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« Large clientele of about 2 million customers (including 150,000 business customers) serviced out of 378 branches with excellent retail product offering, for which, however, the know-how contribution of Paris must have been significant. They are also offering private banking and asset management services in cooperation with their Swiss subsidiaries. « They are leaders in trade finance, assisted by their operations in Switzerland. They have corporate relations with the best local enterprises and they cross sell their retail services to their customers and their partners. 31th of December 2016 31th of December 2015 €mn % €mn % Individuals 319 33.0 374 39.6 Trade and finance 251 25.9 196 20.8 Agriculture and food industry 231 23.9 190 20.1 Telecommunication services 61 6.3 107 11.3 Transport services 47 4.9 2 0.2 Manufacturing 26 2.7 11 1.2 Chemical undustry 11 1.1 13 1.4 Construction 9 0.9 13 1.4 Transport vehicles trade 4 0.4 18 1.9 Gas and oil 4 0.4 12 1.3 Minning and metallurgy 3 0.3 3 0.3 Other 1 0.2 5 0.5 Total loans (before 967 100.0 944 100.0 provisions) The product mix in the loans portfolio that is not in delay is 81% business and 19% retail lending with business lending focusing in the agricultural sector. = Excellent funding mix with the majority being current accounts at low cost. 13 HOUSE_OVERSIGHT_026146