GUARANTEE COMMITMENTS (EXCLUDING CRÉDIT AGRICOLE INTERNAL TRANSACTIONS) Performing assets Impaired assets Assets subject to an ECL at 12 months (Stage 1) Assets subject to lifetime ECL (Stage 2) (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 Impairment for credit losses Amount of commitment (a) (b) (a) + (b) As at 31/12/2022 155,225 -116 3,005 -104 158,230 -220 158,010 Transfers of commitments during their lifetime from one stage to another 300 -300 Transfers from Stage 1 to Stage 2 -300 1 300 -1 Transfers from Stage 2 to Stage 1 600 -1 -600 1 Transfers to Stage 3 (1) Return from Stage 3 to Stage 2/Stage 1 Total after transfers 155,525 -116 2,705 -104 158,230 -220 158,010 Changes in commitment amounts and value adjustments for losses 54,790 -240 -552 -112 54,238 -352 New commitments given (2) 79,491 -393 1,345 -188 80,836 -581 Expiration of commitments -25,122 153 -1,897 76 -27,019 229 Write-offs Changes in cash flows on loans restructured due to financial difficulties Changes in credit risk inputs of models over the period Changes in the model / methodology Scope changes Other 421 421 As at 31/12/2024 210,315 -356 2,153 -216 212,468 -572 211,896 (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. Annual Report 2024 91
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