CFM INDOSUEZ Wealth Management - 2019 annual report

85 Annual Financial Statements 2019 G u a r a n t e e c o mm i t m e n t s a t 3 1 / 1 2 / 2 0 1 9 Credit risk categories Amount of commitment Performing commitments (in thousands of euros) Commitments subject to 12-month ECL (Bucket 1) Commitments subject to lifetime ECL (Bucket 2) Impaired commitments (Bucket 3 Total Retail clients PD ≤ 0.5% 88,892 298 89,190 0.5% < PD ≤ 2% 17,409 17,409 2% < PD ≤ 20% 1,031 1,031 20% < PD < 100% 15,562 15,562 PD = 100% 7 7 Total retail clients 122,894 298 7 123,199 Non-retail clients PD ≤ 0.6% 103,518 103,518 0.6% < PD < 12% 43,512 43,512 12% ≤ PD < 100% PD = 100% Total non-retail clients 147,030 147,030 Provisions -299 -208 -507 Total 269,625 90 7 269,722 G u a r a n t e e c o mm i t m e n t s a t 3 1 / 1 2 / 2 0 1 8 Credit risk categories Amount of commitment Performing commitments (in thousands of euros) Commitments subject to 12-month ECL (Bucket 1) Commitments subject to lifetime ECL (Bucket 2) Impaired commitments (Bucket 3 Total Retail clients PD ≤ 0.5% 60,871 60,871 0.5% < PD ≤ 2% 2% < PD ≤ 20% 20% < PD < 100% PD = 100% Total retail clients 60,871 60,871 Non-retail clients PD ≤ 0.6% 116,153 116,153 0.6% < PD < 12% 12% ≤ PD < 100% PD = 100% Total non-retail clients 116,153 116,153 Provisions (1) -309 -506 -815 Total 176,715 -506 0 176,209 1) Expected and/or confirmed losses related to off-balance sheet commitments are taken into account as provisions on the liabilities side of the balance sheet.