CFM INDOSUEZ Wealth Management - 2019 annual report

77 Annual Financial Statements 2019 F i n a n c i n g c o mm i t m e n t s Performing commitments Impaired commitments (Bucket 3) Commitments subject to 12-month ECL (Bucket 1) Commitments subject to lifetime ECL (Bucket 2) Total (in thousands of euros) Amount of commit- ment Impairment for credit losses Amount of commit- ment Impairment amount Amount of commit- ment Impairment for credit losses Amount of commitment (a) Impairment for credit losses (b) Net amount of commitment (a) + (b) At 31 December 2018 868,767 -217 -28 868,767 -245 868,522 Transfers of commitments during their lifetime from one bucket to another Transfers from Bucket 1 to Bucket 2 Transfers from Bucket 2 to Bucket 1 Transfers to Bucket 3 (1) Transfers from Bucket 3 to Bucket 2/Bucket 1 Total after transfers 868,767 -217 -28 868,767 -245 868,522 Changes in commitment amounts and value adjustments for losses 225,611 -100 314 -314 225,925 -414 New commitments given (2) 712,780 -230 322 -322 713,102 -552 Expiration of commitments -489,069 130 -8 8 -489,077 138 Write-offs Changes in cash flows on loans restructured due to financial difficulties Changes in credit risk parameters of models over the period Changes in the model / methodology Scope changes Other 1,900 1,900 At 31 December 2019 1,094,378 -317 314 342 1,094,692 -659 1,094,033 (1) Transfers to Bucket 3 correspond to commitments initially classified in Bucket 1, which were downgraded directly to Bucket 3 or to Bucket 2 and then Bucket 3 during the year. (2) New commitments given classified in Bucket 2 may include commitments initially classified in Bucket 1 which were reclassified to Bucket 2 during the period.