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Crédit Agricole S.A.Update of the 2011 registration document - A03Home purchase saving plan provisionDeposits collected under home purchase savings accounts and plans during the savings phase(in millions of euros) 30/06/2012 31/12/2011Home purchase savings plansUnder four years old 5,078 2,542Between four and ten years old 25,904 48,594Over ten years old 38,590 19,120Total home purchase savings plans 69,571 70,256Total home purchase savings accounts 13,729 13,810TOTAL DEPOSITS COLLECTED UNDER HOME PURCHASE SAVINGSCONTRACTS83,300 84,066Age is determined in accordance with CRC Regulation 2007-01 of 14 December 2007.Customer deposits outstanding are based on carrying amount at the end of May 2012 for the financial statements at 30June 2012 and at the end of November 2011 for the financial statements at 31 December 2011 and do not includegovernment subsidy.Outstanding loans granted to holders of home purchase savings accounts and plans(in millions of euros) 30/06/2012 31/12/2011Home purchase savings plans 57 66Home purchase savings accounts 265 277TOTAL OUTSTANDING LOANS GRANTED UNDER HOME PURCHASE321 343SAVINGS CONTRACTSProvision for home purchase savings accounts and plans(in millions of euros) 30/06/2012 31/12/2011Home purchase savings plansUnder 4 years old - -Between 4 and 10 years old - 48Over 10 years old 277 300Total home purchase savings plans 277 348Total home purchase savings accounts 21 32TOTAL PROVISION FOR HOME PURCHASE SAVINGS CONTRACTS 298 380Age is determined in accordance with CRC Regulation 2007-01 of 14 December 2007.The reversal of the home purchase savings provision at 30 June 2012 is the result of an update to thecalculation model.The main changes in the model concern the revision of run-off distributions relating to home purchasesavings plans and accounts, along with the inclusion of a liquidity component in order to reflect currentmarket conditions.(in millions of euros)31/12/2011 Increase ReversalsOthermovements 30/06/2012Home purchase savings plans 348 - (71) - 277Home purchase savings accounts 32 - (11) - 21TOTAL PROVISION FOR HOME PURCHASESAVINGS CONTRACTS380 - (82) - 298In Crédit Agricole Group’s internal financial organisation, 100% of deposits in home purchase savings plansand accounts collected by the Regional Banks are included in Crédit Agricole S.A.’s liabilities and thesavings deposits shown in the tables above therefore take all of these amounts into account. Conversely,Crédit Agricole S.A. assumes risk only on a portion of these outstandings (28.7% at 30 June 2012 and29.1% at 31 December 2011). The balance is carried by the Regional Banks: only the amount representingthe actual exposure is provisioned in Crédit Agricole S.A.’s financial statements. Consequently, the ratiobetween the provision booked and the outstanding amounts shown on Crédit Agricole S.A. Group’s balancesheet is not representative of the level of provisioning for home purchase savings risk.Page 180 sur 237
Crédit Agricole S.A.Update of the 2011 registration document - A035.11 EquityOwnership structureAt 30 June 2012, to the knowledge of Crédit Agricole S.A., the distribution of capital and voting rights is asfollowsShareholdersNumber ofsharesat 31/12/2011% of theshare capital% ofvoting rightsSAS Rue La Boétie 1,405,263,364 56.26% 56.48%Treasury shares 9,782,319 0.39%Employees (ESOP) 125,884,016 5.04% 5.06%Public 957,090,838 38.31% 38.46%TOTAL 2,498,020,537 100.00% 100.00%SAS Rue La Boétie is wholly-owned by the Crédit Agricole Regional Banks. Due to the capital structure ofthe Group and the resulting break in the of chain of control, the participation of the Regional Banks in SASRue La Boétie is maintained in the consolidated financial statements of Crédit Agricole S.A. for its equityshare.The treasury shares are held as part of Crédit Agricole S.A.’s share buyback programme designed to coverstock options and as part of a share liquidity agreement.The par value of the shares is 3 euros. All the shares are fully paid up.To the Company’s knowledge, no other shareholder owns 5% or more of the share capital or voting rights,either directly or indirectly or with others.Preferred sharesIssuerDate of issueIssueamount(in millions ofdollars)Issueamount(in millions ofeuros)30/06/2012(in millions ofeuros)31/12/2011(in millions ofeuros)CA Preferred Funding LLC January 2003 1,500 1,191 1,159CA Preferred Funding LLC July 2003 550 437 425CA Preferred Funding LLC December 2003 550 550 550Crédit Lyonnais Preferred capital 1 LLC (1) April 2002 750 750TOTAL 2,050 1,300 2,178 2,884(1) Dissolution of this company in the course of May, 2012..Page 181 sur 237
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Total regulatory capital before ded
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