PDF (3.77 Mo) - Le CrÃ©dit Agricole

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Crédit <strong>Agricole</strong> S.A.Update of the 2011 registration document - A034.2 Insurance activitiesGross income from insurance activitiesInsurance activities(in millions of euros)30/06/2012 31/12/2011 30/06/2011Premium written 11,116 24,345 13,822Change in unearned premiums (313) (130) (374)Earned premiums 10,803 24,215 13,448Other operating income 6 29 61Investment income 4,098 8,567 4,052Investment expenses (270) (315) (205)Gains (losses) on disposal of investments net of impairment andamortisation reversalsChange in fair value of investments at fair value through profit orloss(347) 794 6821,700 (3,161) (60)Change in impairment on investments (242) (6,164) (718)Investment income after expenses 4,939 (279) 3,751Claims paid (13,058) (19,920) (14,858)Income on business ceded to reinsurers 154 267 165Expenses on business ceded to reinsurers (238) (458) (230)Net income (expense) on business ceded to reinsurers (84) (191) (65)Contract acquisition costs (896) (1,821) (920)Amortisation of investment securities and similar (3) (8) (4)Administration expenses (585) (1,232) (539)Other current operating income (expense) (273) 9 (71)Other operating income (expense) 28 (1) 3OPERATING INCOME 877 801 806Financing costs (87) (170) (86)Share of net income of associates - - -Income tax charge (242) (282) (247)CONSOLIDATED NET INCOME 548 349 473Minority interests 2 (49) (7)NET INCOME GROUP SHARE 546 398 480Page 158 sur 237
Crédit <strong>Agricole</strong> S.A.Update of the 2011 registration document - A03Insurance company investments(in millions of euros)Carryingamount30/06/2012 31/12/2011Gainsrecognised inothercomprehensiveincomeLossesrecognised inothercomprehensiveincomeCarryingamountGainsrecognised inothercomprehensiveincomeLossesrecognised inothercomprehensiveincomeAvailable-for-salefinancial assets 146,783 7,661 (5,703) 148,295 4,288 (7,884)Treasury bills and similarsecutiries 12,441 115 (1,911) 26,287 107 (2,655)Bonds and other fixedincomesecurities 118,592 6,378 (2,410) 105,215 3,087 (3,223)Equities and othervariable-income securities 13,314 747 (1,245) 14,560 737 (1,927)Non-consolidated quityinvestments 2,436 421 (137) 2,233 357 (79)(in millions of euros)Carryingamount30/06/2012 31/12/2011MarketvalueCarryingamountMarketvalueHeld-to-maturity finacial assets 15,174 17,343 15,322 16,886Bonds and other fixed-income securities 3,124 3,643 3,187 3,595Treasury bills and similar secutiries 12,050 13,700 12,135 13,291Impairment - - - -Loans and receivables 8,761 8,789 7,360 7,352Investment property 2,971 5,143 2,494 4,507Carrying amount(in millions of euros) 30/06/2012 31/12/2011Financial assets at fair value through profit or loss (including upon initialrecognition) 63,039 62,830Asset backing unit-linked contracts (1) 32,116 40,372Securities bought under repurchase agrements 0 0Treasury bills and similar securities 5,259 4,755Bonds and other fixed-income securities 18,184 9,975Equities and other variable-income securities 6,676 6,935Derivative instruments 804 793Carrying amount(in millions of euros)30/06/2012 31/12/2011Total insurance company investments 236,728 236,301(1) Debt issues relating to assets held by Group insurers on behalf of policyholders included in unit-linkedcontracts were eliminated at 30 June 2012 for an amount of €7 billion.Page 159 sur 237
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UPDATE A03Financial reviewat 30 Jun
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Crédit Agricole S.A.Update of the
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JUNE 2012JUNE 2012JUNE 2012JUNE 201
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Total regulatory capital before ded
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