C Ré D It a G Ric O Le S .A . in 2 0
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2005 facts and figures > The Crédit Agricole group 1 Introduction 3 Profile 4 Message from the Chairman and the Chief Executive Officer 6 2005 key figures and share data 10 2005: growth momentum confirmed Panorama of our six core businesses 5 0 0 16 Six business lines 2 18 French retail banking – Crédit Agricole Regional Banks n i 24 French retail banking – LCL . A 30 Specialised financial services . S 36 Asset management, insurance and private banking e l 42 Corporate and investment banking – Calyon o c 48 International retail banking i r g 51 Other business activities A t i d Exercising our social and environmental responsibility é r 53 Issues facing Crédit Agricole C business review 54 Governance 58 The sustainable development approach 60 Compliance, security and safety 20 61 Equator Principles 62 Shareholders and investors 63 Customers and suppliers 05 68 Employees 72 The environment 75 Responsibility to society 78 GRI and NRE cross-reference table Crédit Agricole S.A. 5 0 / A french limited company with a share capital of e 4,491,966,903 I R Paris Trade and Company Registry No. 784 608 416 D - 91-93, boulevard Pasteur – 75015 Paris – France 1 . 9 Tel. 33 (0) 1 43 23 52 02 – www.credit-agricole-sa.fr 7 3 7 . 2 2005 facts and figures > The Crédit Agricole group 1 Introduction 3 Profile 4 Message from the Chairman and the Chief Executive Officer 6 2005 key figures and share data 10 2005: growth momentum confirmed Panorama of our six core businesses 5 0 0 16 Six business lines 2 18 French retail banking – Crédit Agricole Regional Banks n i 24 French retail banking – LCL . A 30 Specialised financial services . S 36 Asset management, insurance and private banking e l 42 Corporate and investment banking – Calyon o c 48 International retail banking i r g 51 Other business activities A t i d Exercising our social and environmental responsibility é r 53 Issues facing Crédit Agricole C business review 54 Governance 58 The sustainable development approach 60 Compliance, security and safety 20 61 Equator Principles 62 Shareholders and investors 63 Customers and suppliers 05 68 Employees 72 The environment 75 Responsibility to society 78 GRI and NRE cross-reference table Crédit Agricole S.A. 5 0 / A french limited company with a share capital of e 4,491,966,903 I R Paris Trade and Company Registry No. 784 608 416 D - 91-93, boulevard Pasteur – 75015 Paris – France 1 . 9 Tel. 33 (0) 1 43 23 52 02 – www.credit-agricole-sa.fr 7 3 7 . 2 Operations in 66 countries Asia-Pacific Crédit Agricole, a unified and decentralised group Australia Malaysia China Philippines Europe - Beijing Singapore Crédit Agricole is the largest banking organisation in France with a North America Austria Portugal - Guangzhou Taiwan Canada Belgium Russia - Shanghai Thailand presence across the entire spectrum of banking and finance activities. United States Czech Republic - Moscow - Shenzhen Vietnam - Chicago Denmark - Saint Petersburg - Tianjin It is the European leader in terms of domestic market position and - Dallas Finland Serbia Middle-East - Xiamen Hong Kong - Houston France Slovakia Bahrain India ranks number two in Europe and fifth in the world in terms of capital. - Los Angeles Germany Spain Egypt - Ahmedabad - Miami Greece Sweden Iran - Chennai - New York Ireland Switzerland Israel - Delhi Italy Ukraine Saudi Arabia - Mumbai South America Hungary United Kingdom Turkey Crédit Agricole S.A. is responsible for ensuring a consistent develop- Indonesia Argentina Luxembourg United Arab Emirates Japan ment strategy and financial unity throughout the Crédit Agricole Brazil Monaco Yemen Chile Norway Africa - Osaka - Tokyo Colombia Netherlands Algeria Ivory Coast group. Crédit Agricole pursues a strategy of sustainable, profitable Korea Mexico Poland Tunisia Gabon Uruguay Morocco Madagascar growth through a unified approach between the Regional Banks and Venezuela Cameroon Senegal Congo South Africa the Group’s specialist business line subsidiaries. Djibouti p u 41Bellis Regional corrumper Bankset ossifragi The Crédit Agricole group o r At 31/12/2005 g No1 The Crédit Agricole group 2,583 Local Banks 5.7 million e comprises Crédit Agricole S.A. high street l and all the Regional and Local members bank in France o Banks. c i r g A t 134,300 i employees d é Fédération 41 Regional Banks Float** throughout r Nationale du the world C Crédit Agricole e h T ** including 25%* 54.7% 45.3% treasury via SAS Rue La Boétie shares 21 Crédit Agricole S.A. million customers Crédit Agricole S.A. holds 25% of each of the Regional Banks* and 100% of its subsidiaries. It has six core business lines: At 31/12/2005 Crédit Agricole Crédit French retail French retail Specialised Asset manage- Corporate International banking – banking – LCL financial ment, insurance and investment retail banking group Agricole S.A. Regional services and private banking banking Net banking income e25.9 billion e13.7 billion 9,100 Banks* Sofinco, Finaref, CAAM, Predica, Calyon Crédit Agricole Pacifica, BGPI, Net income, Group share e6.0 billion e3.9 billion Leasing, Eurofactor branches CA (Suisse) S.A. Shareholders’ equity, Group share e51.2 billion e30.7 billion Other specialised subsidiaries: Cedicam, Crédit Agricole Immobilier, CA Private Equity, Uni-Editions Employees (full-time equivalents) 134,300 62,112 * Except for Caisse régionale de la Corse Operations in 66 countries Asia-Pacific Crédit Agricole, a unified and decentralised group Australia Malaysia China Philippines Europe - Beijing Singapore Crédit Agricole is the largest banking organisation in France with a North America Austria Portugal - Guangzhou Taiwan Canada Belgium Russia - Shanghai Thailand presence across the entire spectrum of banking and finance activities. United States Czech Republic - Moscow - Shenzhen Vietnam - Chicago Denmark - Saint Petersburg - Tianjin It is the European leader in terms of domestic market position and - Dallas Finland Serbia Middle-East - Xiamen Hong Kong - Houston France Slovakia Bahrain India ranks number two in Europe and fifth in the world in terms of capital. - Los Angeles Germany Spain Egypt - Ahmedabad - Miami Greece Sweden Iran - Chennai - New York Ireland Switzerland Israel - Delhi Italy Ukraine Saudi Arabia - Mumbai South America Hungary United Kingdom Turkey Crédit Agricole S.A. is responsible for ensuring a consistent develop- Indonesia Argentina Luxembourg United Arab Emirates Japan ment strategy and financial unity throughout the Crédit Agricole Brazil Monaco Yemen Chile Norway Africa - Osaka - Tokyo Colombia Netherlands Algeria Ivory Coast group. Crédit Agricole pursues a strategy of sustainable, profitable Korea Mexico Poland Tunisia Gabon Uruguay Morocco Madagascar growth through a unified approach between the Regional Banks and Venezuela Cameroon Senegal Congo South Africa the Group’s specialist business line subsidiaries. Djibouti p u 41Bellis Regional corrumper Bankset ossifragi The Crédit Agricole group o r At 31/12/2005 g No1 The Crédit Agricole group 2,583 Local Banks 5.7 million e comprises Crédit Agricole S.A. high street l and all the Regional and Local members bank in France o Banks. c i r g A t 134,300 i employees d é Fédération 41 Regional Banks Float** throughout r Nationale du the world C Crédit Agricole e h T ** including 25%* 54.7% 45.3% treasury via SAS Rue La Boétie shares 21 Crédit Agricole S.A. million customers Crédit Agricole S.A. holds 25% of each of the Regional Banks* and 100% of its subsidiaries. It has six core business lines: At 31/12/2005 Crédit Agricole Crédit French retail French retail Specialised Asset manage- Corporate International banking – banking – LCL financial ment, insurance and investment retail banking group Agricole S.A. Regional services and private banking banking Net banking income e25.9 billion e13.7 billion 9,100 Banks* Sofinco, Finaref, CAAM, Predica, Calyon Crédit Agricole Pacifica, BGPI, Net income, Group share e6.0 billion e3.9 billion Leasing, Eurofactor branches CA (Suisse) S.A. Shareholders’ equity, Group share e51.2 billion e30.7 billion Other specialised subsidiaries: Cedicam, Crédit Agricole Immobilier, CA Private Equity, Uni-Editions Employees (full-time equivalents) 134,300 62,112 * Except for Caisse régionale de la Corse Welcome to the new world of banking our 2006-2008strategicdevelopment plan. fullyontrackfor weare ambitions andfinancialstrength, the Gr in Europe. ef afittingand providing development ofthebankingindustry, inthe I firmlybelievethatCréditAgricolewillplayakeyrole René Carr Georges Pauget, fective r The successful integration of Crédit Lyonnais hasgiven The successfulintegrationofCrédit Lyonnais excellentperformancein2005, In thelightofGroup’s on, oup anewdimension.Combining ourcommercial Chairman, CréditAgricoleS.A. Chief ExecutiveOfficer esponse tothefutur e requirements ofconsumers e requirements 2005 Business r eview Crédit AgricoleS.A. 1 a resounding success. a resounding Itstransformation hasbeen of CréditLyonnais. andthentheintegration acquisition ofFinaref stock market,followedbythe the French on starting withitsinitialpublicoffering four yearsofradicalchangeand reorganisation, Crédit AgricoleS.A.hasjustcompleted Leading from the front to open up new opportunities With the Regional Banks - which make up France’s leading banking network - the LCL network and its specialist subsidiaries, Crédit Agricole S.A. is a leading player in France and Europe in retail banking and related businesses such as consumer credit, specialised financial services, asset mana- gement, private banking and insurance. Its Calyon