Investor Presentaiton
GROUP
NON-PERFORMING LOANS
In EUR bn
Performing loans
31.03.2023
31.12.2022
31.03.2022
551.5
554.4
561.3
(1)
inc. Stage 1 book outstandings
inc. Stage 2 book outstandings
Non-performing loans
495.9
494.2
491.3
39.1
43.6
50.7
15.9
15.9
16.9
inc. Stage 3 book outstandings
15.9
15.9
16.9
Total Gross book outstandings (2)
567.4
570.3
578.2
Group Gross non performing loans ratio
2.8%
2.8%
2.9%
Provisions on performing loans
3.1
3.2
3.1
inc. Stage 1 provisions
1.1
1.0
1.2
inc. Stage 2 provisions
2.0
2.1
1.9
Provisions on non-performing loans
7.8
7.7
8.4
inc. Stage 3 provisions
7.8
7.7
8.4
Total provisions
11.0
10.9
11.4
Group gross non-performing loans ratio (provisions on non-performing
loans/non-performing loans)
49%
48%
49%
(1) Data excluding loans at fair value through profit or loss which are not eligible to IFRS 9 provisioning, (2) Figures calculated on on-balance sheet customer loans and advances, deposits at banks and loans due from banks, finance leases, excluding loans and
advances classified as held for sale, cash balances at central banks and other demand deposits, in accordance with the EBA/ITS/2019/02 Implementing Technical Standards amending Commission Implementing Regulation (EU) No 680/2014 with regard to the
reporting of financial information (FINREP). The NPL rate calculation was modified in order to exclude from the gross exposure in the denominator the net accounting value of the tangible assets for operating lease. Performing and non-performing loans include loans
at fair value through profit or loss which are not eligible to IFRS 9 provisioning and so not split by stage.
SOCIETE
GENERALE
1ST QUARTER 2023 RESULTS | 12 MAY 2023View entire presentation