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

Consolidated FInancial statementsLIABILITIES AND SHAREHOLDERS’ EQUITYIn millions of euros, at 31 December 2004 2003 2002Interbank and money-market items (note 14):Due to central banks and post office banks 256 60 159Due to credit institutions 244,707 191,194 177,746Total interbank and money-market items 244,963 191,254 177,905Customer items (note 15) 237,712 210,621 195,569Debt securities:Retail certificates of deposit (note 15) 6,712 4,933 6,708Interbank market securities (note 14) 1,175 1,025 1,025Negotiable certificates of deposit (note 15) 83,844 67,014 64,913Bonds, including short-term portion (note 16) 11,094 9,952 11,260Other debt instruments 1,141 177 151Total debt securities 103,966 83,101 84,057Technical reserves of insurance companies (note 17) 69,378 61,808 56,526Accrued expenses and other liabilities (note 18) 198,128 184,820 145,836Badwill (note 12) 15 18 22Provision for contingencies and charges (note 19) 3,764 4,045 4,144Subordinated debt (note 20) 12,242 13,226 14,283Reserve for general banking risks (note 21) 752 843 997Minority interests in consolidated subsidiaries (note 22) 4,824 5,019 4,535Shareholders’ equity (note 22):Share capital 1,769 1,806 1,790Additional paid-in capital in excess of par and premium on acquisition 10,340 11,017 10,804Retained earnings 13,417 11,737 10,556Net income 4,668 3,761 3,295Total shareholders’ equity 30,194 28,321 26,445Total liabilities and shareholders’ equity 905,938 783,076 710,319,COMMITMENTS RECEIVEDFinancing commitments received (note 23) 35,251 43,976 21,536Guarantees and endorsements received (note 23) 50,212 42,951 43,824Commitments related to securities to be received (note 23) 9,570 7,852 15,037Insurance company commitments 1,807 2,801 2,065195BNP PARIBAS - ANNUAL REPORT 2004