BPCE - 2018 Registration document

6 RISK REPORT Credit risk

6.5.4

Quantitative disclosures

EXPOSURE TO CREDIT AND COUNTERPARTY RISKS Portfolio breakdown by exposure class (excluding other assets) 12/31/2018 ➡ 12/31/2017 ➡

Securitization 1%

Securitization 1%

Central banks and other sovereign exposures 13% Central government 5% Public sector and similar entities 8%

Central banks and other sovereign exposures 14%

Equities 1%

Equities 1%

Central government 5% Public sector and similar entities 8%

Retail 39%

Retail 38%

€1,151bn 12/31/2018

€1,136bn 12/31/2017

Institutions 5% Corporates 28%

Institutions 5% Corporates 28%

Groupe BPCE’s total gross exposures amounted to more than € 1,151 billion at 12/31/2018, up € 15 billion.

Breakdown of gross exposures to corporate customers by economic sector 12/31/2018 ➡

16%

Real estate

15%

Energy Finance/Insurance

10%

7%

Distribution-Trade

6%

Real estate leasing International commodities trade Other Holding companies and diversified Food & Beverage Construction

4% 4% 4% 4% 4%

3% 3% 3% 3% 3% 3% 3%

Transportation

Electrical and mechanical construction

Basic industry

Pharma - Healthcare Services

Communication Technology Consumer goods Tourism - Hotels Catering Utilities Administration

2% 2% 2%

1%

The top three sectors are real estate, finance/Insurance and energy. Concentration of exposures in the three top sectors remains moderate.

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Registration document 2018