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

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NOTES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 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. . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .318BNP PARIBAS - ANNUAL REPORT 2004
RAPHOPascal Dolémieux – Laurent Monlaü – Gilles Leimdorfer – Grégoire Korganow – Hervé BrugnotPhoto Credits: Getty images, Hans Neleman – Age/Hoa-quidesign and productionTerre de Sienne+33 1 55 19 19 19
Page 2 and 3:
contentsKey Figures 2-3Chairman’s
Page 5 and 6:
2key Figures3Net banking incomeby c
Page 7 and 8:
4chairman‘s and chief executive o
Page 9 and 10:
6executive committee7COMMITTEEBNP P
Page 11 and 12:
8trademark portfolio9BNP Paribas op
Page 13 and 14:
The bankfor a connected10the bank f
Page 15 and 16:
12the bank for a connected world13C
Page 17 and 18:
14the group‘s core businesses15Fi
Page 19 and 20:
the Netherlands. UCB has also devel
Page 21 and 22:
ices• The division’s savings bu
Page 23 and 24:
14chiffres clés15GASSixty Partners
Page 25 and 26:
18CORPORATE AND INVESTMENT BANKING1
Page 27 and 28:
Page 29 and 30:
Equities andDerivatives22CORPORATE
Page 31 and 32:
Page 33 and 34:
Bnp paribas london26CORPORATE AND I
Page 35:
Page 38 and 39:
etailbankingFrench RetailBankingInt
Page 40 and 41:
RATPChangeover Points, Hubs of Mixe
Page 42 and 43:
IndividualclientsA fully operationa
Page 44 and 45:
Personal loan businessoutpaces mark
Page 46 and 47:
entrepreneursand freelanceprofessio
Page 48 and 49:
The acquisition of Teisseire by Fru
Page 50 and 51:
BIOVALEurope’s Largest Biotechnol
Page 52 and 53:
internationalretail banking andf in
Page 54 and 55:
• Outside France, new lending fur
Page 56 and 57:
np paribaslease groupFollowing two
Page 58 and 59:
ancwestThe sharp upturn in the Amer
Page 60 and 61:
teb istanbulEmerging andOverseas Ma
Page 63 and 64:
56retail banking57MANOBIExchanges o
Page 65 and 66:
58asset management and services59
Page 67 and 68:
6061asset management and servicesAM
Page 69 and 70:
6263asset management and servicesco
Page 71 and 72:
asset management et servicesPaving
Page 73 and 74:
66asset management and services67Bn
Page 75 and 76:
68asset management and services69bn
Page 77 and 78:
70asset management and services71Ta
Page 79:
72asset management and services73BN
Page 82 and 83:
klépierre
Page 84 and 85:
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 and 136:
128sustainable development129BNP Pa
Page 137 and 138:
10101001010010100100101010101000011
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
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144report of the chairman145for con
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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
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ACTIVITY2004 REVIEW OF OPERATIONSCO
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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
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 226 and 227:
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
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NOTE 20SUBORDINATED DEBTIn millions
Page 248 and 249:
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
Page 256 and 257:
NOTE 25BNP PARIBAS GROUP EXPOSURE T
Page 258 and 259:
NOTE 26 (CONT’D)SECURITISATIONS
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NOTE 28MATURITY SCHEDULE OF LOANS,
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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
Page 276 and 277: PARENT COMPANY FINANCIAL STATEMENTS
Page 278 and 279: PROFIT AND LOSS ACCOUNT OF BNP PARI
Page 280 and 281: debt securities. They also include
Page 282 and 283: • Debt Securities Held to Maturit
Page 284 and 285: Forward financial instruments are p
Page 286 and 287: Recognition of Revenue and Expenses
Page 288 and 289: SUBSIDIARIES AND AFFILIATESSubsidia
Page 290 and 291: Subsidiaries and affiliates Currenc
Page 292 and 293: ACQUISITIONSOF EQUITY INTERESTS BY
Page 294 and 295: SOCIAL AND ENVIRONMENTALINDICATORS
Page 296 and 297: NRE indicator 2004 Comments Scope c
Page 306 and 307: GENERAL INFORMATIONLEGAL INFORMATIO
Page 308 and 309: The Axa group has also given a comm
Page 310 and 311: STATUTORY AUDITORSNames and address
Page 312 and 313: COMBINED ANNUAL AND EXTRAORDINARYGE
Page 314 and 315: • Eighth resolution (Renewal of t
Page 316 and 317: • Seventeenth resolution (Amendme
Page 318 and 319: Capital increaseCash flowCECEICIBA
Page 320 and 321: Investment clubIRBIRFSISIN codeLBOL
Page 322 and 323: Prime brokeragePublic tender offerQ
Page 326: www.bnpparibas.comHEAD OFFICE16, bo
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La banque d'un monde qui change 2004 - BNP Paribas

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