1、2023 INTEGRATED REPORTPOSITIVE FUTUREI OUTLOOKP.6 BNP Paribas,a European leader serving a sustainable economyP.10 Message from Jean LemierreP.12 Interview with Jean-Laurent BonnafII AMBITIONSP.18 GTS 2025 strategic plan:significant progressP.22 Three operating divisions to serve our customersP.28 A

2、diversified and integrated model to create valueP.30 Our financial indicatorsP.32 Our extra-financial indicatorsIII TRANSITIONSP.36 Experts views on transitions challengesP.38 Our strategy:how to contribute to the transition to a low-carbon world?P.42 Our initiatives to support the transitionsIV INN

3、OVATIONSP.50 Experts views on technological challengesP.52 Our strategy:how can we turn technological innovation into a lever for efficiency and growth?P.56 Our progress in innovation and technologyV INCLUSIONP.64 Experts views on inclusion challengesP.66 Our actions to foster inclusionVI GOVERNANCE

4、P.74 Listening to our stakeholdersP.76 Our governance bodiesP.77 Our shareholders and investorsP.78 Our Board of DirectorsP.80 Our Executive CommitteePOSITIVEFUTURE How to build a positive future?Throughout 2023,we mobilised alongside our stakeholders in a complex economic,social and climate context

5、.We supported our customers,partners and employees in the execution of their projects,and were determined to move into a positive future,that we are committed to building with them.This positive future means successfully transitioning to a low-carbon economy,the only way to combat climate change and

6、 preserve our planets vital ecosystems.A planet where economic players will be able to create value while protecting nature for future generations.A positive future also involves choosing innovations that serve everyone and bring about progress for all.A society where digital technology is simple,fi