Global outstanding loans by Groupe BPCE 2020-2023, by impairment stage

The value of outstanding credit-impaired (stage 3) loans by Groupe BPCE increased by over a billion in 2023. Meanwhile, the French cooperative bank had loans to customers and credit banks in the stage 2 amounting to 131 billion euros. As defined in the IFRS 9, when a loan's credit risk has increased significantly, it may be considered underperforming (stage 2), if its risk is even higher it may be classified as credit-impaired (stage 3). There were no French banks in the list of the ten largest sellers of NPLs in Europe.