Social indicators

Breakdown of the worldwide workforce (FTE) by region as at 31 December 2007

France’s proportion of the Group total was 47.2% at end-2007, down from 53.3% at end-2006.

Changes in the workforce

	2007		2006
Business line	Recruitment of permanent staff	Incoming/ existing ratio * – permanent	Recruitment of permanent staff	Incoming/ existing ratio * – permanent
French retail banking	1 315	6.3 %	1 394	5.7 %
International retail banking	4 318	17.3 %	3 545	20.7 %
Specialised financial services	1 384	15.8 %	992	13.2 %
Insurance, asset management and wealth management	927	14.3 %	714	14.0 %
Corporate and investment banking	1 640	18.9 %	1 640	18.3 %
Proprietary asset management and other activities	387	10.3 %	174	6.5 %
Crédit Agricole S.A. Group	9 971	13.6 %	8 459	12.9 %
France	3 092	8.2 %	3 089	7.9 %
International	6 878	19.1 %	5 370	20.2 %
Business scope outside France	95 %		89 %

* Ratio: number of incoming staff (permanent and contract) in year N relative to average yearly headcount for the business scope concerned in year N.

Professional equality

	Proportion of women (%)	% of workforce covered
Employees
Permanent employees	53.3 %	95 %
Group executive committee	2 sur 21	100 %
Management circles 1 and 2*	12.6 %	100 %
Top 10% of highest earning employees in each subsidiary	24.0 %	87 %

* Management circles comprise members of executive committees, members of management committees and the key frameworks of each entity. Around 700 employees belong to circles 1 and 2.

Projected number of employees who will reach the age 60 over the next 10 years

The projection for the next ten years shows that the number of employees reaching 60 will rise sharply (by 330%) between 2009
(600 employees) and 2012 (2,000 employees) before stabilising at 1,900 employees per year on average from 2013 to 2015.

Absenteeism by reason and category – excludi ng annual leave and reducti on of working hours (RTT)

Absenteeism (number of calendar days)

	2007							2006
Reason for absence	Management		Non-management		Total		Ave. days’ absence	total		Ave. days’ absence
	Women	Men	Women	Men	No.	%		No.	%
Illness of less than 3 days	2 718	2 390	7 390	2 568	15 066	2.5 %	0.4	21 606	3.2 %	0.5
Illness of more than 3 days	41 758	36 890	177 599	54 040	310 287	51.3 %	7.8	357 623	53.1	8.8
Accidents during travel to or from the workplace	825	443	4 779	1 103	7 150	1.2 %	0.2	9 603	1.4 %	0.2
Accidents in the workplace	1 286	634	6 029	1 677	9 626	1.6 %	0.2	9 942	1.5 %	0.2
Maternity/ paternity	68 074	3 375	116 054	1 792	189 295	31.3 %	4.8	192 981	28.7 %	4.8
Authorised leave	12 535	12 518	22 891	6 886	54 830	9.0 %	1.4	56.161	8.3 %	1.4
Other reasons	7 092	5 233	3 576	2 824	18 725	3.1 %	0.5	25 867	3.8 %	0.6
Total	134 288	61 483	338 318	70 890	604 979	100 %	15.3	673 423	100 %	16.6
% of business scope in France	94 %							97 %

The average number of days of absence per employee was 15 in 2007 (including 5 days for maternity leave).

The overall number of days of absence fell by 10.2%. The decline related to all categories but was more significant in "illness of 3 days or less" (down 30%) and "illness of more than 3 days" (down 13%).

Training

2007

Number of hours training	Management	Non-management	Total
Women	298 948	239 171	538 119
Men	308 606	153 665	462 271
Total	607 554	392 836	1 000 390

% périmètre France : 98 %

In 2007, 35,423 staff received training, or nearly 85% of active permanent staff at year-end, up from 81% in 2006.

The number of hours of training provided in 2007 decreased by 11% relative to 2006. Training efforts concerned a larger number of employees (up 4.3%).

Each employee trained attended sessions lasting an average of 28 hours..

The Crédit Agricole S.A. Group spent approximately 4% of its aggregate payroll on training in 2007.

Training efforts were focused on insurance, which accounted for more than a third of training hours provided. Average expenditure per employee trained was €660 in 2007.

Breakdown of training time by theme