GUARANTEE COMMITMENTS BY GEOGRAPHICAL AREA (EXCLUDING INTERNAL CRÉDIT AGRICOLE TRANSACTIONS) ` (in thousands of euros) AS AT 31/12/2023 AS AT 31/12/2022 Amount of commitment Amount of commitment Performing commitments Commitments provisioned Total Performing commitments Commitments provisioned Total Commitments subject to a 12-month ECL (Stage 1) Commitments subject to ECL at maturity (Stage 2) (Stage 3) Commitments subject to a 12-month ECL (Stage 1) Commitments subject to ECL at maturity (Stage 2) (Stage 3) France (including overseas territories) 3,087 0 3,087 5,393 5,393 Other European Union countries 2,168 0 2,168 2,114 2,114 Other countries in Europe 148,040 3,005 151,045 174,176 1,503 175,679 North America 206 0 206 0 Central and South America 1121 0 1,121 1,263 1,263 Africa and the Middle East 603 0 603 577 577 Asia and Oceania (excluding Japan) 0 0 0 5 5 Japan 0 0 0 0 Supra-national bodies 0 0 0 0 Provisions (1) -116 -104 -220 -148 -38 -186 Total 155109 2,901 0 158,010 183,380 1,465 0 184,845 (1) Expected or proven losses in respect of off-balance sheet commitments are covered by provisions recognised as liabilities on the balance sheet. 3.1.5 Information on non-performing or individually impaired financial assets NON-PERFORMING OR INDIVIDUALLY IMPAIRED FINANCIAL ASSETS BY CLIENT TYPE BOOK VALUE AT 31 DECEMBER 2023 Assets with no significant increase in credit risk since initial recognition (Stage 1) Assets with significant increase in credit risk since initial recognition but not impaired (Stage 2) Impaired assets (Stage 3) (in thousands of euros) ≤ 30 days > 30 days to ≤ 90 days > 90 days ≤ 30 days > 30 days to ≤ 90 days > 90 days ≤ 30 days > 30 days to ≤ 90 days > 90 days Debt securities 0 0 0 0 0 0 0 0 0 Government entities Central banks Credit institutions Large corporations Retail clients Loans and receivables 0 0 0 0 0 0 0 0 16,545 Government entities Central banks Credit institutions Large corporations 1 Retail clients 16,544 Total 0 0 0 0 0 0 0 0 16,545 Annual Report 2023 101
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