Investor Presentaiton
Risk policy & cost of risk
|
SCF principles applied
Oversight risk covering
Cost of risk contained
90%
87%
77%
70%
0.70
0.77
0.63
RISK
OVERSIGHT
0.24
57
50
61
20
2013
2014
Cost of Risk
2015
% ANR
2016
NPL Coverage(1)
RISKS
Credit risk model
• Fleet with an outstanding > 500€k
Brands Network (dealers, agents)
CORPORATE
RISK
Transversal, consolidated and global
vision of the PSA Banque France's
risks (credit, operational, counterparty)
RETAIL
RISK
Credit risk model for
end-users (individuals
and companies with an
outstanding 500€k)
(1) NPL Coverage: coverage rate of non-performing loans by provisions. 2016 : 210€M NPL (2.5%); 2015: 252€M NPL (3.1%); 2014: 284€M (3.6%); 2013: 340€M (4.2%).
Business overview
Debt Investor Presentation - April 2017
| 17
PSA
BANQU
FRANGEView entire presentation