BPCE - 2019 Universal Registration Document

RISK REPORT

CREDIT RISKS

RESTRUCTURED LOANS 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

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

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

6

NON-PERFORMING AND FORBORNE EXPOSURES CREDIT QUALITY OF FORBORNE EXPOSURES

12/31/2019

Accumulated impairment, or accumulated negative fair value adjustments due to credit risk, and provisions

Collateral received and financial guarantees received on forborne exposures

Gross carrying amount/nominal amount of performing and non-performing exposures

On non-performing forborne exposures

Non-performing forborne exposures

in millions of euros

On performing forborne exposures

Performing forborne exposures

o/w defaulted

o/w impaired

Loans and advances

2,320

6,098

6,098

6,084

(117)

(1,678)

5,749

Central banks

4

4

4

(4) (5)

General governments

52

20

20

20

1

Banks Other financial corporations Non-financial corporations

79

79

79

(42)

27

873

2,367 3,628

2,367 3,628

2,353 3,628

(45) (71)

(870) (758)

1,527 4,195

Households

1,395

Debt securities

63 15

63 15

63 15

(54)

Loan commitments given

4

2

9

TOTAL

2,324

6,176

6,176

6,162

(117)

(1,730)

5,758

617

UNIVERSAL REGISTRATION DOCUMENT 2019 | GROUPE BPCE