BPCE - 2018 Risk report / Pillar III

CREDIT RISK Detailed quantitative disclosures

12/31/2017

Gross carrying values of

Exposures in default

Non-defaulted exposures

Specific credit risk adjustment

Net value of exposures

in millions of euros Food & Beverage

1,010 1,553 2,197 1,019

14,884 17,190 47,373 10,304 27,151

608 660 984 574 168 143 484 798 428 341 121 350 193

15,285 18,082 48,586 10,748 27,317

Construction Real estate

Tourism – Hotels– Catering

Pharma– Healthcare

334 352 779 670 880 215 648 491 289 192

Communication

7,771

7,980

Services

17,247 23,637

17,541 24,451

5

Distribution– Trade Consumergoods

1,612

9,477

9,719

Energy

28,930

29,469

Technology

8,039

8,133

Electricaland mechanical construction

12,660

12,957

Staple industries

8,233

8,530

Utilities

38,434

92 83

38,631

Administration

238,810

238,919

Finance/Insurance

1,601

65,537 13,188 14,266 44,832 11,760

963 368 211 838

66,175 13,440 14,721 45,955 11,773

Holding companiesand diversified

621 666

Transportation

Real estate leasing

1,960

Internationalcommodities trade

38

25

Individualcustomers

8,460

340,239

3,560

345,139

Other

773

35,086

979

34,880

TOTAL

26,359

1,035,045

12,972

1,048,431

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

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Risk Report Pillar III 2018