2020 Universal registration document and annual financial report - BNP PARIBAS386

5 risks and CaPital adequaCy Pillar 3

5

Credit risk

➤ TABLE 45: PERFORMING AND NON PERFORMING EXPOSURES BY PAST DUE DAYS (EU NPL3) [Audited]

In millions of euros

31 December 2020

Performing exposures Non-performing exposures

Not past due or ≤ 30 days

> 30 days ≤ 90 days

Unlikely to pay that are

not past due or are past

due ≤ 90 days > 90 days

≤ 180 days > 180 days

≤ 1 year > 1 year

≤ 5 years > 5 years of which

defaulted

Loans and advances 1,154,591 1,151,015 3,576 33,492 9,208 2,881 2,348 8,766 10,289 30,491

Central banks 308,765 308,765 - - - - - - - -

General governments 27,952 27,901 51 525 19 47 77 222 160 117

Credit institutions 16,036 15,996 40 83 13 1 1 3 65 81

Other financial corporations 76,282 75,542 740 1,478 702 312 43 170 251 1,474

Non-financial corporations 402,193 400,477 1,716 17,060 5,235 1,290 1,132 3,545 5,858 16,418

of which SME 120,194 119,666 528 6,841 1,693 371 460 1,932 2,385 6,604

Households 323,363 322,334 1,029 14,346 3,239 1,231 1,095 4,826 3,955 12,401

Debt securities 179,970 179,970 - 528 399 - - 101 28 528

Central banks 4,404 4,404 - 1 1 - - - - 1

General governments 137,331 137,331 - 8 8 - - - - 8

Credit institutions 15,975 15,975 - 101 - - - 99 2 101

Other financial corporations 18,506 18,506 - 167 145 - - 2 20 167

Non-financial corporations 3,754 3,754 - 251 245 - - - 6 251

Off-balance-sheet exposures 511,269 2,366 2,363

Central banks 13,391 - -

General governments 24,134 7 7

Credit institutions 34,149 - -

Other financial corporations 74,516 88 88

Non-financial corporations 308,478 2,097 2,095

Households 56,601 174 173

TOTAL 1,845,830 1,330,985 3,576 36,386 9,607 2,881 2,348 8,867 10,317 33,382