NOTE 15 Provisions (in thousands of euros) Balance at 31/12/2023 Allowances Write-backs Translation differences Other movements Balance at 31/12/2024 Provision deducted from assets Receivables due from customers 7,153 971 1,385 31 6,770 Investment securities 90 577 90 577 Financial fixed assets 0 0 0 TOTAL 7,243 1,548 1,475 31 0 7,347 Provisions classified under balance sheet liabilities Client-related risks 8,939 3,165 935 65 11,234 Employee commitments 5,308 777 594 5,491 Other allocated provisions 2,100 101 0 2,201 TOTAL 16,347 4,043 1,529 65 0 18,926 NOTE 16 Fund for general banking risks (in thousands of euros) 31/12/2024 31/12/2023 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 Revaluation difference Balance brought forward Regulated provisions Result Total equity Balance at 31/12/2023 34,953 83,047 0 208,284 0 64,673 390,957 Increase / reduction 0 Dividends paid in 2024 -45,840 -45,840 Appropriation of income for 2023 18,833 -18,833 0 Income for the year 2024 60,455 60,455 Balance at 31/12/2024 34,953 83,047 0 227,118 0 60,455 405,573 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 2,282,847 69,529 2,352,376 Receivables due from customers 3,111,244 59,085 204,388 181,881 3,556,598 Receivables represented by a security 98,316 33,560 153,247 285,123 Due to credit institutions 928,030 928,030 Amounts due to customers 5,226,357 234,873 4,137 5,465,367 CFM Indosuez Wealth Management 148
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