2012 Registration document and annual financial report - BNP Paribas

CONSOLIDATED FINANCIAL STATEMENTS - YEAR ENDED 31 DECEMBER 2012Notes to the financial statements4Provisions for regulated savings product risks➤ DEPOSITS, LOANS AND SAVINGSIn millions of euros 31 December 2012 31 December 2011Deposits collected under home savings accounts and plans 14,946 14,699of which deposits collected under home savings plans 12,076 11,846Aged more than 10 years 5,374 5,897Aged between 4 and 10 years 4,491 3,290Aged less than 4 years 2,211 2,659Outstanding loans granted under home savings accounts and plans 379 438of which loans granted under home savings plans 76 96Provisions and discount recognised for home savings accounts and plans 152 243of which discount recognised for home savings accounts and plans 10 10of which provisions recognised for home savings accounts and plans 142 233of which provisions recognised for plans aged more than 10 years 65 65of which provisions recognised for plans aged between 4 and 10 years 28 91of which provisions recognised for plans aged less than 4 years 31 68of which provisions recognised for home savings accounts 18 94➤ CHANGE IN PROVISIONSIn millions of eurosProvisions recognised -home savings plansYear to 31 Dec. 2012 Year to 31 Dec. 2011Provisions recognised -home savings accountsProvisions recognised -home savings plansProvisions recognised -home savings accountsTOTAL PROVISIONS AT START OFPERIOD 224 19 203 23Additions to provisions duringthe period - 9 21 -Provision reversals during theperiod (100) - - (4)TOTAL PROVISIONS AT END OFPERIOD 124 28 224 19The reversal recognised in 2012 was due primarily to a revision of the provision calculation model and, in particular, the method of determining thereference rates, which has been adapted to take account of current liquidity pricing conditions for products offered to individual customers (see note 1.c.2).2012 Registration document and annual financial report - BNP PARIBAS 163