PDF (3.77 Mo) - Le CrÃ©dit Agricole

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Crédit Agricole S.A.Update of the Registration document 2011 - A03TRENDS IN RISKCost of risk on loans outstandingInternational retail banking* (in bp)391296282 306 111242 250239186 186 192214 21928033295237Consumer credit (in bp)36630875220 230 229 227 216 211 216 241 21244421031965291 260264Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12-26 -10Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12* Excl. impact of European support plan to Greece in 2011 and 2012 Impact of the adjustment plan Impact of the business sector and country risk provision& additional provision on AgosCIB (in pb)Financing activities (customer loans outstanding) (in bp)8592 100 8670626660374026222416 16 16388Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12452926178 119(8)(6)Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-1257SECOND QUARTER AND FIRST HALF 2012 RESULTSTRENDS IN RISKCrédit Agricole S.A.: Breakdown of risksBy geographic region June 12France (excl. retail banking) 32%Western Europe (excl. Italy) 19%France (retail banking) 16%Italy 12%North America 7%Asia et Oceania except Japan 5%Africa and Middle-East 4%Eastern Europe 3%Central and South America 1%Japan 1%Total 100%By business sector June 12Retail banking 31%Non-merchant service / Public sector / Local authorities 11%Banks 9%Energy 8%Other non banking financial activities 6%Others 4%Shipping 3%Automotive 3%Real estate 3%Heavy industry 3%Construction 3%Retail and consumer goods 3%Aerospace 2%Food 2%Insurance 2%Other transport 1%Other industries 1%Telecoms 1%Healthcare / pharmaceutical 1%Tourism / hotels / restaurants 1%IT / computing 1%Media / edition 1%Total 100%58SECOND QUARTER AND FIRST HALF 2012 RESULTSPage 56 sur 237
Crédit Agricole S.A.Update of the Registration document 2011 - A03TRENDS IN RISKMarket risk exposure• Crédit Agricole S.A.’s VaR (99% - 1 day) is computed by taking into account theimpacts of diversification between the Group’s various entities• Var (99% - 1 day) at 30 June 2012: €15m for Crédit Agricole S.A.Change in the risk exposure of Crédit Agricole S.A.’s capital market activities€mVAR (99% - 1 day)1 January to 30 June 2012Minimum Maximum Average 30 June 201231 Dec. 2011Fixed income 7 17 12 12 8Credit 4 16 7 6 13Foreign Exchange 1 7 3 5 4Equities 2 6 3 2 3Commodities 1 5 3 1 5Mutualist VaR forCrédit Agricole S.A.11 25 15 15 2059SECOND QUARTER AND FIRST HALF 2012 RESULTSTRENDS IN RISKUpdate of sovereign risk exposures in accordance with the previous EBAstress tests - Crédit Agricole Group• Exposure of the banking Group on a consolidated basis at 30 June 2012€mo/w Bankingbook**Net exposures*30/06/2012o/w TradingbookTotalo/w Bankingbook**Net exposures*31/12/2011o/w TradingbookGreece (1) 31 - 31 114 1 115Ireland 154 - 154 160 - 160Portugal (2) 150 4 154 620 8 628Italy (3) 4,048 339 4,387 3,824 128 3,952Spain (4) 134 107 241 147 - 147Total 4,517 450 4,967 4,865 137 5,002Total* Net exposure is equal to value on the balance sheet** Excluding market risk hedges(1) Exposure at 30/06/2012 does not include securities issued by the EFFS (European Fund for Financial Stability) received in exchange for Greek bonds in Q1-12(2) The change in exposures between31/12/2011 and 30/06/12 results mainly from maturing exposures(3) The change in exposures between31/12/2011 and 30/06/12 results mainly from the change in fair value(4) The exposure at 31/12/2011 has been restated for an inaccurately disclosedexposure to Spanish local authorities for €134m and to Italy for €10m60SECOND QUARTER AND FIRST HALF 2012 RESULTSPage 57 sur 237
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PDF (3.77 Mo) - Le CrÃ©dit Agricole

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