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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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- Page 13 and 14: The bankfor a connected10the bank f
- Page 15 and 16: 12the bank for a connected world13C
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- 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: 20CORPORATE AND INVESTMENT BANKING2
- Page 29 and 30: Equities andDerivatives22CORPORATE
- Page 31 and 32: 24CORPORATE AND INVESTMENT BANKING2
- Page 33 and 34: Bnp paribas london26CORPORATE AND I
- Page 35: 28CORPORATE AND INVESTMENT BANKING2
- 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 64 and 65: assetmanagementand servicesWealth a
- Page 66 and 67: asset managementand servicesAsset M
- Page 68 and 69: PrivateBankingAlthough the market r
- Page 70 and 71: Alliance between Cortal Consorsand
- Page 72 and 73: ASSETMANAGEMENTIn 2004, BNP Paribas
- Page 74 and 75: SAMSUNGThe World’s Top Video Play
- Page 76 and 77: BNP Paribas, S.A. au capital de 1 8
- Page 78 and 79: BNP ParibasSecurities servicesSigns
- Page 81 and 82: 7475Smooth Sailing for Chinese Gian
- Page 83 and 84: 76klépierre77KLÉPIERRE SHOPPING C
- Page 85: 78bnp paribas capital79Transactions
- Page 88 and 89: SustainabledevelopmentBNP Paribas
- Page 90 and 91: Promoting sustainabledevelopmentBNP
- Page 92 and 93: Group ethicsand complianceFollowing
- Page 94 and 95: ShareholderInformationShare capital
- Page 96 and 97: Average monthly share prices and mo
- Page 98 and 99: • over 5 yearsInitial investment
- Page 100 and 101: In 1995, the “Cercle BNP Paribas
- Page 102 and 103: SELCreating Ties through a Local Ex
- Page 104 and 105: Annual General MeetingThe last Annu
- Page 106 and 107: NOWLEDGELEARNINGCORPORATionSuppleme
- Page 108 and 109: Age pyramid (December 2004) (1)Wome
- Page 110 and 111: Management rules that reflectthe gr
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A group-wide approachto career mana
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Promoting corporate cultureand chan
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The publications are used to promot
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PETROBRASA Shining Example of Publi
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Dialogue with consumersAdditional r
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y the company and its suppliers is
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Impact onthe natural environmentA s
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ComplianceThe Corporate Facilities
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To meet the need for hedging expres
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A partnerin societyArt thErapY, bnp
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in direct contact with the practica
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International prestigeAfter having
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Seti@homeAlex OultonParticipant in
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BOARD ofDIRECTORSAt 31 December 200
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Hélène PloixPrincipal function: C
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REPORT OF THE CHAIRMANOF THE BOARD
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These directors all contribute sign
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Independence of directors in accord
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Financial Statements CommitteeMembe
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Inspection and Internal Audit funct
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and is then sent to the Commission
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The various levels of Internal Cont
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the impact on the 2004 accounts of
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• The fixed salary paid to Jean C
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General principles governingthe det
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156développement durable157A Mythi
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159BNP PARIBAS - ANNUAL REPORT 2004
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2004 Review of OperationsOPERATING
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2004 Review of OperationsThe net ba
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2004 Review of OperationsThe Wealth
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2004 Review of OperationsBALANCE SH
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2004 Review of OperationsOUTLOOK (1
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2004 Review of OperationsAPPENDICES
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2004 Review of OperationsShareholde
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2004 Review of OperationsTRANSITION
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2004 Review of Operationsat 1 Janua
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2004 Review of Operationsfocus clos
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2004 Review of Operationsof busines
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2004 Review of OperationsThe BNP Pa
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2004 Review of OperationsRISKSGRM -
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2004 Review of OperationsDoubtful c
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2004 Review of Operations• the AL
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2004 Review of OperationsPremium ra
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193Consolidated FInancial statement
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Consolidated FInancial statementsLI
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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 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 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 statementsNO
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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