Credit Agricole S A : Press conference presentation - Second quarter and First half 2023
August 04, 2023 at 06:32 am
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WORKING EVERY DAY IN THE INTEREST OF OUR CUSTOMERS AND SOCIETY
RESULTS
SECOND QUARTER AND
FIRST HALF OF 2023
Working every day in the interest of
our customers and society
Philippe Brassac
2023 FIRST HALF AND SECOND
QUARTER RESULTS
"Being available everywhere, to everyone, at any given time, to cover all possible needs, is what makes the model universal and safe for both clients and banks."
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SECOND QUARTER AND FIRST HALF 2023 RESULTS
EXCELLENT RESULTS FOR THE UNIVERSAL BANKING MODEL
Crédit Agricole S.A.
Net income Group share
Crédit Agricole Group
Net income Group share
Q2 2023
H1 2023
Stated
Stated
€2,040m €3,266m
+24.7% Q2/Q2+48.0% H1/H1
€2,481m €4,150m
+2.1% Q2/Q2+9.8% H1/H1
Crédit Agricole S.A.
Crédit Agricole S.A. RoTE
14.7%
ROTE
Underlying 6M-23
Crédit Agricole Group
157.3%
Q2-23 LCR
CréditCréditAgricoleA icole SS.A..A.
52.3%
H1-23 cost/income
ratio
Crédit Agricole Group
17.6%
Solvency
(Phased-in CET1)
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SECOND QUARTER AND FIRST HALF 2023 RESULTS
STEADILY RISING QUARTERLY REVENUES
Underlying revenues under IFRS 4 between 2017 and 2022; IFRS 17 since Q1-23
Q1
Q2
Q3
Q4
6,153
6,329
6,188
6,032
5,929
5,829
5,779
5,585
5,508
5,185
5,535
5,299
5,143
5,137
5,1465,179
5,184
5,073
4,903
4,814
4,900
4,834
4,810
4,779
4,619
4,564
Q1-17Q1-18Q1-19Q1-20Q1-21Q1-22Q1-23
Q2-17Q2-18Q2-19Q2-20Q2-21Q2-22Q2-23
Q3-17Q3-18Q3-19Q3-20Q3-21Q3-22
Q4-17Q4-18Q4-19Q4-20Q4-21Q4-22
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SECOND QUARTER AND FIRST HALF 2023 RESULTS
CRÉDIT AGRICOLE GROUP
STRONG MOMENTUM
IN THE ENTIRE RANGE OF CUSTOMER NEEDS
(1)+471,000
new customers in Q2-23(2)
Regional Banks: 42.8%
LCL: 27.4%
Property and casualty insurance
equipment rate
(+0.5 pp vs June 2022)
+30%
€3.7bn
+20.4%
Automotive financing
Asset management
CIB structured finance
production (Q2/Q2)
inflows (Q2/Q2)
(Q2/Q2)
2021 and 2022 data
Gross Q2-23 customer capture in retail banking in France, Italy and Poland
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SECOND QUARTER AND FIRST HALF 2023 RESULTS
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Crédit Agricole SA published this content on 04 August 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 04 August 2023 05:31:08 UTC.
Crédit Agricole S.A. is one of the leading European banking groups and is the leading financial backer of the French economy. Net Banking Product breaks down by activity as follows:
- retail banking (30.1%): activities in France (Crédit Lyonnais) and abroad. Furthermore, the group is present in France via its 39 regional networks of branches (making it the biggest French banking network);
- finance, investment and market banking (30.1%): standard and specialized bank financing activities (financing for acquisitions, projects, aeronautical and maritime assets, etc.), stock operations, consulting in mergers and acquisitions, investment capital, etc.;
- asset management, insurance and private banking (25.9%);
- specialized financial services (13.9%): consumer loan, leasing and factoring (No. 1 in France).
At the end of 2023, Crédit Agricole S.A. managed EUR 835 billion in current deposits and EUR 516.3 billion in current credits.
NBP is distributed geographically as follows: France (46%), Italy (20%), European Union (14.3%), Europe (7.2%), North America (6%), Japan (1.3%), Asia and Oceania (3 .5%), Africa and Middle East (1.3%), Central America and South America (0.4%).
CRÉDIT AGRICOLE S.A. 
