Financial key figures

Groupe Crédit Foncier activity

(in €m) 1st half 2017 1st half 2016
Loan production (management data) 5,815 4,281
Individuals (1) 4,528 3,161
Corporates 1,288 1,119
Public sector 209 260
Private sector (2) 1,079 860
Covered bonds issuances (obligations foncières) (3) 3,671 3,681


(1) Including loans issued by Banco Primus totalling €43m at June 30, 2016 and €46m at June 30, 2017
(2) Including loans issued by SOCFIM totalling €657m at June 30, 2016 and €731m at June 30, 2017
(3) Excluding buy-back

 

(in €m) 06/30/2017 12/31/2016 (2)
Gross securities and receivables (1) 87,868 92,532
Individuals 45,597 46,402
Corporates 42,271 46,130
Public sector 36,737 40,405
Private sector 5,534 5,725
Assets managed for third parties 5,841 5,763


(1) Management data under IFRS 7
(2) Public-private partnerships were reclassified as Public sector Corporates for 2016

 

Consolidated Financial data (IFRS)

(in €m) 06/30/2017 (Basel III) 12/31/2016 (Basel III)
Consolidated balance sheet
Balance sheet total 117,361 126,731
Consolidated equity – Group share 3,618 3,517
Regulatory capital 3,581 3,642
o/w basic regulatory capital 3,570 3,629
o/w  regulatory  core capital  (1) 2,880 2,911
Solvency ratio – standard approach (2) 11.5% 11.5%
Tier One ratio 11.4% 11.4%
Common Equity Tier One CET1 9.2% 9.2%


(1)  After deduction of perpetual subordinated debts
(2) Calculated through standard approach on the basis of regulatory capital requirements as disclosed in the Risk management report

 

(in €m) 1st half 2017 1st half 2016 (2)
Consolidated results
Net interest income (1) 366 401
Individuals 288 303
Private sector 40 34
Public sector 24 51
International sector 12 6
Holding companies 2 7
Gross operating income 88 126
Income before tax 40 71
Group share of net income 18 39


(1) The NBI breakdown by business line is presented in note 6 to the consolidated financial statements for the first half of 2017 and in note 6 to the consolidated financial statements for the first half of 2016, “Segment reporting”.
(2) The financial statements at June 30, 2016 have been restated to take into account the impact of the early adoption in 2016 of IFRS 9 on financial liabilities designated at fair value through profit or loss.