BPCE_REGISTRATION_DOCUMENT_2017
FINANCIAL REPORT IFRS Consolidated Financial Statements of Groupe BPCE as at December 31, 2017
Breakdown of gross loans and receivables due from customers
12/31/2017
12/31/2016
in millionsof euros
Currentaccounts with overdrafts Loans tofinancial sectorcustomers
11,634
12,454
6,356
3,911
Short-term creditfacilities
65,553 150,713 322,188
61,216 146,060 302,434
Equipmentloans
Home loans Export loans
3,085
3,573
Repurchase agreements
50,467 16,281
44,857 16,057
Finance leases
Subordinated loans
585
601
Guaranteedeposits madefor theacceptanceof reinsurance treaties (1)
10,258 23,345 648,831 13,668
10,825 25,902 615,436 20,093
Other loans
Otherfacilitiesgranted to customers
Securities classified as loansand receivables Other loans and receivables due from customers
7,854
7,766
Impaired loansand receivables
22,918 704,905
23,427
TOTALGROSS LOANS ANDRECEIVABLESDUE FROMCUSTOMERS 679,176 Thesedepositsweremadewith CNP Assurancesin 2016under the reinsurancetreatycovering10%of CNP Assurances’total savingsdepositoutstandings.This cashdeposit is backedby technical (1) reservesinitiallyrecognizedfor an identicalamountunderbalancesheet liabilities,representingcommitmentsto insuredparties(see Note 5.18).
Breakdown of finance leases
12/31/2017
12/31/2016
5
Real estate Non-real estate
Total
Real estate Non-real estate
Total
in millions of euros Performing loans
7,607
8,674 16,281
7,995
8,062 16,057
Impaired loanoutstandings (1)
513
318 (94)
831
135 (85)
233
368
Impairment
(145)
(239)
(109)
(194)
TOTALLOANOUTSTANDINGSON FINANCE LEASES
7,975 8,186 16,231 At December 31,2017, impairedoutstandingsincludeall positionswith defaultingcounterparties,even thoughGroupeBPCEowns the assetssubjectto the contracts.At December 31,2016 they (1) only includedunpaidamountsin respectof counterpartiesin default. 8,898 16,873 8,045
HELD-TO-MATURITY FINANCIAL ASSETS 5.7 These are non-derivative financial assets with fixed or determinable paymentsthat the Group has an intention and ability to hold to maturity.
12/31/2017
12/31/2016
in millionsof euros
Treasury billsand equivalent
5,451 2,385 7,836
6,645 2,840 9,485
Bondsand other fixed-income securities
Gross amountof held-to-maturityfinancialassets
Impairment
(2)
(2)
TOTALHELD-TO-MATURITYFINANCIALASSETS
7,834
9,483
The fair valueof held-to-maturity assets is presented inNote 15. Available-for-saleassets held by the insurance companies controlled by Groupe BPCE amounted to
€ 2,655 million at December 31, 2017 and
€ 2,890million at December31, 2016.
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Registration document 2017
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