lnLroducLlon abouL LLhlcs

key flgures
CredlL agrlcole ls one of Lhe largesL bank ln Lurope
lL has operaLlons ln 70 counLrles and lL ls Lhe markeL leader
ln full servlce reLall banklnglL has Lhree domesLlc markeLs
lrancelLaly and Creece
neL proflL of Lhe company ls 36 bllllon euros
neL banklng lncome of Lhe company ls 342 bllllon euros
Share holders equlLy of Lhe group share ls 713 bllllon euros
CusLomers world wlde are 34 mllllon
1oLal asseLs uSu
SLaff worldwlde lncludlng almosL one Lhlrd ouLslde france ls
160000lL has 11300 branches ln 13 counLrles
1he sLrengLh of lLs reLall banks lncludlng 11300 branches
worldwlde








As a Iisted company, head of the Crdit AgricoIe
S.A. Group and centraI body of the Crdit AgricoIe
Group, Crdit AgricoIe S.A. is subject to European
and French IegisIation and reguIations on the
prevention of money Iaundering and terrorist
financing and on the enforcement of embargos.

Crdit Agricole S.A. has established Group policies
which require the implementation of an anti-money
laundering and terrorist financing system, mainly
including:
O Know your customer rules to identify and obtain
information about customers or their beneficial owners.
O Rules for identifying, documenting and analysing
transactions made by customers in order to detect any
sums or transactions that may constitute money
laundering or terrorist financing activities.
O Rules for reporting suspicious transactions to the
relevant Financial ntelligence Unit (Tracfin in France).
O Rules for archiving, training and internal control.
%hese poIicies appIy to aII Crdit AgricoIe Group
entities, except where the applicable local legislation
imposes stricter rules or does not permit or is
incompatible with these policies.

Crdit Agricole S.A. is subject to supervision by the
Commission Bancaire and the Autorit des Marchs
Financiers, which, as regulators, ensure that it complies
with regulations.




A major player in the banking sector, as a leader we
have a duty to set an example. That is why we have
chosen to implement a proactive social and
environmental responsibility (SER) policy in compliance
with the United Nations Global Compact Pact. Our aim is
to help make the world a more ethical, fairer place.
%E UNI%ED NA%IONS GLOBAL COMPAC% OUR
GUIDELINE
Crdit Agricole S.A. signed up to the United Nations
Global Compact in 2003. Under the terms of the
Compact, the company and its subsidiaries are
committed to applying ten fundamental values in the
following areas:
O Human rights
O Working conditions
O Environment
O Fight against corruption
EQUA%OR PRINCIPLES A FRON%LINE
COMMI%MEN%
A first for a French bank, Crdit Agricole CB, Crdit
Agricole's investment bank, was one of the founders of
the Equator Principles in 2003 alongside nine other
international banks. The aim of the initiative is to assess
the social and environmental impacts of the projects they
finance.
PRINCIPLES FOR RESPONSIBLE INVES%MEN% AN
ONGOING INI%IA%IVE
Amundi, Crdit Agricole's asset management subsidiary,
was one of the first signatories of the Principles for
Responsible nvestment introduced in 2006.
Three other Group companies have signed up since:
O Crdit Agricole Cheuvreux in 2008
O Crdit Agricole Private Equity in 2009
O Crdit Agricole Assurances in early 2010
CLIMA%E PRINCIPLES A KEY ELEMEN% OF OUR
S%RA%EGY
Crdit Agricole was one of the first financial institutions
to adopt the Climate Principles in 2008. Combating
climate change is central to our strategy and a key
priority of our overall social and environmental
responsibility policy.
DIVERSI%Y CAR%ER COMBA%ING
DISCRIMINA%ION
At Crdit Agricole we are convinced that diversity is a
strength. That is why Crdit Agricole S.A. and 10 of its
subsidiaries adopted a Diversity Charter in 2008 with the
aim of giving practical expression to our determination to
combat discrimination.
UMAN RIG%S CAR%ER EXPRESSING OUR
CONVIC%IONS
The Human Rights Charter adopted at the end of 2009
has its roots in the conviction that respect for human
rights is a matter not just for States and governments but
also for corporate social responsibility.
Called RESPECT, the Charter underlines our
determination to promote a number of essential
principles:
O R ecognition
O E quality
O S afety
O P artnership
O E quity
O C onsistency
O % erritories
On the basis of this commitment we take practical action
in our various areas of activity and spheres of influence,
both in France and elsewhere.