CFM INDOSUEZ Wealth Management - 2020 Annual Report

82 GUARANTEE COMMITMENTS Performing commitments Commitments subject to 12-month ECL (Bucket 1) Commitments subject to lifetime ECL (Bucket 2) Impaired commitments (Bucket 3) Total (in thousands of euros) Amount of commit- ment Impairment for credit losses Amount of commit- ment Impairment for credit losses Amount of commit- ment Impairment for credit losses Amount of commit- ment (a) Impairment for credit losses (b) Net amount of commit- ment (a) + (b) At 31 December 2019 269,924 -299 298 -208 7 0 270,222 -507 269,715 Transfers of commitments during their lifetime from one bucket to another -640 640 0 Transfers from Bucket 1 to Bucket 2 -640 640 0 Transfers from Bucket 2 to Bucket 1 Transfers to Bucket 3 (1) Transfers from Bucket 3 to Bucket 2/Bucket 1 Total after transfers 269,284 -299 938 -208 7 270,229 -507 269,722 Variations des montants de l'engagement et des corrections de valeur pour pertes -130,149 36 504 86 2,080 -127,565 122 New commitments given (2) 22,817 -340 802 -162 23,619 -502 Expiration of commitments -152,418 670 -298 179 -809 -153,525 849 Write-offs Changes in cash flows on loans restructured due to financial difficulties Changes in credit risk inputs of models over the period Changes in the model / methodology Scope changes Other -548 -294 69 2,889 2,341 -225 At 31 December 2020 139,135 -263 1,442 -122 2,087 142,664 -385 142,279 (1) Transfers to Bucket 3 correspond to commitments initially classified in Bucket 1, which were downgraded directly to Bucket 3 or to Bucket 2 and then Bucket 3 during the year. (2) New commitments given classified in Bucket 2 may include commitments initially classified in Bucket 1 which were reclassified to Bucket 2 during the period.