BPCE - 2019 RISK REPORT Pillar III

CREDIT RISKS

DETAILED QUANTITATIVE DISCLOSURES

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

1,248

5

Consumer goods

9,407

9,577

Energy

30,698

30,987

Technology

8,819

8,879

Electrical and mechanical construction

11,979

12,177

Staple industries

9,660

9,821

Utilities

35,809 232,863 58,472 15,002 14,610 48,464 12,964 357,629 36,165

35,884 232,986 58,781 15,152 14,877 49,010 12,952 362,350 36,138

Administration

Finance/Insurance

1,237

Holding companies and diversified

579 508

Transportation

Real estate leasing

1,789

1,244

International commodities trade

4

15

Individual customers

8,490 1,401

3,769 1,428

Other

TOTAL

24,699

1,057,588

14,433

1,067,854

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