Intesa Sanpaolo: risultati del 2021 EU-wide stress test

COMUNICATO STAMPA

INTESA SANPAOLO: RISULTATI DEL 2021 EU-WIDESTRESS TEST

Torino, Milano, 30 luglio 2021 - Intesa Sanpaolo è stata sottoposta al 2021 EU-wide stress test condotto dall'Autorità Bancaria Europea (EBA), in collaborazione con la Banca d'Italia, la Banca Centrale Europea (BCE) e il Comitato Europeo per il Rischio Sistemico (CERS).

Intesa Sanpaolo prende atto degli annunci effettuati oggi dall'EBA in merito ai risultati dell'EU-widestress test e riconosce pienamente i risultati dell'esercizio.

Il 2021 EU-widestress test non stabilisce una soglia minima di promozione o bocciatura, costituisce invece un'importante fonte di informazione ai fini dello SREP. I risultati saranno utili alle autorità competenti nella valutazione della capacità di Intesa Sanpaolo di rispettare i relativi requisiti prudenziali a fronte di scenari di stress.

Lo scenario avverso dello stress test è stato definito da BCE/CERS e copre un orizzonte temporale di tre anni (2021-2023). Lo stress test è stato condotto in base a un'ipotesi di bilancio statico al dicembre 2020 e, quindi, non considera strategie aziendali e iniziative gestionali future. Non rappresenta una previsione della redditività di Intesa Sanpaolo.

Il coefficiente patrimoniale Common Equity Tier 1 ratio (CET1 ratio) fully loaded risultante dallo stress test al 2023, anno finale della simulazione, per Intesa Sanpaolo è pari a:

• 15,06% nello scenario base
• 9,38% nello scenario avverso

rispetto al dato di partenza, registrato al 31 dicembre 2020, pari a 14,04%.

L'impatto della simulazione nello scenario avverso, pari a 466 centesimi di punto, sarebbe risultato pari a 448 centesimi di punto ripristinando la neutralità che si registra in realtà per i capital ratios in relazione al Piano di Incentivazione a Lungo Termine 2018-2021LECOIP 2.0 basato su strumenti finanziari (non colta dall'assunzione di bilancio statico nello stress test).

Il CET1 ratio fully loaded nello scenario avverso sarebbe risultato pari a 9,97% considerando sia il predetto ripristino della neutralità sia le operazioni di cessione di rami di attività - connesse all'acquisizione di UBI Banca nel 2020 - perfezionate nel primo semestre 2021, a parità di altre condizioni.

Investor Relations	Media Relations
+39.02.87943180	+39.02.87962326
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	group.intesasanpaolo.com

2

2021 EU-wide Stress Test

Bank Name

LEI Code

Country Code

Intesa Sanpaolo S.p.A.

2W8N8UU78PMDQKZENC08

IT

3

2021 EU-wide Stress Test: Summary

Intesa Sanpaolo S.p.A.

		1	2	3	4	5	6	7
		Actual		Baseline Scenario			Adverse Scenario
Row	(mln EUR, %)	31/12/2020	31/12/2021	31/12/2022	31/12/2023	31/12/2021	31/12/2022	31/12/2023
Num
1	Net interest income	7,717	8,505	8,282	8,142	7,516	7,551	7,432
2	Gains or losses on financial assets and liabilities held for trading and trading financial	832	602	602	602	-435	363	360
assets and trading financial liabilities
3	Impairment or (-) reversal of impairment on financial assets not measured at fair value	-4,363	-3,002	-1,425	-1,261	-7,525	-3,623	-4,279
through profit or loss
4	Profit or (-) loss for the year	3,326	2,921	3,908	3,950	-4,416	-123	-121
5	Coverage ratio: non-performing exposure (%)	48.64%	47.78%	44.58%	42.71%	50.64%	46.15%	42.90%
6	Common Equity Tier 1 capital	51,070	50,895	51,776	52,875	38,182	36,211	34,459
7	Total Risk exposure amount (all transitional adjustments included)	347,071	349,119	349,884	351,182	358,820	364,307	367,349
8	Common Equity Tier 1 ratio, %	14.71%	14.58%	14.80%	15.06%	10.64%	9.94%	9.38%
9	Fully loaded Common Equity Tier 1 ratio, %	14.04%	14.10%	14.56%	15.06%	10.06%	9.66%	9.38%
10	Tier 1 capital	58,556	58,381	59,262	60,361	45,668	43,697	41,945
11	Total leverage ratio exposures	814,646	814,646	814,646	814,646	814,646	814,646	814,646
12	Leverage ratio, %	7.19%	7.17%	7.27%	7.41%	5.61%	5.36%	5.15%
13	Fully loaded leverage ratio, %	6.94%	7.00%	7.20%	7.43%	5.36%	5.25%	5.16%
			Memorandum items
14	Total amount of instruments with mandatory conversion into ordinary shares upon a fixed		0	0	0	0	0	0
date in the 2021-2023 period (cumulative conversions)1
	Total Additional Tier 1 and Tier 2 instruments eligible as regulatory capital under the CRR
15	provisions that convert into Common Equity Tier 1 or are written down upon a trigger		7,480	7,480	7,480	7,480	7,480	7,480
	event2
16	Of which: eligible instruments whose trigger is above CET1 capital ratio in the adverse		0	0	0	0	0	0
scenario2

1. Conversions not considered for CET1 computation
2. Excluding instruments with mandatory conversion into ordinary shares upon a fixed date in the 2021-2023 period

17	IFRS 9 transitional arrangements?	Yes (static only)
18	New definition of default?	Yes

4

2021 EU-wide Stress Test: Credit risk IRB

Intesa Sanpaolo S.p.A.

				1		2	3		4		5		6	7		8	9	10	11	12	13	14	15
																Actual
																31/12/2020
						Exposure values					Risk exposure amounts
																				Stock of	Stock of	Stock of
				A-IRB		F-IRB			A-IRB		F-IRB					Coverage Ratio -
									Stage 1 exposure	Stage 2 exposure	Stage 3 exposure	provisions for	provisions for	provisions for
RowN				Non-defaulted		Defaulted	Non-defaulted		Defaulted		Non-defaulted		Defaulted	Non-defaulted		Defaulted				Stage 1 exposure	Stage 2 exposure	Stage 3 exposure	Stage 3 exposure
um		(mln EUR,	%)
1		Central banks		0		0	0			0	0		0	0		0	0	0	0	0	0	0	-
2		Central governments		0		0	0			0	0		0	0		0	122	7	1	0	0	0	0.00%
3		Institutions		29,725		406	0			0	14,120		101	0		0	15,825	5,740	406	18	39	160	39.33%
4		Corporates		192,355		16,811	1,309			35	107,053		4,088	1,004		0	136,259	40,314	14,262	406	1,131	7,336	51.44%
5		Corporates - Of Which: Specialised Lending		12,103		1,074	0			0	7,946		245	0		0	9,746	1,497	1,076	112	137	467	43.38%
6		Corporates - Of Which: SME		44,280		9,088	432			27	27,214		2,261	315		0	29,563	10,854	7,777	115	495	4,129	53.09%
7		Retail		165,702		8,748	0			0	33,108		2,092	0		0	132,501	20,630	5,109	143	650	2,036	39.84%
8		Retail - Secured on real estate property		130,382		4,583	0			0	23,259		1,520	0		0	107,449	13,302	3,085	75	389	833	26.99%
9	Intesa Sanpaolo S.p.A.	Retail - Secured on real estate property - Of Which: SME		7,397		1,114	0			0	1,887		278	0		0	4,213	2,002	721	9	82	243	33.66%
10	Retail - Secured on real estate property - Of Which: non-SME		122,985		3,468	0			0	21,372		1,242	0		0	103,236	11,300	2,364	66	307	590	24.96%
11		Retail - Qualifying Revolving		1,900		7	0			0	290		1	0		0	621	940	2	1	5	1	34.04%
12		Retail - Other Retail		33,420		4,158	0			0	9,559		570	0		0	24,431	6,388	2,022	67	257	1,202	59.46%
13		Retail - Other Retail - Of Which: SME		11,862		2,618	0			0	3,207		403	0		0	7,679	2,704	1,175	36	105	747	63.53%
14		Retail - Other Retail - Of Which: non-SME		21,557		1,540	0			0	6,352		168	0		0	16,752	3,684	846	31	152	455	53.81%
15		Equity		9,285		112					31,659		0				5,067	1	65	0	0	0	0.00%
16		Securitisation
17		Other non-credit obligation assets		0		0					0		0				0	0	0	0	0	0	-
18		IRB TOTAL		397,066		26,077	1,309			35	185,940		6,281	1,004		0	289,775	66,693	19,842	567	1,820	9,531	48.04%
																Actual
																31/12/2020
						Exposure values					Risk exposure amounts
				A-IRB		F-IRB			A-IRB		F-IRB					Stock of	Stock of	Stock of	Coverage Ratio -
																	Stage 1 exposure	Stage 2 exposure	Stage 3 exposure	provisions for	provisions for	provisions for
RowN																	Stage 3 exposure
			Non-defaulted		Defaulted	Non-defaulted		Defaulted		Non-defaulted		Defaulted	Non-defaulted		Defaulted				Stage 1 exposure	Stage 2 exposure	Stage 3 exposure
um		(mln EUR,	%)
19		Central banks		0		0	0			0	0		0	0		0	0	0	0	0	0	0	-
20		Central governments		0		0	0			0	0		0	0		0	0	0	0	0	0	0	-
21		Institutions		17,155		322	0			0	6,987		81	0		0	9,008	5,275	322	6	36	142	44.05%
22		Corporates		138,904		16,318	0			1	79,293		3,929	0		0	98,730	26,948	13,788	243	920	7,056	51.17%
23		Corporates - Of Which: Specialised Lending		7,253		910	0			0	4,264		211	0		0	5,711	1,100	928	35	76	363	39.08%
24		Corporates - Of Which: SME		42,369		9,029	0			1	25,888		2,212	0		0	27,811	10,558	7,715	105	491	4,086	52.97%
25		Retail		156,500		8,622	0			0	32,076		1,995	0		0	123,696	20,256	4,982	127	638	1,986	39.86%
26		Retail - Secured on real estate property		121,555		4,477	0			0	22,386		1,456	0		0	98,942	13,001	2,977	64	380	796	26.74%
27	ITALY	Retail - Secured on real estate property - Of Which: SME		7,365		1,113	0			0	1,866		275	0		0	4,189	1,994	719	8	81	242	33.59%
28	Retail - Secured on real estate property - Of Which: non-SME		114,190		3,364	0			0	20,519		1,180	0		0	94,753	11,007	2,258	56	298	554	24.56%
29		Retail - Qualifying Revolving		1,899		7	0			0	290		1	0		0	620	940	2	1	5	1	34.05%
30		Retail - Other Retail		33,046		4,138	0			0	9,400		538	0		0	24,134	6,315	2,003	61	254	1,189	59.38%
31		Retail - Other Retail - Of Which: SME		11,571		2,604	0			0	3,061		371	0		0	7,452	2,643	1,161	31	102	737	63.50%
32		Retail - Other Retail - Of Which: non-SME		21,475		1,534	0			0	6,339		167	0		0	16,682	3,672	842	31	152	452	53.69%
33		Equity		8,659		112					29,882		0				4,847	1	65	0	0	0	0.00%
34		Securitisation
35		Other non-credit obligation assets		0		0					0		0				0	0	0	0	0	0	-
36		IRB TOTAL		321,219		25,374	0			1	148,237		6,005	0		0	236,281	52,480	19,157	375	1,594	9,183	47.94%
																Actual
																31/12/2020
						Exposure values					Risk exposure amounts
				A-IRB		F-IRB			A-IRB		F-IRB					Stock of	Stock of	Stock of	Coverage Ratio -
																	Stage 1 exposure	Stage 2 exposure	Stage 3 exposure	provisions for	provisions for	provisions for
RowN																	Stage 3 exposure
			Non-defaulted		Defaulted	Non-defaulted		Defaulted		Non-defaulted		Defaulted	Non-defaulted		Defaulted				Stage 1 exposure	Stage 2 exposure	Stage 3 exposure
um		(mln EUR,	%)
37		Central banks		0		0	0			0	0		0	0		0	0	0	0	0	0	0	-
38		Central governments		0		0	0			0	0		0	0		0	0	0	0	0	0	0	-
39		Institutions		0		0	0			0	0		0	0		0	0	0	0	0	0	0	-
40		Corporates		3,937		64	566			4	2,650		60	434		0	4,161	325	68	70	10	48	70.21%
41		Corporates - Of Which: Specialised Lending		1,038		5	0			0	985		0	0		0	993	45	5	60	6	5	100.58%
42		Corporates - Of Which: SME		1,590		52	257			4	987		47	191		0	1,677	167	56	7	3	39	69.07%
43		Retail		8,460		104	0			0	890		90	0		0	8,140	320	104	15	11	43	41.32%
44		Retail - Secured on real estate property		8,172		92	0			0	746		59	0		0	7,913	259	92	10	8	34	37.17%
45	SLOVAKIA	Retail - Secured on real estate property - Of Which: SME		31		1	0			0	20		2	0		0	23	7	1	1	0	1	68.54%
46	Retail - Secured on real estate property - Of Which: non-SME		8,141		90	0			0	726		57	0		0	7,890	251	90	10	7	33	36.74%
47		Retail - Qualifying Revolving		0		0	0			0	0		0	0		0	0	0	0	0	0	0	-
48		Retail - Other Retail		288		13	0			0	144		32	0		0	227	61	13	5	3	9	71.59%
49		Retail - Other Retail - Of Which: SME		288		13	0			0	144		32	0		0	227	61	13	5	3	9	71.59%
50		Retail - Other Retail - Of Which: non-SME		0		0	0			0	0		0	0		0	0	0	0	0	0	0	-
51		Equity		0		0					0		0				0	0	0	0	0	0	-
52		Securitisation
53		Other non-credit obligation assets		0		0					0		0				0	0	0	0	0	0	-
54		IRB TOTAL		12,398		168	566			4	3,541		150	434		0	12,302	644	172	86	20	91	52.74%
																Actual
																31/12/2020
						Exposure values					Risk exposure amounts
				A-IRB		F-IRB			A-IRB		F-IRB					Stock of	Stock of	Stock of	Coverage Ratio -
																	Stage 1 exposure	Stage 2 exposure	Stage 3 exposure	provisions for	provisions for	provisions for
RowN																	Stage 3 exposure
			Non-defaulted		Defaulted	Non-defaulted		Defaulted		Non-defaulted		Defaulted	Non-defaulted		Defaulted				Stage 1 exposure	Stage 2 exposure	Stage 3 exposure
um		(mln EUR,	%)
55		Central banks		0		0	0			0	0		0	0		0	0	0	0	0	0	0	-
56		Central governments		0		0	0			0	0		0	0		0	0	0	0	0	0	0	-
57		Institutions		835		0	0			0	458		0	0		0	521	57	0	0	0	0	-
58		Corporates		8,088		20	0			0	3,243		5	0		0	5,228	2,391	20	13	35	7	36.10%
59		Corporates - Of Which: Specialised Lending		509		0	0			0	257		0	0		0	417	65	0	1	2	0	-
60		Corporates - Of Which: SME		21		0	0			0	14		0	0		0	17	5	0	0	0	0	100.00%
61		Retail		51		0	0			0	8		0	0		0	49	1	0	0	0	0	28.64%
62		Retail - Secured on real estate property		49		0	0			0	8		0	0		0	47	1	0	0	0	0	17.62%
63	UNITED STATES	Retail - Secured on real estate property - Of Which: SME		0		0	0			0	0		0	0		0	0	0	0	0	0	0	-
64	Retail - Secured on real estate property - Of Which: non-SME		49		0	0			0	8		0	0		0	47	1	0	0	0	0	17.62%
65		Retail - Qualifying Revolving		0		0	0			0	0		0	0		0	0	0	0	0	0	0	-
66		Retail - Other Retail		2		0	0			0	0		0	0		0	2	0	0	0	0	0	56.62%
67		Retail - Other Retail - Of Which: SME		0		0	0			0	0		0	0		0	0	0	0	0	0	0	82.84%
68		Retail - Other Retail - Of Which: non-SME		2		0	0			0	0		0	0		0	2	0	0	0	0	0	56.55%
69		Equity		117		0					256		0				0	0	0	0	0	0	-
70		Securitisation
71		Other non-credit obligation assets		0		0					0		0				0	0	0	0	0	0	-
72		IRB TOTAL		9,091		21	0			0	3,965		5	0		0	5,798	2,449	21	13	35	7	36.00%

5

2021 EU-wide Stress Test: Credit risk IRB

Intesa Sanpaolo S.p.A.

				1		2	3	4		5		6	7		8	9	10	11	12	13	14	15
																	Actual
																	31/12/2020
						Exposure values						Risk exposure amounts
				A-IRB				F-IRB		A-IRB		F-IRB					Stock of	Stock of	Stock of	Coverage Ratio -
																		Stage 1 exposure	Stage 2 exposure	Stage 3 exposure	provisions for	provisions for	provisions for
RowN																		Stage 3 exposure
			Non-defaulted		Defaulted		Non-defaulted		Defaulted		Non-defaulted		Defaulted	Non-defaulted		Defaulted				Stage 1 exposure	Stage 2 exposure	Stage 3 exposure
um		(mln EUR,	%)
73		Central banks		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
74		Central governments		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
75		Institutions		1			0		0		0	0		0	0		0	1	0	0	0	0	0	99.90%
76		Corporates		149			0		12		0	80		0	11		0	66	37	0	0	1	0	-
77		Corporates - Of Which: Specialised Lending		56			0		0		0	23		0	0		0	35	0	0	0	0	0	-
78		Corporates - Of Which: SME		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
79		Retail		0			0		0		0	0		0	0		0	0	0	0	0	0	0	56.38%
80		Retail - Secured on real estate property		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
81	CROATIA	Retail - Secured on real estate property - Of Which: SME		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
82	Retail - Secured on real estate property - Of Which: non-SME		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
83		Retail - Qualifying Revolving		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
84		Retail - Other Retail		0			0		0		0	0		0	0		0	0	0	0	0	0	0	56.38%
85		Retail - Other Retail - Of Which: SME		0			0		0		0	0		0	0		0	0	0	0	0	0	0	57.49%
86		Retail - Other Retail - Of Which: non-SME		0			0		0		0	0		0	0		0	0	0	0	0	0	0	56.37%
87		Equity		0			0					0		0				0	0	0	0	0	0	-
88		Securitisation
89		Other non-credit obligation assets		0			0					0		0				0	0	0	0	0	0	-
90		IRB TOTAL		150			0		12		0	80		0	11		0	67	37	0	0	1	0	57.95%
																	Actual
																	31/12/2020
						Exposure values						Risk exposure amounts
				A-IRB				F-IRB		A-IRB		F-IRB					Stock of	Stock of	Stock of	Coverage Ratio -
																		Stage 1 exposure	Stage 2 exposure	Stage 3 exposure	provisions for	provisions for	provisions for
RowN																		Stage 3 exposure
			Non-defaulted		Defaulted		Non-defaulted		Defaulted		Non-defaulted		Defaulted	Non-defaulted		Defaulted				Stage 1 exposure	Stage 2 exposure	Stage 3 exposure
um		(mln EUR,	%)
91		Central banks		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
92		Central governments		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
93		Institutions		606			0		0		0	214		0	0		0	128	32	0	0	0	0	90.13%
94		Corporates		3,603			2		0		0	1,998		1	0		0	2,910	495	2	4	13	2	68.27%
95		Corporates - Of Which: Specialised Lending		154			0		0		0	71		0	0		0	128	0	0	1	0	0	-
96		Corporates - Of Which: SME		7			0		0		0	5		0	0		0	7	1	0	0	0	0	-
97		Retail		9			1		0		0	2		0	0		0	7	1	1	0	0	0	48.28%
98		Retail - Secured on real estate property		8			0		0		0	1		0	0		0	7	1	0	0	0	0	49.85%
99	SPAIN	Retail - Secured on real estate property - Of Which: SME		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
100	Retail - Secured on real estate property - Of Which: non-SME		8			0		0		0	1		0	0		0	7	1	0	0	0	0	49.85%
101		Retail - Qualifying Revolving		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
102		Retail - Other Retail		0			1		0		0	0		0	0		0	0	0	1	0	0	0	48.21%
103		Retail - Other Retail - Of Which: SME		0			1		0		0	0		0	0		0	0	0	1	0	0	0	47.47%
104		Retail - Other Retail - Of Which: non-SME		0			0		0		0	0		0	0		0	0	0	0	0	0	0	56.72%
105		Equity		0			0					0		0				0	0	0	0	0	0	-
106		Securitisation
107		Other non-credit obligation assets		0			0					0		0				0	0	0	0	0	0	-
108		IRB TOTAL		4,218			4		0		0	2,214		1	0		0	3,045	528	3	4	13	2	63.18%
																	Actual
																	31/12/2020
						Exposure values						Risk exposure amounts
				A-IRB				F-IRB		A-IRB		F-IRB					Stock of	Stock of	Stock of	Coverage Ratio -
																		Stage 1 exposure	Stage 2 exposure	Stage 3 exposure	provisions for	provisions for	provisions for
RowN																		Stage 3 exposure
			Non-defaulted		Defaulted		Non-defaulted		Defaulted		Non-defaulted		Defaulted	Non-defaulted		Defaulted				Stage 1 exposure	Stage 2 exposure	Stage 3 exposure
um		(mln EUR,	%)
109		Central banks		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
110		Central governments		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
111		Institutions		0			0		0		0	0		0	0		0	0	0	0	0	0	0	99.90%
112		Corporates		179			0		0		0	115		0	0		0	121	49	0	2	4	0	-
113		Corporates - Of Which: Specialised Lending		75			0		0		0	47		0	0		0	17	49	0	2	4	0	-
114		Corporates - Of Which: SME		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
115		Retail		25			0		0		0	4		0	0		0	23	1	0	0	0	0	72.97%
116		Retail - Secured on real estate property		24			0		0		0	4		0	0		0	23	1	0	0	0	0	-
117	SERBIA	Retail - Secured on real estate property - Of Which: SME		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
118	Retail - Secured on real estate property - Of Which: non-SME		24			0		0		0	4		0	0		0	23	1	0	0	0	0	-
119		Retail - Qualifying Revolving		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
120		Retail - Other Retail		0			0		0		0	0		0	0		0	0	0	0	0	0	0	72.97%
121		Retail - Other Retail - Of Which: SME		0			0		0		0	0		0	0		0	0	0	0	0	0	0	76.92%
122		Retail - Other Retail - Of Which: non-SME		0			0		0		0	0		0	0		0	0	0	0	0	0	0	72.90%
123		Equity		0			0					0		0				0	0	0	0	0	0	-
124		Securitisation
125		Other non-credit obligation assets		0			0					0		0				0	0	0	0	0	0	-
126		IRB TOTAL		203			0		0		0	119		0	0		0	144	50	0	2	4	0	87.64%
																	Actual
																	31/12/2020
						Exposure values						Risk exposure amounts
				A-IRB				F-IRB		A-IRB		F-IRB					Stock of	Stock of	Stock of	Coverage Ratio -
																		Stage 1 exposure	Stage 2 exposure	Stage 3 exposure	provisions for	provisions for	provisions for
RowN																		Stage 3 exposure
			Non-defaulted		Defaulted		Non-defaulted		Defaulted		Non-defaulted		Defaulted	Non-defaulted		Defaulted				Stage 1 exposure	Stage 2 exposure	Stage 3 exposure
um		(mln EUR,	%)
127		Central banks		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
128		Central governments		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
129		Institutions		3,021			0		0		0	556		0	0		0	703	55	0	0	0	0	3.74%
130		Corporates		3,068			60		0		0	1,567		14	0		0	2,010	322	60	2	2	5	8.62%
131		Corporates - Of Which: Specialised Lending		60			0		0		0	19		0	0		0	58	0	0	0	0	0	-
132		Corporates - Of Which: SME		4			0		0		0	3		0	0		0	3	1	0	0	0	0	-
133		Retail		27			1		0		0	6		0	0		0	24	2	1	0	0	0	51.67%
134		Retail - Secured on real estate property		25			1		0		0	5		0	0		0	23	2	1	0	0	0	43.64%
135	FRANCE	Retail - Secured on real estate property - Of Which: SME		1			0		0		0	0		0	0		0	1	0	0	0	0	0	-
136	Retail - Secured on real estate property - Of Which: non-SME		25			1		0		0	5		0	0		0	22	2	1	0	0	0	43.64%
137		Retail - Qualifying Revolving		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
138		Retail - Other Retail		2			1		0		0	0		0	0		0	1	0	0	0	0	0	74.73%
139		Retail - Other Retail - Of Which: SME		0			0		0		0	0		0	0		0	0	0	0	0	0	0	-
140		Retail - Other Retail - Of Which: non-SME		2			1		0		0	0		0	0		0	1	0	0	0	0	0	74.73%
141		Equity		0			0					0		0				0	0	0	0	0	0	-
142		Securitisation
143		Other non-credit obligation assets		0			0					0		0				0	0	0	0	0	0	-
144		IRB TOTAL		6,116			62		0		0	2,129		15	0		0	2,737	379	61	2	2	6	9.11%