BPCE_PILLAR_III_2017

5 CREDIT RISK

Detailed quantitative disclosures

TABLE 32 – CREDIT QUALITY OF EXPOSURES BY INDUSTRY ➡

12/31/2017

Gross carrying values of

Non-defaulted exposures

Specific credit risk adjustment

Defaulted exposures

Net values

in millions of euros Food & Beverage

1,010 1,553 2,197 1,019

14,884 17,190 47,373 10,304 27,151

608 660 984 574 168 143 484 798 428 341 121 350 193

15,285 18,082 48,586 10,748 27,317

Construction Real estate

Tourism – Hotels– Catering

Pharma – Healthcare

334 352 779 670 880 215 648 491 289 192

Communication

7,771

7,980

Services

17,247 23,637

17,541 24,451

Distribution – Trade Consumer goods

1,612

9,477

9,719

Energy

28,930

29,469

Technology

8,039

8,133

Electricaland mechanical construction

12,660

12,957

Staple industries

8,233

8,530

Utilities

38,434 238,810 65,537 13,188 14,266 44,832 11,760 340,239 35,086

92 83

38,631 238,919 66,175 13,440 14,721 45,955 11,773 345,139 34,880

Administration

Finance/Insurance

1,601

963 368 211 838

Holding companiesand diversified

621 666

Transportation

Real estate leasing

1,960

Internationalcommodities trade

38

25

Individualcustomers

8,460

3,560

Other

773

979

TOTAL 1,048,431 Note: Livret A passbooksavings accountexposures,reservesand deferred tax assets fall into the“Administration”category.All individual retail exposures fall into the“Individual customers” category. 26,359 1,035,045 12,972

106

Risk Report Pillar III 2017