BPCE - 2020 Universal Registration Document

6

RISK FACTORS & RISK MANAGEMENT

CREDIT RISKS

RESTRUCTURED LOANS ADJUSTMENTS DUE TO FINANCIAL HARDSHIPS

12/31/2020

12/31/2019

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

6,306 5,186

17 31 48

6,323 5,217

6,161 2,320 8,481

15

6,176 2,324 8,500

4

11,492 (2,189)

11,540 (2,187)

19

Impairment

2

(1,849)

2 9

(1,847)

Collateral received

7,352

19

7,371

5,749

5,758

BREAKDOWN OF GROSS LOAN OUTSTANDINGS

12/31/2020

12/31/2019

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

7,945 3,547

34 14 48

7,979 3,561

4,816 3,666 8,481

15

4,831 3,671 8,500

Restructuring: refinancing

4

TOTAL RESTRUCTURED LOANS

11,492

11,540

19

COUNTERPARTIES BY GEOGRAPHIC AREA

12/31/2020

12/31/2019

Off-balance sheet commitments

Off-balance sheet commitments

Loans and receivables

Loans and receivables

Total

Total

in millions of euros

France

10,010

28 20 48

10,038

7,108 1,373 8,481

11

7,119 1,381 8,500

Other countries

1,482

1,502

8

TOTAL RESTRUCTURED LOANS

11,492

11,540

19

654

UNIVERSAL REGISTRATION DOCUMENT 2020 | GROUPE BPCE

www.groupebpce.com