2018 Registration document and annual fi nancial report - BNP PARIBAS 369

5RISKS AND CAPITAL ADEQUACY PILLAR 3

5

Credit risk

➤ TABLE 45: DEFAULTED EXPOSURES AND PROVISIONS BY INDUSTRY (EU CR1-B)

In millions of euros

31 December 2018

Gross exposure

Stage 3 provisions

Stage 1 and stage 2

provisions Defaulted

exposures Non-defaulted

exposures Total

Agriculture, Food, Tobacco 1,476 42,888 44,364 818

Insurance 17 15,971 15,988 5

Chemicals excluding Pharmaceuticals 75 15,715 15,789 53

Building & Public works 4,126 30,385 34,511 2,147

Retail trade 1,147 39,223 40,369 762

Energy excluding Electricity 907 21,477 22,384 535

Equipment excluding IT Electronic 968 41,927 42,895 566

Finance 813 325,018 325,831 613

Real estate 3,916 88,567 92,484 1,873

Information technologies 227 21,966 22,193 117

Minerals, metals & materials (including cement, packaging, etc.) 1,038 29,081 30,118 621

Wholesale trade 2,269 60,576 62,845 1,470

Private individual 13,610 388,974 402,584 7,491

Healthcare & Pharmaceuticals 146 20,530 20,676 78

Services to public authorities (electricity, gas, water, etc.) 366 35,990 36,356 187

Business services 1,691 76,772 78,463 807

Communication services 320 18,765 19,085 113

Sovereign 187 115,772 115,960 33

Transportation & Storage 1,41 5 45,10 0 46,515 607

Other 1,937 59,215 61,151 1,158

TOTAL 36,651 1,493,912 1,530,563 20,052 5,440

The cost of risk and the changes in impairments related to credit risk are presented in the consolidated fi nancial statements note 3.h Cost of risk.