2017 IN FIGURES Ten key figures on household over-indebtedness in France 181,123 situations of over-indebtedness were submitted to the household debt commission secretariats, i.e. 343 situations per 100,000 inhabitants aged 15 and over. Almost half of those households were assisted by a social worker 73,807 personal recovery procedures (PRP), with or without judicial liquidation, representing 44% of admissible situations, for an outstanding debt of EUR 1.8 billion

In two cases out of three the debtor is single or separated (64% en 2012) 27% of over-indebted persons are unemployed One over-indebted household in two has no repayment capability. Over 82% of over-indebted households have a gross wealth of less than EUR 2,000

7.2 billion euros in total debt for the 166,760 households whose situations had been declared admissible by the household debt commissions. After processing by the commissions, then possible approval by Justice, 23% of the total debt was erased 27,862 euros in average debt, excluding real estate, per over-indebted household. The median debt, excluding real estate, amounted to EUR 16,593. Regarding consumer loans, the average debt amounted to EUR 20,459. The share of consumer loans in the total debt of over‑indebted households has dropped by 16 points since 2012, sliding from 53.8% to 37.4% of the total Over one situation of indebtedness in five does not involve any consumer debt, compared to one in ten in 2012. On average, each situation involving consumer debt contains 4 consumer debts, compared to 4.6 in 2012 108,094 euros in real estate debt, on average. This type of debt is present in 14.4% of over-indebtedness situations 12% arrears on current outgoings in total indebtedness. These arrears are present in 82% of over-indebtedness situations

Household over-indebtedness | Typological survey | 2017 1 2017 IN FIGURES Multi-year developments

Number of indebtedness situations Personal recovery procedures submitted to commissions (as a % of admissible over-indebtedness situations) 240,000 50

220,000 40

200,000 30

180,000 20

160,000 10 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Source: Banque de France. Source: Banque de France.

DEBTS Total debt Share of real estate and consumer debt of over-indebted households in total debt (EUR millions) (%) 8 500 70

8 000 60 50 7 500 40 7 000 30

6 500 20

6 000 10 2010 2011 2012 2013 2014 2015 2016 2017 2010 2011 2012 2013 2014 2015 2016 2017 Real estate debt Consumer debt Source: Banque de France. Source: Banque de France.

Average and median debt excluding real estate Average real estate debt (euros) (euros) 30,000 110,000

27,000 105,000

24,000 100,000

21,000 95,000

18,000 90,000

15,000 85,000 2010 2011 2012 2013 2014 2015 2016 2017 2010 2011 2012 2013 2014 2015 2016 2017 Average debt excl. real estate Median debt excl. real estate Source: Banque de France. Source: Banque de France.

Debt structure Consumer debt (EUR millions) (EUR millions) 5,000 3,000

4,000 2,500 2,000 3,000 1,500 2,000 1,000

1,000 500

0 0 2010 2011 2012 2013 2014 2015 2016 2017 2010 2011 2012 2013 2014 2015 2016 2017 Real estate debt Revolving credit Consumer debt Personal loans Debt for current outgoings and others Speci c-purpose loans, leases with purchase option Source: Banque de France. Source: Banque de France.

2 Household over-indebtedness | Typological survey | 2017