New Business Organisation

BNP PARIBAS Sustained Growth and Increased Profitability IRFS Revenues & Operating Income 5,980 1999-2005 CAGR Revenues 5,417 4,870 4,903 5,013 Operating Income +11% 4,174 3,597 3,074 2,036 1,801 1,503 1,629 1,826 1,219 +16% 1,015 818 in Єmn 1999 2000 2001 2002 2003 2004 2005 9M06 Pre-Tax ROE 25% Pre-Tax Income 18% A growing contribution to Group results BNL Grupp BNP PARIBAS International Retail Banking and Financial Services 37% Percentage of 23% Group Pre-tax Income 102

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