BPCE_PILLAR_III_2017

5 CREDIT RISK

Quantitative disclosures

Quantitative disclosures 5.4

Exposure to creditand counterparty risks

PORTFOLIO BREAKDOWN BY EXPOSURE CLASS (EXCLUDING OTHER ASSETS)

AT DECEMBER 31, 2017 ➡

AT DECEMBER 31, 2016 ➡

Securitization 1%

Securitization 2%

Central banks and other sovereign exposures 14% Central administration 4% Public sector and similar entities 9% Financial institutions 5%

Central banks and other sovereign exposures 14% Central administration 4% Public sector and similar entities 9% Corporates 28% Financial institutions 5%

Equities 1%

Equities 1%

Retail customers 37%

Retail customers 37%

€1,136 bn 12/31/2017

€1,094 bn 12/31/2016

Corporates 28%

Groupe BPCE’stotal gross exposures amounted to more than € 1,136 billion at 12/31/2017, up € 42 billion. BREAKDOWN OF GROSS EXPOSURES IN THE CORPORATE CUSTOMERS CATEGORY BY ECONOMIC SECTOR

12/31/2017 ➡

16 %

Finance/Insurance

15 %

Real estate

10 %

Energy

7 %

Distribution-Trade

6 %

Real estate leasing Holding companies & diversified

4 % 4 % 4 % 4 % 4 %

Transportation

Electrical & mechanical construction

Other

International commodities trade

4 %

Services

3 % 3 % 3 % 3 %

Construction

Shape industries

Pharma - Healthcare

Food & Beverage

2 % 2 % 2 % 2 % 2 %

Consumer goods

Communication

Technology

Tourism - Hotels Catering

Utilities

1%

Administration

The top threesectorsare finance/insurance,real estate and energy. The concentration of thethree top sectors remains moderate.

90

Risk Report Pillar III 2017