Disclosure in application of Regulation CRR
Defacto - Key metrics as of 31/12/2025
| Key metrics | 31/12/2025 (k€ / %) |
|---|---|
| Available own funds (amounts) | |
| 1. Common Equity Tier 1 (CET1) capital | 18,193 k€ |
| 2. Tier 1 capital | 18,193 k€ |
| 3. Total capital | 18,193 k€ |
| Risk-weighted exposure amounts | |
| 4. Total risk exposure amount | 48,298 k€ |
| Capital ratios (as a percentage of risk-weighted exposure amount) | |
| 5. Common Equity Tier 1 ratio (%) | 37.67% |
| 6. Tier 1 ratio (%) | 37.67% |
| 7. Total capital ratio (%) | 37.67% |
| Additional own funds requirements to address risks other than the risk of excessive leverage (as a percentage of risk-weighted exposure amount) | |
| EU 7a. Additional own funds requirements (%) | 0.00% |
| EU 7b. of which: to be made up of CET1 capital (percentage points) | 0.00% |
| EU 7c. of which: to be made up of Tier 1 capital (percentage points) | 0.00% |
| EU 7d. Total SREP own funds requirements (%) | 8.00% |
| Combined buffer and overall capital requirement (as a percentage of risk-weighted exposure amount) | |
| 8. Capital conservation buffer (%) | 2.50% |
| EU 8a. Conservation buffer due to macro-prudential or systemic risk identified at the level of a Member State (%) | 1.00% |
| 9. Institution specific countercyclical capital buffer (%) | 0.00% |
| EU 9a. Systemic risk buffer (%) | 0.00% |
| 10. Global Systemically Important Institution buffer (%) | 0.00% |
| EU 10a. Other Systemically Important Institution buffer (%) | 0.00% |
| 11. Combined buffer requirement (%) | 3.50% |
| EU 11a. Overall capital requirements (%) | 11.50% |
| 12. CET1 available after meeting the total SREP own funds requirements (%) | 26.67% |
Because Defacto applies the CRR's standardised approach to credit risk, the key metrics relating to the un-floored total risk exposure amount are not required to be disclosed, the un-floored total risk exposure amount being equal to the floored total risk exposure amount.
Environmental, Social and Governance (ESG) Risks
Sectoral exclusions
Defacto applies a strict exclusion policy in respect of a number of sectors of activity.
Defacto does not finance any project involving the development or operation of fossil-fuel infrastructure (coal, gas or oil) and, as a result, has no exposure to entities in the fossil fuel sector.
Defacto also considers certain other sectors to be incompatible with its activity. The list of eligible and excluded sectors is available on the following page.
Internal actions
As part of its ESG approach, Defacto has implemented a number of actions to limit its Scope 1, 2 and 3 greenhouse gas emissions:
- Scope 1: Defacto has selected premises equipped with efficient heating and cooling systems using refrigerant gases with a relatively low global warming potential, and maintains moderate heating and cooling temperatures.
- Scope 2: to reduce the environmental impact of commuting, Defacto encourages remote working and "soft" mobility (cycling, walking, metro) and took this objective into account when selecting the location of its premises; Defacto allows employees to prepare their own meals rather than purchase meals with disposable tableware; and Defacto operates a paperless policy.
- Scope 3: in selecting its suppliers, Defacto takes into account, for the most energy-intensive activities among them, their climate strategy and policy (carbon neutrality, energy mix, etc.).
During 2026, Defacto will carry out a carbon footprint assessment covering its direct emissions (Scope 1 and 2) and indirect emissions (Scope 3).
Lastly, although not legally required to do so, Defacto calculated its professional equality index ("Index EgaPro") for 2025. That index stands at 94, a highly satisfactory result.
ESG risks
Because Defacto grants only short-term financing, it is not directly exposed to the risk of stranded assets. As regards adaptation to climate change, Defacto maintains a diversified activity, across sectors and across the geographic location of its clients within France, which reduces its indirect exposure to a sudden climate event (flooding, storm, fire), notwithstanding the increasing frequency of such events.
As regards its servers and physical climate risk exposure of them, Defacto's back-up and redundancy servers are not located in the same geographic area as its primary servers.