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Crédit <strong>Agricole</strong> S.A.Update of the 2011 registration document - A03Cross-reference tableThe following table indicated the page references corresponding to the main information headingsrequired by regulation EC 809/2004 (appendix I), enacting the terms of the « Prospectus » Directive.Headings required by EC Regulation 809/2004Page number in Registrationdocument and Updates A.01 andA.02Page number in thisupdate1. Persons responsible 485 RD, 249 A01, 85 A.02 2322. Statutory Auditors 486 RD, 250 A01, 86 A.02 2333. Selected financial information3.1 Historical financial information 6 to 11 RD3.2 Interim financial Information 3 à 71 A.02 3 to 684. Risk factors 86 - 88 to 89 - 96 to 106 - 180 to 182- 186 to 254 - 273 to 275 - 283 to 284- 288 - 294 to 311 - 324 - 326 to 328- 331 to 335 - 344 to 347 - 414 - 417- 419 - 463 to 465 RD, 45 to 120A01 ; 72 A.025. Information about the issuer5.1 History and development of the issuer 2 to 3 - 13 to 15 - 438 to 439 RD5.2 Investments 148 to 149 - 173 - 267 to 269 - 287 to291 - 368 to 382 - 455 to 456 RD6. Business overview6.1 Principal activities 17 to 31 - 456 to 457 RD109 to 124166167 to 174179 to 18072 – 133 to 134138-1896.2 Principal markets 19 to 31 - 320 to 325 RD 153 to 1616.3 Exceptional factors N.A.6.4 Extent to which issuer is dependent on patents orlicenses; industrial, commercial or financial contracts6.5 Basis for any statements made by the issuer regardingits competitive position7. Organisational structure7.1 Brief description of the Group and the issuer’s positionwithin the Group224 RDN.A.16 RD, 2 to 6 A017.2 List of significant subsidiaries 118 to 143 - 145 to 146 - 258 to 259 -368 to 382 - 407 to 410 - 422 RD, 73to 74 A.028. Property, plant and equipment8.1 Information regarding any existing or planned materialproperty, plant and equipment8.2 Description of any environmental issues that may affectthe issuer’s utilisation of property, plant and equipment191 to 20331 - 316 - 342 to 343 RD 149177 to 17861 to 76 RD9. Operating and financial review 148 to 172 RD, 8 to 44 A01 71 to 1059.1 Financial condition 263 to 269 - 386 to 388 RD 128 to 1349.2 Operating income 263 to 264 - 388 RD 128 to 12910. Capital resources10.1 Information concerning the issuer’s capital resources 7 - 154 - 172 - 177 - 225 to 235 - 266- 311 - 347 to 349 - 421 RD10.2 Explanation of the sources and amounts of the issuer’scash flows10.3 Information on borrowing requirements and fundingstructure10.4 Information regarding any restrictions on the use ofcapital resources that have materially affected, or could95 to 105 – 131 to132181 to 182267 to 269 RD, 131 to 133 A01 133 to 134152 to 153 - 209 to 211 - 307 to 309RDN.A.118 to 121176Page 234 sur 237
Crédit <strong>Agricole</strong> S.A.Update of the 2011 registration document - A03Headings required by EC Regulation 809/2004materially affect, the issuer’s operations10.5 Information regarding the anticipated sources of fundsneeded to fulfil commitmentsPage number in Registrationdocument and Updates A.01 andA.02455 RD11. Research and development, patents and licenses N.A.12. Trend information 2 to 3 - 173 to 174 - 367 - 393 RD,44 A0113. Profit forecasts or estimates N.A.14. Administrative, management and supervisorybodies and senior management14.1 Information about the members of the administrative,management and supervisory bodiesand senior management14.2 Administrative, management and supervisory bodiesand senior management conflicts of interests15 Remuneration and benefits81 to 92 - 116 to 146 - 473 RD, 73 to74 A.0281 to 82 - 144 RD15.1 Amount of remuneration paid and benefits in kind 56 to 58 - 87 - 89 to 90 - 92 to 95 -108 to 115 - 183 - 350 to 357- 431RD, 75 to 84 A.0215.2 Total amounts set aside or accrued to provide pension,retirement or similar benefits16. Board and senior management practices86 to 87- 92 to 95 - 108 to 115 - 279to 281 - 345 - 350 to 357 - 400 - 419RD, 75 to 84 A.0216.1 Date of expiration of current term of office 118 to 139 - 473 RD16.2 Information about members of the administrative,management or supervisory bodies’ service contractswith the issuer or any of its subsidiaries16.3 Information about the issuer’s Audit Committee andRemuneration Committee16.4 A statement as to whether or not the issuer complieswith the corporate government regime in its country ofincorporation17. Employees17.1 Number of employees and breakdown by main type ofactivity and by site17.2 Equity interests in the issuer’s share capital and stockoptions17.3 Arrangements for involving the employees in the issuer’scapital18. Major shareholders18.1 Shareholders owning more than 5% of the share capitalor voting rights18.2 Whether the issuer’s major shareholders have differentvoting rights144 RD87 to 90 RD, 79 to 80 A.0280 to 95 - 144 RD7 - 37 to 52 - 351 - 431 RD94 - 108 - 113 to 115 - 118 to 143 -280 to 281 - 289 - 354 to 357 -400 - 460 - 463 to 465 RD113 - 177 to 180 - 280 to 281 - 354 to357 - 460 - 475 to 479 RDPage number in thisupdate108205 to 20614817995 to 9618195 to 961818 - 81 - 178 - 347 to 348 - 463 RD 96 - 1818 -178 - 180 to 182 - 347 - 441 to 442- 460 - 463 to 465 RD18.3 Control over the issuer 16 - 81 - 144 - 261- 463 RD18.4 Description of any arrangements, known to the issuer,the operation of which may at a subsequent date resultin a change in control of the issuer463 RD19. Related-party transactions 260 to 262 - 390 to 391 - 407 to 411 -422 - 466 to 469 RD20. Financial information concerning the issuer’s assetsand liabilities, financial positions and profits andlosses20.1 Historical financial information* 256 to 436 RD106142 to 143Page 235 sur 237
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