CFM Indosuez Wealth Management Annual Report 2022 90 OFF-BALANCE SHEET COMMITMENTS SUBJECT TO PROVISIONING REQUIREMENTS Credit risk mitigation Assets held as collateral Other credit enhancement techniques AS OF 31/12/2022 ` (in thousands of euros) Maximum credit risk exposure Financial instruments received as collateral Mortgages Pledges Surety bonds and other financial guarantees Credit derivatives Guarantee commitments (excluding Crédit Agricole internal transactions) 184,845 0 0 0 0 0 of which: commitments provisioned at balance sheet date 0 0 0 0 0 0 Financing commitments (excluding Crédit Agricole internal transactions) 1,003,615 0 0 0 0 0 of which: commitments provisioned at balance sheet date 0 0 0 0 0 0 Total 1,188,460 0 0 0 0 0 of which: commitments provisioned at balance sheet date 0 0 0 0 0 0 Credit risk mitigation Assets held as collateral Other credit enhancement techniques AS OF 31/12/2021 ` (in thousands of euros) Maximum credit risk exposure Financial instruments received as collateral Mortgages Pledges Surety bonds and other financial guarantees Credit derivatives Guarantee commitments (excluding Crédit Agricole internal transactions) 189,379 0 0 0 0 0 of which: commitments provisioned at balance sheet date 2,231 0 0 0 0 0 Financing commitments (excluding Crédit Agricole internal transactions) 1,030,015 0 0 0 0 0 of which: commitments provisioned at balance sheet date 0 0 0 0 0 0 Total 1,219,394 0 0 0 0 0 of which: commitments provisioned at balance sheet date 2,231 0 0 0 0 0 A description of the assets held as collateral is presented in Note 9 “Financing and guarantee commitments and other guarantees”. 3.1.3 Modified financial assets Modified financial assets are those assets that have been restructured due to financial difficulties. These are receivables for which CFM Indosuez Wealth Group has modified the initial financial conditions (interest rate, term) for economic or legal reasons related to the borrower’s financial difficulties, under terms that would not have been considered in other circumstances. They thus consist of loans classified as in default and performing loans at the date they are restructured. (A more detailed definition of restructured loans and their accounting treatment is provided in Note 1.2 “Accounting principles and policies”, under the chapter on “Financial instruments - Credit risk”). No assets were restructured during the period.
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