2012 Registration document and annual financial report - BNP Paribas

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4CONSOLIDATEDFINANCIAL STATEMENTS - YEAR ENDED 31 DECEMBER 2012Notes to the financial statements5.f INTERBANK AND MONEY-MARKET ITEMS➤ LOANS AND RECEIVABLES DUE FROM CREDIT INSTITUTIONSIn millions of euros 31 December 2012 31 December 2011On demand accounts 8,665 12,099Loans 28,250 35,130Repurchase agreements 4,028 2,847TOTAL LOANS AND RECEIVABLES DUE FROM CREDIT INSTITUTIONS, BEFORE IMPAIRMENTPROVISIONS 40,943 50,076of which doubtful loans 995 976Provisions for impairment of loans and receivables due from credit institutions (note 2.f) (537) (707)specific provisions (508) (696)collective provisions (29) (11)TOTAL LOANS AND RECEIVABLES DUE FROM CREDIT INSTITUTIONS, NET OF IMPAIRMENTPROVISIONS 40,406 49,3694➤ DUE TO CREDIT INSTITUTIONSIn millions of euros 31 December 2012 31 December 2011On demand accounts 9,840 18,308Borrowings 93,862 119,324Repurchase agreements 8,033 11,522TOTAL DUE TO CREDIT INSTITUTIONS 111,735 149,1545.g CUSTOMER ITEMS➤ LOANS AND RECEIVABLES DUE FROM CUSTOMERSIn millions of euros 31 December 2012 31 December 2011On demand accounts 43,434 38,448Loans to customers 583,469 624,229Repurchase agreements 2,177 1,421Finance leases 27,965 29,694TOTAL LOANS AND RECEIVABLES DUE FROM CUSTOMERS, BEFORE IMPAIRMENT PROVISIONS 657,045 693,792of which doubtful loans 42,453 43,696Impairment of loans and receivables due from customers (note 2.f) (26,525) (27,958)specific provisions (22,213) (23,103)collective provisions (4,312) (4,855)TOTAL LOANS AND RECEIVABLES DUE FROM CUSTOMERS, NET OF IMPAIRMENT PROVISIONS 630,520 665,8341482012 Registration document and annual financial report - BNP PARIBAS
CONSOLIDATED FINANCIAL STATEMENTS - YEAR ENDED 31 DECEMBER 2012Notes to the financial statements4➤ BREAKDOWN OF FINANCE LEASESIn millions of euros 31 December 2012 31 December 2011Gross investment 31,576 32,614Receivable within 1 year 8,635 8,856Receivable after 1 year but within 5 years 15,753 16,127Receivable beyond 5 years 7,188 7,631Unearned interest income (3,611) (2,920)Net investment before impairment provisions 27,965 29,694Receivable within 1 year 7,757 8,165Receivable after 1 year but within 5 years 13,935 14,636Receivable beyond 5 years 6,273 6,893Impairment provisions (969) (1,062)Net investment after impairment provisions 26,996 28,632➤ DUE TO CUSTOMERSIn millions of euros 31 December 2012 31 December 2011On demand deposits 259,770 254,530Term accounts and short-term notes 212,059 214,056Regulated savings accounts 60,380 54,538Repurchase agreements 7,304 23,160TOTAL DUE TO CUSTOMERS 539,513 546,28442012 Registration document and annual financial report - BNP PARIBAS 149
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2012REGISTRATION DOCUMENTAND ANNUAL
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2012 Registration documentand annua
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1GROUP PRESENTATION1.1 Group presen
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GROUP PRESENTATIONPresentation of a
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1GROUPPRESENTATIONBNP Paribas and i
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1GROUPPRESENTATION1282012 Registrat
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2CORPORATEGOVERNANCEBoard of Direct
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2CORPORATEGOVERNANCEReport of the C
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2CORPORATEGOVERNANCEExecutive Commi
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32012REVIEW OF OPERATIONSBNP Pariba
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32012REVIEW OF OPERATIONSCore busin
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32012REVIEW OF OPERATIONSBalance sh
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32012REVIEW OF OPERATIONSProfit and
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32012REVIEW OF OPERATIONSProfit and
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5RISKSAND CAPITAL ADEQUACY5.6 Count
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5RISKSAND CAPITAL ADEQUACYAnnual ri
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5RISKSAND CAPITAL ADEQUACYCapital m
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5RISKSAND CAPITAL ADEQUACYRisk mana
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5RISKSAND CAPITAL ADEQUACYCredit ri
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5RISKSAND CAPITAL ADEQUACYSecuritis
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5RISKSAND CAPITAL ADEQUACYCounterpa
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5RISKSAND CAPITAL ADEQUACYMarket ri
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5RISKSAND CAPITAL ADEQUACYSovereign
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5RISKSAND CAPITAL ADEQUACYSovereign
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5RISKSAND CAPITAL ADEQUACYLiquidity
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5RISKSAND CAPITAL ADEQUACYOperation
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5RISKSAND CAPITAL ADEQUACYComplianc
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5RISKSAND CAPITAL ADEQUACYInsurance
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5RISKSAND CAPITAL ADEQUACYInsurance
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5RISKSAND CAPITAL ADEQUACYAppendice
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5RISKSAND CAPITAL ADEQUACYAppendix
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6INFORMATIONON THE PARENT COMPANY F
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7ARESPONSIBLE BANK: INFORMATION ON
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8GENERALINFORMATIONDocuments on dis
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8GENERALINFORMATIONFounding documen
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8GENERALINFORMATIONStatutory Audito
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8GENERALINFORMATIONStatutory Audito
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9STATUTORYAUDITORSStatutory Auditor
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10PERSON RESPONSIBLE FOR THE REGIST
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11TABLE OF CONCORDANCEHeadings as l
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HEAD OFFICE16, boulevard des Italie
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2012 Registration document and annual financial report - BNP Paribas

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