DUE TO CREDIT INSTITUTIONS AND CUSTOMERS, BY REMAINING TERM 31/12/2024 (in thousands of euros) ≤ 3 months > 3 months to ≤ 1 year > 1 year to ≤ 5 years > 5 years Indefinite Total Amounts owed to credit institutions (including internal Crédit Agricole transactions) 928,383 928,383 Due to customers 5,227,160 236,480 4,195 5,467,835 Total amounts owed to credit institutions and customers 6,155,543 236,480 4,195 6,396,218 31/12/2023 (in thousands of euros) ≤ 3 months > 3 months to ≤ 1 year > 1 year to ≤ 5 years > 5 years Indefinite Total Amounts owed to credit institutions (including internal Crédit Agricole transactions) 949,457 6 949,463 Due to customers 5,681,992 445,155 6,127,147 Total amounts owed to credit institutions and customers 6,631,449 445,161 7,076,610 DEBT SECURITIES AND SUBORDINATED DEBT N/A FINANCIAL GUARANTEES GIVEN, AT RISK OF BEING CALLED, BY EXPECTED MATURITY N/A 3.5 HEDGE ACCOUNTING (See Note 3.3 “Market risk” and the “Risk Factors – Asset/Liability Management” section of the Crédit Agricole S.A. Universal Registration Document) FAIR VALUE HEDGES A fair value hedge modifies the risk due to changes in the fair value of a fixed-rate financial instrument caused by changes in interest rates. Fair value hedges transform fixed-rate assets or liabilities into floating-rate assets or liabilities. Items hedged are principally fixedrate loans, securities, deposits and subordinated debt. CASH FLOW HEDGES A cash flow hedge modifies the risk inherent in the variability in cash flow arising from floating-rate financial instruments. Items hedged are principally floating-rate loans and deposits. HEDGE OF A NET INVESTMENT IN FOREIGN CURRENCY A hedge of a net investment in foreign currency modifies the risk inherent in exchange rate fluctuations related to investments in foreign operations. CFM Indosuez Wealth Management 106
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