91 FINANCING COMMITMENTS Performing commitments Commitments subject to 12-month ECL (Stage 1) Commitments subject to lifetime ECL (Stage 2) Impaired commitments (Stage 3) Total (in thousands of euros) Amount of commitment Impairment for credit losses Amount of commitment Impairment for credit losses Amount of commitment Impairment for credit losses Amount of commitment (a) Impairment for credit losses (b) Net amount of commitment (a) + (b) On 1 January 2021 916,885 -453 4,162 -185 921,047 -638 920,409 Transfers of commitments during their lifetime from one stage to another 1,346 - -1,346 - 0 0 Transfers from Stage 1 to Stage 2 -410 133 410 -133 0 0 Transfers from Stage 2 to Stage 1 1,756 -133 -1,756 133 0 0 Transfers to Stage 3 (1) 0 Return from Stage 3 to Stage 2/Stage 1 0 Total after transfers 918,231 -453 2,816 -185 0 0 921,047 -638 920,409 Changes in commitment amounts and value adjustments for losses 111,352 268 -2,190 176 109,162 444 New commitments given (2) 978,724 -131 678 -142 979,402 -273 Expiration of commitments -875,413 389 -2,869 134 -878,282 523 Write-offs 0 Modifications de flux sur restructurations pour cause de difficultés financières 0 Changes in model credit risk parameters over the period 0 Changes in the model / methodology 0 Scope changes 0 Other 8,041 10 1 184 8,042 194 As at 31 December 2021 1,029,583 -185 626 -9 1,030,209 -194 1,030,015 1) Transfers to Stage 3 correspond to commitments initially classified in Stage 1, which were downgraded directly to Stage 3 or those downgraded to Stage 2 and then Stage 3 during the year. (2) New commitments given classified in Stage 2 may include commitments initially classified in Stage 1 which were reclassified to Stage 2 during the period.
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