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

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EXECUTIVEPhilippeBordenaveJean-LaurentBonnaféAlainPapiasseBernardLeméeGeorgesChodron de CourcelBaudouinProtJeanClamonPhilippeBlavierPierreMarianiHervéGouëzelVivienLévy-GarbouaHead of GroupDevelopmentand FinanceHead of FrenchRetail BankingHead of AssetManagementand ServicesHead of GroupHumanResourcesChief Operating Offi cerChief ExecutiveOffi cerChief OperatingOffi cerHead ofCorporateand InvestmentBankingHead ofInternationalRetail Bankingand FinancialServicesHead of GroupInformationSystemsHead ofCompliance
6executive committee7COMMITTEEBNP Paribas’ Executive Committee had the followingmembers throughout 2004:• Baudouin Prot, Chief Executive Officer;• Georges Chodron de Courcel, Chief Operating Officer;• Jean Clamon, Chief Operating Officer;• Amaury-Daniel de Seze, Head of BNP Paribas Capital(no longer a member of the Executive Committeein 2005);• Philippe Blavier, Head of Corporate and InvestmentBanking;• Jean-Laurent Bonnafé, Head of French RetailBanking;• Philippe Bordenave, Head of Group Developmentand Finance;• Hervé Gouëzel, Head of Group Information Systems;• Bernard Lemée, Head of Group Human Resources;• Vivien Lévy-Garboua, Head of Asset Managementand Services;• Pierre Mariani, Head of International Retail Bankingand Financial Services.Alain Papiasse became a member of the ExecutiveCommittee on 3 January 2005 in his capacityas Head of Asset Management and Services.Vivien Lévy-Garboua continues to sit on the ExecutiveCommittee of BNP Paribas in his new positionas Head of Compliance.BNP Paribas continuously strives for the higheststandards in ethics, risk management and internalcontrol. In the face of changes in the bankingenvironment and more stringent regulations specificto banking and finance activities, the Grouphas decided to establish a new global function ofCompliance as from 2005. The Head of Compliancewill report directly to the Chief Executive Officerand will have a broad remit over the entire Group.The Head of Compliance will be responsible for:• supervision of the consistency and efficiencyof actions undertaken with regard to ethical rules,and more broadly, with regard to the legislativeand regulatory provisions specific to bankingand finance activities. The Head of Compliancewill be directly in charge of the Ethics functionand actions designed to combat money launderingand corruption; he will also have functionalauthority over Group Legal Affairs in matterspertaining to control and compliance missions;• management and coordination of internal controlthroughout the Group and the chairing of a monthlycommittee composed of the General Inspector,responsible for periodic controls, and the Groupmanagers in charge of Risk, Tax Affairs, LegalAffairs, Ethics, and Finance and Development.The Head of the Compliance function will producethe report on internal control and Compliance.
Page 2 and 3: contentsKey Figures 2-3Chairman’s
Page 5 and 6: 2key Figures3Net banking incomeby c
Page 7: 4chairman‘s and chief executive o
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 29 and 30: Equities andDerivatives22CORPORATE
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
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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
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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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