BPCE - 2019 RISK REPORT Pillar III

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CREDIT RISKS

DETAILED QUANTITATIVE DISCLOSURES

TABLE 39 – CREDIT QUALITY OF EXPOSURES BY INDUSTRY

12/31/2019

Gross carrying values of

Exposures in default

Non-defaulted exposures

Specific credit risk adjustment

Net value of exposures

in millions of euros

Food & Beverage

1,051 1,527 1,786

17,028 18,406 58,981 12,422 29,020 10,019 18,621 24,378

776 664 975 611 255 112 545 861 416 343 159 377 205

17,302 19,269 59,792 12,682 29,171 10,260 18,851 24,986

Construction Real estate

Tourism – Hotels – Catering

870 406 353 776 572 818 267 581 354 156 193

Pharma – Healthcare

Communication

Services

Distribution – Trade

1,469

Consumer goods

9,351

9,507

Energy

35,044

35,519

Technology

9,579

9,687

Electrical and mechanical construction

12,853

13,057

Staple industries

9,254

9,402

Utilities

41,549 235,658 51,031 16,003 14,734 50,370 13,325 383,508 39,398

70

41,636 235,733 51,202 16,139 15,046 50,775 13,314 387,885 39,406

Administration

118

Finance/Insurance

1,172

1,001

Holding companies and diversified

583 572

447 260

Transportation

Real estate leasing

1,645

1,240

International commodities trade

4

15

Individual customers

8,268 1,020

3,890 1,013

Other

TOTAL

24,443

1,110,532

14,354

1,120,621

Note: Livret A exposures, reserves and deferred tax assets are recorded under “Governments”. All retail customers are recorded under “Retail”.

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RISK REPORT PILLAR III 2019 | GROUPE BPCE

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