162 NOTE 16 Fund for general banking risks (in thousands of euros) 31/12/2021 31/12/2020 Fund for general banking risks 4,471 4,471 Balance sheet value 4,471 4,471 This amount covers the bank’s general, unidentified risks. The Fund for General Banking Risks is considered as equity under current banking regulations. NOTE 17 Changes in equity (before distribution and excluding the fund for general banking risks) (in thousands of euros) Share capital Additional paid-in capital and reserves Retained earnings Income Total equity Balance at 31/12/2019 34,953 83,047 160,483 57,069 335,552 Increase / reduction Dividends paid in 2020 Appropriation of income for 2019 57,069 -57,069 Income for the year 2020 20.361 20.361 Balance at 31/12/2020 34,953 83,047 217,552 20.361 355,913 Increase/reduction(1) 220 220 Dividends paid in 2021(2) -20,055 -11,615 -31,670 Appropriation of income for 2020 8,746 -8,746 Income for the year 2021 24,845 24,845 Balance at 31/12/2021 34,953 83,047 206,463 24,845 349,308 (1) In accordance with IFRIC recommendations, an adjustment has been made to the calculation of the provision for retirement benefits. Following the instructions received from the Group, this adjustment has been recorded as retained earnings (2) Additional distribution of dividends at the 12/2021 EGM for €20,055k NOTE 18 Breakdown of receivables and payables by residual maturity (in thousands of euros) Excluding receivables and accrued interest ≤ 3 months > 3 months ≤ 1 year > 1 year ≤ 5 years > 5 years Total Receivables due from credit institutions 1,412,693 1,412,693 Receivables due from customers 3,214,501 7,024 230,361 267,467 3,719,352 Receivables represented by a security 40,048 22,330 62,378 Due to credit institutions 80,401 2,654 83,055 Amounts due to customers 5,714,620 42,350 2,380 5,759,350
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