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
Made with FlippingBook - professional solution for displaying marketing and sales documents online