REVENUES
GROUPE CRÉDIT AGRICOLE :
€33,596m
Stated revenues
BREAKDOWN BY BUSINESS LINE (1)
- Asset Gathering : 17%
- Large customers : 19%
- Specialised financial services : 7%
- Retail Banking : 57%
CRÉDIT AGRICOLE S.A. :
€20,500m
Stated revenues
BREAKDOWN BY BUSINESS LINE (1)
- Asset Gathering : 28%
- Large customers : 30%
- Specialised financial services : 12%
- Retail Banking : 30%
REDISTRIBUTION OF FINANCE
EMPLOYEES AND SOCIAL PROTECTION
- GROUPE CRÉDIT AGRICOLE : €9,551m (28%)
- CRÉDIT AGRICOLE S.A. : €5,696m (28%)
Gross salaries, incentive plans, profit sharing and amounts allocated to employee pensions.
FLOWS
Impact on society
For Crédit Agricole S.A., 72,000 employees including 1,861 work-study employees and 1,151 interns (FTE monthly average).
REDISTRIBUTION OF FINANCE
EXTERNAL SERVICE PROVIDERS
- Groupe Crédit Agricole : €5,844m (18%)
- Crédit Agricole S.A. : €3,590m (17%)
External and operating expenses. The volume of purchasing for the Group from VSBs/SMEs in 2020 was €2.2 billion (2).
FLOWS
Impact on society
2,640 suppliers of Crédit Agricole S.A. had an EcoVadis(3) rating at 31 December 2020 i.e. close to 68% of suppliers in 2020. The purchasing volume from the sheltered and disability-friendly sector represents €14.3 million for the Group as a whole. (4)
REDISTRIBUTION OF FINANCE
PATRONAGE
€36.2 million of expenses subject to a tax deduction (5) for Crédit Agricole Group.
FLOWS
Impact on society
Corporate philanthropy activities in the areas of the fight against poverty and exclusion, support for cultural initiatives and environmental protection.
REDISTRIBUTION OF FINANCE
PUBLIC AUTHORITIES
- Groupe Crédit Agricole : €6,691m (19%)
- Crédit Agricole S.A. : €3,591m (17%)
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).
FLOWS
Impact on society
Crédit Agricole is a major tax contributor in France with an income tax charge of €2,165 million in 2020.
REDISTRIBUTION OF FINANCE
COST OF RISK
- Groupe Crédit Agricole : €3,651m (11%)
- Crédit Agricole S.A. : €2,606m (13%)
New provisions and reversals for all risks during the financial year, as well as the corresponding losses not covered by provisions.
FLOWS
Impact on society
The cost of risk reflects the bank’s ability to deliver responsible lending solutions adapted to each type of customer: €707 billion in loans outstanding (French Retail banking).
REDISTRIBUTION OF FINANCE
MINORITY INTERESTS
- Groupe Crédit Agricole : €504m (2%)
- Crédit Agricole S.A. : €546m (3%)
Share of the net income of subsidiaries majority-controlled but not fully by Crédit Agricole attributable to the minority shareholders of these subsidiaries.
REDISTRIBUTION OF FINANCE
INVESTMENTS AND OTHER
- Groupe Crédit Agricole : €1,782m (5%)
- Crédit Agricole S.A. : €1,001m (5%)
Depreciation charges, share of net gains and losses on other assets.
NET INCOME
TOTAL REDISTRIBUTION CRÉDIT AGRICOLE GROUP :
€28,023m
ATTRIBUTABLE GROUP NET INCOME (Reported net income before impairment of CA Italia acquisition of - €884m.): €5,573m
€1,112m of which €1,033m in cash
SHAREHOLDERS & MUTUAL SHAREHOLDERS
estimated total amount of interest in cash and shares 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.
81%
PART SHARE OF RETAINED INCOME
Allows the Group to support its regions’ development and strengthen its capital structure.
TOTAL REDISTRIBUTIONS CRÉDIT AGRICOLE S.A. :
€17,030m
NET INCOME FOR CRÉDIT AGRICOLE S.A. (ATTRIBUTABLE NET INCOME (Reported net income before CA Italia acquisition impairment of -€778m): €3,470m
€2,339m of which €914m in cash
SHAREHOLDERS
The dividend payment set-up(8) proposed for the 2020 financial year in 2021 was adapted to the exceptional circumstances and takes account of the absence of a dividend payment in 2019. Dividend of €0.80 per share, i.e. €2.3 billion with a scrip dividend payment option.
74%
SHARE OF RETAINED INCOME
Reflects a commitment to strengthening its capital structure while maintaining an attractive payout rate for all investors.
