GUARANTEE COMMITMENTS (EXCLUDING CRÉDIT AGRICOLE INTERNAL TRANSACTIONS) ` AS AT 31/12/2024 (in thousands of euros) Credit risk categories Amount of commitment Performing commitments Provisioned commitments (Stage 3) Total Commitments subject to a 12-month ECL (Stage 1) Provisions for commitments subject to a 12-month ECL (Stage 1) (1) Commitments subject to lifetime ECL (Stage 2) Provisions for liabilities subject to lifetime ECL (Stage 2) (1) Commitments provisioned (Stage 3) Provisions for commitments (Stage 3) (1) Retail customers PD ≤ 0.5% 29,517 29,517 0.5% < PD ≤ 2% 11,252 11,252 2% < PD ≤ 20% 472 1,503 -22 1,953 20% < PD < 100% PD = 100% Total Retail customers 41,241 1,503 -22 42,722 Non-retail customers PD ≤ 0.6% 131,438 -312 131,126 0.6% < PD < 12% 37,636 -44 650 -194 38,048 12% ≤ PD < 100% PD = 100% Total non-retail customers 169,074 -356 650 -194 169,174 Total 210,315 -356 2,153 -216 211,896 (1) Expected or proven losses in respect of off-balance sheet commitments are covered by provisions recognised as liabilities on the balance sheet, ` AS AT 31/12/2023 (in thousands of euros) Credit risk categories Amount of commitment Performing commitments Provisioned commitments (Stage 3) Total Commitments subject to 12-month ECL (Stage 1) Commitments subject to lifetime ECL (Stage 2) Commitments provisioned (Stage 3) Retail customers PD ≤ 0.5% 23,770 23,770 0.5% < PD ≤ 2% 14,813 14,813 2% < PD ≤ 20% 680 3,005 3,685 20% < PD < 100% PD = 100% Total Retail customers 39,263 3,005 42,268 Non-retail customers PD ≤ 0.6% 72,432 72,432 0.6% < PD < 12% 43,530 43,530 12% ≤ PD < 100% PD = 100% Total non-retail customers 115,962 115,962 Provisions (1) -116 -104 -220 Total 155,109 2,901 158,010 (1) Expected or proven losses in respect of off-balance sheet commitments are covered by provisions recognised as liabilities on the balance sheet. Annual Report 2024 97
RkJQdWJsaXNoZXIy NzMxNTcx