Société Générale / Risk report 2021 - Pillar 3 2020

6 CREDIT RISK ADDITIONAL QUANTITATIVE INFORMATION ON CREDIT RISK | SOCIETE GENERALE GROUP | PILLAR 3 - 2021 135 TABLE 62: CREDIT RISKMITIGATION TECHNIQUES – OVERVIEW (CR3) (In EURm) 31.12.2020 Exposures unsecured - Carrying amount Exposures secured - Carrying amount Exposures secured by collateral Exposures secured by financial guarantees Total loans 442,980 262,058 104,775 157,282 Total debt securities 62,035 5,590 5,486 104 TOTAL EXPOSURES 505,014 267,648 110,262 157,386 The table as at 31 December 2019 has been modified as follows: (In EURm) 31.12.2019 Exposures unsecured - Carrying amount Exposures secured - Carrying amount Exposures secured by collateral Exposures secured by financial guarantees Total loans 391,647 250,974 116,495 134,479 Total debt securities 63,907 3,225 3,225 - TOTAL EXPOSURES 455,555 254,200 119,720 134,479 TABLE 63: IMPACT OF CREDIT RISK DERIVATIVES USED AS CRM TECHNIQUES ON RWA – IRB (CR7) The following table excludes securitisation risk and features credit risk as well as counterparty credit risk without CVA charges and without exposures cleared through CCPs. (In EURm) 31.12.2020 Pre-credit derivatives Actual RWAs EXPOSURES UNDER FIRB 4,417 4,417 Central governments and central banks 6 6 Institutions 0 0 Corporate - SME 1,506 1,506 Corporate - Specialised lending - - Corporate - Other 2,903 2,903 EXPOSURES UNDER AIRB 178,616 177,655 Central governments and central banks 6,413 6,411 Institutions 7,659 7,645 Corporate - SME 19,326 19,326 Corporate - Specialised lending 14,715 14,715 Corporate - Other 75,771 74,825 Retail - Secured by real estate SME 1,037 1,037 Retail - Secured by real estate non-SME 14,302 14,302 Retail - Qualifying revolving 1,740 1,740 Retail - Other SME 5,654 5,654 Retail - Other non - SME 9,943 9,943 Equity exposures IRB 21,942 21,942 Other non credit-obligation assets 115 115 TOTAL 183,033 182,071