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Crédit Agricole S.A.Update of the 2011 registration document - A03Note 4Segment reportingDefinition of operating segmentsAccording to IFRS 8, information disclosed is based on the internal reporting that is used by theExecutive Committee to manage Crédit Agricole S.A., to assess performance and to make decisionsabout resources to be allocated to the identified operating segments.Operating segments according to the internal reporting consist of the business lines of the Group.Crédit Agricole S.A.’s activities are organised into seven operating segments:• six business lines:• French retail banking – Regional Banks,• French retail banking – LCL Network,• International retail banking,• Specialised financial services,• Asset management, insurance and private banking,• Corporate and investment banking;• plus the Corporate centre.Presentation of business lines1. French retail banking – Regional BanksThis business line comprises the Regional Banks and their subsidiaries.The Regional Banks provide banking services for individual customers, farmers, small businesses,corporates and local authorities, with a very strong local presence.The Crédit Agricole Regional Banks provide a full range of banking and financial services, includingsavings products (money market, bonds, equity), life insurance, lending (particularly mortgage loansand consumer finance), and payment services. In addition to life insurance, they also provide a broadrange of property & casualty and death & disability insurance.2. French retail banking – LCL NetworkThis business line comprises the LCL branch network in France, which has a strong focus on urbanareas and a segmented customer approach (individual customers, small businesses and small andmedium-sized enterprises).LCL offers a full range of banking products and services, together with asset management, insuranceand wealth management products.3. International retail bankingThis business line encompasses foreign subsidiaries and investments – fully consolidated or equityaccountedentities – that are mainly involved in retail banking.These subsidiaries and investments are mostly in Europe (Emporiki Bank in Greece, Cariparma,FriulAdria and Carispezia in Italy, Crédit Agricole Polska in Poland, Banco Espirito Santo in Portugal,Bankoa and Bankinter in Spain, Center and Crédit Agricole Belge in Belgium, PJSC Crédit AgricoleBank in Ukraine, Crédit Agricole Banka Srbija a.d. Novi Sad in Serbia) and, to a lesser extent, in theMiddle East and Africa (Crédit du Maroc and Crédit Agricole Egypt, etc.). The foreign subsidiaries inconsumer finance, lease finance and factoring (subsidiaries of Crédit Agricole Consumer Finance, ofCrédit Agricole Leasing & Factoring and EFL in Poland, etc.) are however not included in this divisionbut are reported in the “Specialised financial services” segment.Page 153 sur 237