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

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Other companies Group voting Group ownershipinterest (%) interest (%)Other business units (cont’d)Paribas Management Services Ltd United Kingdom 100.00% 100.00%Paribas North America United States 100.00% 100.00%Paribas Participation Limitee Canada 100.00% 100.00%Paribas Trust Luxembourg Luxembourg 100.00% 100.00%Parritaye Pty Ltd Australia 100.00% 100.00%Placement Gestion. Finance Holding - Plagefin Luxembourg 99.99% 99.99%Sagip Belgium 100.00% 100.00%Proportionally-consolidated companiesFinancial institutions Group voting Group ownershipinterest (%) interest (%)Outside franceCredit institutionsEuropeBNP AK Dresdner Bank AS Turkey 30.00% 30.00%Findomestic Italy 50.00% 50.00%Other financial institutionsEuropeBNP AK Dresdner Financial Kiralama Turkey 29.99% 29.99%Other companies Group voting Group ownershipinterest (%) interest (%)In FranceInsuranceNatio Assurance 50.00% 50.00 %Real estateSAS Bègles Arcins 50.00% 26.65%SAS Cecobil 50.00% 26.65%SAS Soaval 50.00% 19.99%SAS Espace Cordeliers 50.00% 26.65%SAS Le Havre Lafayette 50.00% 26.65%SAS Le Havre Vauban 50.00% 26.65%SCI Antin Vendôme 50.00% 26.65%SCI du Bassin Nord 50.00% 26.65%Outside FranceInsuranceCentro Vita Assicurazioni SPA Italy 49.00% 49.00%Real estateEffe Kappa SRL Italy 50.00% 26.65%Galiera Parque Nascente SA Portugal 50.00% 26.65%Gondobrico Portugal 50.00% 26.65%IGC Italy 50.00% 26.65%Plaza Centers Management Hungary 50.00% 26.65%PSG Italy 50.00% 19.99%Companies carried under the equity methodFinancial institutions Group voting Group ownershipinterest (%) interest (%)In FranceCredit institutionsAxa Banque Financement (formerly Axa Crédit) 35.00% 35.00%220BNP PARIBAS - ANNUAL REPORT 2004
Consolidated FInancial statementsCaisse d’Épargne Financement - Cefi 33.00% 33.00%Cofidis International Group 15.00% 15.00%Cofinoga (Group) 44.00% 44.00%Société Paiement Pass 40.01% 40.01%Companies carried under the equity methodFinancial institutions Group voting Group ownershipinterest (%) interest (%)Other financial sector companyVerner Investissements (Group) 38.90% 38.90%Outside franceCredit institutionsEuropeFortis Crédit Belgium 45.00% 45.00%Servicios Financieros Carrefour EFC SA Spain 40.00% 40.00%Other financial sector companiesEuropeCentro Leasing Spa Italy 37.30% 37.28%AmericasCarrefour Administration Cartos de Creditos - CCAC Brazil 40.00% 40.00%Other companies Group voting Group ownershipinterest (%) interest (%)In FranceBNP Paribas Partners for Innovation 50.00% 50.00%Finaxa 13.04% 20.90%Laser 9.01% 9.01%Outside FranceReal estateDevimo Consult Belgium 35.00% 13.99%Galiera Comercial e Assago Italy 20.00% 20.00%OtherCompagnie Benelux de Participations - Cobepa Belgium 25.00% 25.00%Cobepa - Cippar Belgium 25.00% 25.00%Cobepa - Cobepa Finance Luxembourg 25.00% 25.00%Cobepa - Compagnie de Participations Internationales NV Netherlands 25.00% 25.00%Cobepa - Copabel SA Belgium 25.00% 25.00%Cobepa - Groupe Financier Liégeois Belgium 24.90% 24.90%Cobepa - Ibel Belgium 25.00% 25.00%Cobepa - Mascagni Belgium 25.00% 25.00%Cobepa - Paribas Deelnemingen NV Netherlands 25.00% 25.00%Cobepa - Regio Invest Ontwik Maats Belgium 25.00% 25.00%Cobepa - SA Mosane Belgium 25.00% 25.00%Cobepa - Sté Financière et de Réalisation Belgium 25.00% 25.00%Cobepa - Tradexco SA Belgium 25.00% 25.00%Cobepa - Ulran Luxembourg 25.00% 25.00%Fischer Francis Trees and Watts United States 24.90% 81.44%221BNP PARIBAS - ANNUAL REPORT 2004
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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
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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 %)
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104sustainable development105- the
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106sustainable development107Employ
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108sustainable development109Lastly
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110sustainable development111relati
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112sustainable development113Qualit
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114sustainable development115BNP Pa
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116sustainable development117Vendor
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118118119119sustainable development
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120sustainable development121Partne
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122développement durable123Chetan
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124sustainable development125This p
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126sustainable development12750 art
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128sustainable development129BNP Pa
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10101001010010100100101010101000011
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132board of directors133Jacques Fri
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134EXTRACTS FROM THE BOARD OF DIREC
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136report of the chairman137• The
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138report of the chairman139de l’
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140report of the chairman141• the
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142report of the chairman143As part
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144report of the chairman145for con
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146report of the chairman147to comb
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148report of the chairman149Human r
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150remuneration151remunerationRemun
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152remuneration153Remuneration of o
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154remuneration155Information on st
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Financialand legalinformation
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ACTIVITY2004 REVIEW OF OPERATIONSCO
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RESULTS OF EACH CORE BUSINESS1 - RE
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The Retail Banking business in Emer
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The core business’ operating expe
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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
Page 186 and 187: Credit and Counterparty Risks, comp
Page 188 and 189: ates (market rates and signature sp
Page 190 and 191: Group Tax Affairs resources include
Page 192 and 193: fundamentally sound companies that
Page 194 and 195: • GEaRThe Bank measures Value at
Page 196 and 197: asis for hedging decisions taking i
Page 198 and 199: BNP PARIBAS - ANNUAL REPORT 2004192
Page 200 and 201: CONSOLIDATED BALANCE SHEETASSETSIn
Page 202 and 203: CONSOLIDATED PROFIT AND LOSS ACCOUN
Page 204 and 205: APPENDICESNOTE 1ACCOUNTING POLICIES
Page 206 and 207: association, provided that the Grou
Page 208 and 209: However, when the market value of l
Page 210 and 211: fixed income instruments (whether f
Page 212 and 213: In order to reflect what appeared t
Page 214 and 215: countries in which they operate. In
Page 216 and 217: NOTE 2 - SCOPE OF CONSOLIDATIONChan
Page 218 and 219: Fully-consolidated companiesFinanci
Page 220 and 221: Financial institutions Group voting
Page 222 and 223: Financial institutions Group voting
Page 224 and 225: Other companies Group voting Group
Page 228 and 229: NOTE 3INTERBANK AND MONEY-MARKET IT
Page 230 and 231: NOTE 5TRANSACTIONS ON TRADING ACCOU
Page 232 and 233: NOTE 6INSURANCE COMPANY INVESTMENTS
Page 234 and 235: NOTE 7 (CONT’D)INVESTMENTS IN NON
Page 236 and 237: NOTE 8 (CONT’D)PROVISIONS FOR CRE
Page 238 and 239: NOTE 10LONG-TERM INVESTMENTSIn mill
Page 240 and 241: NOTE 12GOODWILLIn millions of euros
Page 242 and 243: NOTE 15CUSTOMER DEPOSITS, RETAIL CE
Page 244 and 245: NOTE 17TECHNICAL RESERVES OF INSURA
Page 246 and 247: NOTE 20SUBORDINATED DEBTIn millions
Page 248 and 249: NOTE 22CONSOLIDATED SHAREHOLDERS’
Page 250 and 251: NOTE 22 (CONT’D)CONSOLIDATED SHAR
Page 252 and 253: NOTE 22 (CONT’D)CONSOLIDATED SHAR
Page 254 and 255: NOTE 24FORWARD AND OPTIONS CONTRACT
Page 256 and 257: NOTE 25BNP PARIBAS GROUP EXPOSURE T
Page 258 and 259: NOTE 26 (CONT’D)SECURITISATIONS
Page 260 and 261: NOTE 28MATURITY SCHEDULE OF LOANS,
Page 262 and 263: NOTE 31NET INTEREST INCOME (EXPENSE
Page 264 and 265: NOTE 34UNDERWRITING RESULT AND NET
Page 266 and 267: NOTE 36STOCK OPTION PLANS1 - BNP PA
Page 268 and 269: NOTE 37GAINS (LOSSES) ON DISPOSALS
Page 270 and 271: NOTE 39SEGMENT INFORMATION• Incom
Page 272 and 273: NOTE 41BNP-PARIBAS MERGER-RELATED R
Page 274 and 275: • 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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