Investor Presentaiton
GROUP
NON-PERFORMING LOANS
In EUR bn
Performing loans
inc. Stage 1 book outstandings
31.12.2022
30.09.2022
31.12.2021
554.4
573.1
543.9
(1)
494.2
511.2
479.9
inc. Stage 2 book outstandings
43.6
44.0
43.5
Non-performing loans
15.9
15.6
16.5
inc. Stage 3 book outstandings
15.9
15.6
16.5
Total Gross book outstandings*
570.3
588.7
560.4
Group Gross non performing loans ratio*
2.8%
2.7%
2.9%
Provisions on performing loans
3.2
3.1
2.8
inc. Stage 1 provisions
1.0
1.1
1.1
inc. Stage 2 provisions
2.1
2.0
1.7
Provisions on non-performing loans
7.7
7.8
8.4
inc. Stage 3 provisions
7.7
7.8
8.4
Total provisions
10.9
10.9
11.2
Group gross non-performing loans ratio (provisions on non-performing
loans/non-performing loans)
48%
50%
51%
*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. Historical
data restated
(1) Data restated excluding loans at fair value through profit or loss which are not eligible to IFRS 9 provisioning
SOCIETE
GENERALE
4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023View entire presentation