2020 Universal registration document and annual financial report - BNP PARIBAS220
4 Consolidated finanCial statements for the year ended 31 deCemBer 2020
4
Notes to the financial statements
4.e FINANCIAL ASSETS AT AMORTISED COST
➤ DETAIL OF LOANS AND ADVANCES BY NATURE
In millions of euros
31 December 2020 31 December 2019
Gross value Impairment
(note 2.h) Carrying
amount Gross value Impairment
(note 2.h) Carrying
amount
Loans and advances to credit institutions 19,082 (100) 18,982 21,793 (101) 21,692
On demand accounts 7,241 (12) 7,229 8,002 (13) 7,989
Loans(1) 10,009 (88) 9,921 12,697 (88) 12,609
Repurchase agreements 1,832 1,832 1,094 1,094
Loans and advances to customers 830,979 (21,446) 809,533 826,953 (21,176) 805,777
On demand accounts 37,639 (3,409) 34,230 38,978 (3,187) 35,791
Loans to customers 752,797 (16,888) 735,909 751,109 (16,861) 734,248
Finance leases 39,220 (1,149) 38,071 35,653 (1,128) 34,525
Repurchase agreements 1,323 1,323 1,213 1,213
TOTAL LOANS AND ADVANCES AT AMORTISED COST 850,061 (21,546) 828,515 848,746 (21,277) 827,469
(1) Loans and advances to credit institutions include term deposits made with central banks.
Contractual maturities of finance leases
In millions of euros 31 December 2020 31 December 2019
Gross investment 41,899 37,970
Receivable within 1 year 11,602 10,412
Receivable after 1 year but within 5 years 26,306 22,837
Receivable beyond 5 years 3,991 4,721
Unearned interest income (2,679) (2,317)
Net investment before impairment 39,220 35,653
Receivable within 1 year 10,675 9,655
Receivable after 1 year but within 5 years 24,816 21,685
Receivable beyond 5 years 3,729 4,313
Impairment provisions (1,149) (1,128)
Net investment after impairment 38,071 34,525
➤ DETAIL OF DEBT SECURITIES BY TYPE OF ISSUER
In millions of euros
31 December 2020 31 December 2019
Gross value Impairment
(note 2.h) Carrying
amount Gross value Impairment
(note 2.h) Carrying
amount
Governments 62,044 (22) 62,022 57,743 (21) 57,722
Other public administration 24,248 (2) 24,246 23,794 (3) 23,791
Credit institutions 10,461 (2) 10,459 7,201 (2) 7,199
Others 21,721 (132) 21,589 19,850 (108) 19,742
TOTAL DEBT SECURITIES AT AMORTISED COST 118,474 (158) 118,316 108,588 (134) 108,454