PDF (3.77 Mo) - Le Crédit Agricole
PDF (3.77 Mo) - Le Crédit Agricole
PDF (3.77 Mo) - Le Crédit Agricole
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Crédit <strong>Agricole</strong> S.A.Update of the Registration document 2011 - A03Quarterly seriesCrédit <strong>Agricole</strong> S.A. Group€m Q1-08 Q2-08 Q3-08 Q4-08 Q1-09 Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12Revenues 4 110 3 249 3 999 4 598 4 061 4 559 4 828 4 494 4 824 5 469 4 977 4 859 5 304 5 531 5 285 4 663 5 425 4 751Operating expenses (3 218) (3 147) (3 124) (3 146) (2 978) (2 986) (3 053) (3 165) (3 162) (3 405) (3 198) (3 422) (3 276) (3 330) (3 226) (3 780) (3 207) (3 272)Gross operating income 892 102 875 1 452 1 083 1 573 1 775 1 329 1 662 2 064 1 779 1 437 2 028 2 201 2 059 883 2 218 1 479Cost of risk (446) (365) (740) (1 614) (1 085) (1 127) (1 189) (1 288) (1 074) (980) (973) (750) (822) (1 125) (1 851) (1 859) (1 770) (1 164)Equity affiliates 343 205 347 (27) 321 43 275 208 425 284 368 (1 012) 441 269 244 (725) 415 225Net income on other assets 422 14 (7) (1) 3 2 47 15 (159) (9) (9) 1 (8) (3) 15 (5) 41Change in value of goodwill (1) (279) (485) (1) (4) (414) (27) (359) (1 575) 0Pre-tax income 1 211 (44) 474 (469) 322 491 423 263 850 954 1 165 (361) 1 648 978 449 (3 261) 858 581Tax (205) 231 (52) 92 (82) (230) (121) 222 (270) (459) (292) 144 (520) (587) (114) 195 (595) (409)Net gain/(loss) on discontinued operations (2) 2 28 6 5 89 58 4 3 2 12 (4) 17 1 0 2 2Net income 1 006 185 424 (349) 246 266 391 543 584 498 875 (205) 1 124 408 336 (3 066) 265 174Minority interests 114 109 59 (40) 44 65 102 110 114 119 133 123 124 69 78 1 13 63Net income Group share 892 76 365 (309) 202 201 289 433 470 379 742 (328) 1 000 339 258 (3 067) 252 111French retail banking – Regional Banks€m Q1-08 Q2-08 Q3-08 Q4-08 Q1-09 Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12RevenuesOperating expensesGross operating incomeCost of riskEquity affiliates 271 167 136 103 265 162 222 172 333 181 232 211 374 200 218 216 372 173Net income on other assetsChange in value of goodwillPre-tax income 271 167 136 103 265 162 222 172 333 181 232 211 374 200 218 216 372 173Tax (70) (27) (87) (5)Net gain/(loss) on discontinued operationsNet income 201 140 136 103 178 157 222 172 333 181 232 211 374 200 218 216 372 173Minority interestsNet income Group share 201 140 136 103 178 157 222 172 333 181 232 211 374 200 218 216 372 173French retail banking - LCL€m Q1-08 Q2-08 Q3-08 Q4-08 Q1-09 Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Q4-10 Q1-11 Q2-11 Q3-11 Q4-11 Q1-12 Q2-12Revenues 912 950 901 952 935 969 933 1 012 965 1 006 951 1 023 988 980 934 920 1 012 1 001Operating expenses (645) (613) (623) (651) (648) (615) (627) (660) (641) (641) (645) (648) (612) (623) (620) (642) (616) (630)Gross operating income 267 336 277 301 287 354 306 352 324 365 306 375 376 357 314 278 396 371Cost of risk (43) (40) (51) (66) (99) (102) (95) (139) (96) (83) (90) (90) (80) (75) (62) (69) (78) (66)Equity affiliatesNet income on other assets (2) 1 (1) 1Change in value of goodwillPre-tax income 224 297 227 235 188 252 211 213 228 282 216 283 296 282 252 210 317 306Tax (67) (89) (68) (70) (56) (76) (63) (64) (69) (84) (65) (85) (91) (88) (79) (73) (102) (107)Net gain/(loss) on discontinued operationsNet income 157 208 159 165 132 176 148 149 159 198 151 198 205 194 173 137 215 199Minority interests 8 11 9 7 7 9 7 7 8 10 7 10 10 10 8 7 11 9Net income Group share 149 197 150 158 125 167 141 142 151 188 144 188 195 184 165 130 204 190Page 62 sur 237
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