2019 Universal registration document and annual financial report - BNP PARIBAS 479

6information on the Parent ComPany finanCial statements at 31 deCemBer 2019

6

Notes to the parent company financial statements

3.b CUSTOMER ITEMS

In millions of euros at 31 December 2019 31 December 2018

Loans and receivables 357,136 334,178

Commercial and industrial loans 10,098 7,873

Demand accounts 15,036 17,476

Short-term loans 90,366 78,561

Mortgages 84,910 80,243

Equipment loans 53,974 49,328

Export loans 6,377 8,170

Other customer loans 95,523 90,991

Subordinated loans 852 1,536

Securities received under repurchase agreements 144,763 121,628

CUSTOMER ITEMS BEFORE IMPAIRMENT ASSETS 501,899 455,806

of which accrued interest 1,474 1,350

of which loans eligible for refinancing by the Banque de France 46 35

of which potentially recoverable doubtful loans and receivables 3,445 3,468

of which irrecoverable loans and receivables 5,206 5,339

Impairment on receivables due from customers (note 2.f) (5,965) (5,644)

CUSTOMER ITEMS NET OF IMPAIRMENT ASSETS 495,934 450,162

The following table gives the loans and receivables net of impairment due from customers by counterparty:

In millions of euros at

31 December 2019 31 December 2018

Sound loans

Doubtful loans

Total Sound loans

Doubtful loans

Total Potentially

recoverable Irrecoverable Potentially

recoverable Irrecoverable

Financial institutions 68,826 25 30 68,881 68,121 61 95 68,277

Corporate 187,679 1,139 1,790 190,608 171,269 1,451 1,667 174,387

Entrepreneurs 9,008 59 137 9,204 8,678 57 152 8,887

Individuals 75,781 258 482 76,521 68,940 239 627 69,806

Other non-financial customers 5,898 59 - 5,957 7,085 91 1 7,177

TOTAL LOANS AND RECEIVABLES NET OF IMPAIRMENT 347,192 1,540 2,439 351,171 324,093 1,899 2,542 328,534

In millions of euros at 31 December 2019 31 December 2018

Deposits 418,668 418,241

Demand deposits 207,763 190,910

Term deposits 140,378 157,768

Regulated savings accounts 70,527 69,563

of which demand regulated savings accounts 52,617 52,116

Securities given under repurchase agreements 168,476 148,986

CUSTOMER ITEMS LIABILITIES 587,144 567,227

of which accrued interest 1,095 1,053