- BNP Paribas reported very substantial one-off costs of €7.4 billion in 2014, including €6 billion relating to a settlement with US authorities. - The bank's fully-loaded Basel 3 CET1 solvency ratio was at the end of 2014. - The document discusses a BNP Paribas product providing leveraged participation in the iStoxx Europe Next Dividend Low Risk Index over 5 years, with options for principal protection or a bonus payment depending on index performance.