ourexpertise - Crédit Agricole CIB

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4CONSOLIDATED FINANCIAL STATEMENTS• NOTE 3: FINANCIAL MANAGEMENT, RISKEXPOSURE AND HEDGING POLICYA description of different risks exposures of Crédit Agricole CIB and the policies put in place to manage and mitigate those risks are describedin the Management Report in the section entitled « Risk factors », as allowed by IFRS 7.3.1 Credit riskConcentrations by type of customer• Loans and advances to customers: analysis by customer type€ millionGrossFinancialassetsindividuallyimpaired(gross amount)31.12.2010IndividualimpairmentsCollectiveimpairmentsCentral governments 6,427 82 (80) (28) 6,319Banks 59,861 541 (481) 59,380Central banks 12,109 12,109Non-bank institutions 37,601 765 (491) (905) 36,205Corporates 110,310 2,263 (952) (1,204) 108,154Retail customers 6,668 901 (60) 6,608Total (1) 232,976 4,552 (2,064) (2,137) 228,775Accrued interest, net 473Net book value 229,248(1)Including €770 million of restructured performing customer loans; €410 million of loans less than 90 days past-due and €358 million of guarantees received.Total€ millionGrossFinancialassetsindividuallyimpaired(gross amount)31.12.2009IndividualimpairmentsCollectiveimpairmentsCentral governments 3,270 74 (73) (21) 3,176Banks 63,386 541 (382) 63,004Central banks 2,789 32 (32) 2,757Non-bank institutions 15,125 389 (127) (656) 14,342Corporates 128,591 2,778 (1,050) (1,486) 126,055Retail customers 5,201 1,005 (70) 5,131Total (1) 218,362 4,819 (1,734) (2,163) 214,465Accrued interest, net 442Net book value 214,907(1)Including €558 million of restructured performing customer loans; €307 million of loans less than 90 days past-due and €579 million of guarantees received.Total166SHELF-REGISTRATION DOCUMENT CRÉDIT AGRICOLE CIB 2010
CONSOLIDATED FINANCIAL STATEMENTS 4• Commitments given to customers by customer type€ million 31.12.2010 31.12.2009Financing commitments given to customersCentral governments 2,794 2,124Non-bank institutions 16,699 9,424Corporates 80,133 84,744Retail customers 2,178 1,195Total 101,804 97,487Guarantee commitments given to customersCentral governments 201 545Non-banks institutions 2,146 4,857Corporates 34,452 27,909Retail customers 965 1,225Total 37,764 34,536• Customer accounts by customer type€ million 31.12.2010 31.12.2009Central governments 2,288 6,580Non-banks institutions 72,214 20,762Corporates 49,400 74,873Retail customers 19,416 20,455TOTAL 143,318 122,670Accrued interest 171 166Book value 143,489 122,836SHELF-REGISTRATION DOCUMENT CRÉDIT AGRICOLE CIB 2010 167
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CONTENTSPRESENTATION OF CRÉDIT AGR
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PRESENTATION OF CRÉDIT AGRICOLE CI
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1PRESENTATION OF CRÉDIT AGRICOLE C
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CORPORATEGOVERNANCECHAIRMAN OF THE
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CORPORATE GOVERNANCE 2dance with ar
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CORPORATE GOVERNANCE 2- the acquisi
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CORPORATE GOVERNANCE 2This monitori
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CORPORATE GOVERNANCE 2Additional in
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CORPORATE GOVERNANCE 2Attendance at
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CORPORATE GOVERNANCE 2Organisation
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CORPORATE GOVERNANCE 2Second-degree
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CORPORATE GOVERNANCE 2Outsourced Es
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CORPORATE GOVERNANCE 2The major ach
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CORPORATE GOVERNANCE 2Half-yearly f
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2CORPORATE GOVERNANCEThe Crédit Ag
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CORPORATE GOVERNANCE 2 Summary of A
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CORPORATE GOVERNANCE 2Options to su
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CORPORATE GOVERNANCE 2Pierre CAMBEF
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CORPORATE GOVERNANCE 2Edmond ALPHAN
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CORPORATE GOVERNANCE 2Jean-Frédér
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CORPORATE GOVERNANCE 2Jean LE VOURC
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CORPORATE GOVERNANCE 2Jean PHILIPPE
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CORPORATE GOVERNANCE 2François VEV
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2010MANAGEMENT REPORTCRÉDIT AGRICO
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2010 MANAGEMENT REPORT 3• Corpora
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2010 MANAGEMENT REPORT 3• BUSINES
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2010 MANAGEMENT REPORT 3Discontinui
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2010 MANAGEMENT REPORT 3• CONSOLI
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2010 MANAGEMENT REPORT 3• RECENT
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2010 MANAGEMENT REPORT 3• Securit
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2010 MANAGEMENT REPORT 3• FIVE-YE
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2010 MANAGEMENT REPORT 3• INFORMA
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2010 MANAGEMENT REPORT 3Operational
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2010 MANAGEMENT REPORT 3• Credit
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2010 MANAGEMENT REPORT 3repurchase
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2010 MANAGEMENT REPORT 3The sensiti
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2010 MANAGEMENT REPORT 3• Collect
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32010 MANAGEMENT REPORTVaR fi gures
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32010 MANAGEMENT REPORT• SENSITIV
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32010 MANAGEMENT REPORTBreakdown of
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32010 MANAGEMENT REPORTBreakdown by
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32010 MANAGEMENT REPORT• ASSET AN
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5PARENT-COMPANY STATEMENTS CRÉDIT
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5PARENT-COMPANY STATEMENTS• LIABI
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5PARENT-COMPANY STATEMENTSSecuritie
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5PARENT-COMPANY STATEMENTSUp-front
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5PARENT-COMPANY STATEMENTS• NOTE
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5PARENT-COMPANY STATEMENTS3.4 Analy
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5PARENT-COMPANY STATEMENTS10.2 Anal
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5PARENT-COMPANY STATEMENTS18.3 Forw
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5PARENT-COMPANY STATEMENTS AUDITORS
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252SHELF-REGISTRATION DOCUMENT CRÉ
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6GENERAL INFORMATION INFORMATION AB
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6GENERAL INFORMATION• Documents f
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6GENERAL INFORMATION STATUTORY AUDI
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6GENERAL INFORMATIONTERMS AND CONDI
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6GENERAL INFORMATION3. INDEMNITY AG
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6GENERAL INFORMATION• STATUTORY A
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6GENERAL INFORMATIONRegulated infor
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This shelf-registration is availabl
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