NATIXIS - Universal registration document and financial report 2019

FINANCIAL DATA Consolidated financial statements and notes

Assets and commitments restructured due to financial difficulties 8.6.2.1 The following table lists the financial assets (excluding assets held for trading) and financing commitments subject to amendments to original contract terms or refinancing constituting a concession granted due to the debtor’s financial situation (see Note 6.1.3) .

31/12/2019

31/12/2018

Gross exposures

Gross exposures

Restruc- turing: modifications of terms and conditions

Restruc- turing:

Value adjustments for credit losses

Value adjustments for credit losses

Restruc- turing: refinancing

modifications of terms and conditions

Restruc- turing: refinancing

Guarantees received

Guarantees received

Total

(in millions of euros)

Total

Balance sheet

1,309

82

1,392

423

723

1,241

120

1,361

357

706

Off-balance sheet

15

4

18

2

13

4

16

3

TOTAL

1,324

86

1,410

425

723

1,254

123

1,377

360

706

31/12/2019

31/12/2018

Total

Net exposures

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

1,410

425

182

802

985

1,377

360

166

851

1,017

France

238 395 346 432

90

30 55 35 62

117 195 224 266

148 250 259 329

194 589 120 474

77

4

113 279 100 359

117 398 105 397

Other EU

145

192

118

North America

87

15 77

6

Other

103

38

8.6.2.2

Other loans and receivables due from customers

31/12/2019

31/12/2018

5

Unimpaired financial assets (a)

Impaired financial assets (b)

Unimpaired financial assets (a)

Impaired financial assets (b)

Total

(in millions of euros)

Total

Commercial loans

823

22

845

957

53

1,009 3,461

Export credit

3,130

308

3,438

3,220

241 751 192

Cash and consumer credit

29,872

1,015

30,887

26,169

26,920

Equipment loans

7,307

145

7,452

7,112

7,304

Home loans

512

8

520

467

12

480

Other customer loans

19,104

1,545

20,649 (1,355) 62,437

20,941

1,103

22,043 (1,220)

Value adjustments for credit losses

(116)

(1,239)

(121)

(1,099)

TOTAL 59,997 Corresponds to unimpaired financial assets for which value adjustments are calculated based on 12-month expected credit losses (Stage 1) or lifetime (a) expected 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 (b) on regulatory requirements for credit institutions. 60,633 1,804 58,745 1,252

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2019