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2020 Universal registration document and annual financial report - BNP PARIBAS244

4 Consolidated finanCial statements for the year ended 31 deCemBer 2020

4

Notes to the financial statements

In millions of euros Year to

31 Dec. 2020 Year to

31 Dec. 2019

Service costs 177 220

Current service cost 232 229

Past service cost (50) (1)

Settlements (5) (8)

Net financial expense 7 14

Interest cost 90 158

Interest income on plan asset 25 35

Interest income on reimbursement rights (95) (145)

Expected return on asset ceiling (13) (34)

TOTAL RECOGNISED IN SALARY AND EMPLOYEE BENEFIT EXPENSE 184 234

➤ CHANGE IN THE PRESENT VALUE OF THE DEFINED-BENEFIT OBLIGATION

In millions of euros Year to

31 Dec. 2020 Year to

31 Dec. 2019

PRESENT VALUE OF DEFINED-BENEFIT OBLIGATION AT START OF PERIOD 9,438 8,823

Current service cost 232 229

Interest cost 90 158

Past service cost (50) (1)

Settlements (47) (11)

Actuarial (gains)/losses on change in demographic assumptions (1) (56)

Actuarial (gains)/losses on change in financial assumptions 537 655

Actuarial (gains)/losses on experience gaps (72) 9

Actual employee contributions 24 24

Benefits paid directly by the employer (109) (140)

Benefits paid from assets/reimbursement rights (434) (377)

Exchange rate (gains)/losses on obligation (198) 140

(Gains)/losses on obligation related to changes in the consolidation scope 18 (15)

PRESENT VALUE OF DEFINED-BENEFIT OBLIGATION AT END OF PERIOD 9,428 9,438

➤ CHANGE IN THE FAIR VALUE OF PLAN ASSETS AND REIMBURSEMENT RIGHTS

In millions of euros

Plan assets Reimbursement rights

Year to 31 Dec. 2020

Year to 31 Dec. 2019

Year to 31 Dec. 2020

Year to 31 Dec. 2019

FAIR VALUE OF ASSETS AT START OF PERIOD 5,909 5,351 3,002 2,839

Expected return on assets 95 145 13 34

Settlements (42) (3)

Actuarial gains/(losses) on assets 325 439 113 168

Actual employee contributions 14 14 9 10

Employer contributions 62 63 110 115

Benefits paid from assets (235) (211) (199) (166)

Exchange rate gains/(losses) on assets (260) 127

Gains/(losses) on assets related to changes in the consolidation scope 2 (16) 2 2

FAIR VALUE OF ASSETS AT END OF PERIOD 5,870 5,909 3,050 3,002

➤ COMPONENTS OF THE COST OF DEFINED-BENEFIT PLANS

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