Société Générale / Risk report 2021 - Pillar 3 2020

6 CREDIT RISK ADDITIONAL QUANTITATIVE INFORMATION ON CREDIT RISK PILLAR 3 - 2021 | SOCIETE GENERALE GROUP | 114 TABLE 54: NET EXPOSURES BY EXPOSURE CLASS (CRB-B) (In EURm) 31.12.2020 31.12.2019 Net value of exposures at the end of the period Average net exposure over the period Net value of exposures at the end of the period Average net exposure over the period Central governments or central banks 238,177 223,215 171,036 167,133 Institutions 49,994 51,632 49,397 49,446 Corporates 332,360 331,857 318,720 320,478 of which: Specialised Lending 61,763 60,261 61,505 59,401 of which: SME 40,486 40,499 39,792 41,068 Retail 170,554 169,680 168,050 162,473 Secured by real estate property 111,400 111,222 110,607 106,596 of which: SME 5,946 6,079 6,287 6,280 of which: Non-SME 105,454 105,143 104,320 100,316 Qualifying Revolving 4,653 4,736 5,037 5,093 Other Retail 54,501 53,722 52,405 50,784 of which: SME 22,538 21,186 18,769 18,396 of which: Non-SME 31,963 32,536 33,636 32,387 Equity 6,274 5,934 5,520 4,913 TOTAL IRB APPROACH 797,359 782,318 712,722 704,443 Central governments or central banks 8,527 8,006 7,923 9,029 Regional governments or localauthorities 570 573 720 855 Public sector entities 290 364 421 534 Multilateral Development Banks 1,355 941 443 440 International Organisations - 0 - - Institutions 13,525 12,899 11,899 14,788 Corporates 47,130 49,356 56,500 58,083 of which: SME 9,231 10,366 11,638 12,962 Retail 47,144 47,301 46,427 46,761 of which: SME 13,586 14,336 14,550 14,727 Secured by mortgages on immovable property 15,273 14,649 15,069 15,073 of which: SME 1,309 1,558 1,321 1,074 Exposures in default 3,040 3,204 3,274 3,016 Items associated with particularly high risk 480 478 450 396 Covered bonds 206 102 - - Claims on institutions and corporates with a short-term credit assessment - - - - Collective investments undertakings (CIU) 5 29 69 110 Equity exposures 974 1,375 1,636 1,679 Other exposures 29,012 29,319 29,664 30,763 TOTAL SA APPROACH 167,532 168,597 174,496 181,527 TOTAL 964,892 950,915 887,218 885,970 In accordance with the EBA guidelines for revised Pillar 3 (EBA/GL/2016/11), amounts are presented without securitisation, contributions to the default funds of central counterparties, as well as other non-credit obligation assets under the advanced approach.