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266 2019 Universal registration document and annual financial report - BNP PARIBAS

5 risks and CaPital adequaCy Pillar 3

5

5.6 Counterparty credit risk 386 Counterparty credit risk valuation 386 Exposure to counterparty credit risk 389 Bilateral counterparty credit risk 390 Counterparty credit risk for exposures to central counterparties associated with clearing activities 394 CVA risk 395 Counterparty credit risk management 395 Capital requirement and risk-weighted assets 397

5.7 Market risk 398 Capital requirement and risk-weighted assets for market risk 398 Market risk related to trading activities 400 Market risk related to banking activities 412

5.8 Liquidity risk 416 Liquidity risk management policy 416 Liquidity risk management and supervision 417 Encumbrance of group assets and assets received by the Group 427

5.9 Operational risk 430 Regulatory framework 430 Organisation and oversight mechanism 431 Specific components linked to operational risk 432 Operational risk exposure 436 Capital requirement calculation 436

5.10 Insurance risks 438 BNP Paribas Cardif Group Risk Management system 438 Market risk 439 Insurance underwriting risk 441

Appendix 1: Sovereign exposures 443

Appendix 2: Regulatory capital Detail 446

Appendix 3: Countercyclical capital buffer 452

Appendix 4: Capital requirements of significant subsidiaries 454 BNP Paribas Fortis Group 454 BNL Group 455 BNP Paribas USA Inc. Group 456 Bank of the West Group 457 BNP Paribas Personal Finance Group 458 BGL BNP Paribas Group 459

Appendix 5: List of tables and figures 460

Appendix 6: Acronyms 463

Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and annual financial report 2019Universal registration document and 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