BPCE_REGISTRATION_DOCUMENT_2017

3 RISK REPORT Credit risk

BREAKDOWN OF NON-IMPAIRED LOANS SHOWING PAST DUE BALANCES ➡

Non-impaired loans showing past due balances

> 90 days and ≤ 180 days

Impaired outstandings (net value)

> 180 days and ≤ 1 year

Total outstandings

≤ 90 days

> 1 year

in millions of euros Debt instruments

-

-

-

-

66

66

Loans and advances Other financialassets TOTALAT 12/31/2017

8,905

323

65

36

11,751

21,080

-

-

-

-

-

-

8,905

323

65

36

11,817

21,146

Non-impaired outstandings showing past due balances

Impaired outstandings (net value)

> 90 days and ≤ 180 days

> 180 days and ≤ 1 year

Total outstandings

≤ 90 days

> 1 year

in millions of euros Debt instruments

-

-

-

-

73

73

Loans and advances Other financialassets TOTALAT 12/31/2016

8,663

382

58

21

12,335

21,459

-

-

2

2

-

4

8,663

382

60

23

12,408

21,536

RESTRUCTURED LOANS Information provided in repect of IFRS 7 ADJUSTMENTS DUE TO FINANCIAL HARDSHIPS ➡

12/31/2017

12/31/2016

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

6,625 2,542 9,167

93 73

6,718 2,615

7,101 2,759 9,860 (2,015)

222

7,323

36

2,795

TOTALRESTRUCTUREDLOANS

166

9,333

258

10,118

Impairment

(1,976)

2

(1,974)

(2,015)

Guaranteesreceived

5,341

23

5,364

5,642

3

5,645

BREAKDOWN OF GROSS LOAN OUTSTANDINGS ➡

12/31/2017

12/31/2016

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

5,848 3,319 9,167

113

5,961 3,372 9,333

6,852 3,008 9,860

225

7,077

Restructuring: refinancing

53

33

3,041

TOTALRESTRUCTUREDLOANS

166

258

10,118

COUNTERPARTIES BY GEOGRAPHIC AREA ➡

12/31/2017

12/31/2016

Off-balance sheet commitments

Off-balance sheet commitments

Off-balance sheet commitments

Loans and receivables

Loans and receivables

Total

in millions of euros

France

7,189 1,978 9,167

139

7,328 2,005 9,333

7,100 2,760 9,860

79

7,179

Other countries

27

179 258

2,939

TOTALRESTRUCTUREDLOANS

166

10,118

168

Registration document 2017