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Crédit Agricole S.A.Update of the 2011 registration document - A035.9 Property, plant & equipment and intangible assets (excluding goodwill)(in millions ofeuros) 31/12/2011Changesinscope (2)Property, plant & equipment used inoperationsIncreases(acquisitions,businesscombinations)Decreases(disposalsand Translationredemptions) adjustmentOther Balance atmovements (3) 30/06/2012Gross amount 9,592 (17) 335 (464) 26 102 9 574Amortisation andimpairment (1) (4,422) 8 (312) 290 (16) (48) (4,500)NET CARRYINGAMOUNT 5,170 (9) 23 (174) 10 54 5,074Intangible assetsGross amount 4,670 (98) 218 (50) 10 (15) 4,735Amortisation andimpairment (2,802) 40 (207) 21 (8) 1 (2,955)NET CARRYINGAMOUNT 1,868 (58) 11 (29) 2 (14) 1,780(1) Including depreciation on fixed assets let to third parties.(2) The change in scope is related to the exit of BES Vida in the second quarter of 2012 for -€10 million euroson net property, plant & equipment and for 58 million euros on net intangible assets.(3) Inclusion of temporarily vacant property net of impairment corresponding to expired or terminated financelease contracts for €68 million.(in millions ofeuros) 31/12/2010Changesinscope (2)Property, plant & equipment used inoperationsIncreases(acquisitions,businesscombinations)Decreases(disposalsand Translationredemptions) adjustmentOther Balance atmovements (3) 31/12/2011Gross amount 9,342 108 935 (1,086) - 293 9,592Amortisation andimpairment (1) (4,140) (63) (661) 617 (1) (174) (4,422)NET CARRYINGAMOUNT 5,202 45 274 (469) (1) 119 5,170Intangible assetsGross amount 4,060 137 420 - 3 50 4,670Amortisation andimpairment (2,317) 1 (395) (39) (2) (50) (2,802)NET CARRYINGAMOUNT 1,743 138 25 (39) 1 - 1,8681) Including depreciation on fixed assets let to third parties.(2) At Cariparma, FriulAdria and Carispezia, allocation of goodwill as an intangible asset for a total amount of€133 million. Intangible assets arising from mark-to-market adjustments to assets and liabilities acquiredare amortised over the same period and according to the same method used to amortise other intangibleassets of the same class.At Carispezia, inclusion of property, plant & equipment for a gross value of €108 million and relatedamortisations for -€63 million.(3) Inclusion of temporarily vacant property corresponding to expired or terminated finance lease contracts for€146 million.At Predica, current account reclassification of SCI Imefa 128 regarding the Procession building fromOperating building to Investment property for -€38 million.At Amundi, de-netting of €53 million of amortisation on intangible assets previously recognised at net value.Page 178 sur 237
Crédit Agricole S.A.Update of the 2011 registration document - A035.10 Provisions(in millions d’euros) 31/12/2011Home purchase savingsplansFinancing commitmentexecution risksChange inscope IncreasesReversals,amountsused380 - - -219Reversals,amounts Translationnot used adjustment(82)Othermovements 30/06/2012- - 298- 53 (1) (34) (4) -Operational risk (1) 73 - 9 (2) (5) - (3) 72Employee retirementand similar benefits (2) 1,861 - 117 (157) (99) 2 175Litigation (3) 1,208 (17) 55 (9) (30) 8 (22) 1,193Equity investments 25 - 2 (1) - - 1 27Restructuring (4) 80 - 11 (8) (9) - (10) 64Other risks 952 (3) 122 (53) (126) 3 3 898TOTAL 4,798 (20) 369 (231) (385) 9 144 4,684(1) The main contributors are LCL and Specialised financial services (lease finance, factoring and investor services).(2) Employee retirement and similar benefits” includes:- post-employment benefits under defined-benefit plans, amoung which €183 million in “other movements” on actuarialgains and losses linked, on June 30th, 201,2 to the significant decrease of reference rates used for the assessment of thecommitments relative to long-term benefit regimes;- provisions related to the adjustment plan of Crédit Agricole CIB for €215 million and to the voluntary departure plan inCariparma for €54 million.(3) Litigation” includes:- in "change in scope" for €17 million mainly the impact linked to the sale of BES Vida- in “other movements" the transfer of a litigation provision to an impairment on customer loans for -€17 million andthetransfer of a litigationprovision to a provision for other risks for -€6 million euros.(4) The provision for restructuring includes in particular €54 million to Crédit Agricole Consumer Finance within the frameworkof the adjustment plan, €5 million at LCL and €3 million at CACEIS Deutschland.2331,899((in millions of euros) 31/12/2010Change inscope (4) IncreasesReversals,amountsusedReversals,amounts Translationnot used adjustmentOthermovements (5) 31/12/2011Home purchase savingsplans 468 - 10 - (98) - - 380Financing commitmentexecution risks 264 - 167 (10) (197) (5) - 219Operational risk (1) 83 3 14 (7) (21) - 1 73Employee retirementand similar benefits (2) 1,775 33 401 (239) (179) 1 69 1,861Litigation 990 3 318 (54) (101) 4 48 1,208Equity investments 20 - 5 - - - - 25Restructuring (3) 18 - 79 (15) (2) - - 80Other risks 874 11 432 (149) (175) 4 (45) 952TOTAL 4,492 50 1,426 (474) (773) 4 73 4,798(1) The main contributors are LCL and Specialised financial services (lease finance, factoring and investor services).(2) “Employee retirement and similar benefits” includes post-employment benefits under defined-benefit plans as well asprovisions for obligations to employees arising from the LCL competitiveness plan and the adjustment plan at CréditAgricole CIB for €286 million.(3) The provision for restructuring includes €57 million for CA Consumer Finance for the adjustment plan and €10 million forBFT.(4) Changes in scopeMovements in the change of scope for the most part involve the inclusion of Carispezia for €32 million and the branchcontributions at Cariparma for €16 million.(5) Other movements:• Employee retirement and similar benefits: €69 million are primarily related to the actuarial gains on the defined benefitplans;• Litigation and other risks: including €48 million corresponding primarily to transfers of other risks to various litigation.Page 179 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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