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

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BIOVALEurope’s Largest Biotechnology Centre, a Melting
44retail banking45LEYPot of Skills and ExpertiseSylvie DebraManaging DirectorAlsace Biovalley - Partner of BNP Paribas - Alsace, FranceDubbed as Europe’s answer to Silicon Valley in California,Biovalley is the world’s leading life sciences cluster,straddling three regions of France, Germanyand Switzerland. Biovalley operates a network of “over3,000 people representing companies, research institutes,education and training organisations, technology transfercentres, regional development agencies, venture capitalspecialists, banks and service providers.” This uniquetri-national territory covers Alsace, the northwest ofSwitzerland and the Southern part of Baden-Wurtemberg.Alsace Biovalley, created in July 1998, is the non-profitorganisation responsible for the French sectionof Biovalley and coordinates European funding for thethree Biovalley countries. Biovalley receives the bulkof its resources from local government authorities.“As a life sciences centre, Alsace is ranked second inFrance for the number of scientific publications, linkageswith industry, quality of research projects, density ofbiotech companies and annual fund-raising support.”In 2004, Alsace Biovalley raised EUR 75 million in capitalfor research projects in life sciences, chemistry andmedical science. Research activities in Alsace involve120 public sector laboratories, 1,400 research scientists,20,000 students and more than 130 companies, 80%of which are small life sciences companies, together witha number of global pharmaceutical companies. The futurelooks bright: “Nearly 20 biotech start-ups have been setup since 1998, creating more than 330 jobs”.
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
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Page 23 and 24: 14chiffres clés15GASSixty Partners
Page 25 and 26: 18CORPORATE AND INVESTMENT BANKING1
Page 29 and 30: Equities andDerivatives22CORPORATE
Page 33 and 34: Bnp paribas london26CORPORATE AND I
Page 35: 28CORPORATE AND INVESTMENT BANKING2
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Page 63 and 64: 56retail banking57MANOBIExchanges o
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Page 87 and 88: Patrick GeeraertHead of the Finance
Page 89 and 90: 82sustainable development83THE GROU
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Page 93 and 94: 86sustainable development87As a res
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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
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RECENT DEVELOPMENTS11 February 2005
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CHANGES IN SHARE CAPITALNumber of s
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REGULATORY RATIOSInternational capi
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on retirement bonuses should be acc
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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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