GUARANTEE COMMITMENTS (EXCLUDING CRÉDIT AGRICOLE INTERNAL TRANSACTIONS) Performing assets Impaired assets Assets subject to an ECL at 12 months (Stage 1) Assets subject to lifetime ECL (Stage 2) (Stage 3) Total (in thousands of euro) Amount of the commitment Impairment for credit losses Amount of the commitment Impairment for credit losses Amount of the commitment Impairment for credit losses Amount of the commitment Impairment for credit losses Amount of the commitment (a) (b) (a) + (b) As of 31 December 2024 210,315 -356 2,153 -216 212,468 -572 211,896 Transfers of commitments during their lifetime from one stage to another -550 550 Transfers from Stage 1 to Stage 2 -900 1 900 -1 Transfers from Stage 2 to Stage 1 350 -1 -350 1 Transfers to Stage 3 (1) Return from Stage 3 to Stage 2/Stage 1 Total after transfers 209,765 -356 2,703 -216 212,468 -572 211,896 Changes in commitment amounts and value adjustments for losses -48,456 127 -1,150 48 -49,606 175 -49,431 New commitments given (2) 49,280 -147 55 -103 49,335 -250 49,085 Expiration of commitments -97,677 262 -605 146 -98,282 408 -97,874 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 Changes to the scope Other -59 12 -600 5 -659 17 -642 As of 31 December 2025 161,309 -229 1,553 -168 0 0 162,862 -397 162,465 (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 2025 103
RkJQdWJsaXNoZXIy NzMxNTcx