96 FINANCIAL ASSETS AT AMORTISED COST AT 31/12/2021 Credit risk categories Book value Performing assets (in thousands of euros) Assets subject to 12-month ECL (Stage1) Assets subject to lifetime ECL (Stage 2) Impaired assets (Stage 3) Total Retail customers PD ≤ 0.5% 3,401,405 491 3,401,896 0.5% < PD ≤ 2% 139,846 446 140,292 2% < PD ≤ 20% 6143 1,907 8,050 20% < PD < 100% 11 11 PD = 100% 7,162 7,162 Total Retail customers 3,547,394 2,855 7,162 3,557,411 Non-retail customers PD ≤ 0.6% 1,536,930 1228 1,538,158 0.6% < PD < 12% 100,069 1172 101,241 12% ≤ PD < 100% 0 PD = 100% 1,038 1,038 Total non-retail customers 1,636,999 2,400 1,038 1,640,437 Impairments -904 -73 -6,469 -7,446 Total 5,183,489 5,182 1,731 5,190,402 FINANCIAL ASSETS AT AMORTISED COST AT 31/12/2020 Credit risk categories Book value Performing assets (in thousands of euros) Assets subject to 12-month ECL (Stage1) Assets subject to lifetime ECL (Stage 2) Impaired assets (Stage 3) Total Retail customers PD ≤ 0.5% 2,994,791 801 2,995,592 0.5% < PD ≤ 2% 160,992 450 161,442 2% < PD ≤ 20% 171 32,696 32,867 20% < PD < 100% 3,459 0 3,459 PD = 100% 0 9,154 9,154 Total Retail customers 3,159,413 33,947 9,154 3,202,514 Non-retail customers PD ≤ 0.6% 1,859,441 1,859,441 0.6% < PD < 12% 104,230 500 104,730 12% ≤ PD < 100% 654 654 PD = 100% 1,558 1,558 Total non-retail customers 1,963,671 1,154 1,558 1,966,383 Impairments -1,237 -602 -8,674 -10,513 Total 5,121,847 34,499 2,038 5,158,384
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