2020 Universal registration document and annual financial report - BNP PARIBAS506

6 information on the Parent ComPany finanCial statements at 31 deCemBer 2020

6

Notes to the parent company financial statements

Note 3 NOTES TO THE BALANCE SHEET AT 31 DECEMBER 2020

3.a AMOUNTS DUE TO AND FROM CREDIT INSTITUTIONS

3.b CUSTOMER ITEMS

In millions of euros, at 31 December 2020 31 December 2019

Loans and receivables 123,500 162,253

Demand accounts 6,469 5,759

Term accounts and loans 109,303 149,298

Subordinated loans 7,728 7,196

Securities received under repurchase agreements 75,364 68,099

LOANS AND ADVANCES TO CREDIT INSTITUTIONS BEFORE IMPAIRMENT 198,864 230,352

of which accrued interest 392 544

of which irrecoverable loans 2

of which potentially recoverable doubtful loans 13 17

Impairments on receivables due from credit institutions (note 2.f) (161) (191)

LOANS AND RECEIVABLES TO CREDIT INSTITUTIONS NET OF IMPAIRMENT 198,703 230,161

In millions of euros, at 31 December 2020 31 December 2019

Deposits and borrowings 236,411 183,575

Demand deposits 12,991 13,332

Term deposits and borrowings 223,420 170,243

Securities given under repurchase agreements 68,675 86,564

DUE TO CREDIT INSTITUTIONS 305,086 270,139

of which accrued interest 112 406

In millions of euros, at 31 December 2020 31 December 2019

Loans and receivables 375,869 357,136

Commercial and industrial loans 9,276 10,098

Demand accounts 14,191 15,036

Short-term loans(*) 106,129 90,366

Mortgages 91,633 84,910

Equipment loans 58,270 53,974

Export loans 5,381 6,377

Other customer loans 90,523 95,523

Subordinated loans 466 852

Securities received under repurchase agreements 181,810 144,763

CUSTOMER ITEMS BEFORE IMPAIRMENT ASSETS 557,679 501,899

of which accrued interest 1,118 1,474

of which loans eligible for refinancing by the Banque de France 17 46

of which receivable from the savings fund presented as the centralized share with the Caisse des Dépôts et Consignations, less the savings deposits collected(**) 15,265

of which potentially recoverable doubtful loans and receivables 4,081 3,445

of which irrecoverable loans and receivables 5,286 5,206

Impairments on receivables due from customers (note 2.f) (5,924) (5,965)

CUSTOMER ITEMS NET OF IMPAIRMENT ASSETS 551,755 495,934

(*) At 31 December 2020, the total amount of government-guaranteed loans granted by BNP Paribas SA, mainly in France, amounted to EUR 16.9 billion, with a corresponding guarantee amount of EUR 15 billion.

(**) Following application of Regulation No. 2020-10 of 22 December 2020, the centralisation receivable is presented as the centralised share with the Caisse des Dépôts et Consignations, less the savings deposits collected in special regime savings accounts as of 31 December 2020.