BPCE - 2019 RISK REPORT Pillar III

5

CREDIT RISKS

QUANTITATIVE DISCLOSURES

Restructured loans

TABLE 27 – ADJUSTMENTS DUE TO FINANCIAL HARDSHIPS

12/31/2019

12/31/2018

Off-balance sheet commitments

Off-balance sheet commitments

Loans and receivables

Loans and receivables

Total

Total

in millions of euros

Impaired restructured loans Performing restructured loans TOTAL RESTRUCTURED LOANS

6,161 2,320 8,481

15

6,176 2,324 8,500

6,575 2,354 8,929

16

6,591 2,354 8,945

4

19

16

Impairment

(1,849)

2 9

(1,847)

(1,884)

4

(1,880)

Collateral received

5,749

5,758

5,872

18

5,890

TABLE 28 – BREAKDOWN OF GROSS LOAN OUTSTANDINGS

12/31/2019

12/31/2018

Off-balance sheet commitments

Off-balance sheet commitments

Loans and receivables

Loans and receivables

Total

Total

in millions of euros

Restructuring: amendments to terms and conditions

4,816 3,666 8,481

15

4,831 3,670 8,500

5,189 3,741 8,929

12

5,201 3,745 8,945

Restructuring: refinancing

4

4

TOTAL RESTRUCTURED LOANS

19

16

TABLE 29 – COUNTERPARTIES BY GEOGRAPHIC AREA

12/31/2019

12/31/2018

Off-balance sheet commitments

Off-balance sheet commitments

Loans and receivables

Loans and receivables

Total

Total

in millions of euros

France

7,108 1,373 8,481

11

7,119 1,381 8,500

7,494 1,435 8,929

8 8

7,502 1,443 8,945

Other countries

8

TOTAL RESTRUCTURED LOANS

19

16

96

RISK REPORT PILLAR III 2019 | GROUPE BPCE

www.groupebpce.com