99 GUARANTEE COMMITMENTS AT 31/12/2021 Credit risk categories Amount of commitment Performing commitments (in thousands of euros) Commitments subject to 12-month ECL (Stage 1) Commitments subject to lifetime ECL (Stage 2) Impaired commitments (Stage 3) Total Retail customers PD ≤ 0.5% 19,032 3 19,035 0.5% < PD ≤ 2% 10,365 470 10,835 2% < PD ≤ 20% 216 740 956 20% < PD < 100% PD = 100% 0 Total Retail customers 29,613 1,213 0 30,826 Non-retail customers PD ≤ 0.6% " 85,251 85,251 0.6% < PD < 12% 71,072 200 71,272 12% ≤ PD < 100% 0 PD = 100% 2,231 2,231 Total non-retail customers 156,323 200 2,231 158,754 Provisions -134 -67 -201 Total 185,802 1,346 2,231 189,379 (1) Expected or proven losses in respect of off-balance sheet commitments are covered by provisions recognised as liabilities on the balance sheet. GUARANTEE COMMITMENTS AT 31/12/2020 Credit risk categories Amount of commitment Performing commitments (in thousands of euros) Commitments subject to 12-month ECL (Stage 1) Commitments subject to lifetime ECL (Stage 2) Impaired commitments (Stage 3) Total Retail customers PD ≤ 0.5% 30,836 30,836 0.5% < PD ≤ 2% 19,797 19,797 2% < PD ≤ 20% 116 1,342 1,458 20% < PD < 100% 94 94 PD = 100% 0 Total Retail customers 50,843 1,342 0 52,185 Non-retail customers PD ≤ 0.6% " 39,766 39,766 0.6% < PD < 12% 48,526 48,526 12% ≤ PD < 100% 100 100 PD = 100% 2,087 2,087 Total non-retail customers 88,292 100 2,087 90,479 Provisions(1) -263 -122 -385 Total 138,872 1,320 2,087 142,279
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