NATIXIS - 2018 Registration document and annual financial report

5 FINANCIAL DATA

Parent company financial statements and notes

TRANSACTIONS WITH CUSTOMERS

NOTE 4

2018

2017

(in millions of euros)

Current accounts overdrawn

3,531

3,349 1,034

Commercial loans

937

Other customer loans

121,495 28,147

108,007 25,104

Cash and consumer credit

Equipment loans

4,499 3,119

4,361 2,726

Export credit Home loans

3

3

Reverse repurchase agreements

63,055

55,417

Subordinated loans

948

945

Other loans

21,724

19,451

TRANSACTIONS WITH CUSTOMERS

125,963

112,390

o/w accrued interest

283

222

The amount of perpetual subordinated loans totaled €877 million at December 31, 2018 versus €875 million at December 31, 2017. Restructured loans as defined in Note 1 amounted to €122 million in performing loans, before impairment, at December 31, 2018 versus €81 million at December 31, 2017. The amount after impairment stood at €119 million at December 31, 2018. No provision for impairment had been recorded at December 31, 2017. Restructured loans as defined in Note 1 recorded as non-performing or irrecoverable loans amounted to €1,014 million before impairment at December 31, 2018 versus €1,575 million at December 31, 2017. The amount after impairment amounted to €721 million at December 31, 2018 versus €1,151 million at December 31, 2017.

Non-performing loans amounted to €2,150 million at December 31, 2018 versus €2,839 million at December 31, 2017 (of which €223 million at December 31, 2018 relating to irrecoverable loans versus €247 million at December 31, 2017). Provisions for non-performing loans totaled -€859 million at December 31, 2018 versus -€969 million at December 31, 2017 (of which -€215 million at December 31, 2018 versus -€240 million at December 31, 2017 relating to provisions for irrecoverable loans). Receivables eligible for refinancing with the Banque de France and/or the European Central Bank amounted to €627 million at December 31, 2018 versus €1,579 million at December 31, 2017.

416

Natixis Registration Document 2018