CFM INDOSUEZ Wealth Management - 2019 annual report

78 CFM Indosuez Wealth Management G u a r a n t e e 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 for credit losses Amount of commit- ment Impairment for credit losses Amount of commit- ment (a) Impairment for credit losses (b) Net amount of the commit- ment (a) + (b) At 31 December 2018 177,024 -309 -506 177,024 -815 176,209 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 177,024 -309 -506 177,024 -815 176,209 Changes in commitment amounts and value adjustments for losses 92,900 10 298 298 7 93,198 308 Newcommitmentsgiven (2) 159,990 -245 106 -106 160,096 -351 Expiration of commitments -67,147 254 -404 404 -67,551 658 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 57 1 596 7 653 1 At 31 December 2019 269,924 -299 298 -208 7 0 270,222 -507 269,715 (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.