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Key figures

Activities (in millions of euros)

Activities (in millions of euros)
    2007 2006 2005 2004* 2003*  
  Total assets 1 694 454 1,440,343 1,258,079 905,938 783,076  
  Customer deposits 346,704 298,652 247,494 328,268 282,568  
  Customer loans gross 445,103 393,133 301,196 266,850 231,479  
  Common stockholders'equity (1) 53,799 49,512 40,178 30,194 28,321  
  Combined tier 1 and 2 capital ratio 10,00% 10,50% 11,00% 10,60% 12,90%  
  Tier 1 capital ratio 7,30% 7,40% 7,60% 8,10% 9,40%  
     

(1) Before income appropriation.
* Under French GAAP

Earnings (in millions of euros)

Earnings (in millions of euros)
    2007 2006 2005 2004 * 2003 *  
  Net banking income 31,037 27,943 21,854 18,823 17,935  
  Gross operating income 12,273 10,878 8,485 7,231 6,650  
  Net operating income 10,548 10,095 7,875 6,553 5,289  
  Net income before tax 11,058 10,570 8,424 6,905 5,586  
  Net income attributable to the Group 7,822 7,308 5,852 4,668 3,761  
     

* Under French GAAP

Net income (in millions of euros)

Net income (in millions of euros)
  2007 2006 2005 2004* 2003* 2002*  
  7,822 7,308 5,852 4,668 3,761 3,295  
     

* Under French GAAP

Return on equity (in %)

Return on equity (in %)
  2007 2006 2005 2004* 2003* 2002*  
  19,60 21,20 20,20 16,80 15,30 13,50  
     

* Under French GAAP

Earnings per share (in euros)

Earnings per share (in euros)
  2007 2006 2005 2004* 2003* 2002*  
  8,5 8,0 7,0 5,5 4,3 3,8  
     

* Under French GAAP

Market Capitalization as at 31 of December (in billions of euros)

Market Capitalization as at 31 of December (in billions of euros)
  2007 2006 2005 2004 2003 2002  
  67,20 76,90 57,30 47,20 45,10 34,80  
     

Source: Bloomberg

Net banking income (in millions of euros)

Net banking income (in millions of euros)
     2007  2006  2005  2004*  2003*  
  French Retail Banking 6,000 5,850 5,451 5,086 4,884  
  International Retail Banking and Financial Services 7,955 7,296 5,968 5,057 4,903  
  BNL 2,634 2,473        
  Asset Management and Services 5,329 4,350 3,552 3,019 2,476  
  Corporate and investment banking 8,293 7,859 6,422 5,685 5,818  
     

* Under French GAAP

Gross Operating Income (in millions of euros)

Gross Operating Income (in millions of euros)
     2007  2006  2005  2004*  2003*  
  French Retail Banking 2,050 2,039 1,665 1,556 1,467  
  International Retail Banking and Financial Services 3,330 3,169 2,583 2,240 2,158  
  BNL 890 727        
  Asset Management and Services 1,960 1,605 1,221 1,066 803  
  Corporate and investment banking 3,508 3,617 2,711 2,442 2,434  
     

* Under French GAAP