3352019 Universal registration document and annual financial report - BNP PARIBAS
5risks and CaPital adequaCy Pillar 3
5
Credit risk
Exposure In millions of euros
31 December 2019
Agriculture, Food,
Tobacco Insurance
Chemicals excluding
Pharma- ceuticals
Building & Public works
Retail trade
Energy excluding Electricity
Equipment excluding IT
Electronic Finance Real estate
Infor- mation
techno- logies
Minerals, metals &
materials(*) Wholesale
trade Private
individual
Healthcare & Pharma-
ceuticals
Services to public
authorities(**) Business services
Communica- tion services
Sove- reign
Transporta- tion & Storage Other TOTAL
Central governments or central banks - 174 - - - - - 176,684 - - - - - 13 0 51 - 92,939 - 494 270,355
Institutions 20 1 47 55 275 - 50 46,372 121 0 90 183 - 966 1,994 86 3 5,781 620 1,473 58,137
Corporates 18,974 14,108 12,599 23,489 25,344 24,391 33,629 42,815 64,906 18,841 23,411 35,821 2,155 12,881 34,169 55,939 17,034 120 59,823 32,825 553,272
Retail 735 40 60 3,159 4,263 4 647 1,662 14,997 191 337 1,165 231,883 2,013 68 9,163 19 - 313 2,773 273,493
Other items 20 1 1 48 29 0 11 22 31 3 17 37 86 3 13 39 0 0 83 17 459
TOTAL IRB APPROACH 19,750 14,324 12,707 26,750 29,911 24,395 34,336 267,554 80,055 19,035 23,854 37,205 234,124 15,875 36,244 65,278 17,056 98,840 60,839 37,583 1,155,716
Central governments or central banks - - - - - - - 7,094 - - - - - - - 9 - 22,415 - 0 29,518
Regional governments or local authorities - - - - - - - - - - 0 - - - 0 - - 5,913 3 0 5,916
Public sector entities - 28 - 1 - - - 2,511 1 - - - 1 2,341 23 41 - 12,105 46 1,076 18,176
Multilateral development banks - - - - - - - 192 - - - - - - - - - - - - 192
International organisations - - - - - - - - - - - - - - - - - 9 - - 9
Institutions - - - - - - - 10,320 - - - 225 31 - - 236 - - - - 10,813
Corporates 9,108 951 1,573 3,861 10,615 673 8,260 4,382 4,259 4,180 5,625 15,066 15,077 2,206 3,697 10,020 2,069 208 4,649 12,043 118,520
Retail 5,583 34 44 2,288 1,330 13 679 363 982 191 424 3,870 105,610 1,410 177 2,340 32 - 1,231 3,419 130,019
Exposures secured by mortgages on immovable property 3,975 51 99 747 1,551 17 580 187 8,959 214 601 3,446 43,875 1,498 82 1,285 8 - 480 3,078 70,732
Exposures in default 730 3 27 557 312 65 267 40 551 47 328 1,149 5,718 72 42 156 14 42 185 521 10,826
Items associated with particular high risk(***) - - - 25 8 - - - 1,151 - 0 0 - - - 2 - - - 0 1,187
Exposures in the form of units or shares in collective investment undertakings - - - - - - - 533 - - - - - - - - - - - - 533
Equity - - - - - - - - - - - - - - - - - - - 782 782
Other items 444 11 20 202 432 19 229 6,777 949 82 72 930 7,732 45 267 2,642 28 2,176 660 4,598 28,314
TOTAL STANDARDISED APPROACH 19,840 1,078 1,762 7,681 14,247 787 10,015 32,400 16,852 4,714 7,050 24,686 178,043 7,572 4,288 16,731 2,151 42,868 7,254 25,516 425,536
TOTAL 39,589 15,403 14,469 34,431 44,158 25,182 44,351 299,954 96,907 23,750 30,905 61,891 412,167 23,447 40,532 82,009 19,207 141,708 68,093 63,099 1,581,252
(*) Including cement, packaging, etc. (**) Electricity, gas, water, etc. (***) Immovable property financing exposures whose risk profile may be affected by market conditions.
