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2020 Universal registration document and annual financial report - BNP PARIBAS 395

5risks and CaPital adequaCy Pillar 3

5

Credit risk

In millions of euros

31 December 2019

Gross exposure

Stage 3 provisions

Defaulted exposures

Non-defaulted exposures Total

Agriculture, Food, Tobacco 1,248 38,341 39,589 (557)

Insurance 19 15,383 15,403 (7)

Chemicals excluding Pharmaceuticals 67 14,402 14,469 (53)

Building & Public works 3,493 30,938 34,431 (1,644)

Retail trade 1,294 42,864 44,158 (689)

Energy excluding Electricity 787 24,395 25,182 (527)

Equipment excluding IT Electronic 791 43,560 44,351 (436)

Finance 955 298,999 299,954 (805)

Real estate 3,158 93,749 96,907 (1,416)

Information technologies 203 23,546 23,750 (94)

Minerals, metals & materials (including cement, packaging, etc.) 857 30,047 30,905 (452)

Wholesale trade 1,961 59,930 61,891 (1,281)

Private individuals 12,398 399,769 412,167 (6,639)

Healthcare & Pharmaceuticals 150 23,297 23,447 (58)

Services to public authorities (electricity, gas, water, etc.) 742 39,789 40,532 (177)

Business services 1,137 80,872 82,009 (730)

Communication services 140 19,067 19,207 (51)

Sovereign 126 141,583 141,708 (33)

Transportation & Storage 1,350 66,743 68,093 (489)

Other 1,751 61,348 63,099 (945)

TOTAL 32,629 1,548,623 1,581,252 (17,082)

At 31 December 2020, doubtful loans remained stable compared to 31 December 2019, due to the increase in doubtful loans to corporates in sensitive sectors, offset by the sale of portfolios of defaulted loans to retail customers.

The main effects which explain changes in the amount of doubtful loans in 2020 (EU CR2-B) are shown in note 4.f to the consolidated financial statements.

The cost of risk and the changes in impairments related to credit risk are presented in the consolidated financial statements note 2.h Cost of risk.

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