Environmental indicators

Indicators below have been audited by PriceWaterhouseCoopers. More
- Improved data collection
- Consolidated indicators
- Description of data collection

Improved data collection

Crédit Agricole S.A. Group has published its energy and water consumption since 2007 (regarding consumption in 2006). The published consumption figures correspond to the following scope:
• Crédit Agricole Assurances premises in France;
• Crédit Agricole CIB premises in the Paris region;
• premises and branches of Crédit Agricole Consumer Finance;
• premises in the Paris region spread across the four sites occupied by the Group and its subsidiaries, managed by Crédit Agricole Immobilier.
Unlike last year, consumption data for Emporiki Bank was not available for publication.
The floor space used for buildings corresponds to the gross leasable area (GLA) indicated in the lease.

Consolidated indicators

The indicators chosen relate to consumption:
• of electricity;
• of gas;
• of heating networks;
• of cooling networks;
• of fuel oil (used only for heating purposes, not including consumption by power generators);
• of water.
All energy consumption is reported based on the bills issued by energy suppliers.
A consistency review was carried out for the first time this year on the waste consumption of Crédit Agricole Immobilier. The data will be published in the next Registration Document.
In addition, the electricity consumption and, for the first time, water consumption of some IT centres in France are once again published. The data has been isolated from the rest of the consumption figures, given the high consumption of these centres, and to avoid distorting energy ratios.

Description of data collection

Energy and water consumption indicators are presented in the form of tables summarising consumption in 2010 by entity. The energy data for each year is expressed in kWh per m² and per year in order to facilitate comparison. Water statistics are expressed in m3 per m² and per year. Consolidated data is spread over a period of 12 months, from 1 December 2009 to 30 November 2010. Only consumption billed directly to Group entities is shown in the tables. Consumption included in rental charges is not stated separately at present. Energy consumption is also consolidated in the form of an indicator expressed in tonnes of CO2 equivalent, depending on the different energy sources.

ELECTRIC POWER CONSUMPTION OF DATA CENTRES IN 2010

Consommations électriques des centres informatiques
Ratio in kWh/m²/year	Crédit Agricole Assurances	Crédit Agricole CIB	Crédit Agricole Consumer fiance	Crédit Agricole Immobilier
2009	Not measurable	Not measurable *	1248	4073
2010	Not measurable	Not measurable *	2221	4095
Change	Not measurable *	Not measurable *	77,99%	0,54%

*Since the computer centres of Crédit Agricole Assurances and Crédit Agricole CIB are not separate from the office buildings, their consumption has been directly consolidated in the table below..
Crédit Agricole Consumer Finance
The increase in consumption of Crédit Agricole Consumer Finance is due to the consolidation of the Sofinco and Finaref IT data centres, following their merger.

2010 ENERGY CONSUMPTION

Consommations énergétiques
ENERGIE		Crédit Agricole Assurances	Crédit Agricole CIB	Crédit Agricole Consumer finance	Crédit Agricole Consumer immobilier
Electricity	Area measured in %	100	100	100*	100*
	Area measured in m²	27 424	55 941	96 781	464 288
	Consumption in kWh	7 573 144	24 501 536	16 698 520	97 669 366
	Ratio in kWh/m²/year	276	438	173	210
	t éq. CO2/an	364**	1458**	802**	4985**
Gas	Area measured in %	Not applicable	Not applicable	100	100
	Area measured in m²			17 454	79 589
	Area measured inkWh			185 331	3 565 984
	Ratio in kWh/m²/year			11	45
	t éq. CO2/an			37**	720**
Heating network	Area measured in %	Not applicable	100	Not applicable	100
	Area measured in m²		4 500		104 435
	Consommations en kWh		451 633		10 747 190
	Ratio en kWh/m²/year		100		103
	t éq. CO2/an		88**		2 113**
Cooling network	Area measured in %	Not applicable	Not applicable	Not applicable	100
	Area measured in m²				40 284
	Consumption in kWh				2 567 000
	Ratio in kWh/m²/year				64
	t éq. CO2/an				46**
Fuel oil	Area measured in %	Not applicable	Not applicable	Not applicable	Not applicable
	Ratio en kWh/m²/year
	t éq. CO2/year

*Percentage of surface area excluding computer centres.

** Data calculated from the ADEME guide on emissions factors (Version 6 of June 2010).

In 2010, the gas and heating network consumption of Crédit Agricole Assurances ceased, as the buildings concerned were no longer in the data collection scope.

COMPARISON WITH 2009

Consommations électriques des centres informatiques - comparatif avec 2008
ENERGy in kWh/m²/year		Crédit Agricole Assurances	Crédit Agricole CIB	Crédit Agricole Consumer finance	Crédit Agricole Immobilier
Electricity	2009	140	438	184	209
	2010	276	438	173	210
	Change	97,25 %	0%	(6,23%)	0,65%
Gas	2009	86	Not applicable	10	57
	2010	Not applicable	Not applicable	11	45
	Change	Not applicable	Not applicable	6,18%	(21,39%)
Heating network	2009	72	94	Not applicable	89
	2010	Not applicable	100	Not applicable	103
	Change	Not applicable	6,77%	Not applicable	15,63%
Cooling network	2009	Not applicable	Not applicable	Not applicable	40
	2010	Not applicable	Not applicable	Not applicable	64
	Change	Not applicable	Not applicable	Not applicable	59,31%
Fuel oil	2009	Not applicable	Not applicable	Not applicable	Non concerné
	2010	Not applicable	Not applicable	Not applicable	Non concerné
	Change	Not applicable	Not applicable	Not applicable	Non concerné

Crédit Agricole Assurances
The increase in electricity consumption is mainly due to the inclusion of a new computer centre site in the data collection scope.
Crédit Agricole Immobilier
Since the decision to adopt the new master plan in 2009 and the start of its implementation in late 2010, measures taken to restore or improve energy performance at certain sites have not been implemented. In addition, the more extreme weather conditions are to blame for the higher consumption of electricity and of heating and cooling networks.

WATER CONSUMPTION OF IT DATA CENTRES IN 2010


in m3/m²/year	Crédit Agricole Assurances	Crédit Agricole CIB	Crédit Agricole Consumer finance	Crédit Agricole Immobilier
Ratio 2010	Not measurable*	Not measurable*	0,26	0,28

*The consumption of the Crédit Agricole Assurances and Crédit Agricole CIB IT data centres is directly included under water consumption in the table below.

WATER CONSUMPTION IN 2010

Consommations d’eau
Year	Crédit Agricole Assurances	Crédit Agricole CIB	Crédit Agricole Consumer finance	Crédit Agricole Immobilier
Area measured in %	48	100	69*	73*
Area measured in m²	13 075	55 941	66 480	326 118
Consumption in m3	4 239	35 013	19 437	241 614
Ratio en m3/m²/year	0,32	0,63	0,29	0,74

*Percentage of surface area excluding IT data centres.

COMPARISON WITH 2009

Consomation d'eau : comparatif avec 2008
		Crédit Agricole Assurances	Crédit Agricole CIB	Crédit Agricole Consumer finance	Crédit Agricole Immobilier
Water in m3/m²/an	2009	0,38	0,65	0,37	0,77
	2010	0,32	0,63	0,29	0,77
	Change(%)	(14,68 %)	(3,71%)	(20,98%)	(3,78%)

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