98 FINANCING COMMITMENTS AT 31/12/2021 Credit risk categories Amount of commitment Performing commitments (in thousands of euros) Commitments subject to 12-month ECL (Stage 1) Commitments subject to lifetime ECL (Stage 2) Impaired commitments (Stage 3) Total Retail customers PD ≤ 0.5% 910,781 75 910,856 0.5% < PD ≤ 2% 69,717 381 70,098 2% < PD ≤ 20% 1 170 171 20% < PD < 100% 0 PD = 100% 0 Total Retail customers 980,499 626 981,125 Non-retail customers PD ≤ 0.6% " 33,754 33,754 0.6% < PD < 12% 15,330 15,330 12% ≤ PD < 100% 0 PD = 100% 0 Total non-retail customers 49,084 0 49,084 Provisions -185 -9 -194 Total 1,029,398 617 1,030,015 (1) Expected or proven losses in respect of off-balance sheet commitments are covered by provisions recognised as liabilities on the balance sheet. FINANCING COMMITMENTS AT 31/12/2020 Credit risk categories Amount of commitment Performing commitments (in thousands of euros) Commitments subject to 12-month ECL (Stage 1) Commitments subject to lifetime ECL (Stage 2) Impaired commitments (Stage 3) Total Retail customers PD ≤ 0.5% 825,481 825,481 0.5% < PD ≤ 2% 33,695 750 34,445 2% < PD ≤ 20% 120 1,376 1,496 20% < PD < 100% 1,184 1,184 PD = 100% 0 Total Retail customers 860,480 2,126 0 862,606 Non-retail customers PD ≤ 0.6% " 11,087 11,087 0.6% < PD < 12% 45,318 1,976 47,394 12% ≤ PD < 100% 60 60 PD = 100% 0 Total non-retail customers 56,405 2,036 0 58,441 Provisions -453 -185 -638 Total 916,432 3,977 0 920,409
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