DOCSLIB.ORG

Registration Document and Annual Financial

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text

Load more

2013 REGISTRATION DOCUMENT AND ANNUAL FINANCIAL REPORT WorldReginfo - 59354dac-e4c3-4a43-a245-1e51a0da17b3 1 BNP PARIBAS GROUP PRESENTATION 3 6 INFORMATION ON THE PARENT 1.1 Group presentation 4 COMPANY FINANCIAL STATEMENTS 349 1.2 Key fi gures 4 6.1 BNP Paribas SA fi nancial statements 350 1.3 History 5 Notes to the parent company financial statements 352 1.4 Presentation of activities and business lines 6 6.2 Appropriation of income for the year ended 1.5 BNP Paribas and its shareholders 16 31 December 2013 and dividend distribution 381 6.3 BNP Paribas SA fi ve-year fi nancial summary 382 6.4 Subsidiaries and associated companies 2 CORPORATE GOVERNANCE 29 of BNP Paribas SA 383 2.1 Board of Directors 30 6.5 Disclosures of investments in BNP Paribas SA in 2013 affecting at least 5% of share capital 2.2 Report of the Chairman of the Board of Directors of French companies 386 on the manner of preparation and organisation of the work of the Board and 6.6 Statutory Auditors’ report on the internal control procedures implemented on the fi nancial statements 387 by the Company 65 2.3 Statutory Auditors’ report, prepared in accordance with article L.225-235 of the French Commercial 7 A RESPONSIBLE BANK: Code on the report prepared by the Chairman INFORMATION ON BNP PARIBAS’ of the Board of Directors of BNP Paribas 92 ECONOMIC, SOCIAL, CIVIC AND 2.4 The Executive Committee 94 ENVIRONMENTAL RESPONSIBILITY 389 7.1 BNP Paribas’ approach as a responsible bank 390 3 2013 REVIEW OF OPERATIONS 95 7.2 Economic responsibility: fi nancing the economy in an ethical manner 396 3.1 BNP Paribas consolidated results 96 7.3 Social responsibility: pursuing a committed 3.2 Core business results 98 and fair human resources policy 404 3.3 Balance sheet 109 7.4 Civic responsibility combating exclusion 3.4 Profi t and loss account 113 and promoting education and culture 419 3.5 Recent events 117 7.5 Environmental responsibility: combating climate change 427 3.6 Outlook 118 7.6 Table of concordance with the list of social, 3.7 Financial structure 120 environmental and community information required under article 225 of the Grenelle II Act 433 7.7 Report by one of the Statutory Auditors, 4 CONSOLIDATED FINANCIAL STATEMENTS appointed as an independent third party, on the PREPARED IN ACCORDANCE WITH environmental, labour and social information INTERNATIONAL FINANCIAL presented in the management report of BNP Paribas 435 REPORTING STANDARDS AS ADOPTED BY THE EUROPEAN UNION 121 8 GENERAL INFORMATION 439 4.1 Profi t and loss account for the year ended 31 December 2013 124 8.1 Documents on display 440 4.2 Statement of net income and changes in assets 8.2 Material contracts 440 and liabilities recognised directly in equity 125 8.3 Dependence on external parties 440 4.3 Balance sheet at 31 December 2013 126 8.4 Signifi cant changes 441 4.4 Cash fl ow statement for the year 8.5 Investments 441 ended 31 December 2013 127 8.6 Information on country by country activity 442 4.5 Statement of changes in shareholders’ equity 8.7 Founding documents and Articles of Association 443 between 1 Jan. 2012 and 31 Dec. 2013 128 8.8 Statutory Auditors’ special report on related party 4.6 Notes to the fi nancial statements prepared in agreements and commitments 448 accordance with International Financial Reporting Standards as adopted by the European Union 130 4.7 Statutory Auditors’ report on the consolidated STATUTORY AUDITORS 451 fi nancial statements 222 9 9.1 Statutory Auditors 452 5 RISKS AND CAPITAL ADEQUACY 225 10 PERSON RESPONSIBLE 5.1 Annual risk survey 227 FOR THE REGISTRATION DOCUMENT 453 5.2 Capital management and capital adequacy 236 5.3 Risk management 250 10.1 Person responsible for the Registration document and the annual fi nancial report 454 5.4 Credit risk 257 10.2 Statement by the person responsible 5.5 Securitisation in the banking book 287 for the Registration document 454 5.6 Counterparty risk 298 5.7 Market risk 302 TABLE OF CONCORDANCE 455 5.8 Sovereign risks 316 11 5.9 Liquidity and funding risk 319 5.10 Operational risk 325 5.11 Compliance and reputation risk 331 5.12 Insurance risks 331 Appendices: 337 Appendix 1: Exposures based on Financial Stability Board recommendations 337 Appendix 2: Capital requirements of significant subsidiaries 340 Appendix 3: Glossary 347 WorldReginfo - 59354dac-e4c3-4a43-a245-1e51a0da17b3 2013 Registration document and annual fi nancial report Only the French version of the Registration document has been submitted to the AMF. It is therefore the only version that is binding in law. The original document was filed with the AMF (French Securities Regulator) on 7 March 2014, in accordance with article 212-13 of the AMF’s General Regulations. It may be used in support of a financial transaction only if supplemented by a Transaction Note that has received approval from the AMF. This document includes all elements of the annual financial report specified by section I of article L.451-1-2 of the Code monétaire et financier and article 222-3 of the AMF’ s General Regulations. A table allowing cross-referencing between the documents specified in article 222-3 of the AMF’ s General Regulations and the corresponding sections of this document is provided on page 455. The English language version of this report is a free translation from the original, which was prepared in French. All possible care has been taken to ensure that the translation is an accurate presentation of the original. However, in all matters of interpretation, views or opinion expressed in the original language version of the document in French take precedence over the translation. WorldReginfo - 59354dac-e4c3-4a43-a245-1e51a0da17b3 2013 Registration document and annual fi nancial report - BNP PARIBAS 1 WorldReginfo - 59354dac-e4c3-4a43-a245-1e51a0da17b3 2 2013 Registration document and annual fi nancial report - BNP PARIBAS 1 BNP PARIBAS GROUP PRESENTATION 1.1 Group presentation 4 1.2 Key fi gures 4 Results 4 Market capitalisation 4 Long-term and short-term credit ratings 5 1.3 History 5 1.4 Presentation of activities and business lines 6 Retail Banking 6 Investment Solutions 10 Corporate and Investment Banking 12 Corporate Centre 15 Key factors affecting the business 15 1.5 BNP Paribas and its shareholders 16 Share capital 16 Changes in share ownership 16 Listing information 17 Key shareholder data 21 Creating value for shareholders 21 Communication with shareholders 23 Shareholder Liaison Committee 24 Dividend 25 Dividend evolution (euro per share) 25 BNP Paribas registered shares 26 Annual General Meeting of Shareholders 26 Disclosure thresholds 28 WorldReginfo - 59354dac-e4c3-4a43-a245-1e51a0da17b3 2013 Registration document and annual fi nancial report - BNP PARIBAS 3 BNP PARIBAS GROUP PRESENTATION 1 Group presentation 1.1 Group presentation 1 BNP Paribas, Europe’s leading provider of banking and fi nancial services, ■ Belgian Retail Banking (BRB), has four domestic markets in r etail b anking in Europe: Belgium, France, ■ Other Domestic Markets activities, including Luxembourg Retail Italy and Luxembourg. Banking (LRB); It is present in 75 countries and has almost 185,000 employees, including ■ International Retail Banking, comprising: over 141,000 in Europe. BNP Paribas holds key positions in its three ■ Europe-Mediterranean, activities: ■ BancWest; ■ Retail Banking, which includes: ■ Personal Finance; ■ a set of Domestic Markets comprising: ■ Investment Solutions; ■ French Retail Banking (FRB), ■ Corporate and Investment Banking (CIB). ■ BNL banca commerciale (BNL bc), Italian retail b anking, BNP Paribas SA is the parent company of the BNP Paribas Group. 1.2 Key fi gures RESULTS 2009 2010 2011 2012 2013 Revenues (in millions of euros) 40,191 43,880 42,384 39,072 38,822 Gross operating income (in millions of euros) 16,851 17,363 16,268 12,529 12,684 Net income Group share (in millions of euros) 5,832 7,843 6,050 6,564 4,832 Earnings per share (in euros)(*) 5.20 6.33 4.82 5.17 3.69 Return on equity(**) 10.8% 12.3% 8.8% 8.9% 6.1% (*) Restated to account for the capital increase with preferential subscription rights carried out in 2009. (**) Return on equity is calculated by dividing net income Group share (adjusted for interest on undated super-subordinated notes deemed equivalent to preferred shares issued by BNP Paribas SA and treated as a dividend for accounting purposes) by average equity attributable to equity holders at 1 January and 31 December of the period concerned (after distribution and excluding undated super-subordinated notes deemed equivalent to preferred shares issued by BNP Paribas SA). MARKET CAPITALISATION 31/12/2008 31/12/2009 31/12/2010 31/12/2011 31/12/2012 31/12/2013 Market capitalisation (in billions of euros) 27.6 66.2 57.1 36.7 53.4 70.5 Source: Bloomberg. WorldReginfo - 59354dac-e4c3-4a43-a245-1e51a0da17b3 4 2013 Registration document and annual fi nancial report - BNP PARIBAS BNP PARIBAS GROUP PRESENTATION History 1 LONG-TERM AND SHORT-TERM CREDIT RATINGS 1 Long-term/short-term credit Long-term/short-term credit ratings at 8 March 2013 ratings at 7 March 2014 Outlook Date of last review Standard & Poor’s A+/A-1 A+/A-1 Negative 20 June 2013 Fitch A+/F1+ A+/F1 Stable 17 July 2013 Moody’s A2/Prime-1 A2/Prime-1 Stable 21 June 2013 BNP’s long-term ratings have not changed since 8 March 2013, date of the publication of the 2012 Registration document. On 17 July 2013, Fitch downgraded the short-term rating of BNP Paribas from “F1+” to “F1”, following the downgrade of the French Government’s long-term rating from “AAA/ Negative” to “AA+/Stable” on 12 July 2013.
Recommended publications

  • Presentation Patrice MENARD October 2008

    BNP Paribas Patrice MENARD Investor Relations Officer Switzerland / Netherlands October 2008 1 Record earnings despite the crisis Corporate governance 2 A European Leader with a Worldwide Footprint Europe (excl. France/Italy) 46,000 employees Italy United States 20,000 employees 15,000 employees Asia 9,800 employees Rest of the world 15,200 employees France incl. overseas depts./territories 64,000 employees Present in over 85 countries 170,000 employees* worldwide of which 130,000 in Europe (76% of the total) *Persons employed 3 A European Leader with a Global Franchise Breakdown of 1H08 revenues by core business Corporate & Others Retail Investment Banking 15% Banking in France 22% 20% North America 11% BNL bc France 9% 47% Other Asset Western Management International Europe & Services Retail 13% Italy 19% 14% Services 30% WesternWestern Europe Europe RetailRetail banking banking 74%74% 59%59% 4 Good Revenue Momentum Revenues -24.5% +8.0% +3.0% +2.9% 2,452 2,108 2,153 1,993 1,520 1,852 2Q08 1,357 1,396 1,470 1,514 +6.5% 1,263 1,311 1Q08 2Q07 643 680 685 % 2Q08/2Q07 In €m RBF BNL bc IRS AMS CIB Retail Banking eur 6 25% F 2/3 25% F 2/3 25% F 2/3 BNL BNL BNL bc bc bc AMS AMS AMS 19% IRS 19% IRS 19% IRS 57% 18% 25% 5 Effective Cost Control Maintains Operating Efficiency Operating Expenses Cost/income ratio 11.4% 67.5% 10.3% 7.0% 64.0% 4.9% 62.2% 62.7% 0.7% 59.7% 0% 58.9% Change Q/Q-4 -2.8% 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08 FlexibleFlexible cost cost structure structure in in the the business business lines lines
  • COMMUNIQUE DE PRESSE Baudouin Prot a Fait Part Au Conseil

    COMMUNIQUE DE PRESSE Baudouin Prot a Fait Part Au Conseil

    Paris, le 26 septembre 2014 COMMUNIQUE DE PRESSE Baudouin Prot a fait part au Conseil d’administration de sa décision de mettre fin à ses fonctions de Président et d’Administrateur le 1er décembre prochain. Jean Lemierre sera nommé à cette date Président de BNP Paribas. Le conseil d’Administration de BNP Paribas, qui s’est réuni ce jour, a pris acte de la décision de Baudouin Prot de mettre fin à ses fonctions de Président et d’Administrateur le 1er décembre prochain. Le Conseil a décidé de se réunir à cette même date afin de coopter, sur proposition du Comité élargi de gouvernement d'entreprise et des nominations, qui s'est réuni à deux reprises, Jean Lemierre en tant qu’Administrateur et de le nommer Président du Conseil d’Administration. Entré dans le groupe en 1983, Baudouin Prot est devenu Président de BNP Paribas il y a 3 ans, après avoir dirigé l’entreprise durant 8 ans, de 2003 à 2011. Au cours des 10 dernières années, dans un contexte de profonde transformation de l’industrie financière, BNP Paribas est devenu un leader européen de son industrie et l’une des banques les plus solides au monde. Sur cette période, BNP Paribas est parvenu à tripler la taille de ses fonds propres (de 25,7 à 77,1 milliards d’euros) et à doubler la taille de ses revenus (de 18 à 39 milliards d’euros) ainsi que celle de ses effectifs (de 89 000 à 185 000 collaborateurs, dont 70% se situent aujourd’hui à l’international, contre 35% il y a 10 ans).
  • FINE-TUNED BNP PARIBAS EXCELS at the BUSINESS of BANKING BNP Paribas Is That Rarity: a Large Bank Actually Delivering on Its Promises to Stakeholders

    FINE-TUNED BNP PARIBAS EXCELS at the BUSINESS of BANKING BNP Paribas Is That Rarity: a Large Bank Actually Delivering on Its Promises to Stakeholders

    Reprinted from July 2016 www.euromoney.com WORLD’S BEST BANK BNP PARIBAS EXCELS AT THE BUSINESS OF BANKING World’s best bank Reprinted from July 2016 Copyright© Euromoney magazine www.euromoney.com WORLD’S BEST BANK FINE-TUNED BNP PARIBAS EXCELS AT THE BUSINESS OF BANKING BNP Paribas is that rarity: a large bank actually delivering on its promises to stakeholders. It is producing better returns even than many of the US banks, despite being anchored in a low-growth home region, building capital and winning customers – all while proving the benefits of a diversified business model. Its cadre of loyal, long-serving senior executives look to have got the strategy right: staying the course in Asia and the US and running global customer franchises, but only in the select services it excels at By: Peter Lee Illustration: Jeff Wack eset by weak profitability, negative interest rates and Its third division, international financial services, includes banking low growth in their home markets, European banks in the US, Latin America and Asia, as well as specialist business such are losing out to US rivals that restructured and as consumer finance, asset and wealth management and insurance. recapitalized quickly after the global financial crisis At a time when peers are still shrinking, BNP Paribas is growing. and whose home economy has enjoyed a much more While new and uncertain management teams struggle to get back Brobust recovery since. to basics, the technicians at BNP Paribas embrace geographic and In April, the European Banking Authority published its latest update business diversity. Critics see a large bank running on six engines in on the vulnerabilities of the 154 biggest European banks and noted a the age of the monoplane.
  • PUBLIC SECTION BNP Paribas 165(D)

    PUBLIC SECTION BNP Paribas 165(D)

    PUBLIC SECTION OCTOBER 1, 2014 PUBLIC SECTION BNP Paribas 165(d) Resolution Plan Bank of the West IDI Resolution Plan This document contains forward-looking statements. BNPP may also make forward-looking statements in its audited annual financial statements, in its interim financial statements, in press releases and in other written materials and in oral statements made by its officers, directors or employees to third parties. Statements that are not historical facts, including statements about BNPP’s beliefs and expectations, are forward-looking statements. These statements are based on current plans, estimates and projections, and therefore undue reliance should not be placed on them. Forward-looking statements speak only as of the date they are made, and BNPP undertakes no obligation to update publicly any of them in light of new information or future events. CTOBER O 1, 2014 PUBLIC SECTION TABLE OF CONTENTS 1. Introduction ........................................................................................................................4 1.1 Overview of BNP Paribas ....................................................................................... 4 1.1.1 Retail Banking ....................................................................................... 5 1.1.2 Corporate and Investment Banking ....................................................... 5 1.1.3 Investment Solutions ............................................................................. 6 1.2 Overview of BNPP’s US Presence ........................................................................
  • BNP-PARIBAS-ZAO-2011-ENG.Pdf

    BNP-PARIBAS-ZAO-2011-ENG.Pdf

    CONTENTS: I. INTRODUCTION 05 The message from the Supervisory Board 06 About the BNP Paribas Group 10 Management II. STRATEGY AND RESULTS 2011 Macroeconomics and the Russian banking industry in 2011 15 16 Financial results 2011 27 Corporate investment bank 31 Consumer fi nancing 33 Risk Management 35 Human Resources Management 36 Corporate Code of Conduct III. ADDITIONAL INFORMATION 38 State Registration Information 38 Participation in Associations 40 Contact Information I. INTRODUCTION BNP PARIBAS ZAO 4 ANNUAL REPORT 2011 THE MESSAGE FROM THE SUPERVISORY BOARD am pleased to present the BNP market conditions. PARIBAS ZAO annual report for In 2011, we started up a new trading 2011. and marketing activity in commodity de- The year was dominated by rivatives to meet the increasing demand global uncertainty and extremely in the Russian market. We expect this I complex fi nancial conditions product line to be an important contrib- combined with new regulatory utor to our 2012 revenues. challenges. In 2011, our work was fo- On a wider scale, 2011 was a year of cused on adapting ourselves to the new signifi cant changes to the business strat- operating environment. Now, our compa- egies for BNP Paribas Group in Russia. ny has adjusted to the new environment Corporate Investment Banking and and we have already made signifi cant Personal Finance activities were pro- progress in realignment. Thanks to the vided by the same legal entity; in 2011, efforts of our teams, we showed solid BNP Paribas ZAO decided it would stop operating performances and fi nancial its production of consumer fi nance loans stability in 2011.
  • Combined Annual Shareholder Meeting

    Combined Annual Shareholder Meeting

    (This document is a free translation of the original French version published on 27 June 2018 in the French legal newspapers “BALO” and “Petites Affiches”, which are available upon request) ALSTOM Société Anonyme with a share capital of € 1,556,077,180 Head Office: 48, rue Albert Dhalenne, 93400 Saint-Ouen Registration number: 389 058 447 RCS Bobigny NOTICE OF MEETING The shareholders of ALSTOM will be convened to participate in the Ordinary and Extraordinary Shareholder’s Meeting which will be held on first call on Tuesday 17 July 2018 at 2.00 p.m., at Maison de la Mutualité, 24 rue Saint-Victor, 75005 Paris, to deliberate on the following agenda: AGENDA Ordinary resolutions 1. Approval of the statutory financial statements and operations for the fiscal year ended on 31 March 2018. 2. Approval of the consolidated financial statements and operations for the fiscal year ended on 31 March 2018. 3. Proposal for the allocation of the result for the fiscal year ended on 31 March 2018 and distribution of a dividend. 4. Approval of a related-party agreement: letter agreement from Bouygues SA related to the strategic combination of Alstom and Siemens’ mobility business (the “Transaction”). 5. Approval of a related-party agreement: engagement letter with Rothschild & Cie as financial adviser in connection with the Transaction. 6. Renewal of Mr. Olivier Bouygues’ appointment as a Director. 7. Renewal of Bouygues SA’ appointment as a Director. 8. Renewal of Ms. Bi Yong Chungunco’s appointment as a Director. 9. Appointment of Mr. Baudouin Prot as a Director. 10. Appointment of Ms.
  • Responsible Investing

    Responsible Investing

    La sélection de Responsible Investing SELECTION FROM “L’OPINION” NO. 17 - SUPPLEMENT FROM “L’OPINION” NO. 1105 OF 4 OCTOBER 2017 - MAY NOT BE SOLD SEPARATELY The 2015 Paris climate agreement has accelerated the development of sustainable finance. Bankers, businesses, fund managers: everyone is involved. Green finance, the driving force for a new sustainable world ONU The United Nations’ seventeen Sustainable Development Goals aim to eradicate poverty by 2030. urope is rallying, and furthermore, greater transparen- Environment that’s how important cy of financial institutions and busi- How can we build a bridge between the matter is! This nesses on the way they take sustaina- asset managers concerned with summer, a group of bility into account in their decisions... “Doing more and better with less” responsible investments and busi- experts from the Eu- A huge programme. has become the new mantra of the nesses working to comply with ropean Commission With sustainable finance, Brus- ESG (environmental, social and in Brussels submitted sels clearly wants to move on from the European Commission, which adopted governance) criteria ? Sustainable its first report on sustainable finance. post-subprime crisis years. “The first a package of measures to this effect finance addresses this concern” EThe goal after six months of work: to wave of European Union reforms was Sustainable finance is the answer. identify ways to enshrine this concept, based on the stability and resilience of It brings together SRI (socially which is still somewhat vague, in Euro- the financial system”, comments the responsible investment), soli- pean law. The commission made about European executive. “The Commis- transform our world”.
  • Banque Marocaine Pour Le Commerce Et L'industrie Groupe BNP PARIBAS DOCUMENT DE RÉFÉRENCE RELATIF a L'exercice 2019

    Banque Marocaine Pour Le Commerce Et L'industrie Groupe BNP PARIBAS DOCUMENT DE RÉFÉRENCE RELATIF a L'exercice 2019

    Banque Marocaine pour le Commerce et l’Industrie Groupe BNP PARIBAS DOCUMENT DE RÉFÉRENCE RELATIF A L’EXERCICE 2019 Enregistrement de l’Autorité Marocaine du Marché des Capitaux (AMMC) Conformément aux dispositions de la circulaire de l’AMMC, le présent document de référence a été enregistré par l’AMMC en date du 28 juillet 2020 sous la référence EN/EM/009/2020. Le présent document de référence ne peut servir de base pour effectuer du démarchage ou pour la collecte des ordres dans le cadre d’une opération financière que s’il fait partie d’un prospectus dument visé par l’AMMC. Mise à jour annuelle du dossier d’information relatif au programme d’émission de CD A la date d’enregistrement du présent document de référence, la mise à jour annuelle du dossier d’information relatif au programme d’émission de certificats de dépôt est composée : . du présent document de référence ; . de la note relative au programme de certificats de dépôt enregistrée par l’AMMC en date du 28 octobre 2019, sous la référence EN/EM/003/2019 et disponible sur le lien suivant : http://www.ammc.ma/sites/default/files/NOTE_CD_BMCI_003_2019.pdf Avertissement Enregistrement du Document de Référence Le présent Document de Référence a été enregistré par l’AMMC. L’enregistrement du Document de Référence n’implique pas authentification des informations présentées. Il a été effectué après examen de la pertinence et de la cohérence de l’information donnée. L’attention du public est attirée sur le fait que le présent Document de Référence ne peut servir de base pour le démarchage financier ou la collecte d’ordres de participation à une opération financière s’il ne fait pas partie d’un prospectus visé par l’AMMC.
  • Annual Report 2014 BNP Paribas Fortis SA/NV 23/02/15 11:50

    Annual Report 2014 BNP Paribas Fortis SA/NV 23/02/15 11:50

    BNP Paribas Fortis SA/NV Annual Report 2014 | Annual Report 2014 Report | Annual BNP Paribas Fortis SA/NV Fortis Paribas BNP AR 2014 Cover.indd 6 23/02/15 11:50 Introduction The BNP Paribas Fortis Annual Report 2014 contains both the audited Consolidated and Non-consolidated Financial Statements, preceded by the Report of the Board of Directors, the Statement of the Board of Directors and a section on Corporate Governance including the composition of the Board of Directors. The audited BNP Paribas Fortis Consolidated Financial Statements 2014, with comparative figures for 2013, prepared in accordance with International Financial Reporting Standards (IFRS) as adopted by the European Union, are followed by the audited Non-consolidated Financial Statements 2014 of BNP Paribas Fortis SA/NV, prepared on the basis of the rules laid down in the Belgian Royal Decree of 23 September 1992 on the annual accounts of credit institutions. All amounts in the tables of the Consolidated Financial All information contained in the BNP Paribas Fortis Annual Statements are denominated in millions of euros, unless Report 2014 relates to the BNP Paribas Fortis statutory stated otherwise. All amounts in the tables of the Non- Consolidated and Non-consolidated Financial Statements consolidated Financial Statements are denominated in and does not cover the contribution of BNP Paribas thousands of euros, unless stated otherwise. Because figures Fortis to the BNP Paribas Group consolidated results, have been rounded off, small discrepancies with previously which can be found on the BNP Paribas website: reported figures may appear. Certain reclassifications www.bnpparibas.com. have been made with regard to the prior year’s Financial Statements in order to make them comparable for the year The BNP Paribas Fortis Annual Report 2014 under review.
  • La Banque D'un Monde Qui Change

    La Banque D'un Monde Qui Change

    2004 2004 SUSTAINABLE DEVELOPMENT REPORT DEVELOPMENT REPORT DEVELOPMENT SUSTAINABLE www.bnpparibas.com • HEAD OFFICE 16, boulevard des Italiens – 75009 Paris (France) Tel.: +33 1 40 14 45 46 Paris trade and companies register RCS Paris 662 042 449 Société Anonyme (Public Limited Company) with capital of: EUR 1 770 438 404 SHAREHOLDERS‘ RELATIONS Tel.: +33 1 42 98 21 61 / +33 1 40 14 63 58 AR05.01 La banque d’un monde qui change BNP PARIBAS La banqueLa banqueThe d’un bank d’unmonde for mondea changingqui changequi change world La banque d’un monde qui change La banque d’un monde qui change Creating a community of interests Sharing knowledge Partnering research initiatives Forging exchanges and alliances Cross-selling Pooling resources Setting up cross-fertilisation the bank for a changing world mechanisms Devising a systems approach over to the networks! Implementing knowledge management Building cross-functional structures Promoting teamwork As in 2003, to best illustrate our “Bank for a Changing World” signature, we have chosen to present some twelve BNP Paribas clients as a guiding thread throughout our 2004 Sustainable Development Report. The main factors driving change – global competition, the increasing pace of technological innovation and the growing consolidation of major players – pose new organizational challenges and encourage a network-based focus for operations to rival traditional ways of working. Through networks, we can act out a shared project. As unrivalled catalysers for developing network-oriented businesses, Internet and new information technologies are emblematic of these far-reaching changes. The best digital libraries within the reach of an ever-higher number of users (p.46) testify to the inescapable fact that we are all now connected, and the example of Senegalese fishermen using third generation mobile technology (p.
  • Download Agenda

    Download Agenda

    RiskMinds Europe SESSIONS 11 - 12 May 2021 Online virtual conference PLEASE NOTE THIS IS THE 2021 AGENDA - 11/05/2021 BST (British Summer Time, GMT+1) Interactive morning discussion to kickstart the Interactive roundtable discussion: Embedded conversation and live polling: What’s keeping finance and banking as a service risk managers in Europe awake at night? 13:25 - 13:55 11:30 - 12:00 RiskMinds Europe RiskMinds Europe Participants Join us to take part in live polling, have your say and Host: Peter Rossiter - Chief Risk Officer, Starling share experiences International Participants Host: Christian Bluhm - Group Chief Risk Officer and Risk trends in the EU banking sector amid Member of the Group Executive Board, UBS Covid 13:55 - 14:25 RiskMinds Europe Chair’s opening remarks Participants 12:00 - 12:10 RiskMinds Europe Presenter: Angel Monzon - Head of Risk Analysis and Stress testing, European Banking Authority Participants Presenter: Periklis Thivaios - Partner, True North Partners LLP Brexit and what this means for the regulatory landscape across Europe? Covid-19 recovery, Brexit and key policy 14:25 - 15:10 RiskMinds Europe developments across Europe 12:10 - 12:40 What are the next steps for the UK and Europe in RiskMinds Europe regulatory affairs? Setting the scene... Participants Panellist: Katherine Wolicki - Global Head Financial What’s driving the status quo? Can we collaborate and Model Risk Regulatory Policy and Engagement, better to create more synergy cross border? HSBC Participants Panellist: Barbara Frohn - EMEA Head of
  • VEOLIA ENVIRONNEMENT (Exact Name of Registrant As Specified in Its Charter)

    VEOLIA ENVIRONNEMENT (Exact Name of Registrant As Specified in Its Charter)

    Donald L. Correll As fded with the Securities and Exchange Commission on June 30,2005 DLC-8 DW 04-048 - 32 Pages SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F OREGISTRATION STATEMENT PURSUANT TO SECTION 12@) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR @ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 for the f~calyear ended December 31,2004 OR 0 TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 for the transition period from -to - Commission File Number: 001-15248 VEOLIA ENVIRONNEMENT (Exact name of Registrant as specified in its charter) N/A 36/38, avenue Klkber, Republic of France (Translation of Registrant's 75 116 Paris, (Jurisdiction of incorporation name into English) France or organization) (Address of principal executive offices) Securities registered or to be registered pursuant to Section 12@) of the Act: Title of each class Name of eacb exchange on which registered Ordinary shares, nominal value €5 per share represented by The New York Stock Exchange American Depositary Shares (as evidenced by American Depositary Receipts), each American Depositary Share representing one ordinary share* Securities registered or to be registered pursuant to Section 12(g) of the Act: None Securities for which there is a reporting obligation pursuant to Section 15(d) of the Act: None Indicate the number of outstanding shares of each of the issuer's classes of capital or common stock as of the close of the period covered by the annual report: