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Crédit Agricole S.A.Update of the Registration document 2011 - A03French 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 190International retail banking€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 782 815 801 644 701 755 722 753 722 736 747 770 773 754 779 762 746 769Operating expenses (521) (523) (531) (510) (489) (508) (482) (508) (478) (517) (467) (489) (495) (517) (507) (585) (507) (585)Gross operating income 261 292 270 134 212 247 240 245 244 219 280 281 278 237 272 177 239 184Cost of risk (99) (92) (160) (529) (267) (273) (274) (275) (350) (423) (362) (309) (318) (437) (578) (513) (944) (502)Equity affiliates 39 1 19 (157) 46 40 37 21 47 25 41 (4) 28 27 10 (976) 24 28Net income on other assets 32 13 8 1 7 2 (2)Change in value of goodwill (279) (485) (418) (28) (359) (275) 0Pre-tax income 201 201 129 (831) (9) 14 (450) 4 (59) (597) (41) (52) (12) (532) (295) (1 580) (679) (292)Tax (58) (66) (80) 55 (28) (82) (46) (24) (44) (52) (53) (35) (49) (197) (37) 36 (176) 26Net gain/(loss) on discontinued operations (1) 2 28 6 5 89 58 4 3 3 12 1 13 2 2Net income 143 134 51 (748) (31) (63) (407) 38 (99) (646) (91) (75) (60) (716) (332) (1 544) (853) (264)Minority interests 34 38 4 (77) (10) (12) 10 7 (2) (3) 8 15 (1) (21) (9) (20) (7) 7Net income Group share 109 96 47 (671) (21) (51) (417) 31 (97) (643) (99) (90) (59) (695) (323) (1 524) (846) (271)* Revenues and expenses in Q3-10 and Q4-10 include a technical consolidating adjustment that has no impact on GOICariparma€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 386 381 378 352 363 378 347 355 337 360 367 372 392 394 420 386 400 429Operating expenses (206) (207) (207) (250) (203) (206) (200) (212) (206) (206) (205) (218) (236) (253) (249) (268) (251) (309)Gross operating income 180 174 171 103 159 173 147 143 131 154 162 153 156 141 171 118 149 120Cost of risk (29) (29) (38) (169) (47) (49) (58) (57) (52) (55) (59) (65) (55) (53) (76) (94) (73) (89)Equity affiliatesNet income on other assets 2Change in value of goodwill (215)Pre-tax income 152 145 133 (66) 112 123 89 86 79 99 103 90 101 87 95 (190) 76 31Tax (54) (52) (28) 95 (42) (38) (30) (21) (34) (40) (42) (28) (43) (34) (28) 46 (33) 26Net gain/(loss) on discontinued operationsNet income 98 93 105 28 70 86 59 65 46 59 61 63 58 54 67 (144) 43 57Minority interests 27 26 28 8 19 23 16 17 13 16 17 17 17 15 19 (6) 12 16Net income Group share 71 67 77 20 51 62 44 48 33 42 44 45 41 39 48 (139) 31 41Page 63 sur 237