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Crédit Agricole S.A.Update of the 2011 registration document - A03Exposure to non-sovereign risk on Greece, Ireland, Portugal, Italy, Spain, Cyprus, HungaryCrédit Agricole S.A. Group’ exposure to the non-sovereign risk on European countries under watch is detailed below. Itrelates to portfolios of debt instruments and loans and receivables granted to customers and credit institutions. Tradingexposures and off-balance sheet commitments are excluded from this analysis. The breakdown by country is performedby country of counterparty risk.BANKING ACTIVITIES (Credit risk)(in millions of euros)Grossoutstandingo/w impairedgrossoutstanding30/06/2012 31/12/2011Individual andcollectiveimpairmentImpairmentrate on grossoutstandingNetoutstandingNetoutstandingGreece (including Cyprus) 26,313 8,629 4,959 (1) 18.85% 21,354 23,843 (1)Banks 575 - 78 13.57% 497 1,654Customer loans 12,077 5,809 3,050 25.25% 9,027 10,072Corporates and large corporatesexcl. paragovernmental 12,973 2,815 1,715 13.22% 11,258 11,284Corporates and large corporatesparagovernmental 601 - 111 18.47% 490 747Local authorities 87 5 5 5.75% 82 86Ireland 3,555 42 40 1.13% 3,515 3,419Banks 25 - - 0.00% 25 2Customer loans 6 2 2 33.33% 4 3Corporates and large corporatesexcl. paragovernmental 3,524 40 38 1.08% 3,486 3,414Corporates and large corporatesparagovernmental - - - - -Local authorities - - - - -Italy 71,940 6,054 3,665 5.09% 68,275 69,228Banks 2,134 - 2 0.09% 2,132 2,120Customer loans 43,040 4,942 3,121 7.25% 39,919 41,055Corporates and large corporatesexcl. paragovernmental 25,524 906 459 1.80% 25,065 24,836Corporates and large corporatesparagovernmental 512 14 9 1.76% 503 430Local authorities 730 192 74 10.14% 656 787Spain 8,021 347 364 4.54% 7,657 8,351Banks 331 - - 0.00% 331 411Customer loans 588 34 28 4.76% 560 564Corporates and large corporatesexcl. paragovernmental l 6,351 275 327 5.15% 6,024 6,528Corporates and large corporatesparagovernmental 321 - - 0.00% 321 310Local authorities 430 38 9 2.09% 421 538Portugal 1,806 155 122 6.76% 1,684 1,802Banks 123 - - 0.00% 123 150Customer loans 1,369 138 95 6.94% 1,274 1,372Corporates and large corporatesexcl. paragovernmental 314 17 27 8.60% 287 280Corporates and large corporatesparagovernmental - - - - -Local authorities - - - - -Hungary 831 - 1 0.12% 830 808Banks 128 - - 0.00% 128 102Customer loans 2 - - 0.00% 2 1Corporates and large corporatesexcl. paragovernmental 675 - 1 0.15% 674 652Corporates and large corporatesparagovernmental 26 - - 0.00% 26 26Local authorities - - - - 27TOTAL 112,466 15,227 9,151 8.14% 103,315 107,450(1) Of which €326 million and €12 million as regards the country risk and business sector provision on June 30th, 2012and on December 31st, 2011 respectively.Page 172 sur 237
Crédit Agricole S.A.Update of the 2011 registration document - A03BANKING ACTIVITIES (Debt instruments)The disclosed amounts include the carrying amount in the balance sheet of debt instruments classified inavailable-for-sale financial assets and in held-to-maturity financial assets.(in millions of euros)Exposure onbonds, net ofdepreciation30/06/2012 31/12/2011Exposure onother debtinstruments netof depreciationNet exposureon debtinstrumentsNet exposureon debtinstrumentsGreece (including Cyprus) 241 - 241 872Corporates and large corporatesexcl. paragovernmentalCorporates and large corporatesparagovernmentalBanks 66 - 66 643Customer loans - - - -175 - 175 229- - - -Local authorities - - - -Ireland 32 87 119 367Corporates and large corporatesexcl. paragovernmentalCorporates and large corporatesparagovernmentalBanks 1 - 1 77Customer loans - - - -- 87 87 259- - - -Local authorities 31 - 31 31Italy 1,695 209 1,904 2,589Corporates and large corporatesexcl. paragovernmentalCorporates and large corporatesparagovernmentalBanks 1,576 49 1,625 2,201Customer loans - - - -119 160 279 388- - - -Local authorities - - - -Spain 1,173 12 1,185 2,740Corporates and large corporatesexcl. paragovernmentalCorporates and large corporatesparagovernmentalBanks 1,173 - 1,173 2,666Customer loans - - - -- 12 12 74- - - -Local authorities - - - -Portugal 170 69 239 420Corporates and large corporatesexcl. paragovernmentalCorporates and large corporatesparagovernmentalBanks 170 1 171 354Customer loans - - - -- - - -- 68 68 66Local authorities - - - -Hungary - 108 108 222Corporates and large corporatesexcl. paragovernmentalCorporates and large corporatesparagovernmentalBanks - 108 108 221Customer loans - - - -- - - -- - - 1Local authorities - - - -TOTAL 3,311 485 3,796 7,210Page 173 sur 237
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UPDATE A03Financial reviewat 30 Jun
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JUNE 2012JUNE 2012JUNE 2012JUNE 201
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Total regulatory capital before ded
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