BPCE_REGISTRATION_DOCUMENT_2017
5 FINANCIAL REPORT
IFRS Consolidated Financial Statements of Groupe BPCE as at December 31, 2017
Total exposure to credit risk and counterparty risk 7.1.2 The statement below shows the credit and counterparty risk exposure for all Groupe BPCE financial assets. This exposure to credit risk (determinedwithout taking into account the impact of any unrecognizednetting or collateralagreements)and to counterpartyrisk is based on the carryingamount of the financial assets.
Net outstandings at 12/31/2017
Net outstandings at 12/31/2016
Performing loans
Non-performing loans
Impairments and provisions
in millionsof euros
Financial assetsat fair value throughprofit or loss (excluding variable-incomesecurities)
107,699
107,699
121,418
Hedgingderivatives
9,809
9,809
14,842
Available-for-salefinancial assets(excluding variable-income securities)
89,877 92,061 671,798
173
(107)
89,943 92,061
86,725 96,665
Loans and receivablesdue from creditinstitutions Loans and receivablesdue from customers (1)
74
(74)
22,918
(11,777)
682,939
656,025
Held-to-maturity financial assets Other insurance-relatedassets
7,833 1,710
3
(2)
7,834 1,934
9,483 1,902
595 923
(371) (193)
Other debtors
16,831 997,618 160,211
17,561
14,648
Exposure to balancesheet commitments Exposure to off-balancesheet commitments
24,686
(12,524)
1,009,780 1,001,708
1,222
(299)
161,134
157,495
TOTALCREDIT AND COUNTERPARTY RISK EXPOSURE AT DECEMBER 31,2017 TOTALCREDIT AND COUNTERPARTY RISK EXPOSURE AT DECEMBER 31, 2016
1,157,829
25,908
(12,823)
1,170,914 1,159,203
1,145,730
26,773
(13,300)
1,159,203
Excludingdepositsof €10,190 millionwith CNP under the reinsurancetreaty. (1)
7.1.3
Impairment and provisions for credit risk
12/31/2017
01/01/2017
Charges
Reversals (1) Other changes (2)
in millions of euros
Available-for-salefinancial assets
83 73
30 10
(8) (5)
2
107
Interbanktransactions Customer transactions
(4)
74
12,278
3,590
(4,046)
(45)
11,777
Held-to-maturity financial assets
2
2
Other assetsrelatedto insurance activities
309 188
121
(58) (26)
(1)
371 193
Other debtors
25
6
Impairment lossesrecognizedin assets Provisions for loan and guarantee commitments
12,933
3,776
(4,143)
(42) (61) (86)
12,524
366 732
163 108 271
(169)
299 713
Other provisionsfor credit risk Provisionsfor liabilities
(41)
1,098
(210)
(147)
1,012
TOTALIMPAIRMENT AND PROVISIONS FOR CREDIT RISK
14,031
4,047
(4,353)
(189)
13,536
(1) (2)
Including€1,245 millionin reversalsof provisionsused. Otherchangesmainlyconcernforeignexchangerate adjustments.
Credit risk mitigation mechanisms: assets obtained by taking possession of collateral 7.1.4 The followingstatementshows by type the carryingamount of assets (securities,buildings,
etc.) obtainedduring the period by taking possession
of collateral or other forms of credit enhancement.
Fiscal year 2017
Fiscal year 2016
in millionsof euros
Non-current assetsavailable for sale
1 1
Investmentproperty
1
Equity and debt instruments
76 38
Other
39 40
TOTALASSETS OBTAINEDBY TAKING POSSESSIONOF COLLATERAL
117
306
Registration document 2017
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