La banque d'un monde qui change 2004 - BNP Paribas

NOTE 8 (CONT’D)PROVISIONS FOR CREDIT RISKS AND COUNTRY RISKSIn millions of euros 2004 2003 2002Additions to provisions for credit risks and country risks:• Customer and interbank items 1,855 2,278 2,533• Off-balance sheet commitments 68 51 93• Securities 78 214 87• Other credit risks 331 367 112Total additions to provisions for credit risks and country risks 2,332 2,910 2,825Recoveries of provisions for credit risks and country risks:• Customer and interbank items (1,154) (1,137) (1,024)• Off-balance sheet commitments (60) (38) (38)• Securities (73) (226) (132)• Other credit risks (352) (130) (99)Total recoveries of provisions for credit risks and country risks (1,639) (1,531) (1,293)Net additions to provisions for credit risks and country risks 693 1,379 1,532Write-offs not covered by provisions 136 187 146Recoveries of amounts written off (97) (104) (101)Elimination of net addition to provisionsfor interest in arrears recorded under net banking income (54) (101) (107)Net charge for the period for credit risks and country risks 678 1,361 1,470Including:• Net charge to provisions for specific credit risks 902 1,727 1,555• Net recovery of provisions for country risks (224) (366) (85)230BNP PARIBAS - ANNUAL REPORT 2004