2018 Registration document and annual fi nancial report - BNP PARIBAS198

4 CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2018

4

Notes to the fi nancial statements

➤ NET COMMISSION INCOME BY BUSINESS SEGMENT, INCLUDING FEES ACCOUNTED FOR UNDER NET INCOME FROM INSURANCE ACTIVITIES

In millions of euros Year to 31 Dec. 2018

IFRS 9 & IFRS 15 Year to 31 Dec. 2017

IAS 39

Retail Banking & Services

Domestic Markets

French Retail Banking(1) 2,573 2,585

BNL banca commerciale(1) 1,038 1,037

Belgian Retail Banking(1) 801 838

Other Domestic Markets activities(1) 362 340

International Financial Services

Personal Finance 736 692

International Retail Banking 936 1,022

Europe Mediterranean(1) 510 530

BancWest(1) 427 492

Insurance (3,400) (3,309)

Wealth and Asset Management 2,192 2,113

Corporate & Institutional Banking

Corporate Banking 1,441 1,410

Global Markets (718) (531)

Securities Services 1,240 1,202

Other activities 8 53

TOTAL GROUP 7,208 7,454

(1) French Retail Banking, BNL banca commerciale, Belgian Retail Banking, Luxembourg Retail Banking, Europe-Mediterranean and BancWest after the reallocation within Wealth and Asset Management of one-third of the Wealth Management activities in France, Italy, Belgium, Luxembourg, Germany, Turkey and the United States.

➤ ASSETS AND LIABILITIES BY BUSINESS SEGMENT

In millions of euros

31 December 2018 IFRS 9 & IFRS 15

1 January 2018 IFRS 9 & IFRS 15

Asset Liability Asset Liability

Retail Banking & Services

Domestic Markets 465,519 472,763 456,178 459,449

French Retail Banking 193,865 188,781 191,577 183,132

BNL banca commerciale 80,709 65,844 78,714 65,606

Belgian Retail Banking 133,540 162,186 131,772 157,339

Other Domestic Markets activities 57,405 55,952 54,115 53,372

International Financial Services 475,517 420,869 469,038 423,553

Personal Finance 86,178 18,675 77,505 22,871

International Retail Banking 129,455 116,373 137,040 123,279

Europe-Mediterranean 57,674 51,712 50,833 46,213

BancWest 71,781 64,661 86,207 77,066

Insurance 232,308 222,021 227,712 219,249

Wealth and Asset Management 27,576 63,800 26,781 58,154

Corporate and Institutional Banking 816,190 907,655 751,132 829,780

Other Activities 283,610 239,549 273,430 236,996

TOTAL GROUP 2,040,836 2,040,836 1,949,778 1,949,778

Information by business segment relating to goodwill is presented in note 5.o Goodwill.