SFIL Annual financial report 2018

Consolidated financial statements in accordance with IFRS I 3 91 Annual Financial Report 2018 SFIL Management report Report on corporate governance Consolidated financial statements in accordance with IFRS Annual financial statements in accordance with French GAAP Shareholders’ Meeting of May 29, 2019 General information Detail of on derecognition of assets and liabilities at amortized cost 2018 Notional amount Impact on net result Prepayments of securities 5 0 Net result of disposals or prepayments of securities at amortized cost 5 0 Prepayments of loans and advances to customers 47 7 Restructuring of loans and advances to customers 68 9 Net result of disposals or prepayments of loans and advances to customers at amortized cost 115 16 Sub-total assets 120 16 Prepayments of debt to banks - - Net result of disposals or prepayments of debt to banks at amortized cost 2,767 (4) Prepayments of debt securities - - Net result of disposals or prepayments of debt securities at amortized cost - - Sub-total liabilities 2,767 (4) TOTAL 12 5.6 - NET RESULT OF FINANCIAL ASSETS AND LIABILITIES 2017 2018 Net result of disposals of loans and securities available for sale 0 N/A Net result of disposals of debt securities (4) N/A Net result of the sale or cancellation of loans and advances 18 N/A Net result of the sale or cancellation of property and equipment or intangible assets - N/A TOTAL 14 N/A 5.7 - OPERATING EXPENSE 2017 2018 Payroll costs (51) (48) Other general and administrative expenses (44) (42) Taxes (12) (11) TOTAL (107) (101) 5.8 - DEPRECIATION AND AMORTIZATION, PROPERTY AND EQUIPMENT AND INTANGIBLE ASSETS 2017 2018 Depreciation and amortization, property and equipment (1) (1) Depreciation and amortization, intangible assets (5) (9) TOTAL (6) (10) 5.9 - COST OF RISK 2017 Collective impairment Specific impairment and losses Total Credit (loans, advances and commitments) 16 6 22 Fixed income securities available for sale - - - TOTAL 16 6 22