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Dec 11RetainedearningsMutual sharesissuesChange inunderlyinggains orlossesAdjustmentplanSale ofcorrelationbookChange inactivity andotherJune 12Crédit Agricole S.A.Update of the Registration document 2011 - A03CRÉDIT AGRICOLE GROUPIncome statement for Q2-12 and H1-12€m Q2-12 Q2/Q2 H1-12 H1/H1Revenues 8,398 (8.1%) 17,492 (3.5%)Operating expenses (5,319) +0.0% (10,545) (0.0%)Gross operating income 3,079 (19.5%) 6,947 (8.2%)Cost of risk (1,394) (12.4%) (3,504) +25.5%Operating income 1,685 (24.5%) 3,443 (28.0%)Equity affiliates 74 +12.4% 137 +5.3%Net income on other assets 44 nm 40 nmChange in value of goodwill (6) (98.4%) (6) (98.4%)Pre-tax income 1,797 (6.0%) 3,614 (20.2%)Tax (880) (9.1%) (1,881) (3.0%)Net gain on discontinued operations 2 (87.1%) 4 (69.2%)Net income 919 (4.4%) 1,737 (33.2%)Net income Group share 863 (2.1%) 1,667 (30.8%)5SECOND QUARTER AND FIRST HALF 2012 RESULTSCRÉDIT AGRICOLE GROUPSolvency ratios• Core Tier 1 ratio: 11.3% at 30 June 2012(Basel 2.5), 110 basis points higher than at31 December 2011• New issues of mutual shares in Q2-12 (~ €250m),for a total impact of 8 basis points on Core Tier 1in H1-12• Adjustment plan for CIB and SFS ongoing(impact: +19 basis points)• Sale of market risk of correlation book completed(impact: +38 basis points)• EBA ratio: 10.7% at 30 June 2012Solvency ratios (Basel 2.5*)13,8% 13,5% 13,9% 14,3%11,9% 11,9% 12,4% 12,7%10,4%10,9% 11,3%10,2%June 11 Dec 11 March 12 June 12CRD Ratio o/w Tier 1 o/w Core Tier 1* Implementation of CRD3 as from 31 December 2011Change in Core Tier 1 in H1-12• Target CET1 Basel 3 (fully loaded)reaffirmed: > 10% by end-201310,2%+26bp+8bp+9bp+19bp+38bp+10bp11,3%6SECOND QUARTER AND FIRST HALF 2012 RESULTSPage 30 sur 237