PDF (3.77 Mo) - Le CrÃ©dit Agricole

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Crédit <strong>Agricole</strong> S.A.Update of the Registration document 2011 - A03FINANCIAL STRUCTUREData per shareJune 2011 Dec 2011 June 2012Number of shares (end period) 2,497,972,151 2,498,020,537 2,498,020,537Average number of shares (used tocompute earnings per share)2,390,216,267 2,434,681,792 2,475,587,234Net asset value per share €18.7 €17.1 €17.9Net tangible asset value per share €10.4 €9.4 €10.2Net income Group share €1,339m (€1,470m) €363mNet income per share €0.56 (€0.60) €0.1537SECOND QUARTER AND FIRST HALF 2012 RESULTSFRENCH RETAIL BANKING– REGIONAL BANKSCustomer assets and loans outstandingCustomer assets (€bn) *Loans outstanding (€bn)€bnJune11Sept.11Dec.11March12June12June/June€bnJune11Sept.11Dec.11March12June12June/JuneSecurities 44.7 41.5 39.7 43.8 41.3 (7.7%)Mutual funds andREITs42.3 40.5 38.1 38.1 36.7 (13.2%)Life insurance 156.0 154.7 156.8 156.7 155.5 (0.3%)Off balance sheetassets243.0 236.7 234.6 238.6 233.5 (3.9%)Home loans 208.2 211.3 214.1 216.2 217.1 +4.3%Consumer credit 17.2 16.9 17.0 16.6 16.4 (4.6%)SME and smallbusinesses84.2 85.3 84.6 84.9 83.9 (0.3%)Farming loans 34.4 34.6 33.5 33.8 34.6 +0.5%Demand deposits 80.4 82.0 84.6 79.8 81.7 +1.6%Local authorities 39.7 40.3 41.4 42.2 42.3 +6.5%Home purchasesavings schemes76.3 76.1 77.2 76.6 75.9 (0.5%)TOTAL 383.7 388.4 390.6 393.7 394.3 +2.8%Passbook accounts 89.4 91.1 93.0 94.2 95.0 +6.2%Time deposits 55.6 56.7 60.8 67.0 68.3 +22.9%Balance sheetassets301.7 305.9 315.6 317.6 320.9 +6.4%TOTAL 544.7 542.6 550.2 556.2 554.4 +1.8%* Excluding customer financial instruments38SECOND QUARTER AND FIRST HALF 2012 RESULTSPage 46 sur 237
Crédit <strong>Agricole</strong> S.A.Update of the Registration document 2011 - A03FRENCH RETAIL BANKING– REGIONAL BANKSCustomer fee incomeCustomer fee and commission income by quarter€m Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12Q2/Q2H-12H1/H1Services and otherbanking transactions177 123 222 163 185 217 +75.8% 402 +34.0%Securities 103 96 98 88 90 78 (18.2%) 168 (15.5%)Insurance 593 550 526 624 578 522 (5.1%) 1 100 (3.7%)Account management andpayment instruments522 585 465 507 513 484 (17,3%) 997 (10.0%)TOTAL 1,395 1,354 1,311 1,382 1,366 1,301 (3.9%) 2,667 (3.0%)39SECOND QUARTER AND FIRST HALF 2012 RESULTSFRENCH RETAIL BANKING – LCLCustomer assets and loan outstandingsCustomer assets (€bn)€bnJune11Sept.11Dec.11March12June12June/JuneSecuritites 8.6 7.5 7.7 8.1 7.8 (9.2%)Mutual funds and REITs 22.4 19.5 18.3 18.6 17.2 (23.3%)Life insurance 49.8 49.3 48.6 48.6 48.9 (1.9%)Loan outstandings (€bn)€bnSMEs and smallbusinessesJune11Sept.11Dec.11March12June12June/June27.6 28.3 27.2 26.8 26.7 (3.1%)Consumer credit 7.0 7.0 7.1 6.9 6.9 (2.2%)Off-balance sheetassets80.8 76.3 74.6 75.3 73.9 (8.6%)Home loans 52.5 53.5 53.5 53.7 54.2 +3.1%TOTAL 87.1 88.8 87.8 87.4 87.8 +0.7%Demand deposits 27.0 28.2 30.5 30.0 30.2 +12.2%Home purchase savingsschemes8.6 8.5 8.3 8.5 8.4 (1.7%)Bonds 0.4 1.2 1.7 2.1 2.1 nmPassbook accounts 22.9 23.3 24.9 24.3 24.5 +7.0%Time deposits 9.4 10.4 10.8 12.4 12.4 +31.6%Balance sheet assets 68.3 71.6 76.2 77.3 77.6 +13.7%TOTAL 149.1 147.9 150.8 152.6 151.5 +1.6%40SECOND QUARTER AND FIRST HALF 2012 RESULTSPage 47 sur 237
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