable development97Dividend
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98sustainable development99Disclosu
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HUMAN RESOURCESDEVELOPMENT100sustai
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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
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- 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 165 and 166: 159BNP PARIBAS - ANNUAL REPORT 2004
- Page 167 and 168: 2004 Review of OperationsOPERATING
- Page 169 and 170: 2004 Review of OperationsThe net ba
- Page 171 and 172: 2004 Review of OperationsThe Wealth
- Page 173 and 174: 2004 Review of OperationsBALANCE SH
- Page 175 and 176: 2004 Review of OperationsOUTLOOK (1
- Page 177 and 178: 2004 Review of OperationsAPPENDICES
- Page 179 and 180: 2004 Review of OperationsShareholde
- Page 181 and 182: 2004 Review of OperationsTRANSITION
- Page 183 and 184: 2004 Review of Operationsat 1 Janua
- Page 185 and 186: 2004 Review of Operationsfocus clos
- Page 187 and 188: 2004 Review of Operationsof busines
- Page 189 and 190: 2004 Review of OperationsThe BNP Pa
- Page 191 and 192: 2004 Review of OperationsRISKSGRM -
- Page 193 and 194: 2004 Review of OperationsDoubtful c
- Page 195 and 196: 2004 Review of Operations• the AL
- Page 197 and 198: 2004 Review of OperationsPremium ra
- Page 199 and 200: 193Consolidated FInancial statement
- Page 201 and 202: Consolidated FInancial statementsLI
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Consolidated FInancial statementsNO
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Consolidated FInancial statementsNO
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Consolidated FInancial statementsIN
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Consolidated FInancial statementsFi
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Consolidated FInancial statementsFi
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Consolidated FInancial statementsOt
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Consolidated FInancial statementsOt
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Consolidated FInancial statementsCa
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Consolidated FInancial statementsNO
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Consolidated FInancial statementsNO
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Consolidated FInancial statementsNO
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Consolidated FInancial statementsNO
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Consolidated FInancial statementsNO
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Consolidated FInancial statementsCo
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Consolidated FInancial statementsNO
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Consolidated FInancial statementsNO
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Consolidated FInancial statementsNO
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Consolidated FInancial statementsNO
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Consolidated FInancial statementsRe
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Consolidated FInancial statementsNO
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Consolidated FInancial statementsSt
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Consolidated FInancial statementsNO
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Consolidated FInancial statementsNO
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statutory auditorS‘ reportSTATUTO
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statutory auditorS‘ reportSTATUTO
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Parent company fInancial statements
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Parent company fInancial statements
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Parent company fInancial statements
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Parent company fInancial statements
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Parent company fInancial statements
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BNP PARIBAS SA FIVE-YEAR FINANCIAL
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Subsidiaries and afFiliatesLast pub
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Subsidiaries and afFiliatesLast pub
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PRINCIPAL ACQUISITIONSAND DISPOSALS
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Social and environmental indicators
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Social and environmental indicators
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Social and environmental indicators
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Social and environmental indicators
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Social and environmental indicators
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Social and environmental indicators
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Statutory auditors‘ special repor
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Statement by the statutory auditors
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We audited in accordance with Frenc
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Combined Annual and Extraordinary G
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Combined Annual and Extraordinary G
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GlossaryGLOSSARYAccretionReverse of
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GlossaryDividendEONIAEUREXEURIBOR (
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GlossaryOPA (Offre Publique d’Ach
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GlossarySPVT (Spécialiste en Pensi
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RAPHOPascal Dolémieux - Laurent Mo