2010 ACTIVITY REPORT Our Network Our Expertise
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2010 ACTIVITY REPORT our network our expertise 9, quai du Président Paul Doumer www.ca-cib.com 92920 Paris La Défense Cedex Profile [The ProfileGroup’s organisation] [The Group’s organisation] The Crédit Agricole Group is market leader in full-service The Crédit Agricole Group is market leader in full-service retail banking in France and one of the largest banks in Europe. retail banking in France and one of the largest banks in Europe. 6.1 million cooperative 6.1 million cooperative shareholders form the basis shareholders form the basis With operations in 70 countries, the Crédit Agricole Group is of CréditWith Agricole’s operations in 70 countries, the Crédit Agricole Group is of Crédit Agricole’s cooperative organisational 55.9 % cooperative organisational 55.9 % a leading partner in supporting clients with their projects in all a leading partner in supportingof Crédit clients AgriCole with S.A.’S StheirhAre CA pitprojectsAl in all of Crédit AgriCole S.A.’S ShAre CApitAl structure. They own the viA holding CompAny SAS rue lA Boétie. structure. They own the viA holding CompAny SAS rue lA Boétie. areas of retail banking and associated specialised business capitalareas of theof 2,533retail Regional banking and associated specialised business capital of the 2,533 Regional lines: day-to-day banking, savings, home and consumer loans, Bankslines: in day-to-daythe form of shares banking, savings, home and consumer loans, Banks in the form of shares insurance, private banking, asset management, leasing and andinsurance, select their private banking, asset management, leasing and and select their factoring, and corporate and investment banking. representativesfactoring, andeach year. corporate and investment30.9% banking. representatives each year. 30.9% A total of 32,496 directors 43.7% A total of 32,496 directors 43.7% convey their expectations of Crédit AgriCole S.A. ShAre CApitAl convey their expectations of Crédit AgriCole S.A. ShAre CApitAl On the strength of its cooperative and mutualist foundations, withinOn the theGroup. strength of its cooperative and mutualist foundations,• Institutional within the Group. • Institutional the Crédit Agricole Group’s expansion is underpinned by the Crédit Agricole Group’s expansion is underpinnedinvestors by : 30.9% investors : 30.9% The local banks own the 55.9% • Individual The local banks own the 55.9% • Individual balanced growth serving the real economy and respecting majoritybalanced of the Regionalgrowth serving the real economy and8.2% respectingshareholders : 8.2% majority of the Regional 8.2% shareholders : 8.2% the interests of its 54 million customers, 1.2 million shareholders, Banks’the interests share capital. of its 54 million customers, 1.2 million shareholders,• Employees via employee Banks’ share capital. • Employees via employee mutual funds : 4.6% mutual funds : 4.6% 6.1 million cooperative shareholders and of its 160,000 The6.1 39 million Regional Bankscooperative are shareholders and of4.6% its 160,000 The 39 Regional Banks are 4.6% cooperative regional banks cooperative regional banks employees. thatemployees. offer their customers 0.4% that offer their customers 0.4% a comprehensive range a comprehensive range Crédit Agricole is included in the three main sustainable of productsCrédit and Agricole services. is included in the three main sustainable0.4 % of products and services. 0.4% The discussion body for the treASury ShAreS The discussion body for the treASury ShAreS development indices: Aspi Eurozone since 2004, FTSE4Good Regionaldevelopment Banks is the indices: Aspi Eurozone since 2004, FTSE4Good Regional Banks is the since 2005 and the DJSI since 2008 (Europe and worldwide). Fédérationsince 2005 Nationale and du the DJSI since 2008 (Europe and worldwide). Fédération Nationale du It is ranked the eighth most sustainable corporation in the world CréditIt is rankedAgricole, where the eighth most sustainable corporation in the world Crédit Agricole, where and No. 1 in France in the 2011 Global 100 List. theand Group’s No. main 1 in directions France in the 2011 Global 100 List. the Group’s main directions are decided. are decided. Listed since December 2001, Crédit Agricole S.A. ensures the cohesion of Listed since December 2001, Crédit Agricole S.A. ensures the cohesion of the strategic development and the Group’s financial unity. Crédit Agricole S.A. the strategic development and the Group’s financial unity. Crédit Agricole S.A. manages and consolidates its subsidiaries in France and abroad. manages and consolidates its subsidiaries in France and abroad. www.credit-agricole.com www.credit-agricole.com Retail banking Specialised Corporate and Retail banking Specialised Corporate and business lines investment banking business lines investment banking In France In France - 25% of share capital in the Specialised financial services - Coverage and Investment - 25% of share capital in the Specialised financial services - Coverage and Investment Regional Banks (excl. the Regional - Consumer finance Banking Regional Banks (excl. the Regional - Consumer finance Banking Bank of Corsica) - Lease finance - Equity Brokerage and Bank of Corsica) - Lease finance - Equity Brokerage and - LCL - Factoring Derivatives - LCL - Factoring Derivatives - Fixed Income Markets - Fixed Income Markets International retail banking Savings management - Structured Finance International retail banking Savings management - Structured Finance - Cariparma FriulAdria group - Asset management - Cariparma FriulAdria group - Asset management - Emporiki - Insurance - Emporiki - Insurance - Crédit du Maroc - Private banking - Crédit du Maroc - Private banking - Crédit Agricole Egypt - Crédit Agricole Egypt - Lukas Bank - Lukas Bank €3.6 billion €71.5 billion 10.3 % €3.6 billion €71.5 billion 10.3 % Specialised subsidiaries Specialised subsidiaries net income - group share shareholders’ equity - group share tier one ratio net income - group share shareholders’ equity - group share tier one ratio Crédit Agricole Immobilier, Crédit Agricole Private Equity, Idia-Sodica, Uni-Editions. Crédit Agricole Immobilier, Crédit Agricole Private Equity, Idia-Sodica, Uni-Editions. RACA010_page groupe GB_BAT.indd 1 28/02/11 RACA010_page 12:24:16 RACA010_page groupe GB_BAT.indd groupe 1GB_BAT.indd 2 28/02/11 12:24:1628/02/11 RACA010_page 12:25:37 groupe GB_BAT.indd 2 28/02/11 12:25:37 Profile [The Group’s organisation] The Crédit Agricole Group is market leader in full-service retail banking in France and one of the largest banks in Europe. 6.1 million cooperative shareholders form the basis With operations in 70 countries, the Crédit Agricole Group is of Crédit Agricole’s cooperative organisational 55.9 % a leading partner in supporting clients with their projects in all of Crédit AgriCole S.A.’S ShAre CApitAl structure. They own the viA holding CompAny SAS rue lA Boétie. areas of retail banking and associated specialised business capital of the 2,533 Regional lines: day-to-day banking, savings, home and consumer loans, Banks in the form of shares insurance, private banking, asset management, leasing and and select their factoring, and corporate and investment banking. representatives each year. 30.9% A total of 32,496 directors 43.7% convey their expectations of Crédit AgriCole S.A. ShAre CApitAl On the strength of its cooperative and mutualist foundations, within the Group. • Institutional the Crédit Agricole Group’s expansion is underpinned by investors : 30.9% The local banks own the 55.9% • Individual balanced growth serving the real economy and respecting majority of the Regional 8.2% shareholders : 8.2% the interests of its 54 million customers, 1.2 million shareholders, Banks’ share capital. • Employees via employee mutual funds : 4.6% 6.1 million cooperative shareholders and of its 160,000 The 39 Regional Banks are 4.6% cooperative regional banks employees. that offer their customers 0.4% a comprehensive range Crédit Agricole is included in the three main sustainable of products and services. 0.4% The discussion body for the treASury ShAreS development indices: Aspi Eurozone since 2004, FTSE4Good Regional Banks is the since 2005 and the DJSI since 2008 (Europe and worldwide). Fédération Nationale du It is ranked the eighth most sustainable corporation in the world Crédit Agricole, where and No. 1 in France in the 2011 Global 100 List. the Group’s main directions are decided. Listed since December 2001, Crédit Agricole S.A. ensures the cohesion of the strategic development and the Group’s financial unity. Crédit Agricole S.A. manages and consolidates its subsidiaries in France and abroad. www.credit-agricole.com Retail banking Specialised Corporate and business lines investment banking In France - 25% of share capital in the Specialised financial services - Coverage and Investment Regional Banks (excl. the Regional - Consumer finance Banking Bank of Corsica) - Lease finance - Equity Brokerage and - LCL - Factoring Derivatives - Fixed Income Markets International retail banking Savings management - Structured Finance - Cariparma FriulAdria group - Asset management - Emporiki - Insurance - Crédit du Maroc - Private banking - Crédit Agricole Egypt - Lukas Bank €3.6 billion €71.5 billion 10.3 % Specialised subsidiaries net income - group share shareholders’ equity - group share tier one ratio Crédit Agricole Immobilier, Crédit Agricole Private Equity, Idia-Sodica, Uni-Editions. RACA010_page groupe GB_BAT.indd 1 28/02/11 12:24:16 RACA010_page groupe GB_BAT.indd 2 28/02/11 12:25:37 Contents Contents reaffirming