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Crédit <strong>Agricole</strong> S.A.Update of the Registration document 2011 - A03FRENCH RETAIL BANKING – LCLRevenuesRevenues€m Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12Q2/Q2H-12H1/H1Interest margin 539 537 513 516 586 586 +9.0% 1,172 +8.9%Fee and commissionincome449 443 421 404 426 415 (6.1%) 841 (5.7%)- Securities management 56 57 50 67 45 43 (24.4%) 88 (22.1%)- Insurance 136 133 130 132 128 131 (1.1%) 259 (3.7%)- Accounts management andpayment instruments257 253 241 205 253 241 (4.7%) 494 (3.1%)TOTAL 988 980 934 920 1,012 1,001 +2.2% 2,013 +2.3%41SECOND QUARTER AND FIRST HALF 2012 RESULTSINTERNATIONAL RETAIL BANKINGActivity indicators€bnCariparmaGroupEmporikiGroupOther IRBsubsidiariesTotal IRBGross loans 33.7 22.2 9.3 65.2o/w households 13.4 9.8 4.7 27.9o/w home loans 12.4 7.7 1.8 21.9o/w SMEs and small businesses 14.8 5.4 1.0 21.2o/w corporates 4.2 7.0 3.6 14.7On-balance sheet customer assets 34.9 12.6 9.6 57.1Off-balance sheet customer assets 46.7 0.7 1.1 48.5RWAs 29.5 18.7 11.7 59.9Reminder:Net income Group share at Q2-12 (€m)41 (370) 58 (271)42 SECOND QUARTER AND FIRST HALF 2012 RESULTSPage 48 sur 237
Crédit <strong>Agricole</strong> S.A.Update of the Registration document 2011 - A03SAVINGS MANAGEMENTActivity indicatorsChange in assets under management in life insurance* (€bn)213,5 216,2 216,3 216,1 218,7 218,438,1 39,0 37,5 37,7 39,8 39,2 June / JuneUnit-linked +1.1%175,4 177,2 178,8 178,5 178,9 179,2In euros +0.5%March 11 June 11 Sept 11 Dec 11 March 12 June 12* Excluding BES Vida excluded from scope in Q2-12Change in assets under management ** excluding double counting€bn June 11 Dec 11 June 12 June 12 /June 11 June 12/Dec 11Total AUM 1,066.0 1,006.4 1,039.4 (2.5%) +3.3%Total AUM (exc. double counting) 859.9 808.5 834.4 (3.0%) +3.2%** Asset management, life insurance and private banking43SECOND QUARTER AND FIRST HALF 2012 RESULTSCORPORATE AND INVESTMENT BANKINGQ2-12 results€mQ2-12PublishedQ2-12Costs of theplanRevaluation ofdebt issues andloan hedgesQ2-12restatedDiscontinuingoperationsrestatedOngoing CIBrestatedOf whichfinancingactivitiesOf which capitalmarketsRevenues 1,385 (39) 296 1,128 37 1,091 492 599Operating expenses (853) - - (853) (23) (830) (234) (596)Gross operating income 532 (39) 296 275 14 261 258 3Cost of risk (128) - - (128) (27) (101) (84) (17)Operating income 404 (39) 296 147 (13) 160 174 (14)Equity affiliates 40 - - 40 - 40 40 -Net income on other assets 12 - - 12 - 12 1 11Change in value of goodwill - - - - - - - -Tax (168) 14 (107) (75) 6 (81) (69) (12)Net income 288 (25) 189 124 (7) 131 146 (15)Minority interests (1) (1) 4 (4) - (4) (5) 1Net income Group share 289 (24) 185 128 (7) 135 151 (16)44 SECOND QUARTER AND FIRST HALF 2012 RESULTSPage 49 sur 237
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