BPCE_REGISTRATION_DOCUMENT_2017

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

AMOUNTS DUE TO CREDIT INSTITUTIONS AND CUSTOMERS 5.15 These liabilities,which are not classifiedas financialliabilitiesat fair value through profit or loss, are carried at amortizedcost under “Amounts due to credit institutions” or “Amounts due to customers”.

Amounts due to credit institutions 5.15.1

12/31/2017

12/31/2016

in millionsof euros

Demand deposits

22,365

20,515

Repurchase agreements

4,841

5,305

Accrued interest

5

7

Amountsdue tocredit institutions– repayable on demand

27,211 80,313 14,466

25,827 76,325 11,215

Termdeposits and loans Repurchase agreements

Accrued interest

108

331

Amountsdue tocredit institutions– repayable at agreed maturity dates

94,887 122,098

87,871 113,698

TOTALAMOUNTS DUE TO CREDIT INSTITUTIONS

The fair valueof amountsdue to credit institutions is presented inNote 15. Amounts payable arising fromtransactionswith the networks totaled € 40,931million at December 31, 2017( € 38,099million at December 31, 2016).

Amounts due to customers 5.15.2

12/31/2017

12/31/2016

in millionsof euros

Currentaccounts with creditbalances

23,516

23,508

5

Livret A savingsaccounts

258 269

255 299

Regulated home savings products Other regulatedsavings accounts

1,745

1,616

Accrued interest

2

1

Regulatedsavings accounts Demand depositsand loans

2,274 8,455

2,171 8,143

Termaccountsand loans

19,535

19,448

Accrued interest

87

103

Othercustomer accounts

28,077 22,348 37,378

27,694 11,872 36,289

Demand

Term

Accrued interest

35

28

Repurchase agreements

59,761

48,189

Otheramounts dueto customers

2,346

2,335

TOTALAMOUNTS DUE TO CUSTOMERS

115,974

103,897

The fair valueof amountsdue to customers is presented in Note

15.

411

Registration document 2017