NATIXIS -2020 Universal Registration Document

5 FINANCIAL DATA

Consolidated financial statements and notes

Assets and commitments restructured due to financial difficulties 7.6.2.1 The following table lists the financial assets (excludingassets held for trading) and financing commitmentssubject to amendmentsto original contract terms or refinancing constituting a concession grantedue to the debtor’s financial situation (see Note 5.1.3) .

31/12/2020

31/12/2019

Gross exposures

Gross exposures

Restructuring: modifications of terms and conditions

Value adjustments for credit losses

Value adjustments for credit losses

Restructuring: modifications of terms and conditions

Guarantees received

Restructuring: refinancing

Guarantees received

Restructuring: refinancing

Total

(in millions of euros)

Total

Balance sheet

1,585

247

1,832

504

799

1,309

82

1,392

423

723

Off-balance sheet

33

14

47

2

18

15

4

18

2

TOTAL

1,618

261

1,879

506

817

1,324

86

1,410

425

723

31/12/2020

31/12/2019

Total

Total Net exposures

Total

Total Net exposures

Value adjustments for credit losses

Value adjustments for credit losses

Gross exposures

Unimpaired loans

Impaired loans

Gross exposures

Unimpaired loans

Impaired loans

Total

(in millions of euros)

Total

TOTAL

1,879

506 169 163

301

1,072

1,373

1,410

425

182

802 117 195 224 266

985 148 250 259 329

France

698 379 342 460

88 80 41 92

441 136 215 280

529 216 256 372

238 395 346 432

90

30 55 35 62

Other EU

145

85 88

87

North America

Other

103

Other loans and receivables due from customers

7.6.2.2

31/12/2020

31/12/2019

Unimpaired financial assets (a)

Impaired financial assets (b)

Unimpaired financial assets (a)

Impaired financial assets (b)

Total

(in millions of euros)

Total

Commercial loans

416

62

478

823

22

845

2,209

114

2,323

3,130

308

3,438

Export credit

Cash and consumer credit

29,883

1,602

31,485

29,872

1,015

30,887

Equipment loans

7,008

307

7,315

7,307

145

7,452

Home loans

559

6

565

512

8

520

Other customer loans

18,807

1,457

20,264 (1,350) 61,080

19,104

1,545

20,649 (1,355)

Value adjustments for credit losses

(204)

(1,146)

(116)

(1,239)

TOTAL 62,437 Comprises unimpaired financial assets for which value adjustments are calculated based on 12-month expected credit losses (Stage 1) or lifetime expected (a) credit losses (Stage 2). Impaired financial assets (Stage 3) are assets for which a default event has been identified as defined in Article 178 of the EU Regulation of June 26, 2013 on (b) regulatory requirements for credit institutions. 58,678 2,402 60,633 1,804

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2020