2nd Quarter and 1st Half 2022 Results
GROUP
NON-PERFORMING LOANS
In EUR bn
30.06.2022
31.03.2022
30.06.2021
Performing loans
565.9
561.3
519.3
inc. Stage 1 book outstandings (1)
503.1
491.3
454.8
inc. Stage 2 book outstandings
44.0
50.7
42.0
Non-performing loans
16.3
16.9
16.7
inc. Stage 3 book outstandings
16.3
16.9
16.7
Total Gross book outstandings*
582.2
578.2
536.1
Group Gross non performing loans ratio*
2.8%
2.9%
3.1%
Provisions on performing loans
2.9
3.1
3.0
inc. Stage 1 provisions
1.0
1.2
1.1
inc. Stage 2 provisions
1.8
1.9
1.9
Provisions on non-performing loans
8.1
8.4
8.6
inc. Stage 3 provisions
8.1
8.4
8.6
Total provisions
10.9
11.4
11.6
Group gross non-performing loans ratio (provisions on non-performing
loans/non-performing loans)
50%
49%
52%
*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
2ND QUARTER AND 1ST HALF 2022 RESULTS 13 AUGUST 2022
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