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Gecina

Quarterly Report Jul 17, 2017

1360_ir_2017-07-17_8535fc3c-9041-4088-a279-fecda4fdb6ad.pdf

Quarterly Report

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HALF YEAR REPORT

Content

01. Declaration by the responsible party
01
02. Key figures02
03.
3.1.
3.2.
Recurrent net income (Group share)
3.3.
Business Review
04
Historically active first half of the year: operational performances and
amicable business combination with Eurosic
05
in line with the Group's targets
08
Investments and sales
09
3.4.
3.5.
3.6.
3.7.
3.8.
3.9.
Project pipeline (€3.6 billion): two projects delivered
during the first half of the year in Paris and Lyon
10
Property portfolio: full consolidation of valuations
11
Financial structure
13
EPRA NNNAV 17
Strategy and outlook
18
Post-balance sheet events
18
3.10.EPRA reporting as at June 30, 2017
18
04.
Report of the Statutory Auditors
on the half year financial information for 2017
(Period from January 1, 2017 to June 30, 2017) 21
05.
5.1.
5.2.
5.3.
5.4.
5.5.
Consolidated financial statements 22
Consolidated statement of financial position 23
Consolidated statement of comprehensive income 25
Statement of changes in consolidated equity 26
Statement of consolidated cash flows 27
Notes to the consolidated financial statements 28
06.
6.1.
6.2.
Executive Management and Board of Directors 63
Executive Management
64
Board of Directors and Board of Directors' Committees
64
07.
7.1.
7.2.
7.3.
7.4.
Proposed Eurosic Acquisition 66
Overview of the proposed Eurosic Acquisition 67
Strategic interest of the proposed Eurosic Acquisition 71
Financing conditions for the proposed Eurosic Acquisition 72
Risks related to the Eurosic Acquisition project 73

Declaration by the responsible party Chapter 01

I certify that to my knowledge the complete accounts for the half year ended have been drawn up in accordance with current accounting practice and give a fair picture of the assets, financial situation and profits of the company and all companies included in the consolidation, and that the attached half-yearly activity report gives a true picture of the important events occurring during the first six months of the year, their impact on the accounts, the principal transactions between associated parties and a description of the principal risks and uncertainties for the remaining six months of the year.

Méka Brunel

Chief Executive Officer

Key figures Chapter 02

Change vs
In € million June 30, 2016 June 30, 2017 Dec. 31, 2016 June 30, 2016
Gross rental revenue -19.5% 240.6 540.0 298.8
Offices -8.3% 178.7 372.9 194.9
- Paris CBD - Offices +0.3% 53.5 106.8 53.3
- Paris CBD - Retail -4.1% 17.6 35.9 18.4
- Paris excluding CBD +1.3% 23.5 47.2 23.2
- Western Crescent - La Défense -20.6% 65.3 147.3 82.2
- Other +5.4% 18.8 35.7 17.8
Residential -4.1% 61.9 127.8 64.6
Healthcare and other -100.0% 0.0 39.4 39.4
Net recurring income(1) -22.8% 153.2 347.6 198.4
Net recurring income - Group share(1) -22.9% 152.7 347.4 198.0
Value in block of property holding(2) +2.3% 13,338 12,078 13,041
Offices +12.3% 10,185 9,434 9,066
- Paris CBD - Offices +8.5% 2,851 2,609 2,627
- Paris CBD - Retail +16.9% 1,412 1,298 1,209
- Paris excluding CBD +24.0% 1,365 1,218 1,101
- Western Crescent - La Défense +7.6% 3,567 3,399 3,314
- Other +21.4% 989 910 815
Residential +18.2% 3,153 2,644 2,666
Healthcare -100.0% 0 0 1,309
Net yield on property holding(3) -51 bp 4.19% 4.56% 4.70%
Data per share In € Change vs
June 30, 2016
June 30, 2017 Dec. 31, 2016 June 30, 2016
Net recurring income -22.0% €2.47 €5.52 €3.16
Net recurring income - Group share -22.1% €2.46 €5.52 €3.16
EPRA NNNAV(4) +18.2% €152.0 €132.1 €128.6
Net dividend - €5.2 -
Change vs
Number of shares June 30, 2016 June 30, 2017 Dec. 31, 2016 June 30, 2016
Number of shares comprising share capital +0.3% 63,434,640 63,434,640 63,262,222
Number of shares excluding treasury stocks -2.5% 61,237,012 63,062,096 62,833,038
Diluted number of shares excluding treasury stocks -2.9% 61,556,067 63,402,484 63,370,944
Average number of shares excluding treasury stocks -1.0% 62,055,134 62,959,735 62,713,386

(1) EBITDA less net financial expenses and recurring tax.

(2) See note 3.5. "Valuation of property holding".

(3) Like-for-like basis June 2017.

(4) See note 3.7 "Triple Net Asset Value".

Property holding appraisal by business

Répartition des loyers par zone géographique

Net recurring income – Group share (€ million)

LTV ratio

Schedule of authorized financing (1) (including unused credit lines and excluding commercial paper) (€ million)

(1) Financing schedule excluding a €1 billion credit facility undrawn at June 30, 2017 intended to finance the acquisition of Eurosic shares and OSRA.

Business Review Chapter 03

3.1. HISTORICALLY ACTIVE FIRST HALF OF THE YEAR:
OPERATIONAL PERFORMANCES AND AMICABLE BUSINESS
COMBINATION WITH EUROSIC 05
3.1.1.
Rental income in line with the Group's forecasts
and like-for-like growth confirmed 06
3.1.2.
Occupancy rate stable and still high 07
3.1.3.
Rental activity 07
3.2. RECURRENT NET INCOME (GROUP SHARE)
IN LINE WITH THE GROUP'S TARGETS 08
3.3. INVESTMENTS AND SALES 09
3.4. PROJECT PIPELINE (€3.6 BILLION): TWO PROJECTS DELIVERED
DURING THE FIRST HALF OF THE YEAR IN PARIS AND LYON
10
3.5. PROPERTY PORTFOLIO: FULL CONSOLIDATION OF VALUATIONS 11
3.6. FINANCIAL STRUCTURE 13
3.6.1.
Debt structure 13
3.6.2. Liquidity 14
3.6.3. Debt repayment schedule 15
3.6.4. Average cost of debt 15
3.6.5. Credit rating 15
3.6.6. Management of interest rate risk hedge 15
3.6.7.
Financial structure and banking covenants 16
3.6.8. Guarantees given 16
3.6.9. Early repayment in the event of a change of control 16
3.7. EPRA NNNAV 17
3.8. STRATEGY AND OUTLOOK 18
3.9. POST-BALANCE SHEET EVENTS 18
3.10. EPRA REPORTING AS AT JUNE 30, 2017 18
3.10.1. EPRA Earnings 19
3.10.2. EPRA NAV and EPRA NNNAV 19
3.10.3. EPRA Net Initial Yield and EPRA "topped-up" Net Initial Yield 19
3.10.4. EPRA vacancy rate 20
3.10.5. EPRA Cost Ratios 20
3.10.6. Capital Expenditure 20

3.1. HISTORICALLY ACTIVE FIRST HALF OF THE YEAR: OPERATIONAL PERFORMANCES AND AMICABLE BUSINESS COMBINATION WITH EUROSIC

Earnings for the first half of 2017 reflect the solid trends for the rental and investment markets in Paris, with EPRA triple net NAV up +15% over six months and +2.1% likefor-like growth in office rental income.

Alongside this, the positive trends on the Paris markets have supported the major letting successes finalized since the beginning of 2017, with nearly 95,000 sq.m already let, pre-let or renegotiated. These lettings have further strengthened Gecina's confidence in the outlook for growth over the coming years, particularly with its pipeline of projects that are under development.

These results also reflect a transition phase between the impact of the major volumes of sales and redevelopments carried out in 2016, which, as expected, explain the temporary contraction in recurrent net income for the first half of this year, and the future impacts that will be generated by Eurosic's acquisition and the deliveries of buildings that are currently under development. These significant scope effects, with a full impact over the first six months of this year, will have a relatively limited impact on the second six months. As a result, Gecina is able to confirm with confidence its 2017 target for recurrent net income, excluding the impact of both the healthcare sale and Eurosic's acquisition, to contract by -5% to -6%.

The first half of the year was also marked primarily by the proposed amicable business combination with Eurosic. This is a strategically structuring operation for the Group, enabling it to ramp up and accelerate the deployment of its strategy, in line with the ambitions announced at the start of the year. In addition to accelerating the portfolio rotation program, particularly through the sales programs for which processes are already underway, this operation will further strengthen the Group's exposure to the office real estate market's most central sectors, especially in Paris City. The combined structure will have a pipeline that is unrivalled in Europe, focused principally on the market's most buoyant sectors, offering increased visibility in terms of cash flow growth and value extraction. In the short term, this operation will have an accretive impact representing +10% per share on a full year basis.

In connection with the financing for this operation, Gecina has already refinanced part of the €2.5 billion bridge, which made it possible to finance the operation, through a bond issue in three tranches for a total of €1.5 billion, with an average maturity of 10 years and an average coupon of 1.3%. A €1 billion capital increase with subscription rights issue is also planned.

Alongside this operation, Gecina has remained active on the markets with a share buyback program that has now been closed, making it possible to buy back €224.5 million of securities at an average price of €121.8 per share. The Group has also finalized its acquisition of two office buildings in Paris' central business district and La Défense for a total of €141.5 million. In addition, Gecina has finalized sales of residential assets for €83 million, while a further €142 million of sales were subject to preliminary agreements at end-June 2017.

Since July 3, 2017, Gecina's teams have been working based on a new organizational framework. Two business units have been created for the office portfolio and the residential portfolio, with two executive directors recruited (Valérie Britay and Franck Lirzin respectively). This new organization will help build understanding of and improve the operational and financial performances of the portfolios concerned. Over the coming quarters, this new organization will also facilitate Eurosic's integration. The creation of a dedicated business unit for the residential division reflects Gecina's ambition to focus in priority on optimizing this portfolio's operational management and identifying opportunities for extracting value.

As a result of this reorganization, the composition of the executive committee has been redefined around the following seven executives:

  • Thibault Ancely, Executive Director Investments and Development
  • Valérie Britay, Executive Director Offices
  • Brigitte Cachon, Executive Director R&D, Public Relations and CSR
  • Nicolas Dutreuil, Executive Director Finance
  • Franck Lirzin, Executive Director Residential
  • Philippe Valade, General Secretary
  • Frédéric Vern, Executive Director Legal Affairs (from September 2017).

3.1.1. RENTAL INCOME IN LINE WITH THE GROUP'S FORECASTS AND LIKE-FOR-LIKE GROWTH CONFIRMED

On a current basis, the rental performance reported for the first half of 2017 reflects the full impact of the significant changes in scope from 2016 (sale of the healthcare portfolio, transfer of five buildings to the pipeline and sales of various office buildings). This base effect should not impact the second half of 2017.

Total gross rental income came to €240.6 million for the first half of 2017. Restated for the healthcare portfolio's sale, it is down -7.3% on a current basis and up +1.6% like-for-like.

Like-for-like, the first half of the year confirms the return to rental growth (+1.6%, i.e. +€3.3 million). This performance, driven primarily by the office portfolio, factors in the level of indexation, which is still low, but positive (+0.3%), a slightly positive level of reversion, and the letting of buildings that were partially or completely vacant in the first half of 2016.

On a current basis, the -7.3% contraction (excluding healthcare) is linked primarily to the offices and residential assets sold in 2016 (with an average premium of around +15% versus the latest appraisal values), as well as the launch of work to redevelop office buildings with strong potential for creating value when their current tenants leave. In 2016, Gecina incorporated seven new development projects into its pipeline, including five from within the Group's portfolio.

Over the period, the loss of rent resulting from the sales (excluding healthcare) carried out primarily in 2016 (Vinci-Rueil, Dassault-Suresnes, Bourse-Paris and residential properties on a vacant unit basis) represents a total of -€7.0 million. The building redevelopment projects launched, including Octant-Sextant in Levallois, 20 Ville-l'Évêque in Paris and Graviers-Neuilly in 2016, represent a loss of rent of around -€17.8 million, hence -€16.9 million including rental income from assets delivered in the first half. Recent acquisitions contributed as well for €1.7 million of rental income.

Change (%)
(In million euros) 06/30/2017 06/30/2016 Current basis Like-for-like
GROUP TOTAL 240.6 298.8 -19.5% +1.6%
Offices 178.7 194.9 -8.3% +2.1%
Traditional residential 54.8 57.5 -4.7% -0.1%
Student residences 7.1 7.0 +0.7% +0.7%
Healthcare and other 0.0 39.4 -100.0% n.a.

Offices: positive trends in the most central sectors

Like-for-like, rental income is up +2.1%, in line with the Group's expectations. This increase reflects the improvement in the financial occupancy rate, particularly with Pointe Métro 2 let to CREDIPAR and Le Cristallin to the Renault Group. This growth has also benefited from a slightly positive level of both indexation (+0.4%) and reversion. With this organic performance, against a backdrop of improvements in market rental conditions, the Group is able to confirm that the like-for-like change in office rental income is expected to be positive in 2017.

On a current basis, rental income from offices is down -8.3% in view of the impact of the changes in scope from 2016 (sales and redevelopments), while the impact of deliveries was still limited for the first half of this year.

Gross rental income – Offices Change (%)
(In million euros) 06/30/2017 06/30/2016 Current basis Like-for-like
Offices 178.7 194.9 -8.3% +2.1%
Paris City 94.6 94.9 -0.3% +1.0%
Paris CBD - Offices 53.5 53.3 +0.3% +3.4%
Paris CBD - Retail units 17.6 18.4 -4.1% -3.6%
Paris excl. CBD 23.5 23.2 +1.3% -1.4%
Western Crescent - La Défense 65.3 82.2 -20.6% +4.0%
Other 18.8 17.8 +5.4% +1.0%

3.1.2. OCCUPANCY RATE STABLE AND STILL HIGH

The average financial occupancy rate for the first half of 2017 came to 95.5% excluding healthcare, stable over six months and year-on-year. For offices, this rate shows a slight improvement thanks to the letting of certain assets that were previously vacant in Gennevilliers (Pointe Métro 2) and Boulogne (Le Cristallin) in particular.

Average financial occupancy rate 06/30/2017 06/30/2016
Offices 95.5% 95.4%
Diversification 95.5% 95.9%
Traditional residential 96.4% 97.1%
Student residences 90.1% 88.7%
GROUP TOTAL EXCLUDING HEALTHCARE 95.5% 95.5%
Healthcare - 100.0%
Reported Group total 95.5% 96.2%

Rental margin

The rental margin came to 92.0%, stable compared with the first half of 2016 (excluding the healthcare portfolio), with the contraction in the rental margin for the residential portfolio (-110 bp to 81.0%) offset by the increase in the rental margin for offices (+80 bp to 95.9%). This increase reflects the improved occupancy rate for offices and the optimization of certain cost items.

Group Offices Residential Healthcare
Rental margin for the first half of 2016 - reported 92.9% 95.1% 82.1% 99.0%
Rental margin for the first half of 2016 - excl. healthcare 92.0% - - -
Rental margin for the first half of 2017 92.0% 95.9% 81.0% n.a.

3.1.3. RENTAL ACTIVITY

Lettings ramped up since the start of the year

In line with the ambition mapped out by Gecina at the start of the year to accelerate its strategy's deployment, Gecina has secured a major volume of new lettings (lettings, relettings or renewals) since the start of the year, particularly with projects that are under development. Based on the portfolio of projects under development at end-2016, nearly 45% of the space has already been or is about to be pre-let, compared with just 22% at the end of 2016.

Gecina has let, relet or renegotiated nearly 95,000 sq.m of offices, representing €36.1 million of economic rent, reflecting both the positive trends on the Paris market and the Group's commitment to anticipating its letting challenges.

The 7 largest lettings (accounting for more than 85% of the total transactions achieved in H1-2017, with €31 million of rents) have been achieved on assets which valuations have been raised in average by +18% in the first half representing an increase of around +€169 million.

11,000 sq.m let in anticipation of a tenant departure scheduled for end-2017

Ahead of schedule, Gecina has let 11,000 sq.m of office space in the Le Valmy building in eastern Paris (Paris 20th) to an outstanding tenant almost nine months before it is due to be vacated, with a firm six-year period. Alongside this, Gecina has extended an existing lease with this tenant for over 5,000 sq.m of space in this same building.

Almost 9,000 sq.m of vacant space let in Saint-Ouen

Gecina has also signed a lease with a firm nine-year period with Caisse Régionale RSI Île-de-France for the Dock-en-Seine building in Saint-Ouen. The building will be fully occupied following this tenant's arrival at the start of 2018.

11,600 sq.m let to the Renault Group in Le Cristallin

In addition, Gecina has signed a lease with a firm 10-year period with the Renault Group for the 11,600 sq.m available in the Le Cristallin building, delivered in 2016. This letting represents the final stage in the redevelopment and value extraction process launched by Gecina for this building in 2014.

40% of the space let for 55 Amsterdam, delivered in the first half of 2017

On June 15, 2017, Gecina signed a six-year lease with an operator from the new economy for nearly 40% of the space in the 55 Amsterdam building, located in Paris' 8th arrondissement. Based on these transactions and the assumptions for letting the remaining space, Gecina now expects this operation's yield on delivery to be higher than the initial expectations for around 7.8%. This performance highlights the level of interest among tenants in a building that is aligned with the real estate industry's highest standards, as well as the positive rental market at the heart of Paris.

20 Ville-l'Évêque pre-let nine months before delivery in Paris' central business district

Gecina has signed a lease for a firm six-year period with an outstanding tenant for 20 rue de la Ville-l'Évêque at the heart of Paris' central business district (CBD), nine months before it is scheduled to be delivered.

81% of Octant Sextant (Levallois-Perret) pre-let almost one year before delivery

On July 11, Gecina signed a lease with a firm 10-year period with the Lagardère Group for 28,000 sq.m, representing 81% of this project's total space, almost one year before this project, currently under development, is due to be delivered.

3.2. RECURRENT NET INCOME (GROUP SHARE) IN LINE WITH THE GROUP'S TARGETS

Recurrent net income (Group share) is down –11% excluding the impact of the healthcare portfolio's sale (finalized on July 1, 2016), in line with the Group's expectations. This contraction primarily reflects the high volume of assets being transferred to the pipeline during 2016 (including Octant-Sextant in Levallois, 20 Ville-l'Évêque in Paris and Neuilly Graviers), as well as the impact of the properties sold in 2016, achieving a 15% premium versus the latest appraisal values (Rueil- Malmaison - Vinci, Suresnes- Dassault, Neuilly – Peretti and Paris-Bourse).

Since the first half's contraction in recurrent net income primarily reflects the changes in scope, mainly from the first half of 2016 and the start of the second half of 2016 (sales of office buildings and launch of redevelopment projects), as well as the finalization of the healthcare portfolio disposal (on July 1, 2016), this effect is not expected to be repeated over the second half of the year. Gecina is therefore confirming that recurrent net income in 2017, excluding the impact of Eurosic's integration and restated for the impact of the healthcare sale, is expected to contract by around -5% to -6%(1). This expected performance reflects the combined impact of underlying growth, which is expected to reach around +2% to +3%(2), and the start of redevelopment projects, which will be dilutive in the short term, but accretive when they are delivered, scheduled primarily for 2018 and 2019.

In million euros 06/30/2017 06/30/2016 Change (%)
Gross rental income 240.6 298.8 -19.5%
Net rental income 221.4 277.6 -20.2%
Services and other income (net) 1.6 1.0 +61.9%
Salaries and management costs (31.7) (31.3) +1.0%
EBITDA 191.4 247.3 -22.6%
Net financial expenses (36.6) (47.0) -22.1%
Recurrent gross income 154.7 200.2 -22.7%
Recurrent minority interests (0.5) (0.3) NS
Recurrent tax (1.6) (1.9) -16.1%
RECURRENT NET INCOME (GROUP SHARE) 152.7 198.0 -22.9%

(1) These objectives do not include assumptions for any sales or investments and may therefore be revised up or down depending on opportunities for investments and sales during the year.

(2) Including the impact of sales (excluding healthcare) in 2016, deliveries of assets in 2016 and 2017, and organic growth.

3.3. INVESTMENTS AND SALES

Historically active first half of the year in terms of investments

Proposed acquisition of Eurosic: €6.2 billion(1) real estate portfolio (86% offices)

On June 21, 2017, Gecina announced that it had received the support of Eurosic's six main shareholders (representing nearly 95% of the capital) under firm agreements signed to sell blocks and undertakings to tender securities for the public offer that will be submitted once the blocks have been acquired. The portfolio concerned by this transaction is made up primarily of offices (86%), with the majority located at the heart of Paris (59% of the office portfolio in Paris City and 24% elsewhere in the Paris Region).

This operation, in line with the Group's strategy, will make it possible to accelerate the portfolio rotation program (with a minimum of €1.2 billion of sales planned within 12 months), while also further strengthening the prospects for growth and value creation through an additional pipeline representing around €1 billion (at end-2016), located primarily in Paris.

Following the planned asset sales, with part already underway, the percentage of office properties within the combined structure will be increased to over 80% (versus 76% for Gecina on its own at June 30, 2017), while the percentage of offices at the heart of Paris City will be increased to over 60% (vs. 55% currently).

This operation will significantly improve Gecina's coverage of the heart of Paris, particularly in the key sectors represented by the 6th and 7th arrondissements, as well as the emerging districts in the 9th and 10th arrondissements.

This operation's financing is secured with a €2.5 billion bridge, which has been partially refinanced through bond issues for €1.5 billion (with an average coupon of 1.3% and an average maturity of 10 years). The rest will be refinanced through a capital increase with preferential subscription rights for €1.0 billion(2). This operation will also enable Gecina to accelerate its real estate portfolio rotation strategy, with a minimum of €1.2 billion of sales(3) expected to be completed within 12 months. As a result, the LTV ratio will be kept below 40%. A further €1 billion of sales could be considered depending on market conditions.

Two office buildings in the CBD and La Défense acquired since the start of the year

Since the start of the year, Gecina has also finalized its acquisition of two office buildings in key sectors for the Paris Region office market.

In this way, the Group acquired a building with nearly 5,000 sq.m on Rue de Courcelles in Paris' CBD for almost €63 million excluding duties. This building is adjacent to an asset with nearly 20,000 sq.m already owned by Gecina (Le Banville), opening up opportunities for extensive real estate synergies.

On July 4, Gecina also finalized its acquisition of a 10,500 sq.m office building in La Défense, based on an immediate net yield of around 5.7%, for €78.5 million. This building is fully let with a residual firm period of three years and is located in the ZAC Danton development zone, close to the T1&B buildings already owned by Gecina.

Share buyback program: 1.8 million securities for €224.5 million, with an average of €121.8 per share

During the first half of 2017, Gecina bought back its own securities in connection with its share buyback program, set up on February 24. This share buyback program was closed on June 21, after making it possible to acquire nearly 1.8 million shares for a total of €224.5 million, with an average of €121.8 per share. The program was therefore carried out for 75% of the maximum authorized amount of €300 million.

€83 million of residential sales finalized during the first half of 2017

During the first half of 2017, Gecina finalized €83 million of residential sales, with €72 million on a unit basis and €12 million on a block basis. The unit sales achieved an average premium of 32.2% compared with the latest appraisals.

At end-June 2017, €142 million of sales were also covered by preliminary agreements (with €122 million concerning residential properties, including €20 million on a unit basis), while preliminary agreements are currently being prepared for €13 million of sales.

(1) Based on the offer price of €51 per share, excluding the diversification portfolios sold to Batipart

(2) Under the authorizations approved at the General Meeting on April 26, 2017.

(3) Excluding the sale of Eurosic's diversification portfolio, sold to Batipart.

3.4. PROJECT PIPELINE (€3.6 BILLION): TWO PROJECTS DELIVERED DURING THE FIRST HALF OF THE YEAR IN PARIS AND LYON

Gecina delivered two office real estate projects during the first half of 2017 in Paris (55 Amsterdam) and Lyon (Gerland-Septen). These two buildings represent a combined total of over 32,000 sq.m of offices and almost 80% of their space has already been let.

Following the delivery of these two projects, the committed pipeline for operations under development represents nearly €1.4 billion (vs. €1.5 billion at end-2016), and is made up primarily of programs with delivery scheduled for 2018, with an expected yield on delivery of around 6.4%.

€1.4 billion of committed projects with deliveries expected primarily for 2018

Nearly half of this committed pipeline is located in Paris City, with more than 40% in the Western Crescent's best business sectors (Levallois, Neuilly and Issy-les Moulineaux), and the remaining 10% concerning the SKY 56 project in Lyon Part-Dieu. Following the deliveries of the 55 Amsterdam and Gerland-Septen buildings, with nearly 80% of their space let on average, Gecina's committed pipeline from end-June 2017 is expected to be pre-let for over 35% (in terms of space) taking into account the negotiations that are currently being finalized.

At end-June 2017, €355 million were still to be invested on committed projects, with €141 million in 2017, €189 million in 2018 and €25 million in 2019.

€0.70 billion of "certain" controlled projects over the short or medium term, exclusively in Paris' CBD

The "certain" controlled pipeline concerns the assets held by Gecina that are currently being vacated and for which a redevelopment project aligned with Gecina's investment criteria has been identified. These projects will therefore be launched over the coming half-year or full-year periods. These "certain" projects that have not yet been committed to represent a combined total of €0.70 billion. The "certain" controlled pipeline is now concentrated exclusively in Paris' CBD, through projects with indicative delivery dates from 2020 to 2021. The "controlled and certain" pipeline notably includes the project located on Avenue de la Grande Armée, with the current tenant (PSA Group) scheduled to leave at the end of 2017.

€1.55 billion of "probable" controlled projects over the longer term, with 87% in Paris City

The "probable" controlled pipeline covers the projects identified and owned by Gecina that may require pre-letting (for greenfield projects in peripheral locations within the Paris Region) or cases when tenant departures are not yet certain over the short term.

Total Pre
Delivery invest Already Still to Est. yield Exit yield Indicative letting
Projects Immostat sector date Space ment invested invest on cost on delivery prime rate Jun 30
(sq.m) (€M) (1) (€M) (2) (€M) (net) (Gecina est.) (BNPPRE) (%)
Levallois - Octant Sextant Western Crescent Q3-18 37,500 222 181 41 7.6% 81%
20 Ville-l'Évêque Paris CBD Q1-18 6,400 63 55 8 5.5% 100%
Paris – Guersant Paris non-CBD Q3-18 14,100 127 98 29 6.1%
Lyon Part Dieu - Sky 56 Lyon Q3-18 30,700 133 78 54 6.9% 83%
Paris – Ibox Paris non-CBD Q3-18 19,400 163 114 49 5.9%
Be Issy Western Crescent Q3-18 25,000 159 109 51 7.0%
Le France Paris non-CBD Q4-18 20,300 182 160 23 5.2%
Paris – Friedland Paris CBD Q2-19 2,000 23 17 6 5.7%
Neuilly – Graviers Western Crescent Q2-19 14,500 118 95 24 5.8%
Paris - 7. rue de Madrid Paris CBD Q3-19 10,500 109 64 45 6.4%
Total offices 180,400 1,301 973 327 6.3% 4.6% 3.8% 35%
Marseille – Mazenod Other regions Q3-17 3,700 14 14 1 6.7% na
Puteaux Valmy - Skylights Western Crescent Q3-17 4,000 21 21 1 6.4% na
Puteaux - Rose de Ch. Western Crescent Q3-18 7,400 43 17 26 6.9% na
Total student
residential
15,100 79 52 27 6.7% 5.0% na
TOTAL COMMITTED PROJECTS 195,500 1,380 1,025 355 6.4% 4.6% na
CONTROLLED AND CERTAIN 2020-2021 44,000 698 538 159 4.8% 3.9% 3.2%
CONTROLLED AND PROBABLE 2019-2024 208,547 1,554 691 863 6.9% 4.9% na
TOTAL PIPELINE 448,047 3,632 2,254 1,377 6.3% 4.6%

(1) Total investment for the committed pipeline = latest appraisal value from when the project started up + total build costs. For the controlled pipeline = latest appraisal to date + operation's estimated costs.

(2) Includes the value of plots and existing buildings for redevelopments.

3.5. PROPERTY PORTFOLIO: FULL CONSOLIDATION OF VALUATIONS

The Group's property portfolio is valued twice a year by independent appraisers. Assets are included in the like-for-like basis if they were in operation at December 31, 2016. Assets entering operation during the half-year are excluded from the like-for-like basis. The change in the value of these assets according to the Group's accounting standards over the last six months is as follows:

Breakdown by segment Block value
Change on current basis
Change on comparable basis
€ million 06/30/2017 06/30/2016 12/31/2016 June 2017
vs. Dec.
2016
June 2017
vs. June
2016
June 2017
vs. Dec.
2016
June 2017
vs. June
2016
Offices 10,185 9,066 9,434 +8.0% +12.3% +5.1% +6.6%
Paris City 5,629 4,937 5,125 +9.8% +14.0% +6.5% +8.2%
Paris CBD 4,264 3,836 3,907 +9.1% +11.2% +6.4% +8.2%
- Paris CBD - Offices 2,851 2,627 2,609 +9.3% +8.5% +5.2% +6.9%
- Paris CBD - Retail 1,412 1,209 1,298 +8.8% +16.9% +8.8% +10.5%
Paris excl. CBD 1,365 1,101 1,218 +12.1% +24.0% +6.5% +8.1%
Western Crescent - La Défense 3,567 3,314 3,399 +4.9% +7.6% +3.7% +5.3%
Other 989 815 910 +8.7% +21.4% +2.2% +2.5%
Residential 3,153 2,666 2,644 +19.2% +18.2% +23.0% +24.1%
Healthcare 0 1,309 0 +0.0% -100.0% n.a. n.a.
GROUP TOTAL 13,338 13,041 12,078 +10.4% +2.3% +8.7% +10.2%
TOTAL APPRAISED UNIT VALUE 13,807 13,772 12,788 +8.0% +0.3% +6.3% +7.8%

The property portfolio at June 30, 2017 was €13,338 million, an increase of €1,260 million over the six months.

The main items are the following:

  • A like-for-like scope representing €11,048 million, an increase of €887 million over the six months (or +8.7 %), including €12 million of costs and upgrade works completed during the half-year;
  • €367 million of delivered projects and an acquisition over the six months including €72 million of investment, with delivery of the office assets 55 Amsterdam in the 8th arrondissement of Paris and Septen in Lyon, and the acquisition of 145 rue de Courcelles in the 17th arrondissement of Paris;
  • €1,266 million of properties under development (including Octant/Sextant in Levallois-Perret, and Sky 56 in the 3rd arrondissement of Lyon), representing an investment of €98 million during the first half of 2017;
  • a head office book value of €61 million;
  • €56 million of land reserves;
  • €102 million of assets under the block sale process;
  • €439 million of assets under unit-by-unit sale as at June 30, 2017 out of which €54 million of units have been sold;

The breakdown of value by segment as at June 30, 2017 was as follows:

Values by asset class at June 30, 2017

The property portfolio value (block) rose by +10.4% on a current basis.

This rise is mainly due to the increase in value of the assets on a like-for-like basis (+€887 million including €12 million of investments) and of assets under development (+€204 million, of which €98 million of investments).

Like-for-like, the property portfolio value is up (+8.7%, or €887 million):

  • (i) The value of office properties appreciated during the half year (+5.1 % or +€411 million). Capitalization rates (net) dropped on all properties (down -22 bp to 4.39%).
  • (ii) The residential property portfolio value rose sharply during the half year in line with the market and investor appetite for this asset class: the value of traditional residential properties

appreciated during the year by +25.6% or €475 million and the value of student residences appreciated by +0.8% or €2 million. Unit valuations increased by +10.1%.

The value per square meter of traditional residential properties stood at €6,010/sq.m as at June 30, 2017 with a capitalization rate (net) of 3.40%. The value per square meter of student residences was €4,390/sq.m with a capitalization rate (net) of 5.02%;

Net yield (including duties) Net capitalization rates (excluding duties)
€ million 06/30/2017 12/31/2016 Change 06/30/2017 12/31/2016 Change
Offices 4.12% 4.34% -22pb 4.39% 4.61% -22pb
Paris CBD 3.37% 3.57% -20pb 3.59% 3.80% -21pb
- Paris CBD - Offices 3.98% 4.16% -18pb 4.24% 4.42% -19pb
- Paris CBD - Retail 2.25% 2.44% -19pb 2.42% 2.63% -21pb
Paris excl. CBD 5.41% 5.87% -46pb 5.81% 6.31% -50pb
Western Crescent - La Défense 4.43% 4.61% -18pb 4.72% 4.91% -18pb
Other 5.70% 5.81% -11pb 5.98% 6.10% -12pb
Residential 3.32% 4.10% -78pb 3.54% 4.37% -83pb
TOTAL LIKE-FOR-LIKE BASIS 3.94% 4.29% -35pb 4.19% 4.56% -37pb

On a current basis:

  • (i) Two office assets were delivered in the first half of 2017 and one asset acquired for a total value of €367 million at June 30, 2017 (+€155 million for a capex amount of €72 million) with 55 Amsterdam in the 8th arrondissement of Paris, 145 rue de Courcelles in the 17th arrondissement of Paris and Septen in the 3rd arrondissement of Lyon;
  • (ii) The balance sheet value of the pipeline as at June 30, 2017 increased by €204 million. This increase in value can be explained by works of €98 million;
  • (iii) One asset had been block sold for a sale price of €3 million and a value at December 31, 2016 of €2 million.
  • (iv) €72 million of apartments and car parks (€54 million in book value at December 31, 2016) were sold unit-by-unit in the first half of 2017.
  • (v) In addition, €102 million of assets are under a block sale process.

The analysis tables below indicate, by asset class, the range of discount rates used by the property appraisers to prepare the Discounted Cash Flow (DCF method) in their appraisals.

Sector-specific premium risks were determined with reference to the French Treasury's 10-year OAT (estimated at 0.80% at June 30, 2017).

Discount rate
June 2017
Specific risk premium
June 2017
OFFICES 3.25% - 11.50% 2.45% - 10.70%
Paris CBD 3.25% - 5.50% 2.45% - 4.70%
Paris excl. CBD 4.00% - 8.75% 3.20% - 7.95%
Western Crescent - La Défense 4.00% - 6.75% 3.20% - 5.95%
Other 3.80% - 11.50% 3.00% - 10.70%

In accordance with the EPRA guidelines(1), the table below presents the reconciliation between the book value of buildings on the balance sheet and the total appraisal value of the property portfolio:

June 30, 2017 (€ million)
Book value 13,338
Transaction costs 0
Book value before transaction costs 13,338
Operating properties (head office) 109
Under development projects booked at
their historic cost
0
APPRAISAL VALUE 13,447

3.6. FINANCIAL STRUCTURE

In continuity with fiscal year 2016, the first half of 2017 was marked by favorable market circumstances despite a certain volatility linked to political events in France and in Europe, as well as the attention paid to changes in US and European monetary policy. In this environment, Gecina continued to improve the characteristics of its financial structure with a slight improvement in the average cost of debt and the main credit indicators, as well as maintaining significant flexibility.

The main highlights of the first half of 2017 are as follows:

  • The completion of the renewal project for the corporate lines maturing in 2017 and 2018 for a total amount of €980 million;
  • The repayment of a €19 million bank loan;
  • As part of the business combination with Eurosic, the issue on June 30, 2017 of €1.5 billion of bonds in three tranches: €500 million at five years at Euribor three months + 38 basis points, €500 million at 10 years at 1.375% and €500 million at 15 years at 2.0%.

These issues have significantly lengthened the average maturity of the Group's debt, from 6.7 years at year-end 2016 to 8.6 years at June 30, 2017.

In order to secure financing for the business combination with Eurosic, Gecina arranged for a €2.5 billion bridge facility, which rose to €1 billion after the bond issues at the end of June. The balance of the bridge (not drawn at June 30, 2017) will be refinanced by a €1 billion capital increase.

The main covenants are at 29.3% for the LTV excluding duties (-10 bp compared to December 31, 2016) 5.0 x for the ICR (+0.1 x compared to 2016) and 5.8% of secured debt (-70 bp compared to December 31, 2016).

At June 30, 2017, 78% of the debt is fixed rate or hedged by rate hedging instruments. The average maturity of hedges is 7.7 years.

In addition, total liquidity was €5,381 million and mainly covers credit maturities for the next 24 months as well as financing needs linked to the business combination with Eurosic.

3.6.1. DEBT STRUCTURE

Net financial debt amounted to €3,936 million at June 30, 2017, up €354 million compared to year-end 2016. This change is due to the share buyback program launched at the end of February and ended in June 2017 (€224.5 million) as well as the investments as part of the project pipeline and the asset rotation.

The volume of gross debt includes €1,500 million in income from the bond issue for financing the business combination with Eurosic.

The main characteristics of the debt are:

12/31/2016 06/30/2017
Gross financial debt (€ million) (1) 3,640 5,592
Net financial debt (€ million) 3,582 3,936
Gross nominal debt (€ million) (1) 3,616 5,601
Unused credit lines (€ million) (2) 2,245 2,725
Average maturity of debt (years, adjusted for available credit lines) 6.7 8.6
LTV 29.4% 29.3%
LTV (including transfer taxes) 27.7% 27.6%
ICR 4.9x 5.0x
Secured debt/Properties 6.5% 5.8%

(1) gross financial debt = gross nominal debt + impact of the recognition of bonds at amortized cost + accrued interests not due.

(2) excluding the €1 billion bridge facility linked to the business combination with Eurosic.

Debt by type

Breakdown of gross nominal debt

At June 30, 2017, Gecina's gross nominal debt was €5,601 million and comprised:

  • €3,918 million of bonds issued under the EMTN (Euro Medium Term Note) program;
  • €770 million of bank loans, of which €740 million of mortgage financing and €30 million of corporate financing;

Breakdown of authorized financing (including €2,725 million of unused credit lines at 06/30/2017) excluding the bridge for the business combination with Eurosic

  • €43 million of financial leases;
  • €869 million of short term resources hedged by confirmed medium and long-term credit lines, including €759 million of commercial paper and €110 million of short term private placements.

3.6.2. LIQUIDITY

As at June 30, 2017, Gecina had €5,381 million available liquidity (€2,725 million in unused credit lines and €1,656 million in cash and €1 billion in bridge facility linked to the business combination with Eurosic), mainly covering all credit maturities for the next two years and the financing needs linked to the business combination with Eurosic.

During the first half of fiscal year 2017, Gecina completed the renewal of its corporate credit lines maturing in 2017-2018 for a total outstanding of €980 million (including €660 million for the first half of 2017 and 320 million in 2016) with an average initial maturity of 6.3 years.

In addition, Gecina updated its EMTN program with the AMF and changed it from €4 billion to €8 billion. Gecina also updated its commercial paper program with the Banque de France.

As part of the EMTN program, Gecina carried out a triple tranche bond issue of €1.5 billion. On June 30, 2017, the Group issued €500 million at Euribor + 38 basis points, maturity June 2022, €500 million at 1.375% maturity June 2027, kept at fixed rate, and €500 million at 2.0%, maturity June 2032, kept at fixed rate.

Gecina continues to use short term resources through the issue of commercial paper and private placements with short maturities: the outstanding at end of June 2017 was €869 million, compared to €355 million at the end of 2016. The average outstanding amount in the first half of 2017 was €628 million, compared with an average outstanding amount of €1,094 million in 2016.

Lastly, Gecina's loan maturities due in the next 24 months (€1,648 million) are mainly covered by €4,381 million in liquidity (unused credit lines and cash at June 30, 2017 of €1,656 million including €1,500 million of earnings linked to the bond issue, excluding the bridge facility set up to secure the business combination with Eurosic). The main goals of this liquidity are to cover upstream the refinancing of short-term maturities, to finance future investment projects, to offer the flexibility required to secure the best refinancing opportunities, and to meet the criteria of rating agencies.

3.6.3. DEBT REPAYMENT SCHEDULE

As at June 30, 2017, the average maturity of Gecina's debt is 8.6 years(1), compared to 6.7 years at December 31, 2016.

The chart below presents Gecina's debt maturity breakdown at June 30, 2017 (after allocation of unused credit lines):

All the credit maturities for the next four years were covered by unused credit lines as at June 30, 2017 or by cash. Furthermore, 89% of the debt has a maturity of more than five years.

3.6.4. AVERAGE COST OF DEBT

The average cost of drawn debt improved slightly to 1.6% in the first half of 2017, from 1.7% in 2016. Remaining at the very low level is due to the Group's continued financial strategy (credit rating, financial structure, hedging policy, loan repayment schedule, etc.) that has been implemented in a favorable market environment.

The average cost of overall debt also slightly improved, falling from 2.2% in 2016 to 2.1% in in the first half of 2017.

The chart below shows the change in average cost of Gecina's drawn debt since 2013:

Capitalized interest on development projects rose to €4.9 million in the first half of 2017.

■ Moody's kept its A3 rating and reviewed the outlook from stable to negative, waiting for the completion of the disposals program announced by the Group that aims to bring the

LTV below 40%.

3.6.5. CREDIT RATING

The Gecina group is monitored by both Moody's and Standard & Poor's. Following the announcement of the business combination with Eurosic:

■ Standard & Poor's maintained its BBB+ rating with positive outlook;

3.6.6. MANAGEMENT OF INTEREST RATE RISK HEDGE

In order to hedge the exposure to rate risk and to manage the change in the cost of debt, Gecina uses fixed-rate debt and derivative products (mainly caps and swaps).

Gecina continued to adjust and optimize its hedging policy in the first half of 2017 with the aim of:

  • maintaining an optimal hedging ratio;
  • securing the current favorable financing conditions for the long-term.

In addition, during the first half of 2017, Gecina strengthened its hedging by maintaining a fixed rate for a €1 billion bond issue with an average maturity of 12.5 years. At June 30, 2017, the average maturity of hedges (fixed-rate debt and derivative instruments) was 7.7 years compared to 7.3 years at December 31, 2016.

At June 30, 2017, 78% of the debt is fixed rate or hedged by rate hedging instruments.

Gecina's interest rate hedging policy is implemented mainly at Group level and on the long-term; it is not specifically assigned to certain loans. As a result, it does not meet the accounting definition of hedging instruments and the change in fair value is posted to the income statement.

Measuring interest rate risk

Based on the existing hedging portfolio, contractual conditions and existing debt at June 30, 2017, a 50 basis point increase in the interest rate would generate an additional expense in 2017 of €2.4 million. A 50 basis point fall in interest rates would result in a reduction in interest expense in 2017 of €2.4 million.

3.6.7. FINANCIAL STRUCTURE AND BANKING COVENANTS

Gecina's financial position as at June 30, 2017, meets all requirements that could affect the compensation conditions or early repayment clauses provided for in the various loan agreements.

The table below shows the status of the main financial ratios outlined in the loan agreements:

Benchmark standard 06/30/2017
LTV
Net debt/revalued block value of property holding (excluding duties) Maximum 55% 29.3%
ICR
EBITDA (excluding disposals)/net financial expenses Minimum 2.0x 5.0 x
Outstanding secured debt/revalued block value of property holding
(excluding duties)
Maximum 25% 5.8%
Revalued block value of property holding (excluding duties, € million) Minimum 6,000 / 8,000 13,447

The financial ratios shown above are the same as those used in the covenants included in all the Group's loan agreements.

At June 30, 2017, the LTV was 29.3% and remained stable compared to December 31, 2016 (29.4%). The ICR was up slightly to 5.0 x (4.9 x at December 31, 2016).

3.6.8. GUARANTEES GIVEN

The amount of gross nominal debt guaranteed by real sureties (i.e. mortgages, lender's liens, unregistered mortgages) amounted to €740 million at the end of June 2017, compared with €748 million at year-end 2016. Furthermore, outstanding nominal financial leases amounted to €43 million compared with €46 million at December 31, 2016.

Thus, as at June 30, 2017, the total amount of financing secured by mortgage-backed assets or leasing amounted to 5.8% of the total block value of the properties held, versus 6.5 % at 31 December, 2016, for an authorized maximum limit of 25% in the various loan agreements. This continued fall can be explained by agreements arriving at maturity, as well as the disposals or early repayments without renewal or the implementation of new agreements of this type.

3.6.9. EARLY REPAYMENT IN THE EVENT OF A CHANGE OF CONTROL

Some loan agreements to which Gecina is party and bonds issued by Gecina provide for mandatory early repayment and/ or cancellation of loans granted and/or a mandatory early repayment liability, if control of Gecina changes.

Based on a total amount of authorizations of €7,457 million as at June 30, 2017 (including drawn debt and available credit lines, excluding the bridge facility linked to the business combination with Eurosic), €2,835 million of bank debt and €3,918 million in bonds (falling due on April 11, 2019, May 30, 2023, July 30, 2021, June 17, 2024, January 20, 2025, January 30, 2029, June 30, 2022, June 30, 2027 and June 30, 2032) are affected by such a clause concerning a change of control of Gecina (in most of the cases, this change must result in a downgrading in the credit rating to "Non-Investment Grade" for this clause to be activated).

Regarding bond issues maturing in April 2019, July 2021, June 2022, May 2023, June 2024, January 2025, June 2027, January 2029 and June 2032, a change of control followed by the downgrading of Gecina's credit rating to Non-Investment Grade, not upgraded to Investment Grade within the next 120 days, may trigger the early repayment of the loan.

3.7. EPRA NNNAV

The EPRA NNNAV is calculated according to the EPRA recommendations(1). The calculation is based on the Group's shareholders' equity obtained from financial statements, which include the fair value by block, excluding duties, of investment properties, buildings under reconstruction and properties held for sale, as well as financial instruments.

The foregoing elements are restated of the Group's shareholders' equity to calculate EPRA NAV and EPRA NNNAV:

  • unrealized capital gains on buildings valued at their historic cost such as operating building and inventory buildings are calculated on the basis of block appraisal values excluding duties, determined by independent appraisers;
  • consideration of the deferred tax systems of companies not covered by the SIIC system;
  • the fair value of fixed-rate financial debts.

Registration fees are determined by taking into account the most appropriate mode of disposal of the asset: sale of the asset or company shares. When the sale of the company appears to be more advantageous than the sale of the asset, the resultant registration rights replace those deducted from the property appraisals.

The number of diluted shares includes the number of shares likely to be created through the exercise of equity instruments to be issued in the right conditions. The number of diluted shares does not include treasury shares.

The EPRA NNNAV amounted to €9,353.5 million as at June 30, 2017 or €152.0 per share fully diluted. EPRA NAV totaled €9,401.5 million as at June 30, 2017, or €152.7 per share.

The EPRA NNNAV by unit came to €157.8 per share as at June 30, 2017, compared with €141.9 per share as at December 31, 2016.

The table below, compliant with EPRA recommendations, presents the transition between the Group's shareholders' equity derived from financial statements and the EPRA NNNAV.

06/30/2017
12/31/2016
06/30/2016
€ million Amount/no.
of shares
€/share Amount/no.
of shares
€/share Amount/no.
of shares
€/share
Fully diluted number of shares 61,556,067 63,402,484 63,370,944
Shareholders' equity under IFRS 9,031 8,276 7,961
+ Amounts owed to shareholders 159.2 157.1
+ Impact of exercising stock options 15.6 17.7 35.2
DILUTED NAV 9,205 €149.6 8,294 €130.8 8,153
+ Fair value reporting of properties, if amortized cost
option is adopted
109.1 92.9 87.9
+ Transfer duties adjustment 66.8 68.9 71.4
- Fair value of financial instruments 20.1 29.5 62.5
= EPRA NAV 9,401 €152.7 8,485 €133.8 8,375 €132.2
+ Fair value of financial instruments (20.1) (29.5) (62.5)
+ Fair value of liabilities (27.9) (78.9) (165.2)
= EPRA NNNAV 9,354 €152.0 8,377 €132.1 8,147 €128.6

Growth in EPRA triple net NAV per share for the first half of 2017 came to +€19.9, with the following breakdown:

- Interim dividend: -€2.6
- Impact of recurrent net income: +€2.4
- Value adjustment on offices assets like-for-like: +€6.6
- Value adjustment on residential assets like-for-like: +€8.6
- Net value increase for 2017 acquisitions and pipeline (incl. deliveries): +€3.1
- Net capital gains from sales completed or underway: +€0.2
- Fair value adjustment on financial instruments & debt: +€1.0
- Accretion from share buyback program: +€0.9
- Other: -€0.3

3.8. STRATEGY AND OUTLOOK

2017 reflects Gecina's strong choices in terms of value extraction, particularly the sales of mature and non-strategic assets in 2016, as well as the launch of work to redevelop five previously occupied buildings in order to optimize its extraction of value creation potential. In view of the results achieved by Gecina over the first half of this year, the Group is able to confirm that recurrent net income, restated for the impact of the healthcare sale, is expected to contract by nearly -5% to -6% in 2017(1). This expected performance reflects the combined impact of underlying growth, which is expected to reach around +2% to +3%(2) including the impact of sales (excluding healthcare) and the start of work to redevelop buildings from the portfolio after they have been vacated.

3.9. POST-BALANCE SHEET EVENTS

On July 4, 2017, Gecina completed the acquisition in La Défense of an office building with a total area of 10,500 sq.m, on the basis of an immediate net yield in the order of 5.7%, for a value of €78.5 million excluding duties.

On July 11, 2017, Gecina signed a lease for a firm 10-year period with the Lagardère Active Group for 28,000 sq.m, representing nearly 81% of the rental space for the Octant-Sextant project in Levallois-Perret. This pre-letting has been secured nearly one year before the project, currently under development, is scheduled for delivery.

3.10. EPRA REPORTING AS AT JUNE 30, 2017

Gecina applies the EPRA(3) best practices recommendations regarding the indicators listed hereafter. Gecina has been a member of EPRA, the European Public Real Estate Association, since its creation in 1999. The EPRA best practice recommendations include, in particular, key performance indicators to make the financial statements of real estate companies listed in Europe more transparent and more comparable across Europe.

Gecina reports on all the EPRA indicators defined by the "Best Practices Recommendations" available on the EPRA website.

06/30/2017 06/30/2016 See Note
EPRA Earnings 143 190 3.10.1
EPRA Earnings per share €2.31 €3.03 3.10.1
EPRA NAV 9,401.5 8,375.1 3.7
EPRA NNNAV 9,353.5 8,147.4 3.7
EPRA Net Initial Yield 3.30% 3.64%* 3.10.3
EPRA « Topped-up » Net Initial Yield 3.72% 4.01%* 3.10.3
EPRA Vacancy Rate 4.5% 3.8% 3.10.4
EPRA Cost Ratio (including direct vacancy costs) 24.8% 20.2% 3.10.5
EPRA Cost Ratio (excluding direct vacancy costs) 23.4% 19.4% 3.10.5
EPRA Property related capex 181 125 3.10.6

* at December 31, 2016.

(3) European Public Real Estate Association.

(1) This target may be revised up or down depending on opportunities for investments and sales during the year. It does not include the impacts of the acquisition of Eurosic, which is underway.

(2) Including the impact of sales (excluding healthcare) in 2016, deliveries of assets in 2016 and 2017, and organic growth.

3.10.1. EPRA EARNINGS

The table below indicates the transition between the net recurring income disclosed by Gecina and the EPRA Earnings:

€'000 06/30/2017 06/30/2016
Gecina net recurring income 153,152 198,350
- IFRIC 21 (7,815) (7,304)
- Depreciations, net impairments and provisions (1,740) (835)
- Minority recurring income (455) (334)
+ Recurring income from equity-accounted investments 0 56
EPRA NET RECURRING INCOME 143,142 189,933
EPRA NET RECURRING INCOME PER SHARE €2.31 €3.03

3.10.2. EPRA NAV AND EPRA NNNAV

The calculation for the EPRA NNNAV is explained in Section 3.7. "EPRA NNNAV".

€/share 06/30/2017 06/30/2016
Diluted NAV €149.55 €128.66
EPRA NAV €152.73 €132.16
EPRA NNNAV €151.95 €128.57

3.10.3. EPRA NET INITIAL YIELD AND EPRA "TOPPED-UP" NET INITIAL YIELD

The table below indicates the transition between the yield rate disclosed by Gecina and the yield rates defined by EPRA:

% 06/30/2017 12/31/2016
GECINA NET YIELD (1) 4.19% 4.56%
Impact of estimated duties and costs -0.26% -0.27%
Impact of changes in scope -0.02% -0.06%
Impact of rent adjustments -0.62% -0.58%
EPRA NET INITIAL YIELD (2) 3.30% 3.64%
Excluding lease incentives +0.42% -0.37%
EPRA TOPPED-UP NET INITIAL YIELD (3) 3.72% 4.01%

(1) Like-for-like basis June 2017.

(2) The EPRA Net Initial Yield rate is defined as the annualized rental income, net of property operating expenses, after deducting rent adjustments, divided by the value of the portfolio, including duties.

(3) The EPRA "topped-up" Net Initial Yield rate is defined as the annualized rental income, net of property operating expenses, excluding lease incentives, divided by the value of the portfolio, including duties.

3.10.4. EPRA VACANCY RATE

The financial occupancy rate disclosed corresponds to (1 – EPRA vacancy rate).

% 06/30/2017 06/30/2016
Offices 4.5% 4.6%
Residential 3.6% 2.9%
Student residences 9.9% 11.3%
Healthcare n.a. 0%*
GROUP TOTAL 4.5% 3.8%

* Until July 1, 2016.

3.10.5. EPRA COST RATIOS

€'000/% 06/30/2017 06/30/2016
Property expenses (91,940) (99,535)
Overheads (32,011) (31,738)
Depreciation, net impairments and provisions (1,740) (835)
Recharges to tenants 65,324 71,399
Rental expenses recharged in gross rent 0 0
Other income covering G&A expenses 398 89
Share of costs from equity-accounted affiliates 0 0
Land-related expenses 386 408
EPRA COSTS (INCLUDING COST OF VACANCY) (A) (59,583) (60,212)
Cost of vacancy 3,483 2,440
EPRA COSTS (EXCLUDING COST OF VACANCY) (B) (56,100) (57,772)
Gross rental income less land-related expenses 240,208 298,434
Rental expenses recharged in gross rent 0 0
Share of rental income from equity-accounted affiliates 0 0
GROSS RENTAL INCOME (C) 240,208 298,434
EPRA COST RATIO (INCLUDING COST OF VACANCY) (A/C) 24.8% 20.2%
EPRA COST RATIO (EXCLUDING COST OF VACANCY) (B/C) 23.4% 19.4%

3.10.6. CAPITAL EXPENDITURE

€ million 06/30/2017
Acquisitions 63
Development (ground-up/green field/brown field) 106
Like-for-like portfolio 12
CAPITAL EXPENDITURE 181

Chapter 04

Report of the Statutory Auditors on the half year financial information for 2017 (Period from January 1, 2017 to June 30, 2017)

This is a free translation into English of the Statutory Auditors' review report issued in French and is provided solely for the convenience of English speaking readers. This report should be read in conjunction with, and construed in accordance with, French law and professional auditing standards applicable in France.

To the Shareholders,

In accordance with the engagement decided by your General Meeting and in application of article L. 451-1-2 III of the French Monetary and Financial Code (Code monétaire et financier), we have undertaken:

  • a limited review of the consolidated half year financial statements of Gecina, covering the period from January 1 to June 30, 2017, as attached to this report;
  • the verification of the information given in the half year activity report.

These half year consolidated financial statements have been established on the responsibility of the Board of Directors. Our role is to express an opinion on these financial statements based on our limited review.

I - Opinion on the consolidated financial statements

We conducted our limited review in accordance with the auditing standards applicable in France. A limited review consists essentially of interviews with senior managers in charge of the accounting and financial aspects and the implementation of analytical procedures. This work is less extensive than that required for an audit carried out according to the professional standards applicable in France. As a result, the assurance obtained through a limited review that the financial statements taken overall are free of any material misstatements, is a moderate assurance, which is lower than the assurance obtained through an audit. On the basis of our limited review, we have found no material misstatements likely to cast doubt on the fairness and sincerity of the half year consolidated financial statements with respect to the IFRS as adopted in the European Union, nor on the true and fair view they give of the assets and financial position at the end of the half year, and the earnings of the half year ended for the group constituted by the persons and entities included in the consolidation.

II - Specific verification

We have also verified the information given in the half year activity report commenting on the consolidated half year financial statements covered by our limited review. We have no matters to report as to its fair presentation and its consistency with the consolidated half-year financial statements.

Courbevoie and Neuilly-sur-Seine, July 17, 2017

The Statutory Auditors

Julien Marin-Pache Partner

Baptiste Kalasz Partner

Mazars PricewaterhouseCoopers Audit Jean-Pierre Bouchart

Partner

Consolidated financial statements Chapter 05

5.1. CONSOLIDATED STATEMENT OF FINANCIAL POSITION 23
5.2. CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME 25
5.3. STATEMENT OF CHANGES IN CONSOLIDATED EQUITY 26
5.4. STATEMENT OF CONSOLIDATED CASH FLOWS 27
5.5. NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
5.5.1.
Highlights 28
5.5.2. General principles of consolidation 29
5.5.3. Accounting methods 31
5.5.4. Management of financial and operational risks 37
5.5.5. Notes to the consolidated statement of financial position 38
5.5.6. Notes to the consolidated statement of comprehensive income 49
5.5.7.
Notes to the statement of consolidated cash flows 55
5.5.8. Segment reporting 57
5.5.9. Other information 59
28

5.1. CONSOLIDATED STATEMENT OF FINANCIAL POSITION

Assets

06/30/2017 12/31/2016 06/30/2016
€'000 Note Net Net Net
Non-current assets 12,800,066 11,546,893 11,257,082
Investment properties 5.5.5.1 11,669,226 10,430,624 10,635,815
Properties under reconstruction 5.5.5.1 1,053,036 1,038,680 539,216
Operating properties 5.5.5.1 60,783 61,139 61,485
Other tangible fixed assets 5.5.5.1 8,431 7,351 6,975
Intangible fixed assets 5.5.5.1 5,801 6,337 5,277
Financial fixed assets 5.5.5.2 2,789 2,762 2,945
Shares in equity-accounted companies 5.5.5.3 0 0 3,413
Non-current derivatives 5.5.5.12.2 0 0 1,956
Deferred tax assets 5.5.5.4 0 0 0
Current assets 2,436,501 798,779 760,293
Properties held for sale 5.5.5.5 554,593 547,406 495,565
Inventories 5.5.5.1 0 0 0
Accounts and notes receivable 5.5.5.6 121,177 105,949 107,808
Other receivables 5.5.5.7 83,983 67,673 125,366
Prepaid expenses 5.5.5.8 20,022 17,641 21,269
Current derivatives 5.5.5.12.2 609 1,537 4,070
Cash and cash equivalents 5.5.5.9 1,656,117 58,573 6,215
Assets classified as held for sale 5.5.5.10 0 0 1,311,099
TOTAL ASSETS 15,236,567 12,345,672 13,328,474

Consolidated financial statements Half year report 2017

Liabilities

€'000 Note 06/30/2017 12/31/2016 06/30/2016
Shareholders' equity 5.5.5.11 9,054,622 8,289,659 7,978,000
Share capital 475,760 475,760 474,467
Additional paid-in capital 1,910,693 1,910,693 1,897,183
Consolidated reserves linked to owners of the parent 5,344,950 5,076,063 5,069,699
Consolidated net income linked to owners of the parent 1,299,260 813,472 519,643
Shareholders' equity linked to owners of the parent 9,030,663 8,275,988 7,960,992
Non-controlling interests 23,959 13,671 17,008
Non-current liabilities 4,698,306 3,230,868 3,452,944
Non-current financial debt 5.5.5.12.1 4,636,832 3,158,817 3,357,151
Non-current derivatives 5.5.5.12.2 20,657 31,013 68,517
Deferred tax liabilities 5.5.5.4 0 0 0
Non-current provisions 5.5.5.13 40,817 41,038 27,276
Non-current tax and social security liabilities 5.5.5.16 0 0 0
Current liabilities 1,483,639 825,145 1,809,922
Current financial debt 5.5.5.12.1 955,484 481,604 1,313,232
Current derivatives 5.5.5.12.2 0 0 0
Security deposits 51,261 49,301 53,117
Trade payables 5.5.5.15 198,886 211,671 164,213
Current tax and social security liabilities 5.5.5.16 72,763 41,229 83,523
Other current liabilities 5.5.5.17 205,245 41,340 195,837
Liabilities classified as held for sale 5.5.5.18 0 0 87,608
TOTAL LIABILITIES AND EQUITY 15,236,567 12,345,672 13,328,474

5.2. CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME

€'000 Note 06/30/2017 06/30/2016
Gross rental income 5.5.6.1 240,594 259,480
Expenses non billed to tenants 5.5.6.2 (26,616) (27,738)
Net rental income 213,978 231,742
Services and other income (net) 5.5.6.3 1,603 911
Overheads 5.5.6.4 (32,011) (31,357)
EBITDA 183,570 201,296
Gains or losses on disposals 5.5.6.5 14,505 30,883
Change in value of properties 5.5.6.6 1,142,019 337,260
Depreciation 5.5.5.1 (2,216) (2,384)
Net impairments and provisions 5.5.5.13 476 1,486
Operating income 1,338,354 568,541
Financial interest (36,756) (47,547)
Financial revenues 114 1,310
Net financial expenses 5.5.6.7 (36,642) (46,237)
Financial impairment and amortization 5.5.5.2 0 0
Change in value of derivatives and debts 5.5.6.8 9,427 (36,541)
Net income from equity-accounted investments 5.5.5.3 0 56
Pre-tax income 1,311,139 485,819
Tax 5.5.6.9 (1,591) (1,675)
Net gains or losses from continued operations 1,309,548 484,144
Net gains or losses from discontinued operations 5.5.6.10 0 36,934
CONSOLIDATED NET INCOME 1,309,548 521,078
Of which consolidated net income linked to non-controlling interests 10,288 1,435
Of which consolidated net income linked to owners of the parent 1,299,260 519,643
Consolidated net earnings per share 5.5.6.11 €20.94 €8.29
Consolidated diluted net earnings per share 5.5.6.11 €20.83 €8.22
€'000 06/30/2017 06/30/2016
Consolidated net income 1,309,548 521,078
Items not to be recycled in the net income 0 (490)
Actuarial gains (losses) on post-retirement benefit obligations 0 (490)
Items to be recycled in the net income 148 (297)
Gains (losses) from translation differentials 148 (297)
Comprehensive income 1,309,696 520,290
Of which comprehensive income linked to non-controlling interests 10,288 1,435
Of which comprehensive income linked to owners of the parent 1,299,408 518,855

5.3. STATEMENT OF CHANGES IN CONSOLIDATED EQUITY

As at June 30, 2017, the capital was composed of 63,434,640 shares with a par value of €7.50 each.

Number of Share Additional
paid-in
capital and
consolidated
Shareholders'
equity (owners
Non
controlling
Total
shareholders'
€'000 (except for number of shares) shares capital reserves of the parent) interests equity
Balance at January 1, 2016 63,260,620 474,455 7,261,326 7,735,781 15,573 7,751,354
Interim dividend paid in 2016 (156,705) (156,705) (156,705)
Amounts owed to shareholders (157,079) (157,079) (157,079)
Assigned value of treasury shares (1) 19,367 19,367 19,367
Impact of share-based payments (2) 645 645 645
Actuarial gains (losses) on post-retirement
benefit obligations
(490) (490) (490)
Gains (losses) from translation differentials (297) (297) (297)
Group capital increase (3) 1,602 12 114 126 126
Net income at June 30, 2016 519,643 519,643 1,435 521,078
Balance at June 30, 2016 63,262,222 474,467 7,486,524 7,960,992 17,008 7,978,000
Interim dividend paid in 2016 (550) (550)
Assigned value of treasury shares (1) 5,785 5,785 5,785
Impact of share-based payments (2) 981 981 981
Actuarial gains (losses) on post-retirement
benefit obligations
(795) (795) (795)
Gains (losses) from translation differentials 71 71 71
Group capital increase (3) 172,418 1,293 13,640 14,933 14,933
Changes in consolidation scope 196 196 (196) 0
Net income at December 31, 2016 293,829 293,829 (2,591) 291,238
Balance at December 31, 2016 63,434,640 475,760 7,800,228 8,275,988 13,671 8,289,659
Interim dividend paid in 2017 (162,947) (162,947) (162,947)
Amounts owed to shareholders (159,216) (159,216) (159,216)
Assigned value of treasury shares (1) (223,501) (223,501) (223,501)
Impact of share-based payments (2) 928 928 928
Actuarial gains (losses) on post-retirement
benefit obligations
0 0 0
Gains (losses) from translation differentials 148 148 148
Group capital increase (3) 0 0 0
Changes in consolidation scope 0 0 0
Net income at June 30, 2017 1,299,260 1,299,260 10,288 1,309,548
Balance at June 30, 2017 63,434,640 475,760 8,554,903 9,030,663 23,959 9,054,622
(1) Treasury shares:
At June 30, 2017 At December 31, 2016 At June 30, 2016
€'000 (except for number of shares) Number of shares Net amount Number
of shares
Net amount Number
of shares
Net amount
Shares recorded as a deduction from shareholders'
equity
2,197,628 250,385 372,544 27,613 429,184 31,666
Treasury stock in % 3.46% 0.59% 0.68%

(2) Impact of benefits related to shares award plans (IFRS 2).

(3) Creation of shares linked to capital increase reserved for the Group's employees (33,511 shares in 2016 and 39,219 shares in 2015) and the exercise of share subscription options reserved for employees (140,509 shares in 2016 and 39,529 shares in 2015), and the definitive vesting as a result of the performance share award plan of December 13, 2013 (59,162 shares) and December 13, 2013 bis (8,340 shares).

5.4. STATEMENT OF CONSOLIDATED CASH FLOWS

In €'000 Note 06/30/2017 12/31/2016 06/30/2016
Consolidated net income (including non-controlling interests) 1,309,548 812,316 521,078
Net income from discontinued operating activities 0 32,371 36,934
Net income from continued operating activities 1,309,548 779,945 484,144
Net income from equity-accounted investments 0 (61) (56)
Net depreciations, impairments and provisions 1,740 18,930 898
Changes in fair value and premium and costs paid on the repurchased bonds 5.5.7.1. (1,151,446) (442,607) (300,719)
Calculated charges and income from stock options 928 1,626 645
Tax charges (including deferred tax) 5.5.6.9. 1,591 3,521 1,675
Current cash flow before tax 162,362 361,353 186,586
Capital gains and losses on disposals 5.5.6.5. (14,505) (50,669) (30,883)
Other calculated income and expenses (13,723) (18,026) (13,871)
Net financial expenses 5.5.6.7. 36,642 87,566 46,237
Net cash flow before cost of net debt and tax (A) 170,775 380,225 188,070
Tax paid (B) (1,736) (6,159) (1,925)
Change in operating working capital (C) 5.5.7.2. 34,346 (9,559) (42,469)
Cash flow from continued operating activities 203,385 364,507 143,677
Net cash flow from discontinued operating activities 0 41,062 37,170
NET CASH FLOW FROM OPERATING ACTIVITIES (D) = (A + B + C) 203,385 405,569 180,847
Acquisitions of tangible and intangible fixed assets 5.5.5.1.2. (183,790) (405,089) (125,564)
Disposals of tangible and intangible fixed assets 5.5.7.3. 79,658 471,521 320,408
Impact of changes in consolidation 5.5.7.4. 0 1,222,547 0
Dividends received (equity-accounted affiliates, non-consolidated securities) 0 215 215
Changes in loans and agreed credit lines (27) (3,700) (60)
Other cash flows from investing activities (1,893) (7,046) (1,455)
Change in working capital from investing activities 5.5.7.5. (29,096) (170,239) (211,847)
Net financing cash flow from continued operating activities (135,148) 1,108,210 (18,304)
Net financing cash flow from discontinued operating activities 0 (7,146) 1,293
NET CASH FLOW FROM INVESTING ACTIVITIES (E) (135,148) 1,101,064 (17,011)
Capital provided by non-controlling interests 0 0 0
Amounts received on the exercise of stock options and of the company savings
plans (PEE)
1,806 40,211 19,493
Purchases and sales of treasury shares (225,307) 0 0
Dividends paid to owners of the parent (162,595) (313,784) (156,693)
Dividends paid to non-controlling interests 0 (550) 0
New borrowings 5.5.7.7. 2,628,305 3,352,000 1,838,241
Repayment of borrowings 5.5.7.7. (660,065) (4,364,087) (1,885,042)
Net interests paid (53,768) (117,319) (90,405)
Other cash flows from financing activities 928 (86,831) 0
Net investment cash flow used by continued activities 1,529,306 (1,490,360) (274,406)
Net investment cash flow used by discontinued activities 0 (104,076) (25,051)
NET CASH FLOW FROM FINANCING ACTIVITIES (F) 1,529,306 (1,594,436) (299,457)
NET CHANGE IN CASH AND CASH EQUIVALENTS (D + E + F) 1,597,544 (87,802) (135,621)
Opening cash and cash equivalents 58,573 146,375 146,375
Closing cash and cash equivalents 1,656,117 58,573 10,753

5.5. NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

5.5.1. HIGHLIGHTS

Foreword

Gecina owns, manages and develops property holdings worth €13.3 billion at June 30, 2017, with 96% located in the Paris Region. The Group is building its business around France's leading office portfolio and a diversification division with residential assets and student residences. Gecina has put sustainable innovation at the heart of its strategy to create value, anticipate its customers' expectations and invest while respecting the environment, thanks to the dedication and expertise of its staff.

Gecina is a French real estate investment trust (SIIC) listed on Euronext Paris, and is part of the SBF 120, Euronext 100, FTSE4Good, DJSI Europe and World, Stoxx Global ESG Leaders and Vigeo indices. In line with its commitments to the community, Gecina has created a company foundation, which is focused on protecting the environment and supporting all forms of disability.

1 st half 2017

On January 6, 2017, Gecina announced that it had signed a 10-year lease with the Renault Group regarding the entire "Le Cristallin" building (11,600 sq.m), located in Boulogne-Billancourt, with availability of the space from February 1, 2017.

Gecina's Board of Directors, chaired by Mr. Bernard Michel, met on January 6, 2017, decided to appoint Mrs Méka Brunel as Gecina's Chief Executive Officer, replacing Mr. Philippe Depoux. The Board ended the duties of Philippe Depoux as Chief Executive Officer.

On February 22, 2017, Gecina has signed a lease for a firm nine-year period, starting in the early 2018, with the Caisse Régionale RSI Ile-de-France social security agency for all the vacant space in the "Dock-en-Seine" building in Saint-Ouen, representing nearly 8,700 sq.m.

In the context of the implementation of its share buyback program, on decision of the Board of Directors of February 23, 2017, Gecina gave mandate to an independent investment services provider to purchase Gecina shares on its behalf, depending on market conditions, within the limit of a maximum of €300 million starting from February 24, 2017 and over a period of one year. On June 21, 2017, in accordance with the provisions agreed with its financial services provider, Gecina closed the share buyback program, which had allowed the acquisition of 1.8 million securities since February 24, 2017 for an amount of €224.5 million, i.e., an average of €121.8 per share.

On April 20, 2017, Gecina announced that it had signed a preliminary agreement to acquire an office building located at 145 rue de Courcelles, in the Parisian CBD, for €63 million excluding transfer taxes. This asset offers a strong complementarity with the adjacent building "Le Banville" already owned by Gecina, and thus opens up prospects of significant synergies between the two buildings in the future.

On April 25, 2017, Gecina signed a lease for a firm six-year period with an outstanding tenant, for 11,000 sq.m of space in the Le Valmy building located in the 20th arrondissement of Paris. Currently rented by the French Ministry of Finance, this space will be relet immediately following the current tenant's departure expected for end-2017, thereby proving Gecina's capacity and ambition to anticipate the Group's major rental challenges very early. Alongside this, the tenant, which already rented more than 5,000 sq.m in this building, has extended its commitment for this space, in line with this Group's plans to strengthen its presence at this site over the long term.

On May 2, 2017, Gecina signed with a leading tenant, a lease for a firm six-year period, for 20 rue de la Ville l'Évêque at the heart of the Parisian CBD, nine months prior to its delivery. The building, which has a total surface area of 6,400 sq. m, has been under reconstruction since the second quarter of 2016, and will be entirely leased after its scheduled delivery in the first quarter of 2018.

On June 15, 2017, Gecina signed a lease for a firm six-year period with a new web industry firm for nearly 40% of the 55 Amsterdam building, located in Paris in the 8th arrondissement. This next-generation building was delivered in the first quarter of 2017 following an ambitious redevelopment operation.

On June 21, 2017, Gecina announced, following the unanimous approval of its Board of Directors, its proposed acquisition of all the securities of Eurosic. This friendly operation between Gecina and Eurosic is supported by Eurosic's six main shareholders, representing 94.8% of its capital, under firm agreements signed to sell blocks of securities and undertakings to tender securities for the mandatory public offer that will be submitted once the blocks have been acquired. This acquisition is in line with the Group's total return strategy. Eurosic's integration will be facilitated by Gecina's new organization, which will be implemented starting from July.

After the announcement of the business combination with Eurosic, the rating agencies confirmed Gecina's high credit quality, with a rating of BBB+ / positive outlook from Standard and Poor's and A3 from Moody's with however, a change from stable outlook to negative outlook pending the completion of the announced divestment program aimed at bringing LTV below 40%.

On June 27, 2017, as part of its friendly business combination with Eurosic, Gecina successfully placed a bond issue with three tranches for a total amount of €1.5 billion, with an average coupon of 1.3% and average maturity of ten years. Gecina thus placed €500 million for five years (maturing in June 2022) with a variable coupon based on the 3 month Euribor + 38 bp (equivalent to a coupon of 0.5%), €500 million for 10 years (maturing June 2027) offering a coupon of 1.375% and €500 million for 15 years (maturing June 2032) offering a 2.0% coupon. These issues are effectively aligned with Gecina's overall financing strategy, enabling it to extend the average maturity of its debt, reduce its average cost and optimize its credit maturities, while combining short-term flexibility with longterm security.

5.5.2. GENERAL PRINCIPLES OF CONSOLIDATION

5.5.2.1. Reporting standards

The consolidated financial statements of Gecina and its subsidiaries ("the Group") are prepared in accordance with IFRS as adopted by the European Union on the balance sheet date.

The official standards and interpretations potentially applicable after the closing date (particularly IFRS 15 "Revenue from contracts with customers", IFRS 16 "Leases" and IFRS 9 "Financial instruments") were not applied early and should not have a significant impact on the financial statements.

The preparation of financial statements, in accordance with IFRS, requires the adoption of certain decisive accounting estimates. The Group is also required to exercise its judgment on the application of accounting principles. The areas with the most important issues in terms of judgment or complexity or those for which the assumptions and estimates are material in relation to the Consolidated financial statements are presented in Note 5.5.3.14.

Gecina applies the ethical code for French Real Estate Investment Trusts (SIIC) as established by the Fédération des Sociétés Immobilières et Foncières.

5.5.2.2. Consolidation methods

All companies, in which the Group holds direct or indirect exclusive control and companies in which Gecina exercises a notable or joint influence, are included in the scope of consolidation. The first group of companies are fully consolidated and the second group are consolidated using the equity method.

5.5.2.3. Scope of consolidation

At June 30, 2017, the scope of consolidation included the companies listed below.

Companies SIREN 06/30/2017%
interest
Method of
consolidation
12/31/2016
% interest
06/30/2016
% interest
Parent
Gecina 592 014 476 100.00% company 100.00% 100.00%
5, rue Montmartre 380 045 773 100.00% FC 100.00% 100.00%
55, rue d'Amsterdam 382 482 065 100.00% FC 100.00% 100.00%
Anthos 444 465 298 100.00% FC 100.00% 100.00%
Beaugrenelle 307 961 490 75.00% FC 75.00% 75.00%
Campusea 501 705 909 100.00% FC 100.00% 100.00%
Campusea Management 808 685 291 100.00% FC 100.00% 100.00%
Capucines 332 867 001 100.00% FC 100.00% 100.00%
Colvel Windsor 477 893 366 100.00% FC 100.00% 100.00%
GEC 10 529 783 649 100.00% FC 100.00% 100.00%
GEC 16 751 103 961 100.00% FC 100.00% 100.00%
GEC 18 799 089 982 60.00% FC 60.00% 60.00%
GEC 7 423 101 674 100.00% FC 100.00% 100.00%
Gecina Management 432 028 868 100.00% FC 100.00% 100.00%
Geciter 399 311 331 100.00% FC 100.00% 100.00%
Grande Halle de Gerland 538 796 772 100.00% FC 100.00% 100.00%
Haris 428 583 611 100.00% FC 100.00% 100.00%
Haris Investycje 100.00% FC 100.00% 100.00%
Khapa 444 465 017 100.00% FC 100.00% 100.00%

Consolidated financial statements Half year report 2017

Companies SIREN 06/30/2017%
interest
Method of
consolidation
12/31/2016
% interest
06/30/2016
% interest
Le Pyramidion Courbevoie 479 765 874 100.00% FC 100.00% 100.00%
Locare 328 921 432 100.00% FC 100.00% 100.00%
Marbeuf 751 139 163 100.00% FC 100.00% 100.00%
Michelet-Levallois 419 355 854 100.00% FC 100.00% 100.00%
Sadia 572 085 736 100.00% FC 100.00% 100.00%
Saint Augustin Marsollier 382 515 211 100.00% FC 100.00% 100.00%
Saulnier Square 530 843 663 100.00% FC 100.00% 100.00%
SCI Le France 792 846 123 100.00% FC 100.00% 100.00%
Société des Immeubles de France (Espagne) 100.00% FC 100.00% 100.00%
Société Hôtel d'Albe 542 091 806 100.00% FC 100.00% 100.00%
Société Immobilière et Commerciale de Banville 572 055 796 100.00% FC 100.00% 100.00%
SPIPM 572 098 465 100.00% FC 100.00% 100.00%
SPL Exploitation 751 103 961 100.00% FC 100.00% 100.00%
Tour City 2 803 982 750 100.00% FC 100.00% 100.00%
Tour Mirabeau 751 102 773 100.00% FC 100.00% 100.00%
JOINED CONSOLIDATION 2016
GEC 23 819 358 201 100.00% FC 100.00% 100.00%
Secondesk 823 741 939 100.00% FC 100.00%
LEFT CONSOLIDATION 2016
Gecimed 320 649 841 Sold FC Sold 100.00%
8, rue de Cheuvreul/Suresnes 352 295 547 Sold FC Sold 100.00%
Alouettes 64 443 734 629 Sold FC Sold 100.00%
Bordeaux K1 512 148 438 Sold FC Sold 100.00%
Eaubonne K1 512 148 974 Sold FC Sold 100.00%
Lyon K1 512 149 121 Sold FC Sold 100.00%
Suresnes K1 512 148 560 Sold FC Sold 100.00%
Clairval 489 924 035 Sold FC Sold 100.00%
Clos Saint-Jean 419 240 668 Sold FC Sold 100.00%
GEC 9 508 052 008 Sold FC Sold 100.00%
GEC 15 444 407 837 Sold FC Sold 100.00%
Hôpital Privé d'Annemassse 528 229 917 Sold FC Sold 100.00%
SCI Polyclinique Bayonne Adour 790 774 913 Sold FC Sold 100.00%
SCI Rhône Orange 794 514 968 Sold FC Sold 100.00%
SCIMAR 334 256 559 Sold FC Sold 100.00%
Tiers temps Aix les bains 418 018 172 Sold FC Sold 100.00%
Tiers temps Lyon 398 292 185 Sold FC Sold 100.00%
GEC 8 508 052 149 Merged FC Merged 100.00%
Dassault Suresnes 434 744 736 Merged FC Merged 100.00%
Labuire Aménagement 444 083 901 Liquidated EM Liquidated 59,70%

FC: full consolidation.

EM: accounted for under the equity method.

5.5.2.4. Consolidation adjustments and eliminations

5.5.2.4.1. Restatements to homogenize individual financial statements

The rules and methods applied by companies in the scope of consolidation are restated to make them consistent with those of the Group.

All the companies prepared an accounting statement as at June 30, 2017.

5.5.2.4.2. Intercompany transactions

Intercompany transactions and any profits on disposal resulting from transactions between consolidated companies are eliminated.

5.5.2.4.3. Business combinations (IFRS 3)

To determine if a transaction is a business combination placed under IFRS 3, the Group determines whether an integrated set of activities is acquired in addition to the real estate. The selected criteria may be the number of real estate assets held,

5.5.3. ACCOUNTING METHODS

5.5.3.1. Property holdings

5.5.3.1.1. Investment properties (IAS 40)

Properties held for the long term and intended to be leased under operating leases, and/or held for capital appreciation, are considered as investment properties.

On acquisition, investment properties are recorded on the balance sheet at cost, inclusive of duties and taxes.

The time spent by operational teams, directly attributable to disposals, rentals and development projects is monitored and priced, and then, as appropriate:

  • (i) reported under fixed assets for the portion spent on development projects, studies or marketing actions;
  • (ii) recognized under gains or losses on disposals if related to pre-sale activities.

The financial costs linked to construction operations as well as eviction allowances, paid in connection with property reconstructions, are capitalized.

Financial lease contracts are recognized as financial leases and recorded as assets on the balance sheet, and the corresponding borrowings are recorded as liabilities under financial debt. Accordingly, the fees are eliminated and the interest expense for financing and the fair value of the asset are recognized in accordance with the Group accounting principles, as if the Group were the owner. In the case of the acquisition of a financial lease contract, if the discrepancy between the fair value of the related debt and its nominal value represents a liability because of more favorable market conditions on the day of the acquisition, it is recorded in the balance sheet as a the scope of the processes acquired or the autonomy of the target. In this case, acquisition cost corresponds to the fair value on the date of exchange of the contributed assets and liabilities and the equity instruments issued in exchange for the acquired entity. Goodwill is recognized as an asset in respect of the surplus of the acquisition cost over the buyer's share of the fair value of the assets and liabilities acquired net of deferred tax recognized if necessary while an amount for negative goodwill is posted to the income statement. Costs directly attributable to the acquisition process are recognized under expenses. IAS 40 standard is applied (investment property) for acquisitions that do not fall under a business combination.

5.5.2.5. Foreign currency translation

The Group's operating currency is the euro. Transactions conducted by subsidiaries located outside the Eurozone are translated at the closing exchange rate for balance sheet items and at the average exchange rate over the period of the income statement. Exchange differentials recognized in the balance sheet at the beginning of the period and on earnings for the year are recorded on a separate line under shareholders' equity.

financial liability. This financial liability is recognized in income over the term of the contract and fully cleared through gain or loss in disposal if the contract is sold.

Gecina has opted for the valuation of its investment properties at fair value as defined by IFRS 13 (cf. Note 5.5.3.1.2). The company has elected, by convention, to retain the block value of properties as the fair value of investment properties in the consolidated financial statements. This block value excludes transfer duties and is determined by independent appraisers (as at June 30, 2017: CBRE Valuation, Cushman & Wakefield and Crédit Foncier Expertise), which value the Group portfolio on the assumption of a long-term holding at June 30 and December 31 of each year and which take into account capitalized construction work. Valuations are conducted in accordance with industry practices using fair value valuation methods to establish market value for each asset, pursuant to the professional real estate valuation charter. All Gecina assets are now appraised by independent appraisers.

The change in fair value of investment properties is recorded on the income statement. These properties are not therefore subject to depreciation or impairment. The income statement records the change in fair value of each property over the year determined as follows:

■ current market value – (prior year market value + cost of construction work and expenditure capitalized in the current year).

Investment properties in the course of renovation are recognized at fair value.

Properties under construction or acquired with the intention of reconstruction or in the process of being reconstructed are recognized at fair value where that value can be reliably measured. In cases where fair value cannot be reliably determined, the property is recognized at its last known value plus any costs capitalized during the period. At each balance sheet date, an impairment test is conducted to certify that the booked value does not require impairment. Impact is recognized at variation of fair value.

The fair value is determined by appraisers based on an evaluation of the property realizable value less all direct and indirect future development costs. The Group considers that a property in the process of construction can be reliably appraised at fair value when construction begins and when its marketing is advanced. Whatever the case, the fair value appraisal will be performed when the asset is protected from the rain.

Nevertheless, when the asset is already leased and the signature of works contracts has sufficiently progressed to allow a reliable estimate of the construction cost, the asset under development may then be recognized at fair value.

Valuation methodology

Each property asset is valued separately by an independent appraiser. However, the appraisers use the same valuation methods, described below. When appraising a property, real estate appraisers exclude transfer duties, taxes and fees. They thus comply with the position taken by the French professional body of property appraisers, Afrexim (1) and use the following rates:

  • 1.8% of legal fees for properties in VAT;
  • from 6.9% to 7.5% of registration fees and expenses for other properties.

The property is assessed at fair value, which corresponds to the price at which it could be sold between informed consenting parties operating under normal market conditions without reference to the financing conditions as at the valuation date. The value used in the consolidated financial statements is the value excluding transfer duties.

a) Office properties

The fair value of each asset is based on the results of the following three methods: through the comparison method, through capitalization of new income and discounting of future flows (DCF). The simple arithmetic mean of these three methods is used. In the event that a difference between the results of the three methods is 10% or more, the appraiser has the option of determining the more relevant valuation.

■ Direct comparison method: this method consists of comparing the asset that is the object of the appraisal to transactions made on assets equivalent in type and location, on dates close to the date of appraisal.

  • Capitalization of new income method: this method consists of capitalizing recorded or potential income on the basis of a yield expected by an investor for a similar type of asset. The income base is generally constituted either of net annual rent excluding taxes and rental charges or the market rent value. For occupied premises, the appraiser conducts an analysis of the legal and financial conditions of each lease and of the rental market. For vacant premises, the market rent value is used as a reference, taking account of re-letting delays, renovation work and other miscellaneous expenditure.
  • Discounted Cash Flow method: the value of the asset is equal to the discounted sum of the financial flows expected by the investor, including the assumed resale at the end of a 10-year holding period. The sale price at the end of the period is determined on the basis of the net cash flow in year 11 capitalized at yield. Discounted cash flow is determined on the basis of a risk-free interest rate (10-year government bond equivalent) plus an appropriate risk premium for the property determined in comparison with standard discounted rates on cash flow generated by similar assets.

b) Residential properties

The block fair value of each asset is determined from the results of the following two methods: direct comparison and capitalization of income. The simple arithmetic mean is used for the comparison and income capitalization methods. In the event that a difference between the results of the two methods is 10% or more, the appraiser has the option of determining the more relevant valuation.

  • Direct comparison method: this is identical to the method used for office properties.
  • Net income capitalization method: this is identical to the method used for office property applied to gross income pursuant to the recommendations of the French professional body of property appraisers, Afrexim (1).

c) Unit valuation for residential and mixed buildings

Unit valuation is used for buildings on sale by apartments (see Note 5.5.3.1.3.).

The unit value is determined from unit prices per square meter recorded on the market for vacant premises. The appraisal includes discounts to reflect marketing periods, costs and the margin earned on the sale of all the units. These discounts are differentiated according to the size of the property and number of units included. The estimated values of office units and commercial premises situated on the ground floor of buildings are then added based on both methods: direct comparison and net income capitalization.

For properties where the unit-by-unit sale process has been started, the valuation follows the same method, adjusting the allowances applied to the property's actual marketing situation.

(1) Association française des sociétés d'expertise immobilière.

5.5.3.1.2. Determination of fair value (IFRS 13)

The Group applies IFRS 13, which defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The standard establishes a fair value hierarchy that categorizes into three levels the data used for measurements:

  • level 1: price (not adjusted) on an active market for identical assets/liabilities available on the valuation date;
  • level 2: valuation model using inputs directly or indirectly observable in an active market;
  • level 3: valuation model using inputs not observable in an active market.

The fair value hierarchy is therefore established by reference to the levels of inputs to valuation techniques. When using a valuation technique based on inputs of several levels, the fair value level is then constrained by the lowest level.

Investment properties

The fair value measurement must consider the highest and best use of the asset. Gecina has not identified any high and best use different from the current use.

The fair value measurement of investment properties implies using different valuation methods based on unobservable or observable inputs that have been subject to certain adjustments. Accordingly, the Group's property holdings are considered, in their entirety, as categorized in level 3 with respect to the fair value hierarchy established by IFRS 13, notwithstanding the recognition of certain level 2 observable inputs.

Financial instruments

IFRS 13 requires the recognition of counterparty credit risk (i.e. the risk that a counterparty may breach any of its obligations) in measuring the fair value of financial assets and liabilities.

IFRS 13 retains the disclosure obligations on the 3-level fair value hierarchy of IFRS 7, which requires an entity to establish a difference between the fair values of financial assets and financial liabilities as a function of the observable nature of the inputs used to measure fair value.

As at June 30, 2017, the application of IFRS 13 by the Group does not challenge the fair value hierarchy of financial instruments, until then categorized as level 2 according to IFRS 7 (valuation model based on observable market inputs) to the extent that the adjustment for credit risk is considered as an observable input.

5.5.3.1.3. Assets held for sale (IFRS 5)

IFRS 5, "Non-recurring assets held for sale and discontinued operations", states that a non-recurring asset should be classified as held for sale as for it is a major line of activity if its carrying amount will be recovered principally through a sales transaction rather than through continuing use. In such cases, the sale should be highly probable.

The sale of an asset is thus highly probable if the following three conditions are met:

  • a plan to sell the asset has been initiated by an appropriate level of management;
  • the asset is being actively marketed at a reasonable price in relation to its current fair value;
  • it is probable that the sale will be concluded within one year barring special circumstances.

When the sale pertains to an asset or group of assets only, the assets held for sale are reported separately in the balance sheet under "Properties for sale" and measured at the lower of their carrying amount and fair value less costs to sell.

Buildings recorded in this category are valued as follows:

  • properties sold in block: sale value recorded in the sale agreement or in the purchase offer, subject to the deduction of expenses and fees necessary for their sale;
  • properties sold unit-by-unit: appraisal value in units (see Note 5.5.3.1.1.). If more than 60% (in value) of the property is sold, the asset is recognized at the fair value of the last recorded transactions for unsold units, after taking account of allowances linked to the achievement of all lots and at the sale value recorded in the preliminary agreement subject to the deduction of expenses and fees for units covered by a preliminary agreement.

When a sale concerns a complete business line, the consolidated assets and liabilities, booked as appropriate under subsidiaries held for sale, are presented separately on the asset side of the balance sheet (Assets held for sale) and on the liabilities side of the balance sheet (Liabilities held for sale). The corresponding net gain or loss is isolated in the income statement on the line "Net gain or loss from discontinued activities".

5.5.3.1.4. Operating properties and other property, plant and equipment (IAS 16)

The head office property at 16, rue des Capucines, Paris is valued at cost. It has been depreciated according to the component method, each component being depreciated on a straight-line basis over its useful life (10 to 60 years).

Other tangible fixed assets are recorded at cost and depreciated under the straight-line method for periods of three to ten years. They are primarily composed of computer hardware and furniture.

In the event of a sign of impairment, the book value of an asset is immediately written down to its recoverable value, which is determined by an independent appraisal conducted under the methods described in 5.5.3.1.1.

5.5.3.1.5. Intangible assets (IAS 38)

Intangible fixed assets correspond primarily to software.

The costs to purchase software licenses are recorded as an asset based on the costs incurred in acquiring and commissioning the software concerned. These costs are amortized over the estimated useful life of the software (three to five years).

5.5.3.2. Equity interests

5.5.3.2.1. Equity-accounted investments

Equity interests in companies in which the Group exercises joint control or significant influence are recorded on the balance sheet at the Group share of their net assets as at the reporting date adjusted to the Group's accounting principles. Adjustments are related to the harmonization of methods.

In the event where the Group's share in the negative equity of a company accounted for under the equity method were to exceed the book value of its investment, the Group considers its share to be nil and it ceases to recognize its share in upcoming losses, unless the Group is obliged or intends to financially support such investment.

5.5.3.2.2. Non-consolidated interests

Non-consolidated interests are valued at fair value pursuant to IAS 39. The changes in fair value are stated as equity until the date of disposal. For long-term impairment, underlying capital losses recognized in shareholders' equity are recorded as expenses.

5.5.3.2.3. Other financial investments

Loans, receivables and other financial instruments are booked according to the amortized cost method on the basis of an effective interest rate. When there is non-recoverability or default risk, this is recognized in the profit and loss statement.

5.5.3.3. Buildings in inventory

Buildings relating to real estate development operations or acquired under the tax system governing properties held for rapid resale by real-estate traders, legally designated as "marchands de biens", are booked under inventories at their acquisition cost. An impairment test is carried out as soon as any indication of impairment is detected. In the event of such an indication and when the estimated recoverable amount is lower than the carrying amount, an impairment loss is recognized based on the difference between those two amounts.

5.5.3.4. Operating receivables

Receivables are recorded for the initial amount of the invoice, after deduction for impairment valued on the basis of the risk of non-recoverability. The cost of non-recoverability risk is posted under property expenses.

Rent receivables are systematically written down according to the due date of the receivables and situation of the tenants.

An impairment rate is applied to the amount excluding tax of the receivable minus the security deposit.

  • tenant has left the property: 100 %
  • tenant in the property:
  • receivable between three and six months: 25%
  • receivable between six and nine months: 50 %
  • receivable between nine and 12 months: 75 %
  • over 12 months: 100%

Impairment thus determined is adjusted to take account of particular situations.

Receivables relating to the deferral of commercial benefits according to IAS 17 (see Note 5.5.3.13), and recognized by the difference between the economic rent and the paid rent, result in a specific analysis covering the ability of the tenant to go effectively to the end of the signed lease, in order to validate each time their basis is established.

5.5.3.5. Cash and cash equivalents

Cash and money-market UCITS are recorded on the balance sheet at fair value.

5.5.3.6. Treasury shares (IAS 32)

Treasury shares held by the Group are deducted from consolidated shareholders' equity at cost.

5.5.3.7. Share-based payments (IFRS 2)

Gecina has instituted an equity-based remuneration plan (stock options and performance shares). The impact of services rendered by employees in exchange for the award of options or the allocation of performance shares is expensed against shareholders' equity. The total amount expensed over the rights vesting period year is determined by reference to the fair value of equity instruments granted, the discounted value of future dividends paid over the vesting period and the staff turnover rate.

At each balance sheet date, the number of options that may be exercised is reviewed. Where applicable, the impact of revising estimates is posted to the income statement with a corresponding adjustment in shareholders' equity. Amounts received when options are exercised are credited to shareholders' equity, net of directly attributable transaction costs.

5.5.3.8. Financial Instruments (IAS 39)

IAS 39 distinguishes between two types of interest-rate hedge as follows:

  • hedging of balance sheet items whose fair value fluctuates with interest rates ("fair value hedge");
  • hedging of the risk of future cash flow changes ("cash flow hedge"), which consists of setting future cash flows of a variable-rate financial instrument.

Some derivative instruments attached to specific financing are classified as cash flow hedges pursuant to accounting regulations. Only the change in fair value of the effective portion of these derivatives, measured by prospective and retrospective effectiveness tests, is taken to shareholders' equity. The change in fair value of the ineffective portion of the hedge is posted to the income statement if material.

To a large extent, Gecina's interest rate hedging is covered by a portfolio of derivatives that are not specifically assigned and do not meet hedge accounting eligibility criteria. Furthermore, some derivatives cannot be classified as hedging instruments for accounting purposes. These derivative instruments can therefore be recorded at fair value on the balance sheet with recognition of changes in fair value on the income statement. The change in the value of derivatives is recognized for the recurring portion and when this is applicable (amortization of options premiums or periodic premiums) within financial expenses in the same capacity as the interest paid or received for these instruments, and for the non-recurring portion (fair value excluding amortization of premiums or periodic premiums) in the changes in value of the financial instruments. Where applicable, terminations of derivative instruments are considered as non-recurring, such that the gain or loss on disposal or termination is recognized in the income statement within changes in value of financial instruments.

Fair value is determined in accordance with IFRS 13 (see Note 5.5.3.1.2) by an external financial organization using valuation techniques based on the discounted forward cash flow method, as well as the Black & Scholes model for optional products integrating the counterparty risks mentioned by IFRS 13. Estimates of probability of default are obtained by using bond spreads on the secondary market. Valuations are also confirmed by banking counterparties and in-house valuations.

Marketable securities are recorded under this heading as assets at fair value and changes in value are posted to the income statement.

5.5.3.9. Financial liabilities (IAS 32 and 39)

Bank borrowings are mostly constituted of repayable borrowings and medium and long-term credit lines that can be used by variable term drawings. Successive drawings are recognized in the financial statements at face value, with the unused portion of the borrowing facility representing an off-balance sheet commitment.

Financial liabilities, including EMTN issues, are stated at their outstanding balance (net of transaction costs) based on the effective interest rate method. Security deposits are considered as short-term liabilities and are not subject to any discounting.

5.5.3.10. Long term non-financial provisions and liabilities

In accordance with IAS 37 "Provisions, Contingent Liabilities and Contingent Assets", a provision is recognized when the Group has a present obligation (legal or constructive) to a third party as a result of past events, and when it is probable or certain that this obligation will give rise to an outflow of resources to that third party, without at least the equivalent expected in exchange from that third party.

5.5.3.11. Employee benefit commitments

IAS 19 specifies the accounting rules for employee benefits. This accounting occurs during the rights vesting period. It excludes from its scope share-based payments, which come under IFRS 2.

Short-term benefits

Short-term benefits (i.e. salaries, paid holiday, social security contributions, profit-sharing, etc.), which fall due within twelve months of the end of the year during which members of staff provided corresponding services, are recognized as "accrued expenses" under the heading "Current tax and social security payables" under balance sheet liabilities.

Long-term benefits

Long-term benefits correspond to benefits payable during the employee's working life (anniversary premiums). They are recognized as non-recurring provisions.

Post-employment benefits

Post-employment benefits, also recognized as non-recurring provisions, correspond to end-of-career payments and supplementary retirement commitments to some employees. The valuation of these retirement commitments assumes the employee's voluntary departure.

These commitments that are related to the defined-benefit plans for supplementary pensions are paid to external organizations.

No post-employment benefits were granted to executives.

The net commitment resulting from the difference between amounts paid and the probable value of the benefits granted, recognized under salaries and benefits, is calculated by an actuary according to the method known as "projected unit credit method", the cost of the provision being calculated on the basis of services rendered at the valuation date.

Actuarial variances are booked in equity.

5.5.3.12. Tax

5.5.3.12.1. IFRIC 21 Levies imposed by governments

Since January 1, 2015, the Group has been applying the IFRIC 21 interpretation (Levies imposed by governments) which stipulates the timing for the recognition of a liability as a tax or levy imposed by a public authority. These rules cover both the duties or taxes recognized in accordance with IAS 37 Provisions, contingent liabilities and assets and those for which the timing and amount are certain.

The levies and taxes in question are defined as net outflows of resources (thus excluding VAT collected on behalf of the Government) levied by governments (as defined by IAS 20 and IAS 24) in application of the legal and/or regulatory provisions other than fines or penalties linked to non-compliance with laws or regulations. These include taxes entering into the scope of application of IAS 37 on provisions (excluding those in the scope of IAS 12, such as income tax liabilities) as well as taxes with certain amount and payment date (i.e. liabilities that do not fall within the scope of IAS 37).

Pursuant to the IFRIC 21 interpretation, the following taxes are recognized (and their potential reinvoicing at the same time) at one time in the first quarter of the current year:

  • property taxes;
  • household garbage removal taxes;
  • office taxes.

5.5.3.12.2. Ordinary law tax treatment

For companies not eligible in the SIIC system, deferred taxes resulting from timing differences on taxation or deductions are calculated under the liability method on all timing differences existing in the individual accounts or deriving from consolidation adjustments or eliminations of internal profits and losses. This happens when the book value of an asset or liability is different from its tax value. A net deferred tax asset is only recognized on loss carry-forwards provided that it is likely that it can be charged against future taxable income. Deferred tax is determined using the principles and tax rates of the finance laws in effect at the balance sheet date that are likely to be applied when the various taxes involved crystallize. The same rule applies for assets held abroad.

5.5.3.12.3. SIIC tax treatment

Opting for the SIIC system means an exit tax immediately falls due at the reduced rate of 19% on unrealized capital gains related to properties and investments in entities not subject to income tax.

Profits subject to the SIIC system are tax-exempt subject to certain distribution conditions. However, for newly acquired companies, a deferred tax liability is calculated at a rate of 19% corresponding to the amount of exit tax that these companies have to pay when opting for the SIIC system, this option coming under the acquisition strategy.

The discounting of the exit tax liability due to opting for the SIIC system is only recognized when considered material.

5.5.3.13. Recognition of rental income (IAS 17)

Rent is recorded in the income statement when invoiced. However, pursuant to IAS 17, benefits granted to tenants in the commercial real estate sectors (mainly rent franchises and stepped rents) are amortized straight-line over the probable, firm period of the lease. Consequently, rents shown in the income statement differ from rents paid.

At the sale of an asset, the balance of the receivable arising from the straight-line recognition of benefits granted to tenants (mostly rent franchises and stepped rents) is fully reversed and posted in gain or loss on disposal.

Works carried out on behalf of tenants are capitalized and are not deferred over the probable term of the lease according to IAS 17.

5.5.3.14. Key estimates and accounting judgments

To establish the Consolidated financial statements, the Group uses estimates and formulates judgments which are regularly updated and are based on historic data and other factors, especially forecasts of future events considered reasonable in the circumstances.

The significant estimates made by the Group mainly concern:

  • the measurement of the fair value of investment properties;
  • the measurement of the fair value of financial instruments;
  • the measurement of equity interests;
  • the measurement of provisions;
  • the measurement of employee benefit commitments (pensions and share plans).

Due to the uncertainties inherent in any measurement process, the Group adjusts its estimates using regularly updated information. Estimates that carry a major risk of leading to a material adjustment in the net book value of assets and liabilities during the following period are analyzed below:

  • The fair value of the property portfolio, whether it is held for the long term or for sale, is specifically determined based on the valuation of the portfolio by independent experts according to the methods described in sections 5.5.3.1.1. and 5.5.3.1.2. However, given the estimated nature inherent in these valuations, it is possible that the actual sales value of some properties will differ significantly from the valuation, even in the event of disposal within a few months following the balance sheet date.
  • The fair value of the financial instruments that are not traded on an organized market (such as over the counter derivatives) is determined using valuation techniques. The Group uses methods and assumptions that it believes are the most appropriate, based on market conditions at the balance sheet date. The realizable value of these instruments may turn out to be significantly different from the fair value used for the accounting statement.

■ The value in use and the fair value of equity investment securities are determined on the basis of estimates based on various data available to the Group as at the balance sheet date. New information obtained subsequent to the balance sheet date may have a material influence on this valuation.

The procedures for determining fair value according to IFRS 13 are detailed in section 5.5.3.1.2.

In addition to the use of estimates, the Group's management formulates judgments to define the appropriate accounting treatment for certain activities and transactions where the IFRS in force do not specifically deal with the issues concerned. This is especially the case for the analysis of leases, whether operating leases or financial leases.

5.5.4. MANAGEMENT OF FINANCIAL AND OPERATIONAL RISKS

5.5.4.1. Description of the major risks and uncertainties

Chapter 1 of Gecina's 2016 Reference Document contains a detailed description of the risk factors to which the Group is exposed. No other risks and uncertainties other than those presented in the 2016 Reference Document or in this document are expected.

5.5.4.2. Real estate market risk

Holding property assets for rent exposes the Group to the risk of fluctuation of the value of property assets and rents as well as to the risk of vacancy.

However, this exposure is limited given that:

  • the assets are essentially held with a long-term perspective and valued in the accounts at fair value, even though fair value is based on estimates described in sections 5.5.3.1.1. to 5.5.3.1.3. above;
  • invoiced rents come from rental commitments, the term and spread of which contribute to moderating the impact of fluctuations in the rental market.

With respect to development projects, the search for tenants begins once the investment decision is taken and results in the signing of pre-construction leases (Baux en l'État Futur d'Achèvement – BEFA). These leases contain clauses on the definition of completion, the completion time and late penalties.

Certain aspects of this risk are quantified in Note 5.5.6.6

5.5.4.3. Financial market risk

Holding financial instruments for the long term or for sale exposes the Group to the risk of fluctuation in the value of these assets. The analysis and quantification of the risk on hedging financial instruments are stated under Note 5.5.6.8.

In particular, the Group's exposure to equity risk in case of falling stock market indices gives rise to a problem of valuing hedging assets against pension liabilities. This risk is very limited with respect to the amounts of the hedging assets subject to equity risk.

Furthermore, Gecina may be subject to changes in share prices for its financial investments and for its treasury shares. Gecina has set up a share buyback program and therefore holds a certain number of its own shares. A fall in the price of the Gecina share has no impact on the consolidated financial statements, only on the individual company financial statements.

5.5.4.4. The counterparty risk

Since it has a portfolio of clients of around 520 corporate tenants, from a wide variety of sectors, and more than 7,800 individual tenants, the Group is not exposed to significant concentration risks. In the course of its development, the Group aims to acquire assets for which the rental portfolio is closely based on tenant selection criteria and the security provided by them. When a property is rented out, a detailed application is submitted by the tenant and an analysis of the tenant financial soundness is conducted. Tenant selection and rent collection procedures help to maintain a satisfactory rate of losses on receivables.

Financial transactions, especially hedging the interest rate risk, are carried out with a broad selection of leading financial institutions. Competitive tenders are conducted for all major financial transactions and the maintenance of a satisfactory diversification of sources of funds and counterparties is one of the selection criteria. Gecina has no material exposure to a single bank counterparty on its portfolio of derivatives. Counterparty risk is now an integral part of fair value as determined under IFRS 13 (see Note 5.5.3.1.2.) The Group's maximum exposure on all its loans (used and unused) to a single counterparty is 12%.

5.5.4.5. Liquidity risk

Liquidity risk is managed by constantly monitoring the maturity of financing facilities, maintaining available credit lines and diversifying finance sources. Liquidity is managed in the medium and long term as part of multi-annual financing plans and, in the short term, by using confirmed undrawn credit lines and asset disposal programs. Details of debt maturity dates are provided in Note 5.5.5.12.1 as well as a description of the various limits that might affect interest conditions or early repayment, as stipulated in the credit agreements.

5.5.4.6 Interest rate risk

Gecina's interest rate risk management policy, which includes the use of hedging instruments, is aimed at limiting the impact of a change in interest rates on the Group's earnings, where a significant portion of the Group's loans is at a floating rate. With respect to the foregoing, a management framework was presented and validated by the company's Audit and Risk Committee. This management framework defines in particular the management horizons, a percentage of coverage required on the time horizons, new hedging targets and the instruments enabling such management (mostly caps, floors and swaps). The interest rate risk is analyzed and quantified in Note 5.5.5.12.2 and 5.5.6.8, together with an analysis of interest rate sensitivity. Gecina interest rate hedging policy is primarily implemented on a comprehensive basis for all its loans (i.e. not specifically assigned to certain loans). As a result, it does not meet the accounting qualification of hedging instruments and the fair value change therefore appears in the income statement, according to the procedures described in Note 5.5.3.8.

5.5.4.7. Foreign exchange risk

The Group conducts the majority of its business in the Eurozone and almost all its revenues, operating expenses, investments, assets and liabilities are denominated in euros. In this case, the Group is only very marginally exposed to a currency risk only through its logistics subsidiary in Poland, which now has no activity.

5.5.4.8. Operating risks

Gecina is exposed to a wide range of operating risks, the details of which are specified in Note 1.7.2. of Chapter 1 of the 2016 Reference Document.

Until 2009 when Joaquín Rivero was a corporate officer of Gecina or one of its subsidiaries, Gecina carried out a number of transactions, including the acquisition by SIF Espagne of a 49% equity investment in Bami Newco in 2009, and also undertook certain commitments, notably the grant of certain guarantees in relation to said transactions, as mentioned in Notes 5.5.5.13 et 5.5.9.2. When said commitments and transactions were revealed, impairment and provisions were recorded against some of them pursuant to applicable regulations. Some of the guarantees were also granted outside Gecina's internal control framework, despite the specific procedures implemented.

Gecina cannot totally rule out that non-compliance with internal control and risk management procedures, the worsening economic environment in Spain or fraud attempts will not result in further financial, legal or regulatory risks which have not been identified to date. Occurrence of such risks may impact the Group's reputation, results or financial situation.

5.5.5. NOTES TO THE CONSOLIDATED STATEMENT OF FINANCIAL POSITION

5.5.5.1. Property holdings

5.5.5.1.1. Statement of changes in property holdings

Gross value

€'000 At
12/31/2016
Acquisitions Disposals Change
in fair value
Change
in scope
Transfers
between items
At
06/30/2017
Investment properties 10,430,624 78,013 0 872,669 750 287,170 11,669,226
Properties under reconstruction 1,038,680 103,237 0 197,148 1,141 (287,170) 1,053,036
Operating properties 76,830 (6) 0 0 0 0 76,824
Intangible assets 9,276 325 0 0 0 0 9,601
Other tangible assets 17,519 2,085 (3) 0 0 0 19,602
Properties for sale 547,406 135 (65,153) 72,202 2 (0) 554,593
GROSS VALUE 12,120,335 183,790 (65,156) 1,142,019 1,893 (0) 13,382,882

Depreciations and impairments

€'000 At
12/31/2016
Allocations Write
backs
Change in
fair value
Change
in scope
Transfers
between items
At
06/30/2017
Operating properties 15,691 350 0 0 0 0 16,041
Intangible assets 2,939 861 0 0 0 3,800
Other tangible assets 10,168 1,005 (3) 0 0 0 11,169
Depreciations 28,798 2,216 (3) 0 0 0 31,010
NET VALUE 12,091,537 181,574 (65,153) 1,142,019 1,893 (0) 13,351,872

In accordance with the accounting principles defined in Note 5.5.3.1.1, 6 assets under reconstruction are recorded at their historical cost for a combined total of €127.8 million.

The other changes concern marketing fees for €0.5 million and capitalized internal costs for €1.4 million.

5.5.5.1.2. Analysis of acquisitions (including duties and costs)

Acquisitions concerned the following:

€'000 06/30/2017
Rue de Courcelles in Paris 17th arrondissement 63,468
Tour Gamma in Paris 12th arrondissement (one floor) 2,924
Property acquisitions 66,392
Construction and reconstruction work 96,948
Renovation work 13,722
Works 110,670
Head office (6)
Capitalized financial expenses 4,323
TOTAL 181,380
Other tangible fixed assets 2,085
Intangible fixed assets 325
TOTAL ACQUISITIONS 183,790

5.5.5.1.3. Details of income from sales

Disposals are detailed in Note 5.5.6.5.

5.5.5.1.4. Maturity dates of investment properties held on financial lease

The Group holds a floating rate financial lease maturing in the 2nd half of 2017.

€'000 06/30/2017 12/31/2016 06/30/2016
Less than 1 year 42,984 45,729 5,728
1 to 5 years 0 0 43,049
Over 5 years 0 0 0
TOTAL 42,984 45,729 48,777

5.5.5.2. Financial fixed assets

€'000 06/30/2017 12/31/2016 06/30/2016
Non-consolidated investments 109,421 109,421 109,421
Advances on fixed asset acquisitions 65,519 65,519 65,519
Deposits and guarantees 913 1,019 1,270
Other financial investments 1,316 1,183 1,115
TOTAL 177,169 177,142 177,325
Impairment (174,380) (174,380) (174,380)
NET TOTAL 2,789 2,762 2,945

The impairment of €174.4 million is related to the 49% equity interest in the Spanish company Bami Newco, which has been fully written down (€109.3 million) and the advance on property acquisition granted to the Spanish company Bamolo, written down for €65 million (in order to reduce it to the land's latest appraisal value of €0.5 million).

5.5.5.3. Equity-accounted investments

The Group no longer holds any equity-accounted investments.

5.5.5.4. Deferred tax assets and liabilities

Deferred tax arises from temporary differences between the tax base of assets or liabilities and their carrying amounts. They particularly result from the fair value revaluation of investment buildings held by companies who did not opt for the SIIC regime or from the cost related to the adoption of this regime. Deferred tax assets are recognized in respect of tax loss carry-forwards if their future realization is likely.

As at June 30, 2017, there were no deferred tax assets or liabilities.

5.5.5.5. Properties for sale

Movements on properties for sale are included in the overall statement of changes in property holdings (see Note 5.5.5.1.1).

The amount of properties held for sale breaks down as follows:

€'000 06/30/2017 12/31/2016 06/30/2016
Properties for sale (block basis) 101,792 112,624 0
Properties for sale (units basis) 452,801 434,782 495,565
TOTAL 554,593 547,406 495,565

5.5.5.6. Trade receivables

The breakdown of net receivables by sector is indicated in Note 5.5.8.

€'000 06/30/2017 12/31/2016 06/30/2016
Billed clients 15,945 37,117 20,291
Unbilled expenses payable 26,185 3,542 24,700
Balance of amortized rent – free periods and stepped rents (IAS 17) 89,846 76,016 74,549
TRADE RECEIVABLES (GROSS) 131,976 116,675 119,540
Impairment of receivables (10,799) (10,726) (11,732)
TRADE RECEIVABLES (NET) 121,177 105,949 107,808

5.5.5.7. Other receivables

€'000 06/30/2017 12/31/2016 06/30/2016
Value added tax (1) 54,791 42,874 109,693
Income tax 8,780 9,601 1,216
Bami Newco cash advances (fully depreciated) 12,623 12,623 12,623
Receivables on asset disposal 9,549 7,076 4,513
Other (2) 35,805 33,064 32,623
GROSS AMOUNTS 121,548 105,238 160,669
Impairment (37,565) (37,565) (35,303)
NET AMOUNTS 83,983 67,673 125,366
(1)
Of which:
VAT on the acquisitions of City 2, Tour Van Gogh and Be Issy
(2) Of which:
External agents and managers
Advances on equity investments
Deposit payments for orders
Bami Guarantee (Eurohypo)
11,906
9,770
2,300
1,614
20,140
1,551
7,704
2,300
1,197
20,140
68,000
5,313
2,300
0
20,140

5.5.5.8. Prepaid charges

€'000 06/30/2017 12/31/2016 06/30/2016
Loan application costs (1) 11,361 10,668 11,458
10 year warranty insurance 2,802 2,999 2,978
Other (2) 5,859 3,973 6,833
NET VALUES 20,022 17,641 21,269

(1) Primarily including arrangement fees and mortgage costs.

(2) The total amount of miscellaneous expenses and fees linked to the business combination with Eurosic, already incurred on June 30, 2017, amounts to €1.7 million.

5.5.5.9. Cash and cash equivalents

€'000 06/30/2017 12/31/2016 06/30/2016
Money-market UCITS 46 46 6,187
Bank current accounts 1,656,071 58,526 28
CASH AND CASH EQUIVALENTS (GROSS) 1,656,117 58,573 6,215
Bank overdrafts 0 0 0
CASH AND CASH EQUIVALENTS (NET) 1,656,117 58,573 6,215

5.5.5.10. Assets classified as held for sale

€'000 06/30/2017 12/31/2016 06/30/2016
Non-current assets 0 0 3,824
Financial fixed assets 0 0 3,824
Current assets 0 0 1,307,275
Properties for sale 0 0 1,293,016
Trade receivables 0 0 3,831
Other receivables 0 0 1,329
Prepaid expenses 0 0 4,561
Cash and marketable securities 0 0 4,538
TOTAL ASSETS 0 0 1,311,099

5.5.5.11. Consolidated shareholders' equity

See the accounting statement preceding this note in Chapter 5, section 3 "Statement of changes in consolidated equity".

5.5.5.12. Loans, debt and financial instruments

5.5.5.12.1. Borrowings and financial debt

Outstanding debt Outstanding Outstanding Outstanding
€'000 debt
06/30/2017
Repayments
< 1 year
debt
06/30/2018
Repayments
1 to 5 years
debt
06/30/2022
Repayments
more than 5 years
Fixed-rate debt 3,412,786 (16,700) 3,396,086 (672,806) 2,723,280 (2,723,280)
Fixed-rate bonds 3,373,328 0 3,373,328 (672,806) 2,700,522 (2,700,522)
Other fixed-rate liabilities 22,758 0 22,758 0 22,758 (22,758)
Accrued interest 16,700 (16,700) 0 0 0 0
Floating-rate debt 2,179,530 (938,784) 1,240,745 (1,240,745) 0 0
Commercial paper 759,000 (759,000) 0 0 0 0
Floating-rate bonds 497,170 0 497,170 (497,170) 0 0
Floating-rate short-term bonds 110,000 (110,000) 0 0 0 0
Floating-rate borrowings 727,025 (24,250) 702,775 (702,775) 0 0
Floating-rate credit lines 43,350 (2,550) 40,800 (40,800) 0 0
Floating-rate finance leases 42,984 (42,984) 0 0 0 0
GROSS DEBT 5,592,316 (955,484) 4,636,832 (1,913,551) 2,723,280 (2,723,280)
Cash (floating rate)
Open-end investment funds, deposits
and income receivable 46 (46) 0 0 0 0
Availabilities 1,656,071 (1,656,071) 0 0 0 0
TOTAL CASH AND EQUIVALENTS 1,656,117 (1,656,117) 0 0 0 0
Net debt
Fixed rate 3,412,786 (16,700) 3,396,086 (672,806) 2,723,280 (2,723,280)
Floating rate 523,412 717,333 1,240,745 (1,240,745) 0 0
TOTAL NET DEBT 3,936,199 700,633 4,636,832 (1,913,551) 2,723,280 (2,723,280)
Available credit lines 3,725,000 0 3,725,000 (2,945,000) 780,000 (780,000)
Future cash flows on debt 0 (88,102) 0 (269,216) 0 (215,691)

The gross nominal debt amounted to €5,601 millions at June 30, 2017.

The interest that will be paid until maturity of the entire debt estimated on the basis of the interest rate curve at June 30, 2017, amounts to €573.0 million.

The breakdown of the €955.5 million repayment of gross debt within less than one year is as follows:

3rd quarter 2017 4th quarter 2017 1st quarter 2018 2nd quarter 2018 Total
€'000 601,591 335,485 6,036 12,372 955,484

The fair value of the gross debt used to calculate NAV was €5,620 million at June 30, 2017, of which €28 million corresponding to the fair value adjustment of fixed-rate debt).

Type of bonds EMTN EMTN EMTN EMTN EMTN EMTN EMTN EMTN EMTN EMTN
Issue date April 11,
2012
May 30,
2013
July 30,
2014
January 20,
2015
June 17,
2015
December
18, 2015
September
30, 2016
June 30,
2017
June 30,
2017
June 30,
2017
Issue amount
(in € million)
650 300 500 500 500 110 500 500 500 500
Outstanding amount
(in € million)
439.7 242.6 236.1 500 500 110 500 500 500 500
Issue/conversion price 99.499% 98.646% 99.317% 99.256% 97.800% 100.000% 99.105% 100.000% 99.067% 98.535%
Redemption price €100,000 €100,000 €100,000 €100,000 €100,000 €100,000 €100,000 €100,000 €100,000 €100,000
Nominal rate 4.75% 2.875% 1.75% 1.50% 2.00% Euribor 3
months +
0.30%
1.00% Euribor 3
months +
0.38%
1.375% 2.00%
Maturity date April 11,
2019
May 30,
2023
July 30,
2021
January 20,
2025
June 17,
2024
July 18,
2017
January 30,
2029
June 30,
2022
June 30,
2027
June 30,
2032

Covenants

The company's main credit facilities are accompanied by contractual clauses relating to compliance with certain financial ratios, determining interest rates charged and early repayment clauses, the most restrictive of which are summarized below:

Benchmark standard Balance at
06/30/2017
Balance at
12/31/2016
Balance at
06/30/2016
Net debt/revalued block value of property holding
(excluding duties)
Maximum 55% 29.3% 29.4% 36.1%
EBITDA (excluding disposals)/net financial expenses Minimum 2.0x 5.0x 4.9x 5.1x
Outstanding secured debt/revalued block value of property
holding (excluding duties)
Maximum 25% 5.8% 6.5% 6.8%
Revalued block value of property holding
(excluding duties, in € million)
Minimum 6,000/8,000 13,447 12,171 13,136

Change of control clauses

For bonds maturing in April 2019, July 2021, June 2022, May 2023, June 2024, January 2025, June 2027, January 2029 and June 2032, a change of control leading to the downgrading of Gecina's credit rating to "Non-investment grade", not raised to "Investment Grade" within 120 days, can lead to early repayment of the loan.

5.5.5.12.2. Financial instruments

The financial instruments (Level 2 instruments as defined by IFRS 7 and IFRS 13) held by the Group are hedging instruments. The financial instruments held by the Group are traded on the over-the-counter market and valued on the basis of valuation models using observable inputs.

Portfolio of derivatives

€'000 Outstanding
06/30/2017
Maturity or
effective date
< 1 year
Outstanding
06/30/2018
Maturity or
effective date
1 to 5 years
Outstanding
06/30/2022
Maturity or
effective date
More than
5 years
Portfolio of outstanding
derivatives at June 30, 2017
Fixed-rate receiver swaps 150,000 (150,000) 0 0 0 0
Fixed-rate payer swaps 450,000 0 450,000 0 450,000 (450,000)
Selling of puts and calls on fixed rate
payer swaps
0 0 0 0 0 0
Purchasing of puts and calls on fixed
rate receiver swaps
0 0 0 0 0 0
Caps purchases 625,000 0 625,000 (625,000) 0 0
Caps sales 0 0 0 0 0 0
Floors sales 0 0 0 0 0 0
TOTAL 1,225,000 (150,000) 1,075,000 (625,000) 450,000 (450,000)
Portfolio of derivatives with
deferred effect at June 30,2017
Fixed-rate receiver swaps 0 0 0 0 0 0
Fixed-rate payer swaps 0 0 0 150,000 150,000 (150,000)
Selling of puts and calls on fixed rate
payer swaps
0 0 0 0 0 0
Purchasing of puts and calls on fixed
rate receiver swaps
0 0 0 0 0 0
Caps purchases 0 0 0 0 0 0
Caps sales 0 0 0 0 0 0
Floors sales 0 0 0 0 0 0
TOTAL 0 0 0 150,000 150,000 (150,000)
Portfolio of outstanding
derivatives at June 30, 2017
Fixed-rate receiver swaps 150,000 (150,000) 0 0 0 0
Fixed-rate payer swaps 450,000 0 450,000 150,000 600,000 (600,000)
Selling of puts and calls on fixed rate
payer swaps
0 0 0 0 0 0
Purchasing of puts and calls on fixed
rate receiver swaps
0 0 0 0 0 0
Caps purchases 625,000 0 625,000 (625,000) 0 0
Caps sales 0 0 0 0 0 0
Floors sales 0 0 0 0 0 0
TOTAL 1,225,000 (150,000) 1,075,000 (475,000) 600,000 (600,000)
Future interest cash flows on
derivatives
0 (6,827) 0 (17,805) 0 5,279

Gross debt hedging

In €'000 06/30/2017
Fixed-rate gross debt 3,412,786
Fixed-rate debt converted to floating rate (150,000)
Residual debt at fixed rate 3,262,786
Gross debt at floating rate 2,179,530
Fixed-rate debt converted to floating rate 150,000
Gross debt at floating rate after conversion of debt to floating rate 2,329,530
Fixed-rate payer swaps and activated caps/floors (450,000)
Unhedged gross debt at floating rate 1,879,530
Caps purchases (625,000)
Caps sales 0
Floating rate debt 1,254,530

The fair value of hedging instruments, as recorded on the balance sheet, breaks down as follows:

Transfer
€'000 12/31/2016 Acquisitions Disposals between
items
Change in
value
06/30/2017
Non-current assets 0 0 0 0 0 0
Current assets 1,537 0 0 0 (929) 609
Non-current liabilities (31,013) 0 0 0 10,356 (20,657)
Current liabilities 0 0 0 0 0 0
TOTAL (29,476) 0 0 0 9,427 (20,048)

The fair value of financial instruments (current and non-current) has improved by €9 million. This improvement can be explained by the change in rates since the end of 2016 and the time effect.

5.5.5.13. Provisions

€'000 12/31/2016 Allocations Write backs Utilizations Reclassification 06/30/2017
Tax reassessments 9,141 0 0 0 0 9,141
Employee benefit commitments 14,647 255 0 0 0 14,902
Spain commitments 4,800 0 0 0 0 4,800
Other disputes 12,450 0 (326) (150) 0 11,974
TOTAL 41,038 255 (326) (150) 0 40,817

Some companies within the consolidation have been the subject of tax audits leading to notifications of tax reassessments, the majority of which are contested. In particular, some tax reassessments were notified after accounting review in respect of 2012 and 2013 fiscal years, essentially. These tax reassessments for a total amount of €86 million are contested by the company and are essentially not accrued as a provision. At June 30, 2017, the total amount accrued as a provision for fiscal risk was €9 million based on the assessment made by the company and its advisers.

Furthermore, the company has several ongoing litigations with the French tax administration, which could result today, in the reimbursement of a maximum amount of nearly €14 million. This amount is related to the corporate income tax paid in 2003 when several Group companies opted for the SIIC tax regime. These amounts, which could be recovered at various dates in light of the various ongoing proceedings, were expensed at the time of payment and therefore no longer appear on the company's balance sheet.

The Group has also, directly or indirectly, been the subject of liability actions and court proceedings instigated by third parties. Based on the assessments of the company and its advisers, there is no risk that is not accrued, which would be likely to significantly impact the company's earnings or financial situation.

Employee benefit commitments (€14.9 million) concern supplementary pensions, lumpsum retirement benefits, and anniversary premiums. They are valued by independent experts.

Commitments for which provisions have been accrued in Spain (€4.8 million) primarily concern guarantees granted by SIF Espagne, then represented by Mr. Joaquín Rivero, on November 13, 2009, concerning Bami Newco's repayment of credit facilities granted to it until November 13, 2019, by Banco Popular for principal amounts of €3.3 million and €1.5 million respectively. As at June 30, 2017, provisions had been fully accrued for the full amount of these guarantees, i.e., €4.8 million.

The resulting contingent receivable was reported under the bankruptcy proceedings of Bami Newco. In June 2014, Banco Popular called in one of its two guarantees and claimed the payment of €3 million from SIF Espagne. In June 2016, MHB Bank claimed the payment of this guarantee in its capacity as the assignee of the guarantee. After studying and analyzing this case, the Company believes that it is not required, to date, to make the payment. Bami Newco was the subject of insolvency proceedings commenced in June 2013. Gecina and SIF Espagne reported their receivables in the context of these bankruptcy proceedings.

In December 2014, the Spanish court declared the commencement of receivership proceedings for Bami Newco. Gecina and SIF Espagne are challenging the conditions for commencing this liquidation phase. Following a claim filed by a Bami Newco senior creditor, in June 2015 the Spanish bankruptcy judge authorized a procedure to sell off the assets of Bami Newco. Despite the various petitions filed by some creditors, including Gecina and SIF Espagne, the Spanish bankruptcy judge authorized, through a firm and final order at the end of July 2015, the sale of the property assets to the senior creditor of Bami Newco. In November 2015, the liquidation plan was sent to the parties. This plan shows a liability significantly higher than the remaining assets of Bami Newco, thereby confirming that it is unlikely for Gecina and SIF Espagne to recover their receivables, considered as subordinated debt. On January 22, 2016, Gecina and SIF Espagne filed pleadings seeking a classification of fraudulent bankruptcy and liability of the de facto and de jure directors of Bami Newco and continue to assert their rights and defend their interests in these proceedings.

The company was informed on July 16, 2012, by Banco de Valencia of the existence of four promissory notes issued in 2007 and 2009, for a total amount of €140 million, in the name of "Gecina S.A. Succursal en España" for three of them, and Gecina S.A. for one of them, in favor of a Spanish company Arlette Dome SL. The latter allegedly gave these promissory notes to Banco de Valencia as a guarantee for loans granted by that bank.

After verification, the company realized that it had no information about these alleged promissory notes or about any business relationship with Arlette Dome SL which could have justified their issue. After also observing the existence of evidence pointing to the fraudulent nature of their issuance if the issue were to be confirmed, the company has filed a criminal complaint in this respect with the competent Spanish authorities. Following a series of decisions and appeals, Gecina was recognized as party to the proceedings on April 19, 2016 before the National Court, where the company continues to assert its rights. No provision was recognized for this purpose.

To date, the company is not in a position to evaluate any potential risks, in particular, regulatory, legal or financial, arising from the facts covered by the ongoing criminal proceedings and cannot, in particular, exclude the possibility that it may be joined as a party in the future, together with the company's officers and representatives.

Spanish bank Abanca, after seeking the payment by Gecina of €63 million (of which €48.7 million in principal) pursuant to the guarantee letters of engagement allegedly signed in 2008 and 2009 by Mr. Joaquín Rivero, former Gecina officer, summoned Gecina to appear before the Court of First Instance of Madrid in order to obtain the payment of the claimed amounts.

Gecina is challenging Abanca's claims, asserting its rights and defending its interests in these proceedings. On June 10, 2016, the Court of First Instance of Madrid declared that it had no jurisdiction to try the dispute. On July 14, 2016, Abanca appealed this decision. On July 4, 2017, the Appeal Court of Madrid declared that the Spanish Courts do have jurisdiction to hear Abanca's claim. The proceedings on the merits are ongoing before the court of First Instance of Madrid. No provision was recognized for this purpose.

Gecina filed a criminal complaint in France against Mr. Rivero and any other party involved, for misuse of authority under letters of endorsement raised by Abanca.

5.5.5.14. Pensions and other employee benefits

The amounts reported in the balance sheet as at June 30, 2017 are as follows:

€'000 06/30/2017 12/31/2016 06/30/2016
Discounted value of the liability 17,839 17,682 17,478
Fair value of hedging assets (2,937) (3,035) (3,109)
Discounted net value of the liability 14,902 14,647 14,369
Non-recognized profits (losses) 0 0 0
Non-recognized costs of past services 0 0 0
NET LIABILITY ON THE BALANCE SHEET 14,902 14,647 14,369

The net commitment recorded in non-recurring provisions amounted to €14.9 million after taking into account hedging assets estimated at €2.9 million at June 30, 2017.

There is no actuarial variance for the period.

Change of bond

In €'000 06/30/2017 12/31/2016 06/30/2016
Discounted net value of bond at beginning of period 14,647 13,058 13,058
Breakdown of expense
Cost of services rendered during the year 396 722 352
Net interest 78 206 104
Actuarial losses and gains 0 (124) 72
Expense reorganized under payroll expense 474 804 529
Effects of any change or liquidation of the plan 0 292 292
Benefits paid (net) (219) (792) (118)
Contributions paid 0 0 (28)
Actuarial losses and gains not written to income 0 1,285 636
DISCOUNTED NET VALUE OF BOND AT END OF PERIOD 14,902 14,647 14,369

Below are the main actuarial hypotheses used to calculate Group commitments.

06/30/2017 12/31/2016 06/30/2016
Expected yield rate of hedging assets 3.00% 3.00% 2.50%
Wage increase rate (net of inflation) 0.50% 0.50% 0.50%
Discount rate 0.00% - 1.50% 0.00% - 1.50% 0.00% - 1.50%
Inflation rate 2.00% 2.00% 2.00%

5.5.5.15. Trade payables

Fixed asset trade payables make up the bulk of the balance and relate to debt from the company's projects under development.

€'000 06/30/2017 12/31/2016 06/30/2016
Trade payables 2,766 3,293 306
Trade payables (invoices not received) 41,501 27,136 24,361
Fixed asset trade payables(1) 83,887 86,466 81,771
Fixed asset trade payables (invoices not received)(1) 70,731 94,775 57,775
TRADE PAYABLES 198,886 211,671 164,213
(1) Of which:
City 2 asset acquisition
Van Gogh asset acquisition
0
84,606
2,288
88,032
5,052
85,857

5.5.5.16. Tax and social security payables

€'000 06/30/2017 12/31/2016 06/30/2016
Social security liabilities (short term) 16,043 23,995 16,453
Other tax liabilities (representing VAT payable and local taxes) 56,720 17,234 67,070
TAX AND SOCIAL SECURITY PAYABLES 72,763 41,229 83,523
of which non-current liabilities 0 0 0
of which current liabilities 72,763 41,229 83,523

5.5.5.17. Other payables

€'000 06/30/2017 12/31/2016 06/30/2016
Client credit balances 32,323 28,017 26,421
Other payables 170,370 10,423 166,605
Deferred income 2,552 2,899 2,811
OTHER PAYABLES 205,245 41,340 195,837

5.5.5.18. Liabilities classified as held for sale

€'000 06/30/2017 12/31/2016 06/30/2016
Non-current payables and debt 0 0 74,208
Financial payables and debt 0 0 74,208
Current payables and debt 0 0 13,400
Share short-term of financial debt 0 0 4,817
Security deposits 0 0 1,015
Trade payables 0 0 3,251
Tax and social security payables and debt 0 0 3,723
Other debts 0 0 155
Deferred income 0 0 439
TOTAL LIABILITIES 0 0 87,608

5.5.5.19. Off balance sheet commitments

€'000 06/30/2017 12/31/2016 06/30/2016
Commitments given
Off balance sheet commitments given linked to operating activities
Deposits and guarantees (in favor of subsidiaries and equity investments) 1,020 1,020 1,020
Asset-backed liabilities (1) 740,375 747,695 809,197
Works amount to be invested (including sales of property for future
completion)
310,041 340,232 400,673
Preliminary sale agreements for properties 163,356 180,630 1,411,904
Preliminary agreements to purchase properties 0 1,620 0
Acquisition of blocks of securities (4) 2,814,249 0 0
Other (2) 27,520 27,520 15,029
TOTAL COMMITMENTS GIVEN 4,056,561 1,298,717 2,637,823
Commitments received
Off balance sheet commitments received linked to financing
Unused lines of credit (4) 3,725,000 2,245,000 2,410,000
Off balance sheet commitments received linked to operating activities
Preliminary sale agreements for properties 115,178 140,599 1,358,910
Preliminary agreements to purchase properties 0 1,800 50,250
Acquisition of blocks of securities (4) 2,814,249 0 0
Mortgage-backed receivables 480 480 480
Financial guarantees for management and transactions activities 915 1,264 1,264
Other (3) 1,244,471 1,247,057 1,244,775
TOTAL COMMITMENTS RECEIVED 7,900,293 3,636,200 5,065,679

(1) List of main mortgaged properties:

148 and 152 rue de Lourmel (75015 Paris)

4-16, avenue Léon Gaumont (93105 Montreuil)

Zac Charles de Gaulle (92700 Colombes)

418-432 rue Estienne d'Orves and 25-27 and 33 rue de Metz (92700 Colombes)

10/12 place Vendôme (75002 Paris)

9 to 11bis avenue Matignon, 2 rue de Ponthieu, 12 to 14 rue Jean Mermoz, 15 avenue Matignon (75008 Paris)

37 rue du Louvre, 25 rue d'Aboukir (75002 Paris)

ZAC Danton, 34 avenue Léonard de Vinci (92400 Courbevoie)

101 avenue des Champs Elysées (75008 Paris)

(2) Of which €10 million and €16 million for liability guarantee granted in the GEC 4 and Gecimed subsidiaries' equities disposal.

(3) Of which €1,240 million guarantee received as part of acquisition of ADD and AGA equities.

(4) In the context of the business combination with Eurosic, Gecina recognized as of June 30, 2017:

(i) a commitment received and a counter entry for commitment given of €2,814 million corresponding to the commitment made by Gecina and the six main shareholders of Eurosic to acquire / assign Eurosic shares and subordinated bonds redeemable in shares (OSRA).

(ii) a commitment received of €1 billion corresponding to the outstanding available amount of the undrawn credit agreement intended to finance the acquisition in cash of Eurosic shares and OSRA bonds.

During the course of its normal business operations, Gecina made certain commitments to be fulfilled within a maximum of ten years, and which do not appear in the table of commitments given because their cost is not yet known. Based on the assessments of the Group and its advisers, there are currently no commitments likely to be called and which would materially impact Gecina's earnings or financial position.

The outstanding amounts for future development costs (including sales of property for future completion) correspond to reciprocal guarantees with the developer who undertakes to complete the works.

5.5.5.20. Recognition of financial assets and liabilities

€'000 Assets/
liabilities
valued at fair
value through
the income
statement
Assets/
liabilities held
to maturity
Assets
available
for sale
Loans
and
receivables
Liabilities
at amor
tized cost
Historic
cost
Fair value
through
sharehold
ers' equity
Total Fair value
Financial fixed assets (1) 0 2,228 0 480 0 81 0 2,789 2,789
Equity-accounted investments 0 0 0 0 0 0 0 0 0
Cash and cash equivalents 1,656,117 0 0 0 0 0 0 1,656,117 1,656,117
Current and non-current
derivatives (2)
Other assets (1)
609
0
0
0
0
0
0
0
0
0
0
205,160
0
0
609
205,160
609
205,160
TOTAL FINANCIAL ASSETS 1,656,726 2,228 0 480 0 205,241 0 1,864,675 1,864,675
Non-current financial debts
Current and non-current
0 766,333 0 0 3,870,499 0 0 4,636,832 4,636,832
derivatives (2) 20,657 0 0 0 0 0 0 20,657 20,657
Current financial debts 0 955,484 0 0 0 0 0 955,484 955,484
Other liabilities (1) 0 0 0 0 0 525,603 0 525,603 525,603
TOTAL FINANCIAL LIABILITIES 20,657 1,721,817 0 0 3,870,499 525,603 0 6,138,576 6,138,576

(1) Due to the short-term nature of these receivables and debts, the book value represents a good estimate of fair value, as the discount effect is immaterial. (2) According to IFRS 7 and IFRS 13, the fair value of financial instruments is level 2 which means that the valuation is based on published market data.

5.5.6. NOTES TO THE CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME

5.5.6.1. Gross rental income

In its revenues, Gecina distinguishes rental income by type of lease while the analysis by sector (Note 5.5.8) is based on the Group's internal management.

Minimum future rents receivable until the next possible termination date under the operating leases of commercial properties are as follows:

In €'000 06/30/2017 06/30/2016
Less than 1 year 336,872 326,208
1 to 5 years 845,104 902,617
Over 5 years 254,634 341,869
TOTAL 1,436,610 1,570,694

5.5.6.2. Direct operating expenses

These are composed of:

  • rental charges that are payable by the owner, charges related to construction work, cost of disputes if any and property management fees;
  • the portion of rechargeable rental charges by nature, which remain the Group's expense, mainly on vacant premises;
  • the rental risk consisting of net impairments plus the amount of losses and profits on unrecoverable debts for the period.

The cost of rental risk, which has been included in property expenses, amounted to €0.3 million at June 30, 2017 versus €0.2 million at June 30, 2016.

Recharges to tenants consist of rental income from recharging tenants for costs payable by them. They include as at June 30, 2017, any rental and technical management fees that may be invoiced, i.e. €2.3 million (versus 2 million at June 30, 2016).

Consolidated financial statements Half year report 2017

€'000 06/30/2017 06/30/2016
Other external expenses (39,207) (42,750)
Taxes and other payables (49,839) (49,548)
Salaries and fringe benefits (2,426) (2,378)
Other expenses (468) (244)
Property expenses (91,940) (94,920)
Rental expenses to be regularized 25,983 23,256
Vacant premises' expenses (3,483) (2,440)
Miscellaneous recovery 11,971 10,648
Provisions on costs 30,853 33,748
Rental and technical management fees 0 1,970
Recharges to tenants 65,324 67,182
NET DIRECT OPERATING EXPENSES (26,616) (27,738)

5.5.6.3. Services and other income (net)

These largely comprise the following items:

€'000 06/30/2017 06/30/2016
Income from service activities 318 351
Reversals of investment subsidies 148 306
Other 1,581 670
TOTAL GROSS 2,047 1,327
Expenses (444) (416)
TOTAL NET 1,603 911

5.5.6.4. Overheads

Overheads break down as follows:

€'000 06/30/2017 06/30/2016
Salaries and fringe benefits (24,580) (24,751)
Internal costs 2,294 2,212
Share-based payments (IFRS 2) (928) (645)
Net management costs (8,797) (8,173)
TOTAL (32,011) (31,357)

Payroll costs relate to the company's administrative staff, since the salaries of building staff are included in rental margins.

Depending on their nature, a portion of payroll costs has been reclassified to the income statement or balance sheet where appropriate for a total amount of €2.3 million at June 30, 2017. Personnel expenses costs attributable to disposals are recorded under gains or losses on disposal. Those attributable to projects under development and marketing actions are recognized as fixed assets. Lastly, payroll costs attributable to ongoing studies are booked as prepaid expenses.

Share-based payments concern stock options for new or existing shares and performance shares (see Note 5.5.9.4) and are booked in accordance with IFRS 2 (see Note 5.5.3.7).

Management costs primarily include fees paid by the company and head office operating costs (computer maintenance, insurance, advertising, etc.).

5.5.6.5. Gains or losses on disposals

Disposals represented:

€'000 06/30/2017 06/30/2016
Block sales 2,500 261,280
Units sales 80,938 65,734
Proceeds from disposals 83,438 327,014
Block sales (1,715) (239,994)
Units sales (63,438) (49,530)
Net book value (65,153) (289,524)
Block sales (512) (1,912)
Units sales (3,268) (4,695)
Cost of sales (3,780) (6,607)
Block sales 273 19,374
Units sales 14,232 11,509
CAPITAL GAINS ON DISPOSAL 14,505 30,883

Payroll costs directly attributable to disposals and to a lesser extent management costs recorded under "Gains or losses on disposal" for the first half of 2017 amounted to €0.8 million versus €1.0 million at June 30, 2016.

5.5.6.6. Change in value of properties

Changes in the fair value of property holdings break down as follows:

€ million 12/31/2016 06/30/2017 Change %
Offices 8,300,250 8,712,380 412,130 5.0%
Residential 2,073,520 2,549,817 476,298 23.0%
Investment properties (1) 10,373,770 11,262,197 888,428 8.6%
Change in value of projects delivered and acquisitions (2) 88,063
Change in value of projects in progress(2) 109,085
Change in value of assets held for sale(3) 72,202
Change in value 1,157,778
Capitalized works on investments properties (1) (15,009)
Capitalized salaries and fringe benefits on investments properties(1) (375)
Acquisition costs, translation differentials and other(1) (375)
CHANGE IN VALUE RECORDED IN INCOME STATEMENT AS AT JUNE 30, 2017 1,142,019
(1) Change in value of investment properties (note 5.5.5.1.1.)
(2) Change in value of properties under reconstruction (note 5.5.5.1.1.)
(3) Change in value of properties for sale (note 5.5.5.1.1.)
872,669
197,148
72,202

Pursuant to IFRS 13 (see Note 5.5.3.1.2.), the tables below break down, by activity sector, ranges of the main unobservable inputs (level 3) used by property appraisers:

Offices Yield rate Discount Rate
(DCF method)
Rental market value
(in €/sq.m)
Paris CBD 2.75% - 5.20% 3.25% - 5.50% 440 - €800/sq.m
Paris excl. CBD 3.25% - 7.65% 4.00% - 8.75% 320 - €600/sq.m
Paris 2.75% - 7.65% 3.25% - 8.75% 320 - €800/sq.m
1st rim 3.75% - 5.65% 4.00% - 6.75% 240 - €540/sq.m
2nd rim 6.40% - 9.50% 6.25% - 11.50% 70 - €200/sq.m
Paris Region 3.75% - 9.50% 4.00% - 11.50% 70 - €540/sq.m
Rest of France 4.00% - 6.05% 3.80% - 5.95% 200 - €260/sq.m
OFFICES 2.75% - 9.50% 3.25% - 11.50% 70 - €800/sq.m
Units sales price
Residential (in €/sq.m) Yield rate
Paris 6,330 - €11,080/sq.m 2.80% - 3.80%
1st rim 4,390 - €6,590/sq.m 3.65% - 4.50%
RESIDENTIAL 4,390 - €11,080/sq.m 2.80% - 4.50%

Consolidated financial statements Half year report 2017

An unfavorable situation on the real estate market could have a negative impact on the valuation of Gecina's property portfolio as well as its operating income. For instance, a downturn on the real estate market, resulting in an increase of 50 basis points (0.5%) in capitalization rates, could bring about a decrease of around 11.1% of the appraised value of the entire property portfolio (on the assumption that such a downturn would affect all of the different segments of Gecina's real estate business), representing roughly €1,491 million based on the block valuation of appraised assets as at June 30, 2017, and would have a similar unfavorable impact on Gecina's consolidated earnings.

Sensitivity to changes in the capitalization rate

Sector Change in
capitalization rate
Valuation of assets
In €m
Variation of assets
In %
Impact on consolidated income
In €m
All sectors 0.50% 11,956 -11.1% (1,491)
Offices 0.50% 9,158 -11.0% (1,136)
Residential 0.50% 2,798 -11.3% (355)

5.5.6.7. Net financial expenses

Net financial expenses specifically include (i) interest, coupons or dividends, received or paid, to be received or to be paid, on financial assets and liabilities including hedge financial instruments; (ii) net gains and losses on assets held for trading (UCITS and other shares held for the short term) and (iii) straight line depreciation of premiums on option and periodic premiums on option; (iv) the straight line depreciation of the cost of arranging these loans and credit lines.

€'000 06/30/2017 06/30/2016
Interests and expenses on bank loans (9,590) (11,721)
Interests and expenses on bond borrowings (29,101) (37,073)
Interests on finance leases (137) (248)
Interest expenses on hedge instruments (2,821) (625)
Other financial costs (26) (0)
Losses from translation differentials (23) (24)
Capitalized interests on projects under development 4,942 2,143
Financial costs (36,756) (47,547)
Interest income on hedging instruments 0 0
Other financial income 114 1,003
Gains from translation differentials 0 307
Financial income 114 1,310
NET FINANCIAL EXPENSES (36,642) (46,237)

The average cost of the drawn debt amounted to 1.6% in the first half of 2017.

5.5.6.8. Change in value of derivatives and debts

The fair value of the financial instruments (current and noncurrent) has improved by €9 million.

Based on the portfolio at June 30, 2017, the fair value change of the derivatives portfolio, as a result of a 0.5% increase in the interest rate, would generate an additional + €21 million recorded in income. A 0.5% interest rate cut would lead to a fair value decrease of income - €21 million recorded in income.

The Group holds all financial instruments to hedge its debt. None of them is held for speculative purposes.

5.5.6.9. Tax

In €'000 06/30/2017 06/30/2016
Corporate income tax 0 0
Additional contribution to corporate income tax 0 (9)
CVAE (1,613) (1,666)
Tax credits 22 0
Recurring taxes (1,591) (1,675)
Exit tax 0 0
Non-recurring taxes 0 0
Tax credits 0 0
Deferred taxes 0 0
TOTAL (1,591) (1,675)

The business real estate tax (Cotisation Foncière des Entreprises - CFE), which mainly pertains to the corporate head office, is recognized under operating charges.

The tax on wealth generated by businesses (Cotisation sur la Valeur Ajoutée des Entreprises - CVAE) is considered as income tax.

€'000 06/30/2017 06/30/2016
Consolidated net income 1,309,548 484,144
Tax (incl. CVAE) 1,591 1,675
CVAE (1,613) (1,666)
Consolidated net income, before tax excl. CVAE 1,309,526 484,153
Theoretical tax rate 34.43% 34.43%
Theoretical tax in value 450,870 166,710
Impact of tax rate differences between France and other countries 17 0
Impact of permanent and timing differences (414) (875)
Companies accounted for under the equity method 0 (19)
Impact of the SIIC regime (450,538) (165,806)
Tax disputes 0 0
CVAE 1,613 1,666
TOTAL (449,322) (165,034)
Effective tax charge per income statement 1,591 1,675
Effective tax rate 0.12% 0.35%

The theoretical tax rate of 34.4% corresponds to the ordinary law tax rate of 33.3% and to the corporate income tax social contribution of 3.3%.

€'000 Note 06/30/2017 06/30/2016
Consolidated net income 5.2. 1,309,548 484,144
Non-SIIC companies (1,090) (2,569)
Income of companies accounted for under the equity method 0 (55)
2016 corporate income tax (22) 9
Consolidated net accounting income 1,308,436 481,528
Theorical tax in % 34.43% 34.43%
SIIC REGIME EFFECT 5.5.6.9. 450,538 165,806

5.5.6.10. Net income from discontinued operating activities

€'000 06/30/2017 06/30/2016
Gross rental income 0 39,362
Property expenses 0 (4,615)
Recharges to tenants 0 4,217
Net rental income 0 38,964
Services and other income (net) 0 80
Overheads 0 (381)
EBITDA 0 38,663
Net impairments 0 0
Gains or losses on disposals 0 (14)
Change in value of properties 0 (831)
Operating income 0 37,818
Net financial expenses 0 (779)
Change in value of financial instruments and debt 0 117
Pre-tax income 0 37,156
Tax 0 (222)
CONSOLIDATED NET INCOME 0 36,934

5.5.6.11. Earnings per share

Earnings per share are calculated by dividing net income attributable to shareholders by the weighted average number of ordinary shares in circulation during the year. Diluted earnings per share are calculated by dividing net income for the year attributable to shareholders by the average weighted number of shares outstanding during the year, adjusted for the impact of equity instruments to be issued when the issue conditions are met and the dilutive effect of the benefits granted to employees through the allocation of stock options and performance shares.

06/30/2017 06/30/2016
Net income linked to owners of the parent (€'000) 1,299,260 519,643
Weighted average number of shares before dilution 62,055,134 62,713,386
Undiluted earnings per share, linked to owners of the parent (€) 20.94 8.29
Earnings per share, after effect of dilutive securities, linked to owners of the parent (€'000) 1,299,429 519,992
Weighted average number of shares after dilution 62,374,189 63,251,292
Diluted earnings per share, linked to owners of the parent (€) 20.83 8.22
06/30/2017 06/30/2016
Net income linked to owners of the parent before dilution (€'000) 1,299,260 519,643
Impact of dilution on net income (securities allocations effect) 170 349
Net income linked to owners of the parent, after effect of dilutive securities (€'000) 1,299,430 519,992
Weighted average number of shares before dilution 62,055,134 62,713,386
Impact of dilution on weighted number of shares 319,055 537,906
Weighted average number of shares after dilution 62,374,189 63,251,292
Note 06/30/2017 06/30/2016
Net income from discontinued operating activities (€'000) 0 36,934
Weighted average number of shares before dilution 0 62,713,386
Net come from discontinued operating activities, per share, undiluted (€) 0.00 0.59
Net income from discontinued operating activities,
after effect of dilutive securities (€'000) 0 36,934
Weighted average number of shares after dilution 0 63,251,292
Net come from discontinued operating activities, per share, diluted (€) 0.00 0.58

5.5.7. NOTES TO THE STATEMENT OF CONSOLIDATED CASH FLOWS

5.5.7.1. Change in value

€'000 Note 06/30/2017 12/31/2016 06/30/2016
Change in value of properties 5.5.5.1.1. (1,142,019) (532,964) (337,259)
Change in value of derivatives 5.2. (9,427) 26,126 36,541
Premium and costs paid on the repurchased bonds 64,230
CHANGE IN VALUE AND COSTS PAID ON
THE REPURCHASED BONDS
(1,151,446) (442,607) (300,719)

5.5.7.2. Change in operating working capital

€'000 06/30/2017 12/31/2016 06/30/2016
Balance sheet assets:
Clients change 1,398 11,532 9,440
Change of other receivables (1) 16,249 (29,939) 35,041
Change of prepaid charges 2,380 (2,575) 868
Total of the balance sheet assets 20,027 (20,982) 45,349
Balance sheet liabilities:
Change of tenants' security deposits 1,960 (2,881) (80)
Change of trade payables 13,838 7,504 1,299
Change of tax and social payables and debt 34,091 4,162 46,000
Change of other debts (2) 4,683 (38,836) (43,832)
Change of prepaid expenses (199) (490) (507)
Total of the balance sheet liabilities 54,373 (30,541) 2,880
TOTAL OF CHANGE IN OPERATING CAPITAL 34,346 (9,559) (42,469)
(1) VAT
(1) Tax
11,917
(821)
(36,950)
8,422
32,869
(2) Client credit balance 4,306 (37,255) (26,421)

5.5.7.3. Proceeds from disposals of tangible and intangible fixed assets

In €'000 06/30/2017 06/30/2016
Block sales 2,500 268,405
Units sales 80,938 65,734
Proceeds from disposals 83,438 334,139
Block sales (512) (1,912)
Units sales (3,268) (4,694)
Cost of sales (3,780) (6,606)
Impacts of the application of IFRS 5 0 (7,125)
CASH IN LINKED TO DISPOSALS 79,658 320,408

5.5.7.4. Incidence of scope variation

Acquisitions and disposals of consolidated subsidiaries

€'000 06/30/2017 12/31/2016 06/30/2016
Equities price acquisition 0 0 0
Acquired cash 0 0 0
Net acquisitions acquired cash 0 0 0
Equities sale and debt reimbursement 0 (1,226,880) 0
Transferred cash 0 4,333 0
Net disposals transferred cash 0 (1,222,547) 0
Incidence of scope variation 0 (1,222,547) 0
€'000 06/30/2017 12/31/2016 06/30/2016
Heathcare business disposal 0 1,233,361 0
Disposal costs 0 (14,099) 0
La Buire equities sale 0 3,419 0
Miscellaneous 0 (134) 0
INCIDENCE OF SCOPE VARIATION 0 1,222,547 0

5.5.7.5. Change in working capital from investing activities

€'000 06/30/2017 12/31/2016 06/30/2016
Balance sheet assets:
Change of other receivables (fixed assets buyers) 2,473 3,255 147
Balance sheet liabilities:
Change of trade payables fixed assets (26,623) (166,984) (211,699)
CHANGE IN WORKING CAPITAL FROM INVESTING ACTIVITIES (29,096) (170,239) (211,847)

5.5.7.6. Dividends paid to shareholders of the parent company

After paying an interim dividend of €2.60 per share on March 8, 2017, the Combined General Meeting of April 26, 2017 approved the payment of a dividend of €5.20 per share for the 2016 financial year. The outstanding balance of €2.60 per share was paid out on July 7, 2017. For 2015, the Group distributed a dividend per share of €5 for a total amount paid of €313.8 million.

5.5.7.7. New loans and repayments of loans

€'000 06/30/2017 12/31/2016 06/30/2016
New loans 2,628,305 3,352,000 1,838,241
Repayments of loans (660,065) (4,364,087) (1,885,042)
CHANGE OF LOANS 1,968,240 (1,012,087) (46,801)

Change of loans – Notes (note 5.5.5.12.1.)

In €'000 06/30/2017 12/31/2016 06/30/2016
Debts at June 30, 2017 5,592,316 3,640,421 4,670,383
Debts at December 31, 2016 (3,640,421) (4,761,055) (4,761,055)
Accrued interests at June 30, 2017 (16,700) (35,075) (19,999)
Accrued interests at December 31, 2016 35,074 66,188 66,188
Change of scope heathcare disposal 79,023
Bonds IAS 39 at June 30, 2017 (2,029) (1,290) (2,319)
2016 Accrued interests (santé) (299)
CHANGE OF LOANS – NOTES 1,968,240 (1,012,087) (46,801)

5.5.7.8. Closing cash and cash equivalents

In €'000 06/30/2017 12/31/2016 06/30/2016
Money-market UCITS 46 46 6,187
Cash and cash equivalents 1,656,071 58,527 4,567
Closing cash and cash equivalents 1,656,117 58,573 10,753
Cash and cash equivalents of the Healthcare sector (IFRS 5) 0 0 (4,538)
CASH AND CASH EQUIVALENTS (IFRS 5) 1,656,117 58,573 6,215

5.5.8. SEGMENT REPORTING

The Group only operates in France (except for minimal operations in other European countries). It is structured into various business lines, as follows.

Income statement for business segments at June 30, 2017

€'000 Offices Residential Student
residences
Total continued
operations
Discontinued
operations
Segments
total
Operating income
Rental revenues on offices properties 176,416 4,205 - 180,621 - 180,621
Rental revenues on residential properties 2,280 50,625 - 52,905 - 52,905
Rental revenues on healthcare properties - - - - - -
Rental revenues on students residences - - 7,069 7,069 - 7,069
Turnover: gross rental income 178,696 54,829 7,069 240,594 - 240,594
Expenses not billed to tenants 11,564 12,919 2,133 26,616 - 26,616
Net rental income 167,132 41,910 4,936 213,979 - 213,979
Margin on rents 93.5% 76.4% 69.8% 88.9% 88.9%
Services and other income (net) 1,150 293 159 1,602 - 1,602
Salaries and fringe benefits (23,214) - (23,214)
Net management costs (8,797) - (8,797)
EBITDA 183,570 0 183,570
Net gains on disposals of properties (376) 14,881 - 14,505 - 14,505
Change in value of properties 594,963 540,223 6,833 1,142,019 - 1,142,019
Amortization (2,216) - (2,216)
Net impairments 476 - 476
Operating income 1,338,354 - 1,338,354
Net financial expenses (36,642) - (36,642)
Financial provisions and amortization - - -
Change in value of derivatives 9,427 - 9,427
Net income from equity-accounted
investments
- - -
Pre-tax income 1,311,139 - 1,311,139
Tax (1,591) - (1,591)
Consolidated net income linked
to non-controlling interests
(10,288) (10,288)
Consolidated net income linked
to owners of the parent 1,299,260 - 1,299,260
Assets and liabilities by segments
as at June 30, 2017
Property holdings (except headquarters) 10,135,343 2,871,215 281,298 13,287,855 - 13,287,855
- of which acquisitions 66,500 - - 66,500 - 66,500
- of which properties for sale 14,260 540,333 0 554,593 - 554,593
Amounts due from tenants 118,906 12,111 959 131,976 - 131,976
Impairments of tenants' receivables (3,639) (6,671) (488) (10,799) - (10,799)
Security deposits received from tenants 39,511 10,358 1,393 51,261 - 51,261

Including IFRIC 21 (Levies imposed by governments) effects.

Income statement for business segments at June 30, 2016

€'000 Offices Residential Student
residences
Total continued
operations
Discontinued
operations
Segments
total
Operating income
Rental revenues on offices properties 192,333 4,041 - 196,374 - 196,374
Rental revenues on residential properties 2,585 53,498 - 56,083 - 56,083
Rental revenues on healthcare properties - - - - 39,362 39,362
Rental revenues on students residences - - 7,022 7,022 - 7,022
Turnover: gross rental income 194,918 57,540 7,022 259,480 39,362 298,842
Expenses not billed to tenants 13,059 12,618 2,061 27,738 398 28,136
Net rental income 181,859 44,922 4,961 231,742 38,964 270,706
Margin on rents 93.3% 78.1% 70.6% 89.3% 99.0% 90.6%
Services and other income (net) 530 381 (1) 911 80 991
Salaries and fringe benefits (23,184) - (23,184)
Net management costs (8,173) (381) (8,554)
EBITDA 201,296 38,663 239,959
Net gains on disposals of properties 19,313 11,570 0 30,883 (14) 30,869
Change in value of properties 298,940 38,471 (151) 337,260 (831) 336,429
Amortization (2,384) - (2,384)
Net impairments 1,486 - 1,486
Operating income 568,541 37,818 606,359
Net financial expenses (46,237) (779) (47,016)
Financial provisions and amortization - - -
Change in value of derivatives (36,541) 117 (36,424)
Net income from equity-accounted
investments
56 - 56
Pre-tax income 485,819 37,156 522,975
Tax (1,675) (222) (1,897)
Consolidated net income linked
to non-controlling interests
(1,435) (1,435)
Consolidated net income linked
to owners of the parent
482,709 36,934 519,643
Assets and liabilities by segments
as at June 30,2016
Property holdings (except headquarters) 9,004,523 2,431,635 234,437 11,670,596 1,293,016 12,963,612
- of which acquisitions 60,045 - - 60,045 - 60,045
- of which properties for sale - 495,565 - 495,565 1,293,016 1,788,581
Amounts due from tenants 104,405 13,985 1,151 119,540 3,831 123,371
Impairments of tenants' receivables (4,177) (7,107) (448) (11,732) - (11,732)
Security deposits received from tenants 40,933 10,872 1,312 53,117 1,015 54,132

Including IFRIC 21 (Levies imposed by governments) effects.

5.5.9. OTHER INFORMATION

5.5.9.1.Shareholding structure of the Group

At June 30, 2017, Gecina's shareholding was structured as follows:

Number of shares % of share capital
14,529,973 22.91%
8,349,232 13.16%
6,139,377 9.68%
3,913,282 6.17%
2,593,198 4.09%
25,711,950 40.53%
2,197,628 3.46%
63,434,640 100.00%

5.5.9.2. Related parties

A co-exclusive sale mandate for a building located in Neuillysur-Seine (Hauts-de-Seine) was concluded in May 2011, between Locare, subsidiary of Gecina, and Resico, subsidiary of Predica, shareholder and director of the Company. In this respect, Locare billed the sum of €27 thousand for the first half of 2017.

Bami Newco was the subject of insolvency proceedings commenced in June 2013. Gecina and SIF Espagne reported their receivables in the context of these bankruptcy proceedings.

Bami Newco is neither consolidated nor booked under the equity method by Gecina since the Group has no control over that entity and significant influence.

In December 2014, Bami Newco asked for the commencement of receivership proceedings that was agreed by the Spanish court. Gecina and SIF Espagne are challenging the conditions for commencing this liquidation phase (see Section 5.5.5.13).

Following a claim filed by a Bami Newco senior creditor, the Spanish Bankruptcy judge authorized in June 2015, a procedure to sell off the property assets of Bami Newco. Despite the various petitions filed by some creditors, including Gecina and SIF Espagne, the Spanish Bankruptcy judge authorized, through a firm and final order at the end of July 2015, the sale of the property assets to the Bami Newco senior creditor.

In November 2015, the liquidation plan was sent to the parties and is currently being executed by the court-ordered liquidation administrator. This plan shows a liability significantly higher than the remaining assets of Bami Newco, thereby confirming that it is unlikely for Gecina and SIF Espagne to recover their receivables, considered as subordinated debt. On January 22, 2016, Gecina and SIF Espagne filed pleadings seeking a classification of fraudulent bankruptcy and liability of the de facto and de jure directors of Bami Newco and they continue to assert their rights and defend their interests in these proceedings.

On December 14, 2007, Gecina advanced €9.85 million to Bami Newco in connection with the acquisition by Gecina group of a plot of land in Madrid. This agreement was approved by the Shareholders' General Meeting of April 22, 2008. As a result of the repayments made, the balance on this advance that stood at €2.7 million was subject to a ruling on September 10, 2012, instructing Bami Newco to repay SIF Espagne. Bami Newco has appealed this ruling. A decision handed down by the Madrid Appeals Court on January 18, 2013, confirmed the September 10, 2012, ruling. The resulting debt was reported under the bankruptcy proceedings of Bami Newco.

A joint bond of €5 million involving SIF Espagne was granted to FCC Construcción for the development by Bami Newco of a corporate office in Madrid on behalf of FCC Construcción. The latter went to a Spanish court to demand the payment of this bond. On September 12, 2014, the Madrid Appeals Court ordered Bami Newco and its guarantors (SIF Espagne and Inmopark 92 Alicante) to pay jointly to FCC Construcción the sum of €5 million in principal, in addition to late penalties and court costs.

In November 2014, FCC Construcción requested the enforcement of the aforementioned ruling against SIF Espagne, which made the corresponding payment. Bami Newco and SIF Espagne appealed the merits of the case but their appeal was rejected by a ruling handed down on January 11, 2017, thus making the Appeals Court ruling firm and final. The corresponding provision of €5 million has been written back in the accounts of SIF Espagne and a debt has been recognized to Bami Newco and Inmopark 92 Alicante, on the assets side of the balance sheet, immediately written down for impairment due to the financial position of these two companies and their ongoing bankruptcy proceedings. The ensuing statements of claims were confirmed in the bankruptcy proceedings of Bami Newco and Inmopark 92 Alicante.

In 2012, the company was informed of the existence of several guarantees granted by SIF Espagne, then represented by Mr. Joaquín Rivero:

  • on January 14, 2010, concerning Bami Newco's repayment of a loan taken out the same day in connection with a renewal with Caja Castilla La Mancha for a principal total of €9 million, alongside Inmopark 92 Alicante, also a shareholder in Bami Newco and controlled by Joaquín Rivero. Through a payment of €5.2 million to Caja Castilla La Mancha in June 2012, the company definitively paid the balance of the guarantee granted to Bami Newco. SIF Espagne demanded the repayment of the €5.2 million from Bami Newco; this debt has been reported in the context of Bami Newco's bankruptcy proceedings. It remains fully written down on Gecina's consolidated balance sheet;
  • on November 13, 2009, concerning Bami Newco's repayment of credit facilities granted to it until November 13, 2019 by Banco Popular for principal amounts of €3.3 million and €1.5 million respectively. The resulting contingent receivable was reported under the bankruptcy proceedings of Bami Newco. Pursuant to a letter dated June 17, 2014, Banco Popular called in one of its two guarantees and claimed the payment of €3 million from SIF Espagne. In June 2016, MHB Bank claimed the payment of this guarantee in its capacity as the assignee of the guarantee. After studying and analyzing this case, the Company believes that it is not required, to date, to make the payment.

In connection with the contemplated acquisition by Gecina of the shares and securities giving access to the share capital of Eurosic, Gecina entered into the three following agreements on June 20, 2017:

  • A share purchase agreement for the shares of Eurosic, amounting to € 449 million, was entered into with Predica as part of the acquisition of blocks of shares from Eurosic's main shareholders;
  • A commitment to tender was entered into between Predica and Gecina pursuant to which Predica commits to tender its remaining Eurosic shares that were not sold to Gecina pursuant to the above-mentioned share purchase agreement, i.e. 1,099,807 Eurosic shares, to the exchange offer of the public offer;
  • A memorandum of understanding was entered into between Gecina and Eurosic, aimed in particular at organizing the terms and conditions of the cooperation between both companies.

Taking into account the shareholding ties between Predica and Gecina, these agreements were unanimously approved by Gecina's Board of Directors on June 20, 2017 (with the exception of Predica, which did not take part in the vote, in accordance with the procedure for related-party agreements and the Board of Directors' bylaws). These agreements will be submitted to the next general shareholders' meeting approval in line with the procedure for related-party agreements.

5.5.9.3. Group employees

Average headcount 06/30/2017 12/31/2016 06/30/2016
Managers 191 194 193
Employees and supervisors 166 166 164
Building staff 70 76 76
TOTAL 427 436 433

5.5.9.4. Stock options and performance shares

Stock options

Grant date Start date of
exercise of
options
Number
of options
advanced
Subscription
or purchase
price
Total to
exercise at
12/31/2016
Options
exercised in
2017
Options
cancelled,
expired or
transfered
Total to
exercise at
06/30/2017
Residual life
(in years)
12/13/2007 12/13/2009 230,260 €103.52 38,040 17,450 20,590 0.5
12/18/2008 12/18/2010 331,875 €36.80 35,868 35,868 1.5
04/16/2010 04/16/2012 252,123 €78.08 59,790 59,790 2.8
12/27/2010 12/27/2012 210,650 €83.55 88,260 506 87,754 3.5

Performance shares

Number Shares
Grant date Vesting date of shares
advanced
Stock price
when granted
Balance at
12/31/2016
Shares vested
in 2017
cancelled in
2017
Balance at
06/30/2017
02/19/2015 02/19/2018 58,120 €116.45 55,740 966 54,774
04/21/2016 04/21/2019 60,990 €125.00 59,690 2,411 57,279
07/21/2016 04/21/2019 3,000 €128.65 3,000 3,000

5.5.9.5. Compensation for administrative and Governance bodies

Compensation for management bodies concerns Gecina's corporate officers.

In €'000 06/30/2017 12/31/2016
Short-term benefits 2,562 1,390
Post-employment benefits N.A N.A
Long-term benefits N.A N.A
End-of-contract benefits (ceiling for 100% of criteria) N.A N.A
Share-based payment N.A 300

5.5.9.6. Disputes

Each of the known legal disputes, in which Gecina or the Group's companies are involved, was reviewed at the close of the accounts and the provisions deemed necessary have, where called for, been created to cover the estimated risks (see also Note 5.5.5.13 in the Notes to the Consolidated financial statements).

The main disputes in which the Gecina group is involved are described below:

5.5.9.6.1. Pending criminal court disputes

To date, the company is not in a position to evaluate any potential risks, in particular, regulatory, legal or financial, arising from the facts covered by the ongoing criminal proceedings and cannot, in particular, exclude the possibility that it may be joined as a party in the future, together with the company's officers and representatives.

■ In 2009, a complaint was filed in France pertaining to certain transactions involving in particular the former Chairman of Gecina's Board of Directors, Mr. Joaquín Rivero.

The company fully assisted the investigations and joined the proceedings as a civil party in 2010 to safe-guard its interests. During the investigations, the examining magistrate, Mr. Van Ruymbeke, ordered the seizure of the sums representing the dividends owed to Mr. Joaquín Rivero and to the companies that he controls by virtue of the General Meetings of April 17, 2012, and April 18, 2013 (around €87 million). Mr. Joaquín Rivero was referred to the Criminal Court (Tribunal Correctionnel) on various counts as a result of the aforementioned complaint and, in a ruling handed down on March 11, 2015, he was convicted of misuse of corporate assets and money laundering and sentenced to four years' imprisonment, with a one-year suspended sentence. He was also ordered to pay around €209 million to Gecina in damages and a fine of €375,000. The Court ordered the confiscation of all the sums seized during the investigation (around €87 million).

The Court also indicated that a portion of the damages would have to be paid directly by the AGRASC to Gecina, first on the assets that were confiscated which the AGRASC managed and up to this amount.

Lastly, Mr. Joaquín Rivero was acquitted on the counts of failure to report threshold crossings and circulation of false or misleading information. As the parties have appealed this decision, the ruling is not enforceable.

Joaquín Rivero died on September 18, 2016. By a ruling handed down on March 22, 2017, the Paris Court of Appeals noted, in particular, the termination of the public prosecution's case against Mr. Joaquín Rivero following his death, and the continuation of Gecina's civil suit against Mr. Rivero's heirs. Gecina thus continues to defend its rights in the context of the ongoing appeal procedure.

On October 28, 2016, the Court of Cassation ruled the forfeiture of the appeal filed by Joaquín Rivero and the companies he controlled against the judgment of the Paris Court of Appeals of December 8, 2014, which upheld the seizure of the dividends (around €43 million) reverting to them for fiscal 2012 as approved by the General Meeting of April 18, 2013.

Following the judgment of March 11, 2015, Gecina proceeded to the seizure of the 8,839 shares held personally by Joaquín Rivero and the 2014 and 2015 dividends attached to those shares.

■ On September 11, 2014, the Spanish bank Abanca requested the payment by Gecina of €63 million pursuant to the guarantee letters of endorsements that were allegedly signed in 2008 and 2009, by Mr. Joaquín Rivero, former Gecina officer.

Gecina, which had no knowledge of these letters of endorsement, considered, after talking to its legal advisers, that they represent a fraudulent arrangement since they are in breach of its corporate interest and of applicable rules and procedures.

For these reasons, Gecina informed Abanca that it contested the fact that it owed the sum being claimed and that as a result, it would not respond to its claim. On October 24, 2014, the company filed a criminal complaint against Mr. Rivero and any other person involved, for misuse of authority under these letters of endorsement. Abanca, for its part, brought a suit against Gecina before the Madrid District Court, which declared that it had no jurisdiction to try the case through a decision issued on June 10, 2016 (see Section 5.5.9.6.2).

■ On July 16, 2012, the company was informed by the banking institution Banco de Valencia of the existence of four promissory notes, issued in 2007 and 2009, for a total of €140 million, in the name of "Gecina S.A. Succursal en España" for three of them, and Gecina S.A. for one of them, in favor of a Spanish company Arlette Dome SL. The latter allegedly gave these promissory notes to Banco de Valencia as a guarantee for loans granted by that bank.

After verification, the company realized that it had no information about these alleged promissory notes or about any business relationship with Arlette Dome SL which could have justified their issue. After also observing the existence of evidence pointing to the fraudulent nature of their issuance if the issue were to be confirmed, the company has filed a criminal complaint in this respect with the competent Spanish authorities. Following a series of decisions and appeals, Gecina was recognized as third party to the proceedings on April 19, 2016, before the National Court, where the company continues to assert its rights. No provision was recognized for this purpose.

5.5.9.6.2. Pending civil and commercial court disputes

■ The Spanish bank Abanca, after seeking the payment by Gecina of €63 million (of which €48.7 million in principal) pursuant to the guarantee letters of engagement allegedly signed in 2008 and 2009 by Mr. Joaquín Rivero, former Gecina officer (see Section 5.5.9.6.1.), summoned Gecina to appear before the Court of First Instance of Madrid in order to obtain the payment of the claimed amounts.

Gecina is challenging Abanca's claims, asserting its rights and defending its interests in these proceedings. On June 10, 2016, the Court of First Instance of Madrid declared that it had no jurisdiction to try the dispute. On July 14, 2016, Abanca appealed this decision. On July 4, 2017, the Appeal Court of Madrid declared that the Spanish Courts do have jurisdiction to hear Abanca's claim. The proceedings on the merits are ongoing before the court of First Instance of Madrid. Gecina filed a criminal complaint in France against Mr. Rivero and any other party involved, for misuse of authority under letters of endorsement raised by Abanca (see Section 5.5.9.6.1.).

No provision was recognized for this purpose.

■ Bami Newco was the subject of insolvency proceedings commenced in June 2013. Gecina and SIF Espagne reported their receivables in the context of these bankruptcy proceedings.

In December 2014, Bami Newco asked for the commencement of receivership proceedings, which was granted by the Spanish court. Gecina and SIF Espagne are challenging the conditions for commencing this liquidation phase. Following a claim filed by a Bami Newco senior creditor, the Spanish bankruptcy judge authorized in June 2015 a procedure to sell off the property assets of Bami Newco. In spite of the various petitions filed by some creditors, including Gecina and SIF Espagne, the Spanish bankruptcy judge authorized, through a firm and final order at the end of July 2015, the sale of the property assets to the Bami Newco senior creditor. In November 2015, the liquidation plan was sent to the parties. This plan shows a liability significantly higher than the remaining assets of Bami Newco, thereby confirming that it is unlikely for Gecina and SIF Espagne to recover their receivables, considered as subordinated debt. On January 22, 2016, Gecina and SIF Espagne filed pleadings seeking a classification of fraudulent bankruptcy and liability of the de facto and de jure directors of Bami Newco.

Gecina and SIF Espagne continue, however, to assert their rights and defend their interests in these proceedings.

  • The Spanish company Bamolo, to which Gecina granted in 2007 a €59 million loan, which matured in October 2010, filed for bankruptcy in 2011. Gecina has reported this loan refund receivable as a loss, under the Spanish proceedings. Having gained knowledge of a loan at the same time as the Gecina loan, granted by Bamolo, for an equivalent amount to a company known as Eusko Levantear Eraikuntzak II (ELE), also in receivership, Gecina is asserting its rights and defending its interests in these two bankruptcy proceedings. Following the liquidation phase of Bamolo, on March 10, 2015, Gecina filed, before the Spanish courts, a liability action against the de jure and de facto directors of Bamolo, including Mr. Joaquín Rivero, for fraudulent bankruptcy. The proceedings are ongoing.
  • A joint bond of €5 million involving SIF Espagne was granted to FCC Construcción for the development by Bami Newco of a corporate office in Madrid on behalf of FCC Construcción. The latter went to a Spanish court to demand the payment of this bond. On September 12, 2014, the Madrid Appeals Court ordered Bami Newco and its guarantors (SIF Espagne and Inmopark 92 Alicante) to pay jointly to FCC Construcción the sum of €5 million in principal, in addition to late penalties and court costs.

In November 2014, FCC Construcción requested the enforcement of the aforementioned ruling against SIF Espagne, which made the corresponding payment. Bami Newco and SIF Espagne appealed the merits of the case but their appeal was rejected by a ruling handed down on January 11, 2017, thus making the Appeals Court ruling firm and final. The corresponding provision of €5 million has been written back in the accounts of SIF Espagne and a debt has been recognized to Bami Newco and Inmopark 92 Alicante, on the assets side of the balance sheet, immediately written down for impairment due to the financial position of these two companies and their ongoing bankruptcy proceedings.

The ensuing statements of claims were confirmed in the bankruptcy proceedings of Bami Newco and Inmopark 92 Alicante.

There are no other government, judicial or arbitration proceedings pending, including any proceeding of which the company is aware, or with which it is threatened, which may or have had in the last twelve months material impacts on the financial position or profitability of the company and/or the Group.

5.5.9.7. Post-balance sheet events

On July 4, 2017, Gecina finalized the acquisition of a 10,500 sq.m office asset in La Défense, for €78.5 million excluding duties and an immediate net yield of around 5.7% .

Chapter 06

Executive Management and Board of Directors

6.1. EXECUTIVE MANAGEMENT 64
6.2. BOARD OF DIRECTORS AND
BOARD OF DIRECTORS' COMMITTEES 64
6.2.1.
Board of Directors 64
6.2.2. Board of Directors' Committees 65

6.1. EXECUTIVE MANAGEMENT

The Executive Management is represented by Ms. Méka Brunel, appointed by the Board of Directors on January 6, 2017 as Chief Executive Officer to replace Mr. Philippe Depoux. Ms. Méka Brunel remains a director.

The Board of Directors is chaired by Mr. Bernard Michel.

6.2. BOARD OF DIRECTORS AND BOARD OF DIRECTORS' COMMITTEES

The composition of the Board of Directors and the Board of Directors' Committees changed during the first half of 2017. They are now comprised as follows.

6.2.1. BOARD OF DIRECTORS

As at June 30, 2017, the Gecina Board of Directors is comprised of the following 10 members, 50% of whom are independent directors and 50% are women:

  • Mr. Bernard Michel, Chairman of the Board of Directors;
  • Ms. Méka Brunel, Chief Executive Officer;
  • Ms. Isabelle Courville (1);
  • Ms. Laurence Danon (1);

  • Ms. Dominique Dudan (1);

  • Mr. Claude Gendron;
  • Ivanhoé Cambridge Inc., represented by Mr. William Tresham;
  • Mr. Jacques-Yves Nicol (1);
  • Predica, represented by Mr. Jean-Jacques Duchamp;
  • Ms. Inès Reinmann Toper (1).

During the first half of 2017, the following movements occurred in the structure of the Board of Directors:

Director's name Renewal Appointment Departure Comments
Mr. Rafael Gonzalez de la Cueva X Expiry of his directorship at the end of the Annual
General Meeting of April 26, 2017.
Ms. Laurence Danon (2) X Appointment by the Annual General Meeting
of April 26, 2017 for a four-year term, i.e.,
until the end of the Annual General Meeting
convened to approve the financial statements
for the year ending December 31, 2020.
Ivanhoé Cambridge Inc.,
represented by Mr. William
Tresham
X Renewal by the Annual General Meeting of April
26, 2017 for a four-year term, i.e., until the end
of the Annual General Meeting convened to
approve the financial statements for the year
ending December 31, 2020.

It should be noted that since the total number of employees of the company and its subsidiaries is lower than the thresholds fixed by Article L. 225-27-1 of the French Commercial Code, there is no director representing employees on the Board of Directors. However, in accordance with Article L. 2323-62 of the French Labor Code, members of the Works Council attend Board of Directors' meetings in an advisory capacity.

(1) Independent director.

(2) Laurence Danon joined the École Normale Supérieure Paris in 1977, graduating as a qualified physics teacher in 1980. After two years of research in the French national center for scientific research (CNRS) laboratories, she entered the École Nationale Supérieure des Mines in 1981 and graduated as a Corps des Mines engineer in 1984. After five years with the French Ministry for Industry and the Hydrocarbons Division, Laurence Danon joined the ELF group in 1989.

From 1989 to 2001, she held various positions in the TOTAL FINA ELF group's chemicals branch, notably as CEO of BOSTIK, the world number two for adhesives, from 1996 to 2001.

In 2001, Laurence Danon was appointed Chairman and CEO of Printemps and a member of the Executive Committee of PPR (KERING). Following the repositioning and successful sale of Printemps in 2007, she moved to the world of finance. Initially, from 2007 to 2013, as Chairwoman of the Executive Committee of Edmond de Rothschild Corporate Finance, then from 2013 as Chairwoman of the investment bank Leonardo & Co. SAS (subsidiary of the Italian Banca Leonardo group). After Leonardo & Co. SAS was sold to NATIXIS in 2015, she has devoted herself to her family office, PRIMROSE SAS. Laurence Danon has been a Director of Amundi since 2015 and is Chairwoman of its Strategic Committee. She has also been a member of the Board of Directors of TF1 since 2010, chairing its Audit Committee. In addition, she has served on other boards of directors of companies such as the UK firm Diageo (2006-2015), Plastic Omnium (2003-2010), Experian Plc (2007-2010), Rhodia (2008-2011) and the Supervisory Board of BPCE (2009-2013), where she chaired its Appointments and Compensation Committee.

From 2005 to 2013, Laurence Danon chaired the Medef Commission. From 2000 to 2003, she was Chairwoman of the Board of Directors of École des Mines de Nantes, and, from 2004 to 2006, Chairwoman of the École Normale Supérieure Paris Foundation.

6.2.2. BOARD OF DIRECTORS' COMMITTEES

The Board of Directors' Meeting held after the Annual General Meeting of April 26, 2017, changed the composition of its Committees. The Committees are now comprised as detailed below.

Composition as at June 30, 2017 Comments
4 members:
- Ivanhoé Cambridge Inc.,
represented by Mr. William Tresham,
Chairman of the Committee
- Ms. Méka Brunel
- Mr. Bernard Michel
- Predica, represented
by Mr. Jean-Jacques Duchamp
The Board of Directors' Meeting of April 26, 2017, held after
the Annual General Meeting of the same day, decided to:
- rename the Strategic Committee as the Strategic
and Investment Committee
- remove the right to a casting vote from the Chairman
of the Committee
- appoint Ivanhoé Cambridge Inc., represented
by Mr. William Tresham, as Chairman of the Committee,
replacing Mr. Bernard Michel, who remains a member.
6 members, 4 of whom are independent:
- Mr. Jacques-Yves Nicol,
Chairman of the Committee (1)
- Ms. Isabelle Courville (1)
- Ms. Dominique Dudan (1)
- Mr. Claude Gendron
- Predica, represented
by Mr. Jean-Jacques Duchamp
- Ms. Inès Reinmann Toper (1)
No executive corporate officer.
Concurrently with her appointment as Chief Executive Officer
of the Company on January 6, 2017, Ms. Méka Brunel resigned
as a member of the Audit and Risk Committee.
The Board of Directors' Meeting of April 26, 2017, held after
the Annual General Meeting of the same day, decided to appoint
Ms. Inès Reinmann Toper and Mr. Claude Gendron as members
of this Committee, for an indefinite period that shall be no longer
than their terms of office as directors.
in the event of a tie.
3 members, 2 of whom are independent:
- Ms. Inès Reinmann Toper,
Chairwoman of the Committee (1)
- Ms. Laurence Danon (1)
- Mr. Claude Gendron
No executive corporate officer.
The Chairman has the casting vote
The Board of Directors' Meeting of April 26, 2017, held after
the Annual General Meeting of the same day, decided to appoint
Ms. Laurence Danon as a member of this Committee, for an
indefinite period that shall be no longer than her term of office
as a director. Ms. Danon replaces Mr. Rafael Gonzalez de la Cueva,
whose term of office as a director expired at the end of said
Annual General Meeting.
The Chairman has the casting vote
in the event of a tie.

(1) Independent director.

Proposed Eurosic Acquisition Chapter 07

7.1. OVERVIEW OF THE PROPOSED EUROSIC ACQUISITION 67 7.1.1. The Memorandum of Understanding ......................................................................... 68 7.1.2. Block Acquisition ............................................................................................................... 68 7.1.3. Contribution Commitments ............................................................................................70 7.1.4. Sale of the Diversification Assets .................................................................................70 7.1.5. Public Offer ...........................................................................................................................70 7.2. STRATEGIC INTEREST OF THE PROPOSED EUROSIC ACQUISITION 71 7.3. FINANCING CONDITIONS FOR THE PROPOSED EUROSIC ACQUISITION 72 7.3.1. Bridge loan agreement ......................................................................................................72 7.3.2. Bond issue .............................................................................................................................72 7.3.3. Capital increase with shareholders' pre-emptive subscription rights .............73 7.3.4. Summary of the financing ...............................................................................................73 7.4. RISKS RELATED TO THE EUROSIC ACQUISITION PROJECT 73 7.4.1. The acquisition of Eurosic may fail to achieve the expected benefits .............73 7.4.2. The Company has only had limited contact with Eurosic and it may be required to record restructuring and impairment or other charges as a result of liabilities resulting from legacy issues or if it discovers liabilities or other issues following the acquisition of Eurosic ............................73 7.4.3. The pro forma financial information may not be representative of the future performance of the combined group resulting

7.1. OVERVIEW OF THE PROPOSED EUROSIC ACQUISITION

Overview of the Transaction

On June 21, 2017, after unanimous approval from its Board of Directors, Gecina announced its plan to acquire all Eurosic securities. This friendly transaction is supported by the six main Eurosic shareholders (representing 94.8% of the capital(1)) via the establishment of Block Acquisition fixed contracts(2) (as defined below) (representing 85.3% of the capital(3)) allowing control of Eurosic to be taken in the short term and commitments of contributions to the securities portion of the Public Offer (as defined below) (representing 9.5% of the capital(4)) which will be filed after the Block Acquisition. The planned Eurosic acquisition constitutes a major acceleration in Gecina's growth by strengthening its positioning as a specialist in prime office space in Paris, the leading real estate market in continental Europe. It is perfectly in line with the company's strategy to create value.

Within this context, a memorandum of understanding was signed between the company and Eurosic (the "Memorandum of Understanding"), on June 20, 2017, with the particular aim of organizing the terms and conditions for cooperation between the two companies as part of the Transaction (as defined below).

In parallel, the discussions between the Company on one hand and the main Eurosic shareholders on the other resulted, on June 20, 2017, in the successful signing of purchase agreements for marketable securities relating to the Block Acquisition (as described in more detail in Section 7.1.2) under the terms of which the Company, subject to the fulfillment of the Conditions Precedent (as defined below) or to the waiver of these conditions, if applicable, will acquire in cash a total of 38,122,108 Eurosic shares representing 77.16% of Eurosic's capital(5) and 17,126,902 subordinated bonds redeemable in shares (OSRA) (as defined below). The same day, concurrently with the conclusion of the purchase agreements for marketable securities, some of the main Eurosic shareholders entered into Contribution Commitments (as defined below) with the Company for the mandatory public offer (as described in more detail in Section 7.1.5) that will be initiated by the Company following the effective execution of the Block Acquisition (as defined below). The Contribution Commitments involve a total of 6,138,778 Eurosic shares, i.e., 12.43%(6) of Eurosic's capital at June 20, 2017.

Furthermore, following the effective execution of the Block Acquisition (as defined below) by the Company, it is expected that (i) Eurosic will carry out the Sale of the Diversification Assets (as defined below) to Batipart Immo Europe S.à.r.l. (or any subsidiary of Batipart Immo Europe S.à.r.l. that it may substitute and for which it would remain guarantor of obligations), these Diversification Assets (as defined below) do not correspond to the strategy pursued by the Company; and (ii) the Company will launch a Public Offer (as defined below) on Eurosic.

Finally, in order to secure financing for the acquisition of the shares and securities providing access to Eurosic's capital, the Company signed a Bridge Facility Agreement which has already been partially refinanced on the bond market (for more detail, see Section 7.3) and for which the balance will be refinanced through the income from a capital increase with pre-emptive subscription rights, with the balance of the Eurosic acquisition price being financed by the Company's available cash and/or the bank credit facilities it has available (the "Financing") (for more detail, see Section 7.3).

The Block Acquisition, the Sale of the Diversification Assets, the Public Offer, the Contribution Commitments, the Memorandum of Understanding (all as defined below) and the Financing are hereinafter known as the "Transaction."

It is noted that the Company's Works Council was informed of the Transaction and on June 20, 2017, gave its approval to the Transaction.

  • (5) Share capital at June 20, 2017, on an undiluted basis
  • (6) Share capital at June 20, 2017, on an undiluted basis

(1) On a fully diluted basis of subordinated bonds redeemable in shares (OSRA), excluding treasury shares, i.e. a total of 64,732,509 shares. (2) Batipart (75% in cash and 25% in securities), Covéa (100% in cash), Predica (90% in cash and 10% in securities), ACM (100% in cash), Debiopharm (90% in cash and 10% in securities), and Latricogne (48% in cash and 52% in securities)

(3) On a fully diluted basis of subordinated bonds redeemable in shares (OSRA), excluding treasury shares, i.e. a total of 64,732,509 shares

(4) On a fully diluted basis of subordinated bonds redeemable in shares (OSRA), excluding treasury shares, i.e. a total of 64,732,509 shares

Overall schedule of the Transaction, for information purposes

June 20, 2017 - Signing of the Memorandum of Understanding
- Signing of the purchase agreements for marketable securities under Conditions Precedent
- Signing of the Contribution Commitments for the Public Offer under condition precedent
- Signing of the Bridge Facility Agreement
June 27, 2017 - Announcement by the Company of a €1.5 billion bond issue
June 30, 2017 - Settlement-delivery of the bond issue
August 2017 (subject to lifting of
the Conditions Precedent, mainly
authorization of the Transaction
by the Competition Authority and
the unqualified conclusions of the
independent appraiser)
- Execution of the Block Acquisition
- Sale of the Diversification Assets
August/October 2017 - Completion of the Public Offer and contribution of the Eurosic shares in accordance
with the Contribution Commitments

7.1.1. THE MEMORANDUM OF UNDERSTANDING

The Memorandum of Understanding was signed on June 20, 2017, between the Company and Eurosic. It details the terms and conditions of the cooperation between the two companies until the completion of the Transaction and in particular:

  • the commitment of the Company, subject to prior execution of the Block Acquisition (as defined below), to file the draft Public Offer (as defined below) by October 30, 2017;
  • the main terms and conditions of the Public Offer (as defined below);
  • the commitment of the Company to offer a liquidity mechanism to beneficiaries of the Eurosic bonus shares allocation;
  • Eurosic's commitment to management in the normal course of business, subject to certain exceptions concerning ongoing

7.1.2. BLOCK ACQUISITION

The discussions between the Company and the main Eurosic shareholders resulted in the signing on June 20, 2017, of:

  • a purchase agreement for marketable securities entered into between the Company and Batipart Immo Europe S.à.r.l. ("Batipart") under the terms of which the Company, subject to the fulfillment of the Conditions Precedent (as defined below) or to the waiver of these conditions, if applicable, will acquire in cash (i) 7,861,926 shares of the 11,528,031 Eurosic shares held by Batipart and (ii) all the subordinated bonds redeemable in shares issued by Eurosic in June 2015 (the "OSRA 2015") held by Batipart, i.e., 3,280,158 OSRA 2015 (the "Batipart Acquisition");
  • a purchase agreement for marketable securities entered into between the Company and ACM Vie SA and ACM Vie SAM (together "ACM") under the terms of which the Company, subject to the fulfillment of the Conditions Precedent (as defined below) or to the waiver of these conditions, if applicable, will acquire in cash (i) all the 8,356,215 Eurosic shares held by ACM and (ii) all the OSRA 2015 held by ACM, i.e., 839,160 OSRA 2015 (the "ACM Acquisition");
  • a purchase agreement for marketable securities entered

transactions, until the execution of the Block Acquisition (as defined below);

  • Eurosic's commitment not to provide to the Public Offer (as defined below) the 2,162,375 treasury shares that it held at the Memorandum date; and
  • Eurosic's commitment to collaborate with the Company particularly in (i) relations with French Competition Authority, (ii) management of change of control clauses contained in some contracts entered into Eurosic and/or its subsidiaries and that will be triggered by the Transaction, (iii) relations with the independent appraiser, (iv) relations with the AMF, and (v) preparation of the documents related to the Public Offer (as defined below).

into between the Company and Prédica, Pacifica, Spirica and La Médicale de France (together "Prédica") under the terms of which the Company, subject to the fulfillment of the Conditions Precedent (as defined below) or to the waiver of these conditions, if applicable, will acquire in cash (i) 7,940,230 of the 9,040,037 Eurosic shares held by Prédica and (ii) all the OSRA 2015 held by Prédica, i.e., 1,958,041 OSRA 2015 (the "Prédica Acquisition");

  • a share purchase agreement entered into between the Company and Debiopharm Holding SA ("Debiopharm") under the terms of which the Company, subject to the fulfillment of the Conditions Precedent (as defined below) or to the waiver of these conditions, if applicable, will acquire in cash 2,455,794 of the 2,728,660 Eurosic shares held by Debiopharm (the "Debiopharm Acquisition");
  • a share purchase agreement with Latricogne SCI ("Latricogne") under the terms of which the Company, subject to the fulfillment of the Conditions Precedent (as defined below) or to the waiver of these conditions, if applicable, will acquire in cash 1,000,000 of the 2,100,000 Eurosic shares held by Latricogne (the "Latricogne Acquisition"); and

■ a purchase agreement for marketable securities with GMF Vie, MMA Vie, MAAF Vie, MAAF Assurances and GMF Assurances (together "Covéa") under the terms of which the Company, subject to the fulfillment of the Conditions Precedent (as defined below) or to the waiver of these conditions, if applicable, will acquire in cash (i) all the 10,507,943 Eurosic shares held by Covéa and (ii) all the subordinated bonds redeemable in shares issued by Eurosic in September and November 2016 (the "OSRA 2016," together with the OSRA 2015, the "OSRA") held by Covéa, i.e., 2,325,183 OSRA 2015 and 8,724,360 OSRA 2016 (the "Covéa Acquisition," together with the Batipart Acquisition, ACM Acquisition, Prédica Acquisition, Latricogne Acquisition, and the Debiopharm Acquisition, the "Block Acquisition").

The purchase price of the securities in cash from the main Eurosic shareholders is €51.0 per share (coupon attached) and per OSRA (OSRA 2015 coupon payable on June 29, 2017, ex-dividend and OSRA 2016 coupon payable pro rata temporis up to the Completion Date of the Block Acquisition, subject to cases of adjustment provided for in each of the Block Acquisition agreements.

The offer price represents a 2.5% premium on the valuation excluding rights and a 1.5% discount on the valuation of rights included for the Eurosic assets, as planned at the end of June 2017, i.e., an increase of around €325 million on the basis of the preliminary reports by Eurosic appraisers and a 5.6% premium on the adjusted NAV(1). The exchange ratio proposed as part of the Public Offer of Exchange takes into account the revaluation of Gecina's portfolio in the order of +€1.1 billion(2), as planned at the end of June 2017 on the basis of the preliminary reports by Gecina appraisers and since confirmed on the basis of conclusive reports.

The purchase agreement for marketable securities entered into as part of the Block Acquisition are subject, however, to the fulfillment or the waiver, if applicable, of certain conditions precedent (the "Conditions Precedent") including (i) obtaining authorization from the French Competition Authority for the takeover of Eurosic by the Company, (ii) obtaining consent for the Transaction from certain parties to certain agreements agreed by Eurosic that are impacted by the Transaction, (iii) unqualified confirmation by the independent appraiser of the equitable nature of the terms of the Sale of the Diversification Assets, of the absence of any failure to treat Eurosic shareholders equally, and of the equitable nature of the terms of the Public Offer including any mandatory squeeze-out (retrait obligatoire), (iv) the effective concurrent acquisition by the Company of blocks of shares representing at least 50.1% of the capital, (v) approval by the Eurosic Board of Directors of the conclusions of the independent appraiser's report and of the confirmation of support for the Transaction announced by the Eurosic Board of Directors during its meeting of June 20, 2017.

Each of the purchase agreements for marketable securities provides that if the Conditions Precedent are not met or deemed to be met due to waiver of all or part of the said Conditions Precedent by the party or parties concerned at the latest by October 30, 2017, the following working day, the purchase agreement for marketable securities concerned will become automatically null and void without compensation on either side, except in the case of failure by one of the parties to fulfill its obligations under the purchase agreement for marketable securities concerned.

To date, none of the Conditions Precedent has been met or lifted.

Summary table for the Block Acquisition

Number of Eurosic shares subject to the Block Acquisition
Identity of Eurosic shareholder sellers Shares OSRA
Batipart 7,861,926 3,280,158
ACM 8,356,215 839,160
Prédica 7,940,230 1,958,041
Latricogne 1,000,000 -
Debiopharm 2,455,794 -
Covéa 10,507,943 11,049,543
TOTAL 38,122,108 17 126 902
(I.E., 77.16% OF EUROSIC'S CAPITAL AT
JUNE 20, 2017, ON AN UNDILUTED BASIS)
17,126,902

(1) EPRA NNNAV at December 31, 2016, ex-dividend (€42.0 per share), taking into account the estimated cash flow of the first half (+€1.3 per share) and the revaluation of the portfolio on the basis of the elements provided by Eurosic contained in the preliminary reports of appraisers appointed by Eurosic (+€5.0 per share).

(2) 5.2% increase on the office portfolio and 25.6% increase on the residential portfolio on a like-for-like basis.

7.1.3. CONTRIBUTION COMMITMENTS

Concurrently with the signature of the contracts to purchase securities relating to the Block Acquisition, Batipart, Debiopharm, Prédica and Latricogne and the Company on June 20, 2017, signed commitments to contribute in the Public Offer, under the terms of which said shareholders agreement, subject to certain conditions, to contribute to the exchange portion of the Public Offer the balance of the Eurosic shares they respectively hold which have not been sold in the context of the Block Acquisition.

Thus:

  • Batipart signed with the Company an agreement to contribute the balance of the Eurosic shares that it holds, and that will not be sold to the Company in the context of the Batipart Acquisition, i.e., 3,666,105 shares of Eurosic, in the exchange portion of the Public Offer (the "Batipart Contribution Commitment");
  • Prédica signed with the Company an agreement to contribute the balance of the Eurosic shares that it holds, and that will not be sold to the Company in the context of the Prédica Acquisition, i.e., 1,099,807 shares of Eurosic, in the exchange portion of the Public Offer (the "Prédica Contribution Commitment");

Summary table of the Contribution Commitments

  • Latricogne signed with the Company an agreement to contribute the balance of the Eurosic shares that it holds, and that will not be sold to the Company in the context of the Latricogne Acquisition, i.e., 1,100,000 shares of Eurosic, in the exchange portion of the Public Offer (the "Latricogne Contribution Commitment"); and
  • Debiopharm signed with the Company an agreement to contribute the balance of the Eurosic shares that it holds, and that will not be sold to the Company in the context of the Debiopharm Acquisition, i.e., 272,866 shares of Eurosic, in the exchange portion of the Public Offer (the "Debiopharm Contribution Commitment" and together with the Batipart Contribution Commitment, the Prédica Contribution Commitment, the Latricogne Contribution Commitment, and the Debiopharm Contribution Commitment, constitute the "Contribution Commitments").

These Contribution Commitment are subject to the condition precedent that the Company files the Public Offer no later than October 30, 2017. They cover a total of 6,138,778 shares of Eurosic stock, which is 12.43% of the capital of Eurosic as of June 20, 2017.

Identity of the Eurosic shareholders
contributing shares
Number of Eurosic shares covered by the Contribution Commitments
Batipart 3,666,105
Prédica 1,099,807
Latricogne 1,100,000
Debiopharm 272,866
TOTAL 6,138,778
(I.E., 12.43% OF EUROSIC'S CAPITAL AT JUNE 20, 2017, ON AN UNDILUTED BASIS)

7.1.4. SALE OF THE DIVERSIFICATION ASSETS

The terms of the securities purchase agreement signed by Batipart and the Company stipulate that Eurosic will sell to Batipart (or to any Batipart subsidiary that it substitutes and for which it remains the guarantor of its obligations) all its stakes in (i) Eurosic Lagune ("Lagune"), (ii) Eurosic Investment Spain Socimi SA ("EIS"), (iii) Eurosic Management Spain SL ("EMS" and (iv) SNC Nature Hébergements 1 ("SNC NH," which together with Lagune, EIS and EMS, constitute the "Diversification Assets") (the "Sales of the Diversification Assets"). Batipart has agreed to sign, on the date of the effective execution of the Block Acquisition (the "Execution Date"), the sale contracts for the Sale of the Diversification Assets.

7.1.5. PUBLIC OFFER

At the end of the effective execution of the Block Acquisition by the Company, it is planned that the Company will launch a mandatory public offer targeting all the capital and the The total sale price of the Diversification Assets agreed on by the parties is €462,800,001, which breaks among the Diversification Assets as follows: (i) €370,979,000 for the stake in Lagune, (ii) €78,642,000 for the EIS holding, (iii) €1 for the stake in EMS, and (iv) €13,179,000 for the stake in SNC NH, subject to adjustments stipulated by the securities purchase agreement signed by Batipart and the Company (the "Sale Price of the Diversification Assets"). The Sale Price of the Diversification Assets has been calculated on the basis of the same implicit premium on the value of the portfolio as that offered by the Company, and takes into consideration the transfer taxes that will be borne by Batipart.

securities giving rights to capital and to Eurosic voting rights not yet held by the Company on that date (the "Public Offer"). It is planned that this Public Offer will include a cash portion (public tender offer) on the basis of a price per Eurosic share (coupon attached) or OSRA (subordinated bonds redeemable for common shares) (OSRA 2015 interest coupon attached, the OSRA 2015 interest coupon was paid on June 29, 2017; OSRA 2016 interest coupon detached, the OSRA 2016 interest coupon must be paid September 26, 2017) of €51, and a portion for exchange for shares (public exchange offer) on the basis of a ratio of 7 shares of the Company (coupon attached; the balance of the dividend of €2.60 per share for the year 2016 was detached on July 5, 2017) for 20 shares of Eurosic (coupon attached ) or OSRA (OSRA 2015 interest coupon attached, the OSRA 2015 interest coupon was paid on June 29, 2017; OSRA 2016 interest coupon detached, the OSRA 2016 interest coupon must be paid September 26, 2017); it is specified that this exchange ratio shall be adjusted at the time of the Public Offer in order to take into account the impact of the planned capital increase of the Company and in the cases described below.

It is specified that:

■ The purchase price per share of Eurosic tendered in the Public Offer shall be reduced by an amount equal to any dividend or any other distribution per share detached by Eurosic before the date of settlement/delivery of the Public Offer, and the exchange ratio of the Public Offer will be adjusted accordingly. The purchase price per OSRA 2015 or per OSRA 2016 shall be reduced by an amount equal to any dividend or any other distribution per share detached by the Company before the date of settlement/delivery of the Public Offer, as long as said dividend or distribution has resulted in an adjustments of the terms and conditions of the OSRA 2015 or OSRA 2016 designed to preserve the economic rights of the holders of OSRA 2015 or OSRA 2016 and the exchange ratio of the Public Offer will be adjusted accordingly.

■ The purchase price or the exchange ratio per share per OSRA 2015 or per OSRA 2016 will also be adjusted in order to take into account and neutralize the changes that may affect the shares, OSRA 2015 or OSRA 2016 occurring before the date of settlement/delivery of the Public Offer (for example, in the event of a stock split, a stock reverse split, the distribution of bonus shares for shares or any other transaction on the capital of Eurosic) or that may affect the exchange ratio, for example in the event of a transaction on the equity of Eurosic or the Company.

7.2. STRATEGIC INTEREST OF THE PROPOSED EUROSIC ACQUISITION

Eurosic is a Listed Real Estate Investment Company (Société d'Investissement Immobilier Cotée-SIIC), listed for trading on the Euronext regulated market in Paris (compartment A). Eurosic filed its 2016 Reference Document with the French Autorité des marchés financiers on April 7, 2017, under number D.17-0355.

The proposed acquisition of Eurosic constitutes a major acceleration in the growth of Gecina by strengthening its positioning as a specialist in prime office space in Paris, the leading real estate market in continental Europe. It is perfectly in line with the company's strategy to create value. The new Gecina organization implemented as of July, organized around two business segments, offices and residential, will ensure rapid integration of Eurosic's operational teams.

Eurosic represents holdings valued at €6.2 billion(1) a major portion of which consists of prime office space, located primarily in Paris and in the Western Crescent. The new entity will reach €19.5 billion in total holdings (including the pipeline of committed developments), which makes it the fourth-largest European real estate company. With €15.5 billion in office assets, Gecina is strengthening its leadership as the top European office real estate company.

The Gecina offer values the Eurosic office portfolio in Paris at around €9,900/sq.m and the Eurosic portfolio in the Paris region at around €6,600/sq.m. This acquisition reflects an implicit average yield estimated at approximately 5.1% for the office portfolio.

The combined pipeline of committed developments will total €2.5 billion. 44% will be pre-let(2), thus offering the Group additional potential for creating value and growth in its cash flow in the coming years.

In addition, this Transaction will allow Gecina to accelerate its turnover strategy for its property portfolio, with a minimum of €1.2 billion in sales(3) that is expected to be recorded within 12 months. As a result, the LTV ratio will be maintained below 40%. Additional sales for €1 billion could be planned depending on market conditions.

The Transaction will result in an expansion of nearly 10% in the Gecina float(4) and will be accretive at 10% in Net Recurring Income per share on a full year basis. It will enhance the positioning of the Group in urban office real estate, particularly in Paris, and will perfectly meet the Group's investment criteria. The end of this Transaction and the planned sales, the weight of the office segment is expected to be greater than 80% and the portion of offices located in Paris should exceed 60%. Gecina shareholders will benefit from the strong potential for creation of value from the Transaction, at a property, operational and financial level, with an immediate accretion of 10% in Net Recurring Income per share expected on a full year basis(5). The Transaction will be NAV-neutral on the basis of the asset-byasset valuation performed by Gecina.

  • (1) On the basis of the price offered at €51.0 per share, excluding the Eurosic diversification portfolio sold to Batipart.
  • (2) Including negotiations that are currently in the final stages.
  • (3) Excluding the sale of the Eurosic diversification portfolio sold to Batipart.
  • (4) Float rising from 51% to around 55%, after capital increase with pre-emptive subscription rights (DPS) and contribution to the securities portion of the mandatory public offer.
  • (5) On the basis of the 2017 guidance from Gecina, after capital increase and €1.2 billion in sales in the short term.

The Transaction will also include a reduction in the Eurosic structural costs of €12 million transferred to Batipart in the context of the sale of the diversification activities, and €5 million to €10 million in additional potential synergies per year for the combined entity.

The Eurosic development pipeline, estimated at €1.0 billion, including 11 office projects in Paris, will also advantageously round out Gecina's pipeline, and will offer the group an additional potential for value creation in the coming years. The combined pipeline of committed projects will be raised to around €2.5 billion with an expected yield of around 6%.

7.3. FINANCING CONDITIONS FOR THE PROPOSED EUROSIC ACQUISITION

In order to secure the financing for the proposed Eurosic Acquisition, the Company has signed a bridge loan agreement, which was partially refinanced on the bond market and which is also intended to be refinanced by the proceeds of a capital increase with pre-emptive subscription rights. The Company will also use €400 million in existing available credit lines(1).

7.3.1. BRIDGE LOAN AGREEMENT

On June 20, 2017, the Company signed a bridge loan agreement with Morgan Stanley Bank International Limited composed of a term line for a maximum total of €2.5 billion that can be used by draws for six months after the signing date. This loan, which may be syndicated, finances the acquisition of the shares and the OSRAs (as applicable) held in Eurosic by Batipart, Covéa, the ACM, Debiopharm, Crédit Agricole Assurances and Latricogne. It has an initial maturity of one year that can be extended by two six-month periods at the Company's option.

On June 30, 2017, €1.5 billion of this bridge loan was canceled, which corresponds to the proceeds from the bond issue executed the same day (see Section 7.3.2); thus the usable term was reduced to €1.0 billion. It is planned for this bridge loan to also be canceled for the amount of the net proceeds from the capital increase.

7.3.2. BOND ISSUE

On February 23, 2017, the Board of Directors approved the issue of bonds by the Company.

At its meeting on June 20, 2017, the Board of Directors decided to raise the maximum nominal amount of the issue, set initially at one billion euros (€1,000,000,000) to two billion five hundred million euros (€2,500,000,000) for the issuance of bonds or any other securities representing claims against the Company, whatever the maturities; this amount may be increased by an additional maximum nominal amount of five hundred million euros (€500,000,000) for the issuance of bonds or any other marketable securities representing claims on the Company with an initial maturity less than or equal to twenty-four (24) months.

Also on June 20, 2017, the Board unanimously authorized the Company to increase the size of its Euro Medium Term Notes (EMTN) program, set initially at an issue amount of four billion euros (€4,000,000,000) maximum, raising it to eight billion euros (€8,000,000,000) maximum.

On June 26, 2017, the Company received AMF approval of supplement No. 1 to the base prospectus for the EMTN program. This supplement incorporated the recent events relating to the Group and increased the size of the EMTN program to eight billion euros (€8,000,000,000), pursuant to the authorization given by the Board of Directors on June 20, 2017.

On June 27, 2017, the Company announced a bond issue for a total of €1.5 billion, comprised of three series of senior bonds issued as part of its EMTN program and listed for trading on Euronext. The financial terms of this issue were as follows: a series of bonds totaling €500 million bearing interest at the variable rate indexed to the three-month Euribor plus a margin of 0.38% and maturing in June 2022; a series of bonds for a total of €500 million bearing interest at the fixed rate of 1.375% and maturing on June 30, 2027; and a series of bonds for a total of €500 million bearing interest at a fixed rate of 2.0% and maturing on June 30, 2032. The settlement/delivery of this issue took place on June 30, 2017. The proceeds from this issue will be allocated to payment of a portion of the Eurosic acquisition price, and allowed the cancellation of the bridge loan for the same amount (see Section 7.3.1).

(1) Assuming a contribution at 50% from minority shareholders to the securities portion and 50% in the cash portion of the Public Offer.

7.3.3. CAPITAL INCREASE WITH SHAREHOLDERS' PRE-EMPTIVE SUBSCRIPTION RIGHTS

On June 21, 2017, the Company announced its intention to finance a portion of the acquisition price for Eurosic using the proceeds from a capital increase of €1 billion with pre-emptive subscription rights for shareholders.

The capital increase maintaining pre-emptive subscription rights must be the subject of a prospectus approved by the French Autorité des marchés financiers.

7.3.4. SUMMARY OF THE FINANCING

As of July 17, 2017, the financing for the proposed Eurosic Acquisition was secured as follows:

Financing source Amount available
Bond issue (see Section 7.3.2) 1.5 billion
Existing credit lines 0.4 billion(1)
Bridge loan agreement(2) (see Section 7.3.1) 1.0 billion
TOTAL 2.9 BILLION

(1) Assuming a 50% contribution from minority shareholders to the securities portion, and 50% to the cash portion of the Public Offer. (2) The bridge loan agreement is intended to be canceled in the amount of the net proceeds from the capital increase described in Section 7.3.3.

The amount of the Eurosic Acquisition is €2.9 billion(1).

7.4. RISKS RELATED TO THE EUROSIC ACQUISITION PROJECT

The principal risk factors related to the Eurosic Acquisition project are as follows:

7.4.1. THE ACQUISITION OF EUROSIC MAY FAIL TO ACHIEVE THE EXPECTED BENEFITS

The success of the acquisition of Eurosic will depend on the Group's ability to effectively integrate Eurosic into its business. Among other things, the success of the integration will depend on the Group's capacity to effectively capitalize on Eurosic's expertise in order to deliver the expected benefits of the combined business. Any difficulties encountered in the integration of Eurosic could result in lower benefits or revenues than anticipated, which could have a material adverse effect on the Group's business, results, financial condition or its ability to meet its objectives.

7.4.2. THE COMPANY HAS ONLY HAD LIMITED CONTACT WITH EUROSIC AND IT MAY BE REQUIRED TO RECORD RESTRUCTURING AND IMPAIRMENT OR OTHER CHARGES AS A RESULT OF LIABILITIES RESULTING FROM LEGACY ISSUES OR IF IT DISCOVERS LIABILITIES OR OTHER ISSUES FOLLOWING THE ACQUISITION OF EUROSIC

In order to determine its estimate of the value of the Eurosic group (and thus the prices that the Group offered to pay to Eurosic shareholders), the Group relied (without verifying) on the public information that Eurosic, as a listed company, had made public and the limited contact it had with Eurosic. No assurance can be given that those contacts enabled the Group to identify all material issues, risks, difficulties or potential liabilities related to Eurosic or that factors outside the control of Eurosic or outside of the Group's control will not later arise. If the Group has failed to identify material issues, risks, difficulties or potential liabilities it may be forced to writedown or write-off assets, restructure its operations or incur impairment or other charges that could result in reporting losses. The above-mentioned issues could result in lower operational performance than anticipated, or additional difficulties in implementing integration of the Eurosic group within its group, which could have a material adverse effect on the Group's ability to meet its objectives and on its financial condition.

(1) Assuming a 50% contribution from minority shareholders to the securities portion, and 50% to the cash portion of the Public Offer.

7.4.3. THE PRO FORMA FINANCIAL INFORMATION MAY NOT BE REPRESENTATIVE OF THE FUTURE PERFORMANCE OF THE COMBINED GROUP RESULTING FROM THE ACQUISITION OF EUROSIC

In preparing the pro forma financial information included in the Actualisation n°1 du document de référence 2016 (the "First Update to the 2016 Registration Document") relating to the acquisition of Eurosic, Gecina has made adjustments to historical financial information, in particular to the goodwill recognized by Eurosic as of December 31, 2016 and to the real estate asset value of Eurosic as of December 31, 2016, based upon currently available information and upon assumptions that its management believes are reasonable in order to reflect, on a pro forma basis (i) the impact of the acquisition of Eurosic and (ii) the financing package for the acquisition. The estimates and underlying assumptions used in the calculation of the pro forma financial information may be materially different from the Group's actual experience. Accordingly, the pro forma financial information provided is illustrative only and does not purport to indicate the results that would have actually been achieved had the transactions been completed on the contemplated dates or within the contemplated periods, nor does it reflect future performance of the Group. In addition, the pro forma financial information is unaudited and does not purport to reflect the impact of any event other than those contemplated in the non-audited pro forma financial information and the notes relating to it.

7.4.4. THE COMPLETION OF THE ACQUISITION OF EUROSIC IS SUBJECT TO THE SATISFACTION OR WAIVER OF SEVERAL CONDITIONS PRECEDENT, AND A DELAY OR FAILURE TO MEET THEM COULD HAVE AN ADVERSE IMPACT ON THE PLANNED ACQUISITION AND THE GROUP

The acquisition of 94.8% of the share capital of Eurosic (on a fully diluted basis) described in this section is subject to the satisfaction or waiver of specified conditions precedent. No assurance can be given with respect to the satisfaction of all those conditions precedent and, in particular, whether all the required authorizations will be obtained under favorable conditions for the Group or at all. The failure or the delay in the satisfaction of one of the conditions precedent or the imposition of conditions or obligations disadvantageous for the Group could prevent the fulfillment of or hamper the acquisition, which could have a material adverse effect on the business of the Group, its financial condition or its operating results.

7.4.5. SOME OF EUROSIC'S FINANCING CONTRACTS ARE SUBJECT TO CHANGE OF CONTROL PROVISIONS

Some of Eurosic's financing contracts are subject to change of control provisions that permit the lenders or bondholders to demand early repayment upon a change of control. As the acquisition of Eurosic will trigger a change of control of Eurosic, waivers must be obtained from the lenders and bondholders. If Gecina and Eurosic fail to obtain such waivers and the lenders or bondholders request early repayment, the Group will have to obtain other sources of financing to fund the repayments, which may not be available on terms comparable to those of the existing financings.

Design and creation:

Gecina 14-16, rue des Capucines – 75002 Paris – Tel: + 33 (0) 1 40 40 50 50 Adress: 16, rue des Capucines – 75084 Paris Cedex 02 www.gecina.fr

16, rue des Capucines 75084 Paris Cedex 02 Tel.: + 33 (0) 1 40 40 50 50 www.gecina.fr

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