BPCE - 2018 Registration document
RISK REPORT Credit risk
Geographic breakdown of gross exposures 12/31/2018 ➡
Institutions
Central governments/Central banks and other sovereign exposures
Corporates
4%
Africa and the Middle East 2%
Africa and the Middle East 1%
Africa and the Middle East
Asia/Oceania 1%
4%
Asia/Oceania 7%
Asia/Oceania
North & South America 7%
North & South America 8%
10%
North & South America
France 47%
Europe (excl. France) 16%
France 67%
15%
France 68%
Europe (excl. France) 43%
Europe (excl. France)
12/31/2017 ➡
Institutions
Central governments/Central banks and other sovereign exposures
Corporates
Africa and the Middle East 1%
Asia/Oceania 1%
Africa and the Middle East 1%
Africa and the Middle East 4%
Asia/Oceania 6%
Asia/Oceania 4%
North & South America 7%
North & South America 9%
North & South America 9%
Europe (excl. France) 15%
France 68%
Europe (excl. France) 15%
Europe (excl. France) 46%
France 69%
France 45%
Gross exposures are very predominantly located in Europe, especially in France, for all asset classes (66% of corporates).
Concentration CONCENTRATION BY BORROWER ➡
6
12/31/2018
12/31/2017
Breakdown Gross amount/Total large risk exposures (1)
Breakdown Gross amount/Total large risk exposures (1)
Percentage of capital Gross amount/ Capital (2)
Percentage of capital Gross amount/ Capital (2)
Concentration by borrower
No. 1 borrower Top 10 borrowers Top 50 borrowers Top 100 borrowers
3.4%
7.1%
4.2%
8.6%
21.3% 54.8% 74.9%
44.2% 113.6% 155.5%
21.5% 55.7% 76.3%
43.9% 113.8% 155.9%
Total large risks excluding Groupe BPCE sovereign exposures (€159.6 bn at 12/31/2018). (1) Groupe BPCE regulatory capital (Corep CA4 row 11 at 12/31/2018): €76.8 bn. (2) The percentage of the Top 100 borrowers held relatively steady in 2018 and did not show any particular concentration.
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Registration document 2018
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