GUARANTEE COMMITMENTS (EXCLUDING CRÉDIT AGRICOLE INTERNAL TRANSACTIONS) Performing assets Impaired assets Assets subject to an ECL at 12 months (Stage 1) Assets subject to an ECL at maturity (Stage 2) (Stage 3) Total (in thousands of euros) Amount of commitment Impairment for credit losses Amount of commitment Impairment for credit losses Amount of commitment Impairment for credit losses Amount of commitment Impairment for credit losses Amount of commitment (a) (b) (a) + (b) As at 31 December 2022 183,528 -148 1,503 -38 185,031 -186 184,845 Transfers of commitments during their lifetime from one stage to another -301 0 301 0 0 0 0 0 Transfers from Stage 1 to Stage 2 -4,244 1 4,244 -1 0 0 Transfers from Stage 2 to Stage 1 3,943 -1 -3,943 1 0 0 Transfers to Stage 3 (1) 0 0 Return from Stage 3 to Stage 2/Stage 1 0 0 Total after transfers 183,227 -148 1,804 -38 0 0 185,031 -186 184,845 Changes in commitment amounts and value adjustments for losses -28,002 32 1,201 -66 0 0 -26,801 -34 New commitments given (2) 48,586 -288 1,202 -652 49,788 -940 Expiration of commitments -76,363 319 -1 586 -76,364 905 Write-offs 0 0 Changes in cash flows on loans restructured due to financial difficulties 0 0 Changes in credit risk inputs of models over the period 0 Changes in the model / methodology 0 Changes in scope 0 0 Other -225 1 0 0 -225 1 As at 31/12/2023 155,225 -116 3,005 -104 0 0 158,230 -220 158,010 (1) Transfers to Stage 3 correspond to commitments initially classified in Stage 1, which were downgraded directly to Stage 3 or those downgraded to Stage 2 and then Stage 3 during the year. (2) New commitments given classified in Stage 2 may include commitments initially classified in Stage 1 which were reclassified to Stage 2 during the period. Annual Report 2023 91
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