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PROFILE OF THE CRÉDITO AGRÍCOLA
FINANCIAL GROUP
1. CAIXA CENTRAL GOVERNING BODIES
THE BOARD OF THE ANNUAL GENERAL MEETING
Nuno Carlos Ferreira Carrilho
Caixa de Crédito Agrícola Mútuo de Terras de Viriato
Chairman
Carlos Alberto Pereira Martins
Caixa de Crédito Agrícola Mútuo de Cantanhede e Mira
Deputy Chairman
João Batista Moreira Peres
Caixa de Crédito Agrícola Mútuo de Bairrada e Aguieira
Secretary
SENIOR AND SUPERVISORY BOARD
Carlos Alberto Courelas
Caixa de Crédito Agrícola Mútuo de Pombal
Chairman
Francisco Amâncio Oliveira Macedo
Caixa de Crédito Agrícola Mútuo dos Açores
António João Mota Cachulo da Trindade
Caixa de Crédito Agrícola Mútuo de Baixo Mondego
José Artur Palma Estrela
Caixa de Crédito Agrícola Mútuo de Guadiana Interior
Jorge Manuel da Piedade Volante
Caixa de Crédito Agrícola Mútuo de Porto de Mós
João Fernandes Chendo
Caixa de Crédito Agrícola Mútuo de Região do Fundão e Sabugal
António Manuel Nobre Louçã
Caixa de Crédito Agrícola Mútuo de S. Teotónio
João Lázaro da Cruz Barrote
Caixa de Crédito Agrícola Mútuo de Sotavento Algarvio
Henrique Vasconcelos Teixeira
Caixa de Crédito Agrícola Mútuo de Vale do Sousa e Baixo Tâmega
CRÉDITO AGRÍCOLA | ANNUAL REPORT 2011 | CONSOLIDATED
PROFILE OF THE CRÉDITO AGRÍCOLA FINANCIAL GROUP
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THE EXECUTIVE BOARD
João António Morais da Costa Pinto
Chairman
Licínio Manuel Prata Pina
Member
Renato Manuel Ferreira Feitor
Member
José Fernando Maia Alexandre
Member
Maria Júlia de Almeida Rocha
Member (From January to September 2011)
CHARTERED ACCOUNTANT
Ernst&Young Audit & Associados – S.R.O.C., S.A.
Represented by Ana Rosa Ribeiro Salcedas Montes Pinto
CRÉDITO AGRÍCOLA | ANNUAL REPORT 2011 | CONSOLIDATED
PROFILE OF THE CRÉDITO AGRÍCOLA FINANCIAL GROUP
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ADVISORY BOARD
José Luís Sereno Gomes Quaresma
Caixa de Crédito Agrícola Mútuo de Baixo Vouga
Chairman
João Manuel Correia da Saúde
Caixa de Crédito Agrícola Mútuo de Albufeira
Hélio José de Lemos Rosa
Caixa de Crédito Agrícola Mútuo de Alenquer
Afonso de Sousa Marto
Caixa de Crédito Agrícola Mútuo de Batalha
Francisco José Salgueiro Correia
Caixa de Crédito Agrícola Mútuo de Beja e Mértola
Alcino Pinto dos Santos Sanfins
Caixa de Crédito Agrícola Mútuo de Douro, Corgo e Tâmega
António Augusto Nascimento Mateus
Caixa de Crédito Agrícola Mútuo de Lourinhã
Arnaldo Filipe Rodrigues Santos
Caixa de Crédito Agrícola Mútuo de Ribatejo Norte
Ângelo de Jesus Antunes
Caixa de Crédito Agrícola Mútuo de Zona do Pinhal
Adriano Augusto Diegues
Co-opted, under the provisions of no. 2 of article 35 of the Caixa Central statutes
CRÉDITO AGRÍCOLA | ANNUAL REPORT 2011 | CONSOLIDATED
PROFILE OF THE CRÉDITO AGRÍCOLA FINANCIAL GROUP
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2. ORGANISATION CHART
SICAM
CAIXAS
ASSOCIADAS
1.04%
FENACAM
100.00%
CAIXA CENTRAL
0.10%
32.64%
CA VIDA
57.28%
10.00%
0.68%
CA SEGUROS
96.72%
100.00%
100.00%
CA IMÓVEIS
100.00%
CRÉDITO AGRÍCOLA
S.G.P.S.
100.00%
CA CONSULT
CA GEST
CA INFORMÁTICA
79.20%
20.25%
1.70%
0.57%
CA SERVIÇOS
85.25%
12.47%
100.00%
CCCAM SGPS
UNIPESSOAL LDA.
100.00%
CA FINANCE
RURAL RENT
100.00%
6.71%
66.67%
AGROCAPITAL SCR
28.57%
26.05%
FCR CENTRAL FRIE
27.78%
FCR INOVCAPITAL
GLOBAL 2
3.33%
Full Consolidation
Consolidation by
Asset Equivalence
FCR
AGROCAPITAL 1
68.46%
15.56%
FII CA IMOBILIÁRIO
0.28%
87.58%
3.83%
FII CA PATRIMÓNIO
CRESCENTE
FII CA
ARRENDAMENTO
HABITACIONAL
13.35%
12.42%
1
FENACAM has 98.84% of its own funds > total GCA = 99.98%
As at 31.12.2011
CRÉDITO AGRÍCOLA | ANNUAL REPORT 2011 | CONSOLIDATED
PROFILE OF THE CRÉDITO AGRÍCOLA FINANCIAL GROUP
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3. SICAM – MAIN INDICATORS
.
SICAM
INDICATORS
2002
Dec.
2003
Dec.
2004
Dec.
2005
Dec.
2006
Dec.
2007
Dec.
2008
Dec.
2009
Dec.
2010
Dec.
2011
Dec.
Customer funds
6,863
7,181
7,599
8,174
8,671
9,158
9,613
10,070
9,989
9,884
Credit to customers
6,387
6,690
6,942
7,290
7,464
7,467
8,373
8,859
8,606
8,587
Net assets
7,946
8,251
8,696
9,319
10,044
10,566
11,447
12,097
13,213
13,030
Operating income
520
570
657
738
828
874
979
1,000
1,026
1,058
Financial margin
307
306
316
326
352
387
403
315
306
343
Net worth
370
376
396
404
424
486
513
424
445
472
Net result
33
81
90
87
96
113
121
42
36
53
Core Tier 1 – Group
a)
8.1%
9.1%
10.4%
10.5%
11.6%
11.6%
12.2%
12.1%
12.7%
12.5%
Tier 1 – Group
a)
8.1%
9.1%
10.4%
10.5%
11.6%
11.5%
12.0%
11.8%
12.5%
12.3%
Solvency Ratio Group
a)
10.5%
11.3%
12.9%
14.0%
14.4%
14.4%
13.3%
12.7%
13.4%
12.7%
General
93.1%
93.2%
91.4%
89.2%
86.1%
81.5%
87.1%
88.0%
86.2%
86.9%
Without Commercial Paper
86.4%
88.5%
86.7%
85.5%
81.5%
79.3%
82.0%
84.0%
86.2%
86.9%
52.5%
52.1%
52.5%
55.2%
58.4%
54.1%
55.5%
69.4%
67.1%
64.6%
ROE
6.4%
14.1%
13.7%
11.8%
11.5%
13.0%
12.4%
4.2%
3.5%
5.0%
ROA
0.4%
1.0%
1.0%
0.9%
1.0%
1.1%
1.1%
0.3%
0.3%
0.4%
15.3
14.5
13.2
12.6
12.1
12.1
11.7
12.1
12.9
12.3
5.3%
5.5%
5.7%
5.9%
4.0%
3.4%
3.8%
4.1%
4.9%
5.8%
73.6%
94.7%
98.4%
126
120
118
111
105
100
92
88
85
84
632
647
670
680
689
686
Transformation Ratio:
Efficiency Ratio (SICAM)
Degree of Leverage
OC Ratio
Cover Ratio
Number of CCAM
105.4% 113.6% 108.9%
Number of branches
(Total in SICAM)
b)
584
598
616
628
Average net
assets per Caixa
c)
61,543
67,026
71,754
81,993
Average number of
branches per Caixa
d)
4.6
5.0
5.2
5.6
136.0% 127.4%
127.8% 119.8%
91,648 102,500 116,924 127,626 132,375 133,162
6.0
6.4
7.2
7.6
8.0
8.0
!"#$%&'!(')!**!+(&'+,'%#$+&
a) Figures for ratios for 2002 to 2006 calculated in line with the former accounting system in Portugal, for the transitional period (2007)
and in preparatory figures for 2008. From March 2008, using the Basel II criteria.
b) Includes Caixa Central branches.
c) In thousands of euros
d) Only CCAM branches
CRÉDITO AGRÍCOLA | ANNUAL REPORT 2011 | CONSOLIDATED
PROFILE OF THE CRÉDITO AGRÍCOLA FINANCIAL GROUP
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