法国农业信贷银行（CRÉDIT AGRICOLE）2023年财务报告（英文版）（884页）.pdf

1、WORKING EVERY DAY IN THE INTEREST OF OUR CUSTOMERS AND SOCIETY 2023 ANNUAL FINANCIAL REPORTUNIVERSAL REGISTRATION DOCUMENTSUMMARYCRDITAGRICOLEGROUP PROFILE2Interview with Dominique Lefebvre and Philippe Brassac21ABOUT CRDITAGRICOLES.A.8A solid player9A profitable player,offering an attractive return

2、 oninvestment10A committed player11Credit Agricole Group business model 12CrditAgricoleS.A.business lines at31December202314Highlights 202329History32Information on the share capital andshareholders34Stock market data362NONFINANCIAL PERFORMANCE40The business model43Non-financial risks43ESG strategy5

3、2Management of ESG risks115Results130Limited assurance report from one of the StatutoryAuditors on a selection of Crdit AgricoleS.A.s nonfinancial performance indicators as for the year ended December31,2023181Report of one of the Statutory Auditors,appointedasindependent third party,ontheverificati

4、on of the consolidated nonfinancialstatement1843CORPORATE GOVERNANCE192Report of the Board of Directors194Additional information on Corporate Officers231Information onexecutives andmanagement bodies255Reward policy262Rules of procedure of the Board of Directors3074REVIEW OF THE 2023 FINANCIAL POSITI

5、ON AND PERFORMANCE316Activities and financial information318Information on Crdit AgricoleS.A.s financial statements(parent company)3445RISKS AND PILLAR3346CrditAgricoleS.A.risk factors348Risk management364Pillar3 disclosures4156CONSOLIDATED FINANCIAL STATEMENTS 576General framework578Consolidated fi

6、nancial statements at31December2023584Notes to the consolidated financial statements594Statutory Auditors report on the consolidated financial statements7767PARENT COMPANY FINANCIAL STATEMENTS784Parent company financial statements at31December 2023786Notes to the financial statements788Statutory Aud