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Crédit Agricole S.A.Update of the 2011 registration document - A03Diversification by business sectorThe breakdown of commercial lending portfolio (including banking counterparties outside the Group) bybusiness sector covers 90% of the total portfolio. The breakdown reflects the business sector on risk ofcommercial lending to customers.risk of commercial lending to customers.Secteur d'activité 30/06/2012 Secteur d'activité 31/12/2011Retail customers 31% Retail customers 32%Non merchant service / Publicsector / Local authorities11%Non merchant service / Publicsector / Local authoritiesBanks and financial institutions 9% Banks and financial institutions 8%Energy 8% Energy 8%Other non banking financialinstitutions6%Other non banking financialinstitutionsOther 4% Automobile 3%Automotive 3% BTP 3%Construction 3%Retail and customer goodsindustries3%Retail and customer goodsindustries3% Other 3%Real estate 3% Real estate 3%Heavy industry 3% Heavy industry 3%Shipping 3% Shipping 3%Aeronautics / Aerospace 2% Aeronautics / Aerospace 2%Food processing 2% Food processing 2%Insurance 2% Insurance 2%Other industries 1% Telecoms 2%Other transportation 1% Other industries 1%IT / Technology 1% Other transportation 1%Media / Publishing 1% Wood / Paper / Packaging 1%Healthcare / Pharmaceuticals 1% IT / Technology 1%Telecoms 1% Media / Publishing 1%Tourism / Hotels / Restaurants 1% Healthcare / Pharmaceuticals 1%Total 100 % Tourism / Hotels / Restaurants 1%11%5%Total 100%Breakdown of loans and receivables by type of customersGross loans and receivables outstanding (excluding Crédit Agricole internal transactions) rose by 4.2% in thefirst half of 2012. They totalled €543 billion at 30 June 2012 compared with €521 billion at 31 December2011. This growth came mainly from banks and financial institutions, other non banking financial institutionsand to a lesser extent central banks. It was partially offset by a decline in loans to large corporates and toretail customers.Individual impaired exposure (€25.6 billion at 30 June 2012 compared to €24.8 billion at 31 December 2011)increased by 3.2% during the first half of 2012. At 30 June 2012, impairment booked on an individual basis(€14.2 billion at 30 June 2012 compared to €13.5 billion at 31 December 2011) increased by 5.2% over thesame period, while collective impairments amounted to €3.7 billion at 30 June 2012 (i.e. up 4.7% during thefirst half of 2012).A breakdown of loans and receivables by type of customer is provided in Note 5.3 of the notes to thefinancial statements.Page 111 sur 237