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3612019 Universal registration document and annual financial report - BNP PARIBAS

5risks and CaPital adequaCy Pillar 3

5

Credit risk

In millions of euros

31 December 2018

Gross carrying amount Accumulated impairment, accumulated negative

changes in fair value due to credit risk and provisions

Performing exposures Non-performing exposures Performing exposures Non-performing exposures

of which stage 1

of which stage 2

of which stage 1 and

stage 2 of which

stage 3 of which

stage 1 of which

stage 2

of which stage 1 and

stage 2 of which

stage 3

Loans and advances 964,969 878,033 86,936 37,854 3,166 34,688 (4,480) (1,536) (2,944) (19,975) (409) (19,566)

Central banks 184,962 184,774 188 - - - - - - - - -

General governments 35,909 33,279 2,630 877 651 226 (27) (6) (21) (33) (8) (25)

Credit institutions 16,745 16,333 412 154 - 154 (42) (7) (35) (92) - (92)

Other financial corporations 66,404 62,962 3,442 1,285 26 1,259 (119) (46) (73) (942) (1) (941)

Non-financial corporations 349,798 302,396 47,402 19,417 431 18,986 (1,542) (581) (961) (10,603) (6) (10,597)

of which SMEs 104,362 89,037 15,325 9,996 143 9,853 (746) (257) (489) (5,319) (4) (5,315)

Households 311,151 278,289 32,862 16,121 2,058 14,063 (2,750) (896) (1,854) (8,305) (394) (7,911)

Debt securities 135,568 134,306 1,262 494 - 494 (80) (28) (52) (276) - (276)

Central banks 4,758 4,758 - - - - (1) (1) - - - -

General governments 102,157 102,006 151 - - - (22) (15) (7) - - -

Credit institutions 9,644 9,565 79 126 - 126 (7) (3) (4) (113) - (113)

Other financial corporations 15,541 14,613 928 129 - 129 (39) (8) (31) (57) - (57)

Non-financial corporations 3,468 3,364 104 239 - 239 (11) (1) (10) (106) - (106)

Off-balance sheet exposures 448,844 431,629 17,215 1,939 11 1,928 (457) (237) (220) (319) (1) (318)

Central banks 21,442 21,440 2 - - - - - - - - -

General governments 29,329 28,159 1,170 43 - 43 (4) (1) (3) (12) - (12)

Credit institutions 15,223 14,439 784 6 - 6 (21) (4) (17) (1) - (1)

Other financial corporations 54,443 52,790 1,653 50 - 50 (20) (13) (7) (17) - (17)

Non-financial corporations 271,360 259,745 11,615 1,727 10 1,717 (295) (157) (138) (282) (1) (281)

Households 57,047 55,056 1,991 113 1 112 (117) (62) (55) (7) - (7)

TOTAL 1,549,381 1,443,968 105,413 40,287 3,177 37,110 (5,017) (1,801) (3,216) (20,570) (410) (20,160)

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