2020 Universal registration document and annual financial report - BNP PARIBAS 357
5risks and CaPital adequaCy Pillar 3
5
Credit risk
Exposure In millions of euros
31 December 2020
Agriculture, Food, Tobacco Insurance
Chemicals excluding
Pharmaceuticals Building &
Public works Retail trade
Energy excluding Electricity
Equipment excluding IT
Electronic Finance Real estate Information
techno logies
Minerals, metals &
materials(*) Wholesale
trade Private
individuals Healthcare &
Pharmaceuticals
Services to public
authorities(**) Business services
Communication services Sovereign
Transportation & Storage Other TOTAL
Central governments or central banks - 82 - - - - - 327,177 - - - - - 37 - 3 - 101,765 - 19 429,083
Institutions 2 1 39 30 258 - 129 43,314 108 0 82 8 - 887 2,020 110 2 4,454 79 2,215 53,740
Corporates 20,363 13,516 13,201 24,386 25,779 26,658 37,890 43,152 69,195 20,139 22,206 32,464 6,161 12,387 36,835 59,154 16,603 96 70,047 51,813 602,043
Retail 3,089 42 59 4,617 6,570 4 674 1,005 15,597 194 325 3,363 231,519 4,962 70 7,970 20 - 401 3,874 284,356
Other items 22 1 1 46 27 0 10 82 40 3 19 36 87 3 14 43 2 33 91 18 578
TOTAL IRB APPROACH 23,475 13,641 13,299 29,080 32,635 26,663 38,704 414,730 84,940 20,336 22,633 35,871 237,767 18,277 38,939 67,281 16,626 106,349 70,618 57,940 1,369,802
Central governments or central banks - - - - - - - 11,507 - - - - - - - 14 - 21,137 - - 32,658
Regional governments or local authorities - - - - - - - - - - - - - 6 - 3 - 5,998 2 38 6,047
Public sector entities - 39 - 1 - - - 2,003 4 1 - - - 2,372 22 207 - 12,238 33 1,022 17,941
Multilateral development banks - - - - - - - 192 - - - - - - - - - - - - 192
International organisations - - - - - - - - - - - - - - - - - 7 - - 7
Institutions - - - - - - - 12,935 - - - - - - - - - - - - 12,935
Corporates 8,739 872 1,364 3,791 12,440 855 7,650 6,064 5,997 3,484 5,305 11,601 14,020 2,573 3,511 10,353 1,904 531 5,032 11,313 117,402
Retail 5,194 28 43 2,069 1,387 9 494 45 822 153 363 2,519 103,640 1,001 198 438 19 - 1,252 2,984 122,658
Exposures secured by mortgages on immovable property 3,282 15 88 390 1,208 8 512 282 7,504 146 606 2,353 40,278 980 91 1,677 12 - 312 2,963 62,708
Exposures in default 596 7 29 565 299 17 275 47 576 46 277 805 5,641 76 40 638 13 40 275 565 10,825
Items associated with particular high risk(***) - - - 44 6 - - - 994 - - - - - - 18 - - - 9 1,071
Exposures in the form of units or shares in collective investment undertakings - - - - - - - 464 - - - - - - - - - - - - 464
Equity - - - - - - - - - - - - - - - - - - - 648 648
Other items 437 18 14 248 347 28 368 4,795 1,297 33 57 638 7,538 44 444 1,718 63 3,020 2,769 4,131 28,010
TOTAL STANDARDISED APPROACH 18,248 980 1,538 7,108 15,688 917 9,300 38,334 17,194 3,863 6,608 17,917 171,118 7,052 4,306 15,065 2,012 42,972 9,675 23,672 413,566
TOTAL 41,723 14,622 14,837 36,188 48,323 27,580 48,003 453,065 102,133 24,198 29,241 53,788 408,885 25,328 43,245 82,346 18,638 149,321 80,293 81,611 1,783,367
(*) Including cement, packaging, etc. (**) Electricity, gas, water, etc. (***) Immovable property financing exposures whose risk profile may be affected by market conditions.
