BPCE - 2018 Risk report / Pillar III

5 CREDIT RISK

Detailed quantitative disclosures

TABLE 35 – CREDIT QUALITY OF EXPOSURES BY INDUSTRY ➡

12/31/2018

Gross carrying values of

Exposures in default

Non-defaulted exposures

Specific credit risk adjustment

Net value of exposures

in millions of euros Food & Beverage

1,058 1,512 1,752

16,075 16,882 52,351 10,726 27,890

713 685 973 623 259 135 539 775 421 419 119 347 178 114 929 429 241 78

16,420 17,709 53,130 11,030 27,927

Construction Real estate

Tourism – Hotels– Catering

927 297 410 734 591 708 179 545 339 153 237

Pharma– Healthcare

Communication

8,499

8,774

Services

19,162 23,462

19,357 23,935

Distribution– Trade Consumergoods

1,248

9,407

9,577

Energy

30,698

30,987

Technology

8,819

8,879

Electricaland mechanical construction

11,979

12,177

9,660

9,821

Staple industries

Utilities

35,809

35,884

Administration

232,863

232,986

Finance/Insurance

1,237

58,472 15,002 14,610 48,464 12,964

58,781 15,152 14,877 49,010 12,952

Holding companiesand diversified

579 508

Transportation

Real estate leasing

1,789

1,244

Internationalcommodities trade

4

15

Individualcustomers

8,490 1,401

357,629

3,769 1,428

362,350

Other

36,165

36,138

TOTAL

24,699

1,057,588

14,433

1,067,854

Note: Livret A exposures, reserves and deferred tax assetsare recordedunder “Governments”. All retailcustomers arerecordedunder “Retail”.

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Risk Report Pillar III 2018