BPCE - 2018 Registration document
5 FINANCIAL REPORT
IFRS Consolidated Financial Statements of Groupe BPCE as at December 31, 2018
7.1.1.2 Financial assets at amortized cost by impairment Stage
12/31/2018
01/01/2018
Gross carrying amount 31,939 31,181
Impairment for credit losses
Impairment for credit losses
Carrying amount 31,776 31,174
Gross carrying amount
Carrying amount 33,495 32,815
in millions of euros Debt securities
(163)
33,653 32,821
(158)
Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3
(7)
(6)
510 248
(13)
497 105
504 328
(14)
490 190
(143)
(138)
Loans and receivables due from credit institutions
91,202 90,215
(60)
91,142 90,212
90,301 88,922
(79)
90,222 88,914
(3) (4)
(8) (7)
933
929
1,315
1,308
54
(53)
1
64
(64)
Loans and receivables due from customers
671,898 581,192 69,273 21,433 702,588 70,716 21,735
(12,617)
659,281 580,215 67,349 11,717 782,199 701,601 68,775 11,823
639,785 533,267 83,362 23,156 763,739 655,010 85,181 23,548
(13,348) (1,089) (1,838) (10,421) (13,585) (1,103) (1,859) (10,623)
626,437 532,178 81,524 12,735 750,154 653,907 83,322 12,925
(977)
(1,924) (9,716)
TOTAL FINANCIAL ASSETS AT AMORTIZED COST 795,039
(12,840)
(987)
(1,941) (9,912)
At December 31, 2018, debt securities included € 121 million in purchased or originated credit-impaired (POCI) financial assets (net amount after impairment of - € 47 million), versus € 154 million at January 1, 2018.
Loans and receivables due from customers include € 279 million in POCI assets (net amount after impairment of - € 97 million), versus € 381 million at January 1, 2018.
7.1.1.3 Financing and guarantee commitments by impairment Stage
12/31/2018
01/01/2018
Impairment for credit losses
Impairment for credit
Gross exposure 119,708 109,096
Net exposure 119,331 108,977
Gross exposure 113,281 93,172 19,689
losses Net exposure
in millions of euros
Loan commitments given
377 119 113 145 277 178 654 156 175 323 37 62
397 133 128 136 310 180 707 174 217 316 41 89
112,884 93,039 19,561
Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3
10,270
10,157
342
197
420
284
Guarantee commitments given
41,353 33,425
41,076 33,388
44,315 28,871 14,533
44,005 28,830 14,444
7,009
6,947
919
741
911
731
TOTAL COMMITMENTS GIVEN
161,061 142,521 17,279
160,407 142,365 17,104
157,596 122,043 34,222
156,889 121,869 34,005
1,261
938
1,331
1,015
At December 31, 2018, loan commitments included € 83 million in commitments included € 4 million in commitments impaired on commitments impaired on origination (net amount after provisions of origination (net amount after provisions of € 1 million), versus € 4 million), versus € 104 million at January 1, 2018. Guarantee € 14 million at January 1, 2018.
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Registration document 2018
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