BPCE_PILLAR_III_2017

5 CREDIT RISK

Detailed quantitative disclosures

TABLE 29 – CONCENTRATION OF EXPOSURES BY INDUSTRY OR COUNTERPARTY TYPE ➡

12/31/2017

Cons- truc- tion

Tourism– Hotels– Catering

Food & Beverage

Real estate

Pharma– Healthcare

Communi-

Distribution – Trade

Consumer

cation Services

goods Energy

in millions of euros

Central governmentsor centralbanks Institutions

1

 0 229

 289

Corporates

5,936 8,763 14,460 3,507 4,638 5,623 4,207 13,325 4,150 23,474 4,935 5,155 2,133 4,399 9,964 388 7,735 2,446 3,181 290

Retail customers Equity exposures

0 6 227

 3

 20

 40

 17

 10

 7 13

Total IRB approach

10,871 13,925 16,820 7,910 14,623 6,051 11,959 16,010 7,338 24,065

Central governmentsor centralbanks

 1

Regionalgovernmentor local authorities

5 127

 2 183

 3

 39 1,229  10 777

 40

Public sectorentities

87 1,162 404 443 8,231

 0

 226

Multilateraldevelopment banks International organizations Institutions

0

 4

 47

 0

Corporates

4,016 2,590 21,594 1,636 3,939 1,729 3,183 7,445 2,303 4,675

Retail customers

29 44 344

 28

 47

 41 120

 94

 35 37

Secured bymortgageson immovable property

164 130 8,709 436 114 105 715 112

 397

 31 186 616

 14 336  30 91

Exposures in default

 77

 79

 84 238

Items associatedwith particularly high risk Covered bonds Claimson institutionsand corporates with a short-term credit assessment Collectiveinvestment undertakings Equity exposures Other exposures Total standardized approach

4,414 4,157 31,767 2,838 12,695 1,929 5,583 8,441 2,382 5,404 15,285 18,082 48,586 10,748 27,317 7,980 17,541 24,451 9,719 29,469

TOTAL

98

Risk Report Pillar III 2017