BPCE_REGISTRATION_DOCUMENT_2017

FINANCIAL REPORT IFRS Consolidated Financial Statements of BPCE SA group as at December 31, 2017

5.6.1

Loans and receivables due from credit institutions

12/31/2017

12/31/2016

in millionsof euros

Loans and receivablesdue from creditinstitutions

121,654

123,394

Specific impairment

(61)

(63)

Impairment on aportfoliobasis

(8)

(8)

TOTALLOANS AND RECEIVABLES DUE FROM CREDIT INSTITUTIONS

121,585

123,323

The fair valueof loansand receivables due from banks is presented inNote 15. Breakdown of gross loans and receivables due from credit institutions

12/31/2017

12/31/2016

in millionsof euros

Currentaccountswith overdrafts

6,536 7,801

8,155 9,706

Repurchase agreements

Accounts and loans

105,555

103,323

Securitiesclassified asloans and receivables

321

317

Other loans and receivablesdue from credit institutions

1,378

1,822

Impaired loansand receivables

63

71

TOTALGROSS LOANS ANDRECEIVABLESDUE FROMCREDIT INSTITUTIONS

121,654

123,394

€ 103,288 million at December 31, 2017 ( € 101,087 million at

Receivables arising from transactions with the networks amounted to

December31, 2016).

5.6.2

Loans and receivables due from customers

5

12/31/2017

12/31/2016

in millionsof euros

Loans and receivablesdue from customers

244,872

251,642

Specific impairment

(3,035)

(3,275)

Impairment on aportfoliobasis

(506)

(597)

TOTALLOANS AND RECEIVABLES DUE FROM CUSTOMERS

241,331

247,770

The fair valueof loansand receivables due from customers is presented inNote 15. Breakdown of gross loans and receivables due from customers

12/31/2017

12/31/2016

in millionsof euros

Currentaccounts with overdrafts Loans tofinancial sectorcustomers

4,770 5,892

5,501 3,725

Short-term creditfacilities

28,491 26,767 55,717

27,708 29,959 56,774

Equipmentloans

Home loans Export loans

2,867

3,398

Repurchase agreements

48,712 11,393

43,996 10,741

Finance leases

Subordinated loans

186

194

Guaranteedeposits madefor theacceptanceof reinsurance treaties*

10,258 19,441 209,724 13,479

10,825 22,114 209,434 19,721

Other loans

Otherfacilitiesgranted to customers

Securities classified as loansand receivables Other loans and receivables due from customers

7,854 9,045

7,766 9,220

Impaired loansand receivables

TOTALGROSS LOANS ANDRECEIVABLESDUE FROMCUSTOMERS 251,642 Thesedepositsweremadewith CNP Assurancesin 2016under the reinsurancetreatycovering10%of CNP Assurances’total savingsdepositoutstandings.This cashdeposit is backedby technical * reservesinitiallyrecognizedfor an identicalamountunderbalancesheet liabilities,representingcommitmentsto insuredparties(see Note 5.18). 244,872

405

Registration document 2017