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2020 Universal registration document and annual financial report - BNP PARIBAS368

5 risks and CaPital adequaCy Pillar 3

5

Credit risk

➤ FIGURE 8: IRBA EXPOSURE BY PD RANGE SOVEREIGN, FINANCIAL INSTITUTION, CORPORATE AND SPECIALISED FINANCING PORTFOLIOS

% of exposure

10 to < 1002.5 to < 100.75 to < 2.500.50 to < 0.750.25 to < 0.500.15 to < 0.250.00 to < 0.15

31 December 2020 31 December 2019

0%

10%

20%

30%

40%

50%

60%

70%

PD range (%)

SOVEREIGN, FINANCIAL INSTITUTION, CORPORATE AND SPECIALISED FINANCING PORTFOLIOS The following table presents the breakdown by PD range of loans and commitments for the asset classes: Central governments and central banks, Institutions and Corporates for all the Group s business lines using the advanced IRB Approach. This exposure represented EUR 1,085 billion at 31 December 2020, including EUR 1,072 billion of non-defaulted loans and EUR 13 billion of defaulted loans, compared with EUR 882 billion at 31 December 2019, including EUR 870 billion of non-defaulted loans and EUR 12 billion of defaulted loans.

The table also gives the weighted averages of the main risk parameters in the Basel framework:

■ average probability of default weighted by exposure at default: average PD(1);

■ weighted average of Credit Conversion Factor (CCF) for off-balance sheet items: average CCF(2);

■ average Loss Given Default weighted by exposure at default: average LGD(3);

■ average of residual maturities (in years) weighted by the exposure at default: average maturity.

The average risk weight (average RW) is defined as the ratio between risk-weighted assets and the exposure at default (EAD), resulting from the parameters defined above.

The column Expected loss presents the expected loss at a one-year horizon.

(1) Average PD: Probability of Default average probability of default weighted by exposure at default.

(2) Average CCF: Credit Conversion Factor ratio of exposure at default to off-balance sheet exposure.

(3) Average LGD: Loss Given Default average Loss Given Default weighted by exposure at default.

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 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