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2019 Universal registration document and annual financial report - BNP PARIBAS 207

4Consolidated finanCial statements for the year ended 31 deCemBer 2019

4

Notes to the financial statements

➤ DETAIL OF FINANCIAL ASSETS AT AMORTISED COST BY STAGE

In millions of euros

31 December 2019 31 December 2018

Gross Value Impairment

(note 3.h) Carrying

amount Gross Value Impairment

(note 3.h) Carrying

amount

Loans and advances to credit institutions 21,793 (101) 21,692 19,707 (151) 19,556

Stage 1 21,279 (12) 21,267 19,128 (13) 19,115

Stage 2 418 (5) 413 419 (40) 379

Stage 3 96 (84) 12 160 (98) 62

Loans and advances to customers 826,953 (21,176) 805,777 789,952 (24,081) 765,871

Stage 1 719,160 (1,600) 717,560 668,667 (1,515) 667,152

Stage 2 78,005 (3,100) 74,905 87,328 (3,231) 84,097

Stage 3 29,788 (16,476) 13,312 33,957 (19,335) 14,622

Debt securities 108,588 (134) 108,454 75,203 (130) 75,073

Stage 1 107,630 (30) 107,600 74,240 (21) 74,219

Stage 2 754 (17) 737 769 (31) 738

Stage 3 204 (87) 117 194 (78) 116

Total financial assets at amortised cost 957,334 (21,411) 935,923 884,862 (24,362) 860,500

5.f IMPAIRED FINANCIAL ASSETS (STAGE 3) The following tables present the carrying amounts of impaired financial assets carried at amortised cost and of impaired financing and guarantee commitments, as well as related collateral and other guarantees.

The amounts shown for collateral and other guarantees correspond to the lower of the value of the collateral or other guarantee and the value of the secured assets.

In millions of euros

31 December 2019

Impaired financial assets (Stage 3) Collateral

receivedGross value Impairment Net

Loans and advances to credit institutions (note 5.e) 96 (84) 12 115

Loans and advances to customers (note 5.e) 29,788 (16,476) 13,312 8,821

Debt securities at amortised cost (note 5.e) 204 (87) 117 45

TOTAL AMORTISED-COST IMPAIRED ASSETS (STAGE 3) 30,088 (16,647) 13,441 8,981

Financing commitments given 1,094 (58) 1,036 306

Guarantee commitments given 1,432 (275) 1,157 342

TOTAL OFF-BALANCE SHEET IMPAIRED COMMITMENTS (STAGE 3) 2,526 (333) 2,193 648

In millions of euros

31 December 2018

Impaired financial assets (Stage 3) Collateral

receivedGross value Impairment Net

Loans and advances to credit institutions (note 5.e) 160 (98) 62 132

Loans and advances to customers (note 5.e) 33,957 (19,335) 14,622 9,663

Debt securities at amortised cost (note 5.e) 194 (78) 116

TOTAL AMORTISED-COST IMPAIRED ASSETS (STAGE 3) 34,311 (19,511) 14,800 9,795

Financing commitments given 644 (37) 607 148

Guarantee commitments given 1,285 (281) 1,004 250

TOTAL OFF-BALANCE SHEET IMPAIRED COMMITMENTS (STAGE 3) 1,929 (318) 1,611 398

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