362 2019 Universal registration document and annual financial report - BNP PARIBAS

5 risks and CaPital adequaCy Pillar 3

5

Credit risk

➤ TABLE 44: PERFORMING AND NON PERFORMING EXPOSURES BY PAST DUE DAYS (EU NPL3) [Audited]

In millions of euros

31 December 2019

Performing exposures Non-performing exposures

Not past due or ≤ 30 days

> 30 days ≤ 90 days

Unlikely to pay that

are not past due or are

past due ≤ 90 days

> 90 days ≤ 180 days

> 180 days ≤ 1 year

> 1 year ≤ 5 years > 5 years

of which defaulted

Loans and advances 992,643 989,120 3,523 33,314 7,239 1,925 2,087 11,237 10,826 30,264

Central banks 154,017 154,017 - - - - - - - -

General governments 34,855 34,722 133 266 30 12 33 121 70 131

Credit institutions 18,961 18,956 5 96 18 3 1 60 14 93

Other financial corporations 72,619 72,554 65 1,354 514 8 37 187 608 1,348

Non-financial corporations 386,707 384,869 1,838 16,477 4,029 791 1,044 4,129 6,484 15,867

of which SMEs 113,081 112,378 703 7,021 949 394 431 2,243 3,004 6,876

Households 325,484 324,002 1,482 15,121 2,648 1,111 972 6,740 3,650 12,825

Debt securities 165,449 165,449 - 483 324 - - 103 56 483

Central banks 3,368 3,368 - 1 1 - - - - 1

General governments 127,683 127,683 - - - - - - - -

Credit institutions 11,809 11,809 - 117 5 - - 99 13 117

Other financial corporations 18,138 18,138 - 93 67 - - 4 22 93

Non-financial corporations 4,451 4,451 - 272 251 - - - 21 272

Off-balance sheet exposures 480,031 2,527 2,526

Central banks 16,851 - -

General governments 24,963 28 28

Credit institutions 20,436 19 19

Other financial corporations 68,687 85 85

Non-financial corporations 288,416 2,260 2,260

Households 60,678 135 134

TOTAL 1,638,123 1,154,569 3,523 36,324 7,563 1,925 2,087 11,340 10,882 33,273