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2020 Universal registration document and annual financial report - BNP PARIBAS234

4 Consolidated finanCial statements for the year ended 31 deCemBer 2020

4

Notes to the financial statements

4.p PROVISIONS FOR CONTINGENCIES AND CHARGES

➤ PROVISIONS FOR CONTINGENCIES AND CHARGES BY TYPE

In millions of euros 31 December

2019 Net additions to provisions

Provisions used

Changes in value

recognised directly in

equity

Effect of movements

in exchange rates and

other movements

31 December 2020

Provisions for employee benefits 6,636 1,031 (1,007) 22 (78) 6,604

of which post-employment benefits (note 6.b) 4,141 214 (311) 21 (20) 4,045

of which post-employment healthcare benefits (note 6.b) 146 4 (4) 2 148

of which provision for other long-term benefits (note 6.c) 1,188 365 (296) (37) 1,220

of which provision for voluntary departure, early retirement plans, and headcount adaptation plan (note 6.d) 513 110 (148) (7) 468

of which provision for share-based payments (note 6.e) 648 338 (248) (15) 723

Provisions for home savings accounts and plans 124 (1) (1) 122

Provisions for credit commitments (note 2.h) 1,234 214 (60) (41) 1,347

Provisions for litigations 598 186 (204) (61) 519

Other provisions for contingencies and charges 894 225 (137) (26) 956

TOTAL PROVISIONS FOR CONTINGENCIES AND CHARGES 9,486 1,655 (1,409) 22 (206) 9,548

➤ PROVISIONS AND DISCOUNT FOR HOME SAVINGS ACCOUNTS AND PLANS

In millions of euros 31 December 2020 31 December 2019

Deposits collected under home savings accounts and plans 18,203 18,149

of which deposits collected under home savings plans 16,030 16,026

Aged more than 10 years 5,333 5,231

Aged between 4 and 10 years 8,420 8,777

Aged less than 4 years 2,277 2,018

Outstanding loans granted under home savings accounts and plans 23 35

of which loans granted under home savings plans 4 6

Provisions and discount recognised for home savings accounts and plans 122 125

provisions recognised for home savings plans 122 123

provisions recognised for home savings accounts - 1

discount recognised for home savings accounts and plans - 1

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