Shareholder

Crédit Agricole S.A is the leader in local banking activities in France thanks to the long standing prominence of its regional branches.
The merger with Crédit Lyonnais has further strengthened this standing, enhanced by the solid position of its subsidiary companies providing credit management, insurance and other specialised services.

Crédit Agricole, a leading group

With the Regional banks of Crédit Agricole, the LCL network, the international retail banks and the specialist subsidiaries for each business line, Crédit Agricole group is present across the entire spectrum of banking and finance. Crédit Agricole is the N°1 banking group in France with 28% of the consumer market and the N°1 banking group in Europe for the number of current accounts held by retail clients and retail banking earnings. Crédit Agricole ranks N°8 banking group worldwide and N°3 in Europe in terms of shareholders'equity.

Unified and decentralised

The Group is careful to protect the cultural specificities of each its entities, while also capitalising on its strengths as a market leader in France and Europe, within the framework of its enlarged scope of activities.

In France, the 2,570 Local banks form the basis of the Group's mutual organisation and play a key role in firmly establishing a local presence and a close relationship with clients.

Reflecting Crédit Agricole's desire to open up to the market while confirming its mutualist identity, Crédit Agricole S.A. has been listed on the stock exchange since December 2001 and is currently owned 54.7% by the Regional banks and 45.3% by the public.

An enlarged scope of business

Retail banks

31 million clients, 11,500 branches and 3 domestic markets (France, Italy and Greece).

- 39 Regional banks of Crédit Agricole and LCL

- International Retail Banking

Crédit Agricole has operations in 23 countries: Italy, Greece, Albania, Belgium, Bulgaria, Cameroon, Cyprus, Congo, Côte d'Ivoire, Djibouti, Egypt, Gabon, Madagascar, Morocco, Poland, Portugal, Romania, Senegal, Serbia, Spain, Switzerland, Ukraine and Uruguay.

The Regional banks have majority control in Belgium, Spain and Switzerland.

• 5 million Customers
• 2,400 branches

Specialised business lines

- Specialised financial services

Present in 21 countries in Europe and Morocco, this business line covers consumer credit (Sofinco and Finaref, Lukas in Poland, etc.), leasing (Crédit Agricole Leasing and EFL) and factoring (Eurofactor).

• 15 million consumer credit customers worldwide
• EUR 61.7 billion Consumer credit outstandings
• EUR 12.7 billion leasing outstandings
• EUR 41 billion Factored receivables
• 13,180 employees

- Asset management, insurance and private banking

This business line consists of activities related to asset management (Crédit Agricole Asset Management and its subsidiaries as well as BFT & CACEIS, equally owned by Crédit Agricole S.A. and Natixis), life and property/casualty insurance (Crédit Agricole Assurances with Pacifica and Predica) and private banking (Crédit Agricole Private Bank).

• EUR 614 billion under management (asset management, insurance and private banking)
• One of the top 15 worldwide in asset management
• N°1 in France and Europe in fund management
• One of the top 10 worldwide in custodial services
• N°2 insurer and N°1 bancassurer in France
• 7,950 employees in 34 countries

Corporate and investment banking

Operations in 58 countries, Calyon specialises in capital markets, investment banking and financing.

• EUR 6 billion net banking
• One of the top 10 in corporate and investment banking in Europe
• World N°2 in structured commodities finance

Presence in over 70 countries

With its international organisation in all aspects of banking and finance, Crédit Agricole group is able to serve major clients throughout the world, achieving stellar performances:

- 2,400 branches in international retail banking

- 57% of consumer finance outstandings outside France

- Leading international factor in terms of volume of import/export business (43% of international factoring)

- No.1 in consumer credit and leasing in Poland

- 8 asset management centres worldwide

- Private banking in the leading financial markets

- 74% of NBI in corporate and investment banking outside France.

To find out more: http://www.credit-agricole.com/

All data is to end-December 2007.