Second quarter and first half results 2013

Solid results confirm first quarter trends
    - Strong business performance
    - Cost of risk under control
    - Solid progress in cost-cutting

Crédit Agricole Group*
Net income Group share in Q2-13: €1,385 million (vs. €808 million in Q2-12)
Net income Group share in H1-13: €2,410 million (vs. €1,671 million in H1-12)
Fully loaded Basel 3 CET 1 ratio: 10.0%
Available cash reserves at 30 June 2013: €233 billion
* Crédit Agricole S.A. and 100% of the Regional Banks. 2012 restated for recording of Emporiki, Cheuvreux and CLSA under IFRS 5 and for a change in the valuation of a limited number of complex derivatives.

Crédit Agricole S.A.**
Net income Group share in Q2-13: €696 million (vs. €56 million in Q2-12)
Net income Group share in H1-13: €1,165 million (vs. €367 million in H1-12)
Revenues of the business lines: +0.6% on Q2-12
Operating expenses: -2.9% on Q2-12
Cost of risk: -13.9% on Q2-12
Tier 1 ratio: 10.0%; Core Tier 1: 8.6%
** 2012 restated for recording of Emporiki, Cheuvreux and CLSA under IFRS 5 and for a change in the valuation of a limited number of complex derivatives

Download the press release

Download the slides