REVENUES STATED REVENUES(1)
CRÉDIT AGRICOLE GROUP €33,297m :
- Retail Banking: 57%
- Specialised Financial Services: 8%
- Large customers: 17%
- Asset Gathering : 18%
CRÉDIT AGRICOLE S.A. : €20,153 m :
- Retail Banking: 31%
- Specialised Financial Services: 13%
- Large customers: 27%
- Asset Gathering : 29%
REDISTRIBUTIONS OF FINANCIAL FLOWS
CRÉDIT AGRICOLE GROUP: 29%, €9,589m
CRÉDIT AGRICOLE S.A.: 28%, €5,647m
EMPLOYEES AND SOCIAL PROTECTION
= Gross salaries, incentive plans, profit sharing and amounts allocated to employee pensions.
CRÉDIT AGRICOLE GROUP: 18%, €6,217m
CRÉDIT AGRICOLE S.A.: 19%, €3,749m
EXTERNAL SERVICE PROVIDERS
= External and operating expenses. Crédit Agricole is one of France’s leading contract givers
Volume of purchasing from VSBs/SMEs in 2019: €1.8bn(2).
PATRONAGE
€29.6m of expenses subject to a tax deduction(5) for Crédit Agricole Group.
CRÉDIT AGRICOLE GROUP: 18%, €6,018m
CRÉDIT AGRICOLE S.A.: 14%, €2,774m
PUBLIC AUTHORITIES
= Corporate income tax, other taxes and duties (6), employer contributions and payroll taxes. Does not include the cost of non-recoverable VAT incurred by the Group.
CRÉDIT AGRICOLE GROUP: 5%, €1,757m
CRÉDIT AGRICOLE S.A.: 6%, €1,256m
COST OF RISK
= New provisions and reversals for all risks during the financial year, as well as the corresponding losses not covered by provisions
CRÉDIT AGRICOLE GROUP : 2%, €506m
CRÉDIT AGRICOLE S.A. : 3 %, 614 m€
MINORITY INTERESTS
= Share of the net income of subsidiaries controlled by Crédit Agricole (less than 100%) attributable to holders of non-controlling interests.
CRÉDIT AGRICOLE GROUP: 6%, €2,012 m
CRÉDIT AGRICOLE S.A.: 6%, €1,269 m
OTHER
= Depreciation and amortisation, share of net income of equity-accounted companies, changes in the value of goodwill and gains or losses on other assets.
SOCIETAL IMPACTS
For Crédit Agricole S.A.
73,000 employees including 53.4% women, 1,876 work-study participants and 1,251 trainees font are among the average monthly workforce in France.
1,684 suppliersof Crédit Agricole S.A.had an EcoVadis score(3) at 31 December 2019, and 596 are being assessed, i.e. 59% of suppliers approached. The volume of purchases entrusted to the sheltered and disability-friendly sector represents €5.3m.(4)
Corporate philanthropy activities in the areas of fight against poverty and exclusion, support for cultural initiatives and environmental protection. Crédit Agricole S.A. is notably a partner of the National Museum of Natural History to support scientific research on biodiversity.
Crédit Agricole is a major tax contributor in France with an income tax charge of €1,736m in 2019.
For Crédit Agricole S.A., the cost of credit risk recorded a gradual return to a normal level with an increase of +25.5%/–€254m compared with 2018 at –€1,256m. It reflects the bank’s ability to deliver responsible lending solutions for each type of customer: €650bn in loans outstanding (French Retail banking).
TOTAL REDISTRIBUTIONS GROUP: €26,099m
TOTAL REDISTRIBUTIONS CA S.A.: €15,309m
RESULTS FOR THE GROUP: 22%, €7,198m
RESULTS FOR CRÉDIT AGRICOLE S.A.: 24%, 4844 m€
Crédit Agricole Group: 83%
SHARE OF RETAINED INCOME
Crédit Agricole Group:
allows the Group to support its host regions’ development and strengthen its capital structure.
Crédit Agricole S.A.: 49%
SHARE OF RETAINED INCOME
Crédit Agricole S.A.: reflects a commitment to strengthening its capital structure while maintaining an attractive payout rate for all investors.
Crédit Agricole Group: €1,114m
SHAREHOLDERS & MUTUAL SHAREHOLDERS
Crédit Agricole Group: estimated total amount of interest to be paid to mutual shareholders, and dividends to be paid to holders of CCA and CCI certificates and Crédit Agricole S.A.(7) holders of non-controlling interest.
Crédit Agricole S.A.: €2,019 m
SHAREHOLDERS & MUTUAL SHAREHOLDERS
Crédit Agricole S.A.:
estimated amount of dividends to be paid to its shareholders, excluding Crédit Agricole Group(8) €890m..
