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2020 Universal registration document and annual financial report - BNP PARIBAS364

5 risks and CaPital adequaCy Pillar 3

5

Credit risk

Modelled parameter Portfolio

Number of models Model and methodology

Number of years default/loss data Main asset class

LGD Sovereigns 1 Qualitative > 10 ans

Central governments and central banks

Financial institutions 4 Quantitative + expert opinion > 10 ans

Institutions Central governments and central banks Corporate - other

Insurance 1 Qualitative > 10 ans Corporate - other

Large corporates 5

Quantitative - calibrated on internal data Quantitative + expert opinion Quantitative > 10 ans Corporate - other

Real Estate non-retail in France 1 Qualitative - Asset valuation haircut > 10 ans Corporate - other

Specialised financing 4

Quantitative - calibrated on internal data Qualitative > 10 ans Corporate - specialised lending

Non Retail Rating Global Policy 1 Qualitative > 10 ans Corporate - other

BDDF - SME 1 Quantitative - calibrated on internal data > 10 ans Corporate - SME

BDDF - Professionnals & Entrepreneurs 1

Quantitative - calibrated on internal data > 10 ans Retail - other SME

BDDF - Private life (Individuals & Professionnals) 1

Quantitative - calibrated on internal data > 10 ans

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

Personal Finance 2 Quantitative - calibrated on internal data > 10 ans Retail - other non SME

BNPP Fortis - Professionnals & SME 1

Quantitative - calibrated on internal data > 10 ans

Retail - other SME/secured by real estate SME

BNPP Fortis - Individuals 1 Quantitative - calibrated on internal data > 10 ans

Retail/secured by real estate non-SME

BNPP Fortis - Public entities 1 Quantitative + expert opinion > 10 ans Institutions

BNL - SME 1 Quantitative - calibrated on internal data > 10 ans Corporate - SME

BNL - Retail Individuals 1 Quantitative - calibrated on internal data > 10 ans Retail - other non-SME

BNL - Professionnals et Retail SME 1

Quantitative - calibrated on internal data > 10 ans Retail - other non-SME

BGL - Retail 1 Quantitative > 10 ans Retail - other non SME

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