La banque d'un monde qui change 2004 - BNP Paribas

NOTE 15CUSTOMER DEPOSITS, RETAIL CERTIFICATES OF DEPOSITAND NEGOTIABLE CERTIFICATES OF DEPOSITIn millions of euros, at 31 December 2004 2003 2002Customer deposits:Demand accounts 84,292 69,464 70,950Time accounts 72,341 68,899 72,150Regulated savings accounts 39,712 36,622 31,113Repurchase agreements:Securities given under repurchase agreements 41,345 35,475 20,819Bills sold outright or under repurchase agreements 22 161 537Total securities and bills sold outright or under repurchase agreements 41,367 35,636 21,356Total customer deposits 237,712 210,621 195,569Bonds and negotiable short-term debt instruments:Negotiable certificates of deposit 83,844 67,014 64,913Retail certificates of deposit 6,712 4,933 6,708Total bonds and negotiable short-term debt instruments 90,556 71,947 71,621Total customer deposits, negotiable certificates of depositand retail certificates of deposit 328,268 282,568 267,190Including accrued interest 578 648 968Regulated demand savings deposits, including savingscollected for investment, totalled EUR 20,763 million at31 December 2004 (EUR 18,272 million at 31 December 2003and EUR 14,515 million at 31 December 2002). Othercustomer demand deposits amounted to EUR 92,921 million at31 December 2004 (EUR 76,701 million at 31 December 2003and EUR 74,542 million at 31 December 2002).236BNP PARIBAS - ANNUAL REPORT 2004