5. Goldman Sachs Group Inc No.5 U.S. bank by assets. Energy exposure assumed at 2.1% of total loans. Goldman Sachs has $10.6 billion in total oil sector exposure. Goldman Sachs only 3 weeks ago came out and said that about 40% of its oil and gas loans and lending commitments are to junk-rated firms. The figure, which counts both loans made and future promises to lend, accounted for $4.2 billion of a total $10.6 billion as of the end of December, the New York-based bank said Monday in its annual regulatory filing. Goldman Sachs has $1.5 billion in loans to energy companies rated below investment grade and $2.7 billion in unfunded commitments. The total exposure jumps $1.9 billion counting derivatives and other receivables, which were "primarily" to investment-grade firms, Goldman Sachs said. The bank's market exposure to oil and gas firms was negative $677 million compared with $805 million a year earlier.