4.10 COST OF RISK (in thousands of euros) 31/12/2024 31/12/2023 Allocations net of reversals of impairment losses on assets and provisions for performing off-balance sheet commitments (Stage 1 and Stage 2) (A) -253 -370 Stage 1: Losses measured as the amount of 12-month expected credit losses -193 -120 Debt instruments recognised at fair value through other comprehensive income (items that may be reclassified) Debt instruments recognised at amortised cost 10 -211 Commitments by signature -203 91 Stage 2: Losses measured as the amount of lifetime expected credit losses -60 -250 Debt instruments recognised at fair value through other comprehensive income (items that may be reclassified) Debt instruments recognised at amortised cost 19 -185 Commitments by signature -79 -65 Charges net of reversals of impairment losses on assets and provisions for impaired off-balance sheet commitments (Stage 3) (B) -38 35 Debt instruments recognised at fair value through other comprehensive income (items that may be reclassified) Debt instruments recognised at amortised cost -38 35 Commitments by signature Other assets (C) Risks and charges (D) -2,374 -334 Net reversals of impairment losses and provisions (E) = (A) + (B) + (C) + (D) -2,665 -669 Realised gains or losses on sales of impaired debt instruments recognised in equity recyclable to income Realised gains or losses on impaired debt instruments recognised at amortised cost Losses on non-impaired irrecoverable loans and receivables Recoveries on loans and receivables recognised at amortised cost recognised in equity recyclable to income Discounts on restructured loans Losses on off-balance sheet commitments Other losses -355 -157 Other income Cost of risk -3,020 -826 4.11 NET GAINS OR LOSSES ON OTHER ASSETS (in thousands of euros) 31/12/2024 31/12/2023 Operating property, plant and equipment and intangible assets 43 -23 Gains on sales 43 75 Losses on sales -98 Consolidated equity securities 0 0 Gains on sales Losses on sales Net income (expenses) from business combinations Net profits or losses on other assets 43 -23 CFM Indosuez Wealth Management 116
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