ourexpertise - Crédit Agricole CIB

4CONSOLIDATED FINANCIAL STATEMENTSCredit activity’s concentration by geographical zone• Due from banks and loans and advances to customers by geographical zone€ millionGrossFinancialassetsindividuallyimpaired(gross amount)31.12.2010IndividualimpairmentsCollectiveimpairmentsFrance (including overseas departments andterritories)44,618 373 (230) (369) 44,019Other EU countries 68,264 1,554 (273) (561) 67,430Other European countries 14,599 271 (124) (103) 14,372North America 43,965 408 (301) (787) 42,877Central and South America 17,885 851 (549) (33) 17,303Africa and Middle-East 11,230 791 (436) (138) 10,656Asia and Pacifi c (excluding Japan) 21,565 261 (136) (99) 21,330Japan 10,850 43 (15) (47) 10,788Total (1) 232,976 4,552 (2,064) (2,137) 228,775Accrued interest, net 473Net book value 229,248(1)Including €770million 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)31.12.2009IndividualimpairmentsCollectiveimpairmentsFrance (including overseas departments andterritories)43,892 297 (175) (2,132) 41,585Other EU countries 69,080 2,191 (416) 68,664Other European countries 14,046 262 (112) (1) 13,933North America 39,590 633 (304) (18) 39,268Central and South America 14,193 757 (367) (12) 13,814Africa and Middle-East 10,534 513 (283) 10,251Asia and Pacifi c (excluding Japan) 17,225 159 (75) 17,150Japan 9,802 7 (2) 9,800Total (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.Total168SHELF-REGISTRATION DOCUMENT CRÉDIT AGRICOLE CIB 2010