BPCE - 2018 Registration document

FINANCIAL REPORT IFRS Consolidated Financial Statements of BPCE SA group as at December 31, 2018

Change in plan assets

Post-employment defined-benefit plans

Supplementary pension benefits and other

End-of-career awards

Fiscal year 2018

Fiscal year 2017

in millions of euros

Fair value of plan assets at start of year

798

176

974

847

Interest income

17 13

2

19 13

17

Plan participant contributions

141 (32)

Benefits paid

(29)

(5) (1) (4)

(34)

Other items recorded in income Changes recorded in income

(1) (3)

(2)

1

124

Revaluation adjustments – return on plan assets

(35)

4

(31)

32

Changes recognized directly in other comprehensive income not recyclable to income

(35)

4

(31)

32

Foreign exchange rate adjustments

10

10

(29)

Other changes

(10) 764

(2)

(12) 938

FAIR VALUE OF PLAN ASSETS AT END OF YEAR*

174

974

O/w €165 million in reimbursement rights included in retirement benefits and €29 million included in end-of-career benefits. *

Cost of defined-benefit pension plans and other long-term employee benefits Expenses for defined-benefit pension plans and other long-term employee benefits The various components of the charge recognized for defined-benefit plans and other long-term employee benefits are included under “Payroll costs”. 8.2.3

Amounts paid in cash to beneficiaries reduce the amount of provisions recorded to this end by an equivalent amount. A total of € 34 million was charged against pension plan assets. Returns on plan assets are calculated by applying the same discount rate as the one applied to gross liabilities. The difference between the actual return at the balance sheet date and this financial income is a revaluation difference recorded in equity for post-employment benefits.

5

Post-employment defined-benefit plans

Other long-term employee benefits

Fiscal year 2018

Fiscal year 2017

in millions of euros

Service cost

(31)

(75)

(106)

(41)

Net interest cost

(6) (4)

(1)

(7)

(8)

Other (o/w asset ceiling) Expense for the period

6

2

4

(41)

(70)

(111)

(45)

Benefits paid

23 13 36 (5)

58

81 13 94

73

Plan participant contributions

0

141 214 169

Change in provisions due to contributions

58

TOTAL

(12)

(17)

Gains and losses on defined-benefit plans recorded directly in other comprehensive income

Supplementary pension benefits and other

End-of-career awards

Fiscal year 2018

Fiscal year 2017

Revaluation adjustments at start of period Revaluation adjustments over the period

192 (32)

24

216 (61)

240 (18)

(29)

Adjustments to asset ceiling

11

11

(6)

REVALUATION ADJUSTMENTS AT END OF PERIOD

171

(5)

166

216

483

Registration document 2018

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