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2020 Universal registration document and annual financial report - BNP PARIBAS 363

5risks and CaPital adequaCy Pillar 3

5

Credit risk

➤ TABLE 32: MAIN MODELS: PD, LGD AND CCF/EAD

Modelled parameter Portfolio

Number of models Model and methodology

Number of years default/loss data Main asset class

PD Sovereigns 1 Qualitative > 10 years

Central governments and central banks

Financial institutions 4 Quantitative + expert opinion > 10 years

Institutions Central governments and central banks Corporate - other

Insurance 1 Quantitative + expert opinion > 10 years Corporate - other

Large corporates 3

Quantitative + expert opinion Qualitative > 10 years Corporate - other

Real Estate non-retail in France 1 Qualitative > 10 years Corporate - other

Specialised financing 3

Qualitative Quantitative + expert opinion > 10 years Corporate - specialised lending

Non Retail Rating Global Policy 2 Qualitative > 10 years Corporate - other

BDDF - SME 1 Quantitative + expert opinion > 10 years Corporate - SME

BDDF - Professionnals & Entrepreneurs 1 Quantitative > 10 years Retail - other SME

BDDF - Private life (Individuals & Professionnals) 1 Quantitative > 10 years

Retail - other non-SME/qualifying Revolving/secured by real estate non-SME

Personal Finance 2 Quantitative > 10 years Retail - other non-SME

BNPP Fortis - SME 3 Quantitative + expert opinion > 10 years

Retail - other/secured by real estate SME

BNPP Fortis - Professionnals 1 Quantitative > 10 years Retail - other SME/secured by real estate SME

BNPP Fortis - Individuals 1 Quantitative > 10 years Retail - Secured by real estate non- SME

BNPP Fortis - Public entities 1 Quantitative + expert opinion 8 years Institutions

BNL - SME 1 Quantitative - logistic regression > 10 years Corporate - SME

BNL - Retail Individuals 1 Quantitative - logistic regression > 10 years Retail - other non-SME

BNL - Professionnals et Retail SME 1

Quantitative - logistic regression > 10 years Retail - other SME

BGL - Retail 1 Quantitative > 10 years Retail non-SME/secured by real estate SME

The breakdown of the main models used by the Group, their characteristics and main exposures covered is presented below.

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