Third quarter and first nine months results 2013

Strong results based on sound fundamentals
- growth of results in French retail banking
- improvement in cost of risk
- continued cost reductions

Crédit Agricole Group*

Net income Group share in Q3-13: €1,433 million (vs. -€2,206m in Q3-12)
Net income Group share in 9M-13: €3,843 million (vs. -€535m in 9M-12)
Fully loaded Basel 3 CET 1 ratio at 30 September 2013: 10.5%
Available cash reserves at 30 September 2013: €252 billion
* Crédit Agricole S.A. and 100% of the Regional Banks. 2012 restated for a change in the valuation of a limited number of complex derivatives.

Crédit Agricole S.A.**

Net income Group share in Q3 13: €728 million including impact of the intended disposal of Newedge (vs. -€2,851m in Q3-12)
Net income Group share in 9M-13: €1,893 million (vs. -€2,484m in 9M-12)
Pre-tax income stable on Q3-12:
Lower operating costs: down 1.8% on Q3-12
Lower cost of risk: down 14.5% on Q3-12 excluding specific items
Tier 1 ratio: 10.4%, of which Core Tier 1: 9.4%
**2012 restated for reclassification of Emporiki, Cheuvreux, CLSA and Newedge under IFRS 5 and for a change in the valuation of a limited number of complex derivatives.

Download the press release

Download the slides