Your browser is not up to date and is not able to run this publication.
Learn more

2020 Universal registration document and annual financial report - BNP PARIBAS314

5 risks and CaPital adequaCy Pillar 3

5

Capital management and capital adequacy

The following table shows the main differences between the amounts of accounting exposure on the regulatory balance sheet (see previous table) and the amounts of exposure used for regulatory purposes, based on the different types of risk, except market risk. Indeed, for the latter, the main regulatory measure used by the Group is Value at Risk (VaR), which reflects the sensitivity of the Bank s trading book to the different market parameters (see section 5.7, Market risk exposure). Therefore the VaR amount does not relate directly to the net book value of the assets and liabilities subject to market risk.

➤ TABLE 12: RECONCILIATION BETWEEN NET CARRYING VALUES UNDER THE PRUDENTIAL SCOPE AND THE EXPOSURE AMOUNTS CONSIDERED FOR REGULATORY PURPOSES (EU LI2)

In millions of euros

31 December 2020

Credit risk framework

Counterparty credit risk

framework Securitisation

framework Market risk framework

ASSETS NET CARRYING VALUE 1,326,570 671,470 48,300 691,301

Liabilities net carrying value (648,618)

Off-balance-sheet amounts net of depreciation 451,865 18,094

Credit risk impairment amounts 22,753 64

Amounts below the thresholds for deduction (subject to 250% risk weight)(*) (6,825)

Differences in valuations due to the use of internal models(**) 193,656

Other adjustments 6,006

EXPOSURE AMOUNTS CONSIDERED FOR REGULATORY PURPOSES 1,800,369 216,508 66,458

(*) Includes deferred tax assets depending on future profits and significant participations in financial sector entities, subject to 250% risk weight. (**) The main regulatory measure used by the Group for counterparty risk is the EEPE (Effective Expected Positive Exposure). The features of the valuation

model are described in section 5.6 in the paragraph Counterparty risk measurement.

In millions of euros

31 December 2019

Credit risk framework

Counterparty credit risk

framework Securitisation

framework Market risk framework

ASSETS NET CARRYING VALUE 1,158,901 565,668 50,755 574,996

Liabilities net carrying value (528,308)

Off-balance-sheet amounts net of depreciation 417,997 10,489

Credit risk impairment amounts 22,338 32

Amounts below the thresholds for deduction (subject to 250% risk weight)(*) (6,549)

Differences in valuations due to the use of internal models(**) 129,717

Other adjustments 5,452

EXPOSURE AMOUNTS CONSIDERED FOR REGULATORY PURPOSES 1,598,139 167,077 61,276

(*) Includes deferred tax assets depending on future profits and significant participations in financial sector entities, subject to 250% risk weight. (**) The main regulatory measure used by the Group for counterparty risk is the EEPE (Effective Expected Positive Exposure). The features of the valuation

model are described in section 5.6 in the paragraph Counterparty risk measurement.

Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020Universal registration document and annual financial report 2020
Powered by Fluidbook