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2020 Universal registration document and annual financial report - BNP PARIBAS388

5 risks and CaPital adequaCy Pillar 3

5

Credit risk

The following table shows the carrying amounts of the financial assets subject to impairment provisions for credit risk broken down by stage of impairment and by BNP Paribas internal rating in the prudential scope. Financial assets subject to impairment are recognised in the following accounting categories:

■ amounts due from central banks (excluding cash);

■ debt securities at fair value through equity or at amortised cost;

■ loans and advances at amortised cost;

■ financing and guarantee commitments given (off-balance sheet).

➤ TABLE 46: BREAKDOWN OF FINANCIAL ASSETS SUBJECT TO IMPAIRMENT BY STAGE AND INTERNAL RATING [Audited]

In millions of euros

31 December 2020

Gross carrying value

Impairments

Net carrying

value

BNP Paribas rating or equivalent

TOTAL1 to 3 4 to 5 6 to 8 9 to 10 Defaulted

Central Banks 301,462 1,366 2,561 402 - 305,791 (17) 305,774

Stage 1 301,462 1,366 2,441 - - 305,269 (13) 305,256

Stage 2 - - 120 402 - 522 (4) 518

Stage 3 - - - - - - - -

Debt securities at fair value through equity 52,781 2,727 3,414 9 108 59,039 (132) 58,907

Stage 1 52,781 2,604 3,345 - - 58,730 (7) 58,723

Stage 2 - 123 69 9 - 201 (21) 180

Stage 3 - - - - 108 108 (104) 4

Loans and advances at amortised cost 169,382 265,716 401,491 14,427 30,427 881,443 (21,609) 859,834

Stage 1 169,382 249,821 338,074 - - 757,277 (2,359) 754,918

Stage 2 - 15,895 63,417 14,427 - 93,739 (3,163) 90,576

Stage 3 - - - - 30,427 30,427 (16,087) 14,340

Debt securities at amortised cost 105,206 9,425 4,282 193 270 119,376 (158) 119,218

Stage 1 105,206 9,224 3,829 - - 118,259 (21) 118,238

Stage 2 - 201 453 193 - 847 (33) 814

Stage 3 - - - - 270 270 (104) 166

Financing and guarantee commitments 233,140 146,618 126,915 4,183 2,364 513,220 (963) 512,257

Stage 1 233,140 141,547 113,426 - - 488,113 (319) 487,794

Stage 2 - 5,071 13,489 4,183 - 22,743 (297) 22,446

Stage 3 - - - - 2,364 2,364 (347) 2,017

TOTAL 861,971 425,852 538,663 19,214 33,169 1,878,869 (22,879) 1,855,990

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