Comunicati Stampa

PARIGI, Francia, 24 febbraio 2010: EURO Ressources S . A . (Parigi: EUR) ha annunciato oggi che pubblicherà i risultati del quarto trimestre e di fine anno il 19 marzo 2010, prima dell apertura del mercato . EUROEURO è una società francese il cui bene principale è la Rosebel Royalty sulla produzione di oro della miniera di Rosebel gestita dalla IAMGOLD Corporation ("IAMGOLD") . EURO ha circa 62 . 5 milioni di azioni in circolazione . Dal 17 dicembre 2008 la quota di maggioranza di EURO è controllata della IAMGOLD, che possiede circa l 86% di EURO . Not for distribution to United States newswire services or for dissemination in the United States . The securities referred to herein have not been registered under the US Securities Act of 1933 and may not be offered or sold in the United States or to a US person absent registration or an applicable exemption from registration . Additional information relating to EURO Ressources S . A . is available on SEDAR at www . sedar . com . Further requests for information should be addressed to:Larry E . PhillipsDirecteur-GénéralTel:+1 4163604710Email : phillips@euroressources . netSusanne A . HermansVice-President FinanceTél . : +1 303 204 7771Email : shermans@euroressources . netCopyright Hugin Questo comunicato é distribuito da Hugin . L emittente è l unico responsabile per il contenuto del comunicato . [CN#163556]

Nuovissimo progetto di treno articolato a due piani, extra largo, progettato e realizzato nello stabilimento di Bombardier a Crespin nel nord della FranciaBERLINO, GERMANIA -- (MARKET WIRE) -- 02/24/10 -- BombardierTransportation si è aggiudicata la gara per la realizzazione di nuovi treni regionali a due piani organizzata dalle ferrovie francesi (SNCF) per conto delle regioni francesi . Il contratto quadro prevede il progetto e la fabbricazione di 860 automotrici a due piani per un ammontare totale di circa 8 miliardi di euro (11 miliardi dollari USA), nel rispetto di alcune opzioni tecniche . With this framework contract, SNCF also signed a first firm order for 80 trains valued at approximately 800 million euros ($1 . 1 billion US), financed by the Regions . So far, six Regions have placed orders, which they will finance: Aquitaine, Bretagne, Centre, Nord-Pas de Calais, Provence-Alpes-Cote d Azur and Rhone-Alpes . First deliveries of this firm order are scheduled to take place in June 2013 and will continue until December 2015 . Bombardier developed a new double-deck train platform especially for this tender . It includes the following characteristics:- a modular concept to meet the Regions various needs in terms of suburban, regional and intercity services;- wide-body cars to offer unmatched capacity and a high level of comfort;- an articulated architecture and wide connectors which create transparency throughout the length of the train and an increased sense of security . This train features technical innovations in terms of reliability, availabililty, and sustainability, while generating economic benefits, like reduced maintenance costs and energy consumption . The new regional double-deck train was created by Bombardier teams in Crespin, in Northern France . Bombardier will also design, build and test these vehicles at the site . As the largest industrial rail site in France and a partner of the Nord-Pas de Calais Rail Competitivity Cluster, the Crespin facility has a staff of 2,000, including 500 engineers and managers . It relies upon a wide network of local suppliers and sub-contractors . Several suppliers have decided to set up their operations next to Bombardier, in the Trans Avenir industrial park, reinforcing local employment opportunities andeconomy . "We thank the Regions and SNCF for their trust in this large-scale project for which Bombardier Crespin teams have demonstrated their creativity and engineering excellence . These teams are now on the starting blocks to implement this important project," said Jean Berge, president of Bombardier Transportation France . "The solution created by our engineers is a train which stands out by its width, capacity, comfort and polyvalence . It will become a reference product, and will support the regional rail transport development in our country . "About Bombardier Transportation in FranceA major player in the French rail market, Bombardier Transportation operates at its Crespin facility in the Nord-Pas de Calais Region which houses Centres of Excellence for bogies, reliability and onboard electronics, as well as a certified testing laboratory . Thecompany develops a wide range of rail rolling stock products . Two milestone contracts demonstrate Bombardier s capabilities: l Autorail Grande Capacite (AGC) a regional train with 700 train sets ordered by 21 French Regions, which scores high on passenger satisfaction polls; and the BOMBARDIER SPACIUM, co-financed by the French National Railways (SNCF) and Ile-de-France Transport Authority STIF, a state-of-the-art suburban train which started commercial service - as planned - on 13 December 2009 . Bombardier also participates in the MF 2000 metro vehicles and the MI09 RER A for the Paris Metro RATP . BOMBARDIER FLEXITY tramways operate in the cities of Marseille and Strasbourg . About Bombardier TransportationBombardier Transportation, the global leader in rail technology, offers the broadest portfolio in the rail industry and delivers innovative products and services that set new standards in sustainable mobility . BOMBARDIER ECO4 technologies - built on thefour cornerstones of energy, efficiency, economy and ecology - conserve energy, protect the environment and help to improve total train performance . Bombardier Transportation is headquartered in Berlin, Germany and has a presence in over 60 countries . It has aninstalled base of over 100,000 vehicles worldwide . About BombardierA world-leading manufacturer of innovative transportation solutions, from commercial aircraft and business jets to rail transportation equipment, systems and services, Bombardier Inc . is a global corporation headquartered in Canada . Its revenues for the fiscal year ended Jan . 31, 2009, were $19 . 7 billion US, and its shares are tradedon the Toronto Stock Exchange (BBD) . Bombardier is listed as an index component to the Dow Jones Sustainability World and North America indexes . News and information are available at www . bombardier . com . Note to EditorsPhotos are available on our web site at:http://www . transportation . bombardier . com . BOMBARDIER, FLEXITY, SPACIUM and ECO4 are trademarks of BombardierInc . or its subsidiaries . www . theclimateisrightfortrains . comContacts:Canada and USA: +1 450 441 3007Talal Zouaoui, talal . zouaoui@ca . transport . bombardier . comMaryanne Roberts, maryanne . roberts@us . transport . bombardier . comGermany, Austria, Switzerland, Centraland Eastern Europe: +49 30 98607 1134Heiner Spannuth, heiner . spannuth@de . transport . bombardier . comNordic Countries: +46 10 852 5062Jonny Hedberg, jonny . hedberg@se . transport . bombardier . comRussia: +7 495 775 1830Alexander Bocharov, alexander . bocharov@ru . transport . bombardier . comUK, Ireland, Australia, New Zealand, other countries:+44 1332 266470Neil Harvey, neil . harvey@uk . transport . bombardier . comBenelux: +49 30 98607 1141Janet Olthof, janet . olthof@de . transport . bombardier . comFrance: +33 6 07 78 95 38Anne Froger, anne . froger@fr . transport . bombardier . comSouth Europe, Brazil and India: +35 1 919 693 728Luis Ramos, luis . ramos@pt . transport . bombardier . comCopyright Hugin Questo comunicato é distribuito da Hugin . L emittente è l unico responsabile per il contenuto del comunicato . [CN#163561]

CREDIT AGRICOLE SA : Crédit Agricole S . A . Buona performance sull intero esercizio 2009 - Utile netto - quota del Gruppo: E 1,125 milioniParigi, 25 febbraio 2010Gruppo Crédit Agricole *Esercizio 2009Utile netto - quota del Gruppo: E 2,747 milioni (+12 . 1%)Quarto trimestre 2009Utile netto - quota del Gruppo: E 957 milioni (+36 . 7% / 3trim-09)*Crédit Agricole S . A . e 100% delle banche regionali . Crédit Agricole S . A . Buona performance generale 2009Esercizio 2009Utile netto - quota del Gruppo: E 1,125 milioni- Solida crescita dei proventi: più 12 . 4%- Calo sensibile delle spese: meno 3 . 6%- Solida crescita dell utile operative lordo: più 73 . 4%- Smaller rise in cost of risk: up 48 . 2%- Net income per share: E0 . 50- A solid financial position with a Tier One ratio of: 9 . 5%Fourth quarter of 2009Net income - Group share: E433 million- Revenues from the business lines: up 13 . 8%, on a like-for-like basis, excluding discontinuing operations and accounting impacts*- Operating expenses: down 2 . 6% on Q4-08 (on the same basis)- Cost of risk: down 23 . 1% on Q4-08, excluding discontinuing operations* loan hedges and reevaluation of debt issuesCrédit Agricole S . A . s board of directors, chaired by René Carron, met on 24 February 2009 to review the results and approve the accounts for the year ended 31 December 2009 . Net income, Group share was E1,125 million in 2009, including E433 million in the fourth quarter . In the extremely difficult economic and financial climate that has prevailed over the past two years, Crédit Agricole S . A . , underpinned by sound fundamentals, repositioned all business lines and injected new momentum into the Group to make 2009 a year of recovery . Sound fundamentalsCrédit Agricole S . A . fundamentals are solid, as reflected by:Its healthy financial position, with equity, Group share of E45 . 5 billion, a Tier One ratio of 9 . 5% and a Core Tier 1 ratio of 9 . 3%, which is very comfortable in the light of its risk profile; its financial position is also underpinned by Crédit Agricole S . A . Group s strong financial base (E68 . 8 billion in equity, Group share);The strength of its retail banking operations, with 59 million individual customers worldwide, most of them in the euro zone;The strength of its retail banks, which are solidly anchored in their territories, and its specialised business lines (notably consumer finance, asset management, and insurance), and its leading position in France and in Europe . All business lines were successfully repositionedThe Group undertook major initiatives to reposition each of its business lines in preparation for the new challenges brought on by a radically shifting environment . In asset management the creation of Amundi, number 3 in Europe, 75% owned by Crédit Agricole Group, led to the emergence of a leading European platform . In securities and issuer services, Crédit Agricole S . A . now owns 85% of CACEIS, giving it the ability to manage and control its expansion . French retail banking demonstrated its capacity for innovation and for attracting new business . The Regional Banks opened 4 million Livret A passbook accounts, sold 1 million Double Action cards and successfully launched BforBank . LCL was strengthened by a sharp upturn in deposits, the modernisation of its branches and the "zero paper" project . Throughout the year, International retail banking dedicated significant efforts to adapting its networks . At Cariparma and FriulAdria, the central support functions were merged to optimise the combined entity s organisation . Emporiki is undergoing in-depth restructuring, as evidenced by the plan announced en October 2009 . The Group also refocused its presence in Africa in 2009 . It pulled out of Congo, Gabon, Côte d Ivoire and Senegal while reinforcing its presence in Morocco . Specialised financial services continued to pool their resources, with the Sofinco- Finaref and CA Leasing- Eurofactor mergers . Crédit Agricole Assurances was created as a business line with pooled resources . All insurance operations have been combined under the umbrella of one name and all employees have been relocated to a single physical location . CAAGIS (Crédit Agricole Assurances, Gestion Informatique Services) was created to implement synergies . Corporate and investment banking continued its refocusing . Ongoing activities stood out by their vigorous growth, which was in line with the plan . Discontinuing operations continued to be actively managed down . The Group dynamic was reinforcedIn 2009, several projects that will serve as a foundation for Group-wide growth were initiated or implemented:The 39 Regional Banks began to implement a common IT system - a project that will generate substantial synergies in the medium term;Over the next three to four years, Crédit Agricole S . A . and several business lines will relocate to a single geographical site . In addition to generating cost savings, this will foster a stronger Group spirit;Crédit Agricole S . A . began to overhaul its branding policy to strengthen the subsidiaries sense of belonging to the Group by systematically including a reference to the Crédit Agricole name;Crédit Agricole S . A . was the first French bank to implement the new variable compensation procedures for market professionals, by placing the priority on medium-to-long term performance criteria;Crédit Agricole opted for group tax treatment (encompassing Crédit Agricole S . A . and the Regional Banks) as from 2010, which will lead to a coordinated approach at Group level in tax matters . All measures taken to reposition the business lines began to pay off in 2009:Net banking income expanded by 12 . 4% to nearly E18 billion, reflecting the momentum of the traditional business lines with a smaller negative impact from the discontinuing operations in Capital markets and investment banking;Operating expenses were down appreciably, by 3 . 6%, despite expansion in the Group s scope;As a result, gross operating income advanced by 73%, offsetting the 48 . 2% rise in the cost of risk;The Regional Banks strong operating performance is reflected in their contribution to Crédit Agricole S . A . s income, which moved up by 21 . 4% . In all, net income, Group share, rose by nearly 10% to E1,125 million, thus reflecting the emerging recovery . Initial trends in 2010 confirm that all of the Group s businesses are performing well . In Italy, the agreement with Intesa Sanpaolo gives Crédit Agricole substantial growth prospects . ** *At the Annual General Meeting on 19 May 2010, the Board of Directors will propose that the shareholders approve a dividend of E0 . 45 per share . Two options for dividend payment will be offered:full payment in cash; orfull payment in shares . At the Board meeting, Crédit Agricole S . A . s majority shareholder, S . A . S . Rue La Boétie, indicated that it was strongly in favour of the option to take the dividend payment in new shares and that it would do so providing that this is approved at its next Annual General Meeting . After the Board of Directors meeting, René Carron, Chairman of Crédit Agricole S . A . s Board of Directors, commented: "Our 2009 results are good . They reflect solid growth momentum across the entire Crédit Agricole Group . They are underpinned by the strength of our retail banking operations and bear the first fruit of the restructurings we initiated nearly two years ago . Our proudest accomplishment is that we continued to support our customers as the leading provider of financing to the French economy" . Georges Pauget, Chief Executive Officer of Crédit Agricole S . A . , commented: "These are solid, high-quality results . They reflect the viability of our strategy and the substantial efforts deployed by all our employees . They show that Credit Agricole is once again poised to achieve results that are consistent with its stature and its ambitions . "** *2010 financial calendar12 May 2010 2010 first quarter results19 May 2010 Annual General Meeting27 May 2010 Detachment of the coupon21 June 2010 Dividend payment26 August 2010 2010 second quarter and first half results10 November 2010 2010 third quarter and nine month resultsCRÉDIT AGRICOLE S . A . CONSOLIDATED RESULTS

(in millions of euros)	Q4-09	Q4-08	Change Q4/Q4	Change Q4/Q4*	2009	2008	Change 2009/2008
Net banking income	4,494	4,598	(2 . 3%)	+13 . 8%	17,942	15,956	+12 . 4%
Operating expenses	(3,165)	(3,146)	+0 . 6%	(2 . 6%)	(12,182)	(12,635)	(3 . 6%)
Gross operating income	1,329	1,452	(8 . 5%)	+60 . 9%	5,760	3,321	+73 . 4%
Cost of risk	(1,288)	(1,614)	(20 . 2%)		(4,689)	(3,165)	+48 . 2%
Operating results	41	(162)	nm		1,071	156	x6 . 9
Equity affiliates	208	(27)	nm		847	868	(2 . 4%)
Net income on other assets	14	(280)	nm		(419)	148	nm
Tax	222	92	x2 . 4		(211)	66	nm
Gain (loss) on discontinued operations	58	28	x2 . 1		158	28	x5 . 6
Net income	543	(349)	nm		1,446	1,266	+14 . 2%
Net income - Group share	433	(309)	nm		1,125	1,024	+9 . 9%

* On a like-for-like basis, excluding discontinuing operations and accounting impacts (loan hedges and reevaluation of debt issues)Over the year, Crédit Agricole S . A . Group s net banking income grew by 12 . 4% to E17 . 9 billion . Operating expenses declined by 3 . 6% to E12 . 2 billion, while gross operating income was E5 . 8 billion, 1 . 7x higher than in 2008 . Net banking income was far higher than in 2008, which included a E882 million euro gain on the disposal of Suez shares . This reflects solid momentum for the traditional business lines and a significant reduction in the negative impact from discontinuing operations in Corporate and investment banking . Over the year, in Retail banking, LCL s net banking income is up 3 . 6% . In Specialised financial services, NBI expanded by 23 . 1% (by 9 . 0% on a like-for-like basis) . International retail banking proved resilient and responsive: the business line s net banking income receded by a moderate 3 . 7% year-on-year under difficult economic circumstances, but it jumped by 16 . 9% quarter-on-quarter in the fourth quarter . Asset management, insurance and private banking continued to expand and momentum remained solid: after the first part of the year, which was hit by more crisis-related effects, all segments registered net new inflows and net banking income was 0 . 9% higher than in 2008 . The Corporate and investment banking business line is on target with the refocusing plan announced in 2008, with a 32 . 8% rise in revenues from ongoing activities[1] in 2009 . Operating expenses were down 3 . 6% year-on-year, reflecting improvement in operational management and showing responsiveness from all segments of the business line, which adjusted to difficult economic conditions . Expenses were contained at LCL, down 4 . 7% in International retail banking, down 2% like-for-like in Specialised Financial Services (primarily due to the consolidation effect from Ducato as of 1 January 2009), sharply lower in Asset management, insurance and private banking with a 5 . 1% like-for-like decline (effect of fully consolidating CACEIS), and 6 . 9% lower for ongoing activities in Corporate and investment banking . Gross operating income was E5 . 8 billion, up 73 . 4% year-on-year in 2009 . The cost/income ratio improved, with a 11 . 3pp contraction to 67 . 9% . The cost of risk rose sharply over the year to E4 . 7 billion, reflecting deteriorating economic conditions . Cost of risk was concentrated in International retail banking (E1,089 million, mainly due to the impact of Greece), in Specialised financial services (E1,320 million euros) and in Corporate and investment banking, including discontinuing operations (E1,769 million) . Income from equity affiliates advanced by 21 . 4% year-on-year in 2009, to E847 million, including a E822 million contribution from the Regional Banks, reflecting strong improvement in the Regional Banks operating performance: Throughout the year, the Regional Banks sustained solid growth momentum in customer business and the financial market upturn significantly boosted the portfolio net banking income, from a low basis of comparison in 2008 . In addition, their expenses remained tightly controlled . Income from equity affiliates for the period also includes a E212 million negative impact from the consolidation of Intesa SanPaolo in 2009 . The E419 million net loss on other assets was due primarily to the recognition of a E485 million goodwill impairment charge for Emporiki in the third quarter of 2009 . In 2008, this item included the E435 million gain arising on the creation of Newedge, the brokerage subsidiary owned 50/50 with Société Générale . Net gain from discontinued activities was E158 million . It includes the gain on the disposal of part of the African network: Crédit du Sénégal, Union Gabonaise de Banque, Société Ivoirienne de Banque and Crédit du Congo . This transaction is part of the strategy that the Group defined at the time of the May 2008 share issue, which gives priority to the retail banking businesses in Europe with a refocusing in the Mediterranean Basin . In all, Crédit Agricole S . A . s net income, Group share was E1,125 million in 2009 compared with E1,024 million in 2008, which benefited from substantial gains on disposal (Suez and Newedge) . Net income, Group share in the fourth quarter of 2009 was E433 million, a rise of 49 . 8% on the previous quarter, which included the goodwill impairment charge for Emporiki . These solid results are part of a highly positive trend and reflect a good performance by all segments of the Group s business lines . FINANCIAL POSITIONAt 31 December 2009, average CRD risk-weighted assets were E326 . 4 billion, 3 . 6% lower than at 31 December 2008, owing to the fall in credit risk, especially in Corporate and investment banking, and to the E16 . 5 billion decline in market risk over the year attributable to tightly controlled management of the risk profile in capital market activities . Conversely, the change includes an increase in risk-weighted assets in certain business lines, primarily due to the acquisition of control in CACEIS in the second quarter . Core prudential capital, before deductions, stood at E63 . 6 billion, a rise of 5 . 1% on 31 December 2008 . After deductions, Tier 1 capital was E31 . 0 billion . These figures include repayment in full on 27 October 2009 of the E3 billion in undated super-subordinated notes subscribed by the SPPE (Société de prise de participation de l Etat) in December 2008 and the new issues since that time . At 31 December 2009, the overall capital adequacy ratio was 9 . 8%, with a Tier 1 ratio of 9 . 5% and aCore Tier 1 ratio of 9 . 3% . RESULTS BY BUSINESS LINE1 . FRENCH RETAIL BANKING1 . 1 . - CRÉDIT AGRICOLE REGIONAL BANKSThe Regional Banks delivered a strong performance in 2009 . Their contribution to Crédit Agricole S . A . s net income, Group share was E730 million, up 25 . 7% on 2008 - a year of unprecedented financial and economic crisis . In the fourth quarter, their contribution was E172 million, 68 . 2% higher than in the fourth quarter of 2008 .

(in millions of euros)	Q4-09	Change Q4/Q4	Change Q4/Q3	2009	Change
					2009/2008
Net income accounted for at equity (at 25%)	169	+64 . 9%	(21 . 1%)	684	+27 . 8%
Change in share of reserves	3	nm	nm	138	(3 . 5%)
Share of income from equity affiliates	172	+68 . 2%	(22 . 4%)	822	+21 . 4%
Tax*	-	-	-	(92)	(4 . 7%)
Net income - Group share	172	+68 . 2%	(22 . 4%)	730	+25 . 7%

* Tax impact of dividends received from the Regional BanksThroughout the year, the Regional Banks delivered healthy commercial results and continued their strategy of conquering new business . In services, the Double Action card - the result of several major innovations - met with resounding success, with one million cards sold in just 18 months . The year-end launch of M6 Mozaïc (a co-branded card for young customers) was also a success, with 275,000 cards issued at end-2009 . The Regional Banks continued to develop their range of online services with BforBank, a private bank that is 100% online . BforBank, which is 85% owned by 38 Regional Banks, had attracted 15,000 customers by year-end . In 2009, these commercial successes were coupled with the deployment of substantial efforts in customer assets which advanced by 5 . 6% year-on-year to E521 . 6 billion at 31 December 2009 . Growth in on-balance sheet deposits remained strong, rising by 4 . 4% on 2008 to E284 . 5 billion, driven by demand deposits (up 5 . 0%) and passbook accounts (up 8 . 2%) . At 31 December, the Regional Banks had captured 47% of the liberalised market for Livret A passbook accounts, with 4 million accounts . In 2009, deposits in home purchase savings plans also resumed on an uptrend, with a 1 . 4% increase . Off-balance sheet deposits rebounded in 2009, with new inflows of over E15 billion boosting the total to E237 . 1 billion, owing to favourable market trends . In lending, throughout the year, the Regional Banks stood by their commitments to customers, with loans outstanding rising by 2 . 1% to a total of E357 . 2 billion . Loans to individual customers advanced by 2 . 8%, reflecting a 2 . 6% rebound in residential mortgage lending, particularly at the end of the year . In loans to small business customers[2], growth in lending was also appreciable, with a 1 . 3% increase . Over the same period, risks remained under control and thoroughly covered . The cost of risk amounted to 58 basis points of Basel I risk-weighted assets . Doubtful debts remained at 2 . 4% of gross loans outstanding, with an overall cover rate (collective reserves and specific provisions) of 105 . 2%, reflecting the Regional Banks cautious provisioning policy . The Regional Banks IAS net banking income, restated for dividends paid by Crédit Agricole S . A . , moved up 13 . 1% year-on-year in 2009 and 18 . 2% quarter-on-quarter in the fourth quarter . This strong showing is underpinned by a substantial improvement in portfolio income, in line with market trends, and restored growth momentum in customer business . Net banking income from customer business was up 6 . 9% over the year, reflecting a persistently solid intermediation margin . Moreover, the 1 . 3% quarter-on-quarter rise in the fourth quarter reflects a sound commercial performance in life insurance at the end of the year . Operating expenses remained tightly controlled . They dipped by 0 . 2% over the year to E6 . 9 billion in 2009, lowering the cost/income ratio to 54 . 2% . 1 . 2 . - LCL

(in millions of euros)	Q4-09	Change Q4/Q4*	Change Q4/Q3	2009	Change
					2009/2008*
Net banking income	1,012	+6 . 3%	+8 . 5%	3,849	+3 . 6%
Operating expenses	(660)	+1 . 4%	+5 . 2%	(2,551)	+0 . 7%
Gross operating income	352	+16 . 8%	+15 . 2%	1,298	+9 . 8%
Cost of risk	(139)	x2 . 1	+46 . 6%	(435)	x2 . 2
Operating income	213	(9 . 2%)	+1 . 1%	863	(12 . 1%)
Net income - Group share	142	(10 . 1%)	+1 . 2%	574	(12 . 1%)

*2008 figures under Basel IIThroughout 2009, in a persistently difficult economic climate, LCL - the retail bank continued to deliver good results, on both the business and financial fronts . Net banking income rose by 3 . 6% over the year (by 4 . 0% excluding reserves for home purchase savings plans) and by 6 . 3% year-on-year in the fourth quarter . This good showing is attributable to a resilient transformation margin and growth in commissions and fee income in insurance in the fourth quarter . Administrative costs remained under control, according to the competitivity plan, with an increase confined to 0 . 7% over the year against a backdrop of process modernisation . As a result, the cost/income ratio receded to 66 . 3%, reflecting a 1 . 9 point improvement on 2008, in line with targets . In the fourth quarter, expenses were 5 . 2% higher than in the third quarter owing to the seasonal aspect of the business . Risks were tightly controlled and thoroughly covered . The cost of risk increased by a factor of 2 . 2 over the year, reflecting the crisis in the French economy . The 46 . 6% quarter-on-quarter rise in the cost of risk in the fourth quarter was due to provisions booked for a limited number of corporate loans . Bad and doubtful debts receded to 2 . 9% of total loans outstanding owing to personalised management of exposed loans to individuals and small businesses . The cover rate (including collective reserves) for bad and doubtful debts was high at 71% overall and 81% for business loans . Overall, net income, Group share was E574 million in 2009 and E142 million in the fourth quarter, up 1 . 2% on the third quarter . With a renewed brand attractiveness and network dynamism, business momentum ran high throughout the full year, driven primarily by the success of LCL à la carte and Assurance Tous Portables . LCL opened a total of 124,000 personal accounts and 7,000 small business accounts over the year (net figures) . In a difficult economic environment, LCL continued to support its customers, as reflected by sustained growth in lending, with loans outstanding up 3 . 3% year-on-year at end-December 2009 . This expansion was underpinned by the recovery in mortgage loans: the sharp upturn in production (up 56% year-on-year in the fourth quarter) drove up growth in loans outstanding to 4 . 4% from 3 . 5% at end-September . Loans to small businesses also registered a significant 5 . 8% year-on-year increase . Customer assets also recovered appreciably, with a 6 . 4% year-on-year rise . Growth in demand deposits was particularly high, at 9 . 4% . The life insurance segment delivered an exceptional performance, with net production multiplied by a factor of 2 . 8 over the year and business in force rising by more than 12% . Securities and mutual funds registered growth of 7 . 6% after a very difficult start to the year for the stock markets . 2 . INTERNATIONAL RETAIL BANKINGNote: The business line figures presented below are adjusted for the reclassification of African entities in the process of being sold into discontinued operations in the fourth quarter of 2008 . 2009 was a year of repositioning, resilience and consolidation for International retail banking, under difficult economic conditions in the business line s main markets, particularly in Greece . Even so, all the networks turned in good performances, and reorganisation efforts - particularly within Emporiki - began to pay off . Net banking income for the business line edged down by only 3 . 7% to E2,931 million in 2009 . This performance is due to the many commercial successes encountered by all the networks, to sustained business volumes, which offset shrinking margins, and to generally favourable refinancing conditions . The cost of risk rose by 23 . 7% over the year, primarily because of Emporiki; even so, and despite severe deterioration in market conditions in Greece, Emporiki s cost of risk stayed in line with plan targets . After persistently high cost of risk during the year coupled with the E485 million goodwill impairment charge booked for Emporiki Bank in the third quarter of 2009, Emporiki made a negative contribution of E458 million to Group net income in 2009 . Excluding Emporiki, net income, Group share, was E479 million . In the fourth quarter, the business line returned to a positive trend, underpinned by the oversight and reorganisation measures applied to all the subsidiaries . Pre-tax income and gains on discontinued operations returned to breakeven, compared with losses of E450 million in the third quarter of 2009 and of E831 million in the fourth quarter of 2008 . The cost/income ratio improved by 11 . 7 percentage points year-on-year in the fourth quarter of 2009, reflecting substantial cost-cutting efforts across all the networks . The cost of risk continued to be adversely affected by Emporiki, but they stabilised in the fourth quarter and were nearly halved over the full year . Including income from discontinued operations, International Retail banking returned to profits in the fourth quarter of 2009, after posting a loss in the four previous quarters .

(in millions of euros)	Q4-09	Change Q4/Q4	Change Q4/Q3	2009	Change 2009/2008
Net banking income	753	+1 . 9%	+4 . 3%	2,931	(3 . 7%)
Operating expenses	(508)	(11 . 0%)	+5 . 3%	(1,988)	(4 . 7%)
Gross operating income	245	+45 . 6%	+2 . 1%	943	(1 . 6%)
Cost of risk	(275)	(48 . 1%)	+0 . 5%	(1,089)	+23 . 7%
Operating income	(30)	(91 . 6%)	(11 . 1%)	(146)	nm
Equity affiliates	21	nm	(42 . 7%)	145	nm
Net income on other assets	13	nm	(59 . 3%)	(440)	+57 . 6%
Pre-tax income	4	nm	nm	(441)	+47 . 1%
Tax	(24)	nm	nm	(180)	+21 . 3%
Gain (loss) on discontinued activities	58	nm	(34 . 8%)	158	nm
Net income	38	nm	nm	(463)	+10 . 1%
Net income - Group share	31	nm	nm	(458)	+9 . 1%

In Italy, the Cariparma FriulAdria Group delivered one of the best performances in the Italian market in a weakened economy . The 8% rise in loan volumes - particularly in mortgages, where the bank registered the highest growth in new mortgage loans in Italy - offset the squeeze on margins, while commissions and fee income were underpinned by solid business performances in life insurance, non-life, and mutual funds . As a result, the decline in net banking income was confined to just 3 . 7% over the year . At the end of 2009, Cariparma FriulAdria s balance sheet was sound, its deposits were up 10%, and its liquidity was high . The quality of the portfolio remained highly satisfactory . Cariparma FriulAdria s ratio of doubtful and contested loans to risk-weighted assets was half the market average for Italian banks . Expenses were tightly controlled, with a year-on-year decline of 5 . 7% over the full year in 2009 and of 15 . 2% in the fourth quarter, despite Cariparma FriulAdria s persistently high investments; the cost/income ratio came to 56 . 8% . The cost of risk continued to reflect adverse economic conditions, but stabilised at less than 87 basis points of total loans outstanding over the last two quarters . They dropped by 20 . 2% over the year, by 2 . 1% quarter-on-quarter in the fourth quarter and by 66 . 3% year-on-year in the fourth quarter . Cariparma FriulAdria s contribution to net income, Group share came to E204 million in 2009, while its contribution in the fourth quarter was 8 . 7% higher than at end-September . Net income for the Cariparma FriulAdria Group, which includes the contribution of CA Vita and CALIT, amounted to E311 million for 2009 . In Greece, Emporiki was adversely affected by deterioration in the financial and economic situation, but over the last several months, the network regained momentum and the bank s fundamentals improved owing to implementation of the restructuring and development plan launched during the second half of 2009 . In the final quarter of 2009, Emporiki began to attract new customers owing to several significant commercial successes . Emporiki also benefited from favourable refinancing terms by comparison with the competition due to Crédit Agricole S . A . s backing . Net banking income was nearly stable year-on-year in 2009 at E697 million (down 2 . 2%), with a rise of 6 . 1% quarter-on-quarter and of 17% year-on-year in the fourth quarter . Recurring operating expenses were tightly controlled, with 27 branches closed and over 450 jobs cut in 2009, in keeping with restructuring plan targets . The cost of risk, which was closely monitored and held in line with plan targets, began to show visible improvement owing to the credit scoring, processing and collections improvement measures applied during 2009 . As a result, growth in cost of risk slowed sharply year-on-year, with a quarter-on-quarter rise confined to just 12 . 8% in the fourth quarter of 2009 . After goodwill impairment of E485 million, Emporiki s contribution to net income, Group share was a loss of E937 million . In the fourth quarter, as announced in October in its restructuring and development plan, Emporiki Bank sold five subsidiaries specialised in asset management, insurance (life and non-life), leasing and consumer finance to the Crédit Agricole S . A . Group s product subsidiaries . Moreover, to cope with continuing deterioration in Greece s economy, to secure the funding needed to implement the plan and to fund its growth while maintaining capitalisation ratios at satisfactory levels, at the December 2009 meeting, Emporiki shareholders approved a share issue of some E1 billion to be launched in 2010, with the backing of Crédit Agricole S . A . In 2009, Crédit du Maroc delivered a net banking income growth of 10 . 7%, a rise of expenses limited to the local inflation rate, contained cost of risk owing to low exposure to the real estate market, and market share gains . In Central and Western Europe, the business line s presence stood up well . In-depth restructuring measures were implemented within Index Bank (Ukraine), resulting in a 20% reduction in staff and in streamlining general resources in 2009 . 3 . SPECIALISED FINANCIAL SERVICES

(in millions of euros)	Q4-09	Change Q4/Q4	Change Q4/Q3	2009	Change
					2009/2008
Net banking income	976	+24 . 6%	+3 . 0%	3,679	+23 . 1%
Operating expenses	(444)	+6 . 1%	+5 . 1%	(1,705)	+6 . 0%
Gross operating income	532	+45 . 7%	+1 . 3%	1,974	+42 . 9%
Cost of risk	(426)	+83 . 1%	+34 . 0%	(1,320)	+93 . 0%
Operating income	106	(19 . 7%)	(48 . 7%)	654	(6 . 2%)
Equity affiliates	5	x2 . 3	x3 . 1	10	+10 . 5%
Net income on other assets	-	nm	nm	1	nm
Pre-tax income	111	(20 . 0%)	(46 . 8%)	665	(5 . 9%)
Net income - Group share	150	+51 . 2%	+33 . 8%	457	(0 . 7%)

In 2009, Specialised financial services turned in a respectable operating performance in a climate of slowing business and rising risks . The business line contributed E457 million to net income, Group share in 2009, about the same as in previous year . In 2009, the Italian acquisitions made at the end of 2008 - Ducato in consumer finance, Crédit Agricole Leasing Italia in lease finance and Eurofactor Italy in factoring - were consolidated over the full year (they were consolidated only in the balance sheet at 31 December 2008) . Net banking income moved up 23 . 1% . On a like-for-like basis (mainly excluding Ducato), net banking income advanced by 9 . 0%, reflecting the rise in consumer and lease finance outstandings and an improvement in margins due to the lower cost of funds . In addition, the business line enhanced its operational efficiency, with a 2 . 0% reduction in expenses on a like-for-like basis . Gross operating income for the business line was nearly E2 billion, a rise of 42 . 9% and of 21 . 8% on a like-for-like basis . The cost/income ratio came to 46 . 3%, a decline of 7 . 5 percentage points on 2008 . Cost of risk significantly increased by 93% over the year, mainly reflecting the E110 million added to provisions in the fourth quarter to bring them up to par following the Agos-Ducato merger . Adjusted for this, in the fourth quarter, the cost of risk stabilised at the high level registered in the third quarter . The intermediation ratio, which factors in expenses in risks, was among the best in the industry at 82 . 2% in 2009 . Net income includes the positive impact of the Agos-Ducato merger, which was completed on 21 December 2009, leading to a 33 . 8% quarter-on-quarter rise in net income, Group share in the fourth quarter . In consumer finance, business was solid over the year against a backdrop of responsible lending . Loans outstanding advanced by 6 . 4%, with substantial growth in the two domestic markets, France and Italy . In France, the business line benefited from stronger anchoring within the Group and from a 1 point gain in market share, which advanced to 19 . 2%, while production was down 9 . 3%, compared with a 13 . 3% drop for the market (source: ASF) . In Italy, the successful Agos-Ducato merger makes the new entity the uncontested leader, with a 15 . 6% market share (source: Sofin) . Partnerships with carmakers continued to expand and the Group entered into new agreements: with the Indian group Tata (Jaguar and Land Rover brands), with Chrysler (Chrysler, Dodge and Jeep brands), and with Guangzhou Automobile, the fifth largest car dealer in China, in a joint venture that will begin operations in 2010 . The cost of risk moved up 64% over the year on a like-for-like basis . In the fourth quarter, they stabilised at the same high level as in the third quarter . In the fourth quarter, these costs were stable in France, primarily owing to measures adopted to prevent overdue payments and to strengthen collections, but they were higher internationally due to the impact of the Agos-Ducato merger . As a percentage of outstandings, the cost of risk remained under control, at 319 basis points of Basel I risk-weighted assets in France and 216 basis points for international operations . On a like-for-like basis, expenses were down 2 . 2% (excluding restructuring costs in the fourth quarter associated with the merger of Sofinco and Finaref into Crédit Agricole Consumer Finance, which was completed in 2010) . In factoring and in lease finance (for both equipment and property), the Group strengthened its leadership positions in France . In lease finance, business momentum was robust, with a 10 . 7% advance in outstandings to E17 . 6 billion, including rises of 9 . 5% in France and 5% internationally on a like-for-like basis . In particular, public services and environmental business were driven up by the development of solar energ

Parigi, 25 febbraio 2010 Risultati del quarto trimestre e dell intero esercizio 2009Risultati del quarto trimestre: conferma della capacità di redditoUtile netto sottostante (quota gruppo):1 E 794 milioni, vs E 223 milioni nel 3trimUtile netto senza voci non ricorrenti: E 296 milioniUtile netto (quota gruppo): E 748 milioniGli utili del 2009 sono ancora in rosso per l impatto GAPC nel primo semestreUtile netto sottostante (quota gruppo):1 E 916 milioni, più 3% sul 2008Utile netto (quota gruppo): -E 1,707 milioniAssetto finanziario rinforzatoCore Tier One ratio:* 8 . 1%Tier One ratio:* 9 . 1%* dati proforma per il rimborso dell anticipo azionistiA strategic plan consistent with Groupe BPCEThree core businesses up and runningDefining moves in Financial StakesImplementation of the New Deal plan well underway

Q4-2009 results	2009 results
NBI:2 E1,690 million	NBI:2 E5,504 million
Income before tax:1 E492 million	Income before tax:1 E193 million
U/l net income (gp . share):1 E794 million	U/l net income (gp . share):1 E916 million
Net income (gp . share): E748 million	Net income (gp . share): -E1,707 million

1 excluding the GAPC, net income from discontinued operations and net restructuring charges2 excluding the GAPC and net income from discontinued operationsNatixis consolidated results were approved by the Board of Directors on February 24, 2010 . The process of verifying the consolidated financial statements for the year ended December 31, 2009 has to a large extent been completed . The statutory auditors reports certifying the consolidated financial statements will be issued after the verification of the management report and the completion of procedures required for the finalization of the registration document . The full press release is available in attachmentCopyright HuginThe appendixes relating to the press release are available on: http://www . hugingroup . com/documents_ir/PJ/CO/2010/163566_88_5R37_NATIXIS-CPresults2009EN . pdf Questo comunicato é distribuito da Hugin . L emittente è l unico responsabile per il contenuto del comunicato . [CN#163566]

Accordo 2010 per la vendita di concentrato di zincoCon il ritorno della Cina sui mercati dopo il loro capodanno, la Volcan Compania Minera ha lanciato una gara per una parte della produzione di concentrato di zinco del 2010 . Dopo due tornate di offerte e proposte di miglioramento ricevute da tredici società interessate al prodotto, i lotti sono stati aggiudicati a condizioni migliori di quelle previste da Volcan nell ultima gara lanciata alcune settimane . Le condizioni ottenute prevedono un TC di USD 115 CIF principale porto asiatico, basato su un prezzo dello zinco di USD 2,200 . Questo nuovo tonnellaggio si aggiunge ai 230,000 WMT di concentrato di zinco già aggiudicati a termini simili negli ultimi tre mesi, con consegna nel 2010 . The total tonnage awarded had an average of at least 180-dollar of improvement in favor of the miner compared to the year 2009 benchmark terms . The magnitude of the tonnage, together with the continuous improving results through various tenders, will indicate these are not isolated agreements and will be marking a trend . This last improvement in the market terms arises amid the request from many of Volcan zinc concentrate current off-takers, to divert important deliveries to a local Refinery instead of its initially intended point which was the Callao port . Considering this New Year s market scenario, 2010 benchmark terms should reflect the forceful current TC conditions driven by the market structure where China and Peru are important key players . Copyright Hugin Questo comunicato é distribuito da Hugin . L emittente è l unico responsabile per il contenuto del comunicato . [CN#163589]

BioMarine Fuels, Inc . è stata selezionata per partecipare a CleanEquity Monaco 2010, la vetrina più importante per le aziende che operano nel settore delle tecnologie pulite ed ecologiche (Cleantech) di nuova generazione . La conferenza si terrà il 4 e 5 marzo allo Sporting d Hiver di Monaco . Un gruppo di aziende Cleantech tra le più interessanti al mondo, selezionate da un panel di esperti, interverrà dinanzi a un pubblico composto da investitori finanziari e strategici del settore, policy maker, giuristi e rappresentanti dei media . Innovator Capital, banca londinese che si occupa di investimenti specializzati, è l organizzatrice di questo evento annuale, a cui è possibile accedere esclusivamente su invito . Organizzatrice regionale di CleanEquity Monaco è la Chambre de développement économique di Monaco . Other local partners include Prince Albert II of Monaco s Foundation, the Monte Carlo SBM, and the Stelios Philanthropic Foundation . Collaborators for the 2010 event include Arup, Covington and Burling LLP, the Hugin Group, Invest Securities, Royal Philips Electronics NV and the UNEP Fi . Plenary sessions, led by sector experts, will discuss and identify key industry themes, drivers and constraints, as well as forward looking trends . BioMarine Fuels, Inc . , a US-Nevada corporation, is a development stage company formed in 2008 to construct a novel and proprietary closed photobioreactor system or SolarMagnatronTM for growing commercial volumes of energy-rich algal biomass to be used in the creation of "green" biofuels for the electric power and transportation fuels industry, and chemicals like Omega-3 fatty acids for use in the pharmaceutical, nutraceutical and food industries . John D . Ericsson, CEOBioMarine Fuels, Inc . P . O . Box 776,Gulf Breeze, Florida 32562Tel: 850-525-3515Email: j . ericsson@biomarinefuels . comWebsite: www . biomarinefuels . comCopyright Hugin Questo comunicato é distribuito da Hugin . L emittente è l unico responsabile per il contenuto del comunicato . [CN#163463]

Loopwing Co . , Ltd . selezionata per partecipare a CleanEquity Monaco 2010LOOPWING Co . , Ltd . è stata selezionata per partecipare a CleanEquity Monaco 2010, la vetrina più importante per le aziende che operano nel settore delle tecnologie pulite ed ecologiche (Cleantech) di nuova generazione . La conferenza si terrà il 4 e 5 marzo allo Sporting d Hiver di Monaco . Un gruppo di aziende Cleantech tra le più interessanti al mondo, selezionate da un panel di esperti, interverrà dinanzi a un pubblico composto da investitori finanziari e strategici del settore, policy maker, giuristi e rappresentanti dei media . Innovator Capital, banca londinese che si occupa di investimenti specializzati, è l organizzatrice di questo evento annuale, a cui è possibile accedere esclusivamente su invito . Organizzatrice regionale di CleanEquity Monaco è la Chambre de développement économique di Monaco . Other local partners include Prince Albert II of Monaco s Foundation, the Monte Carlo SBM, and the Stelios Philanthropic Foundation . Collaborators for the 2010 event include Arup, Covington and Burling LLP, the Hugin Group, Invest Securities, Royal Philips Electronics NV and the UNEP Fi . Plenary sessions, led by sector experts, will discuss and identify key industry themes, drivers and constraints, as well as forward looking trends . Loopwing Co . , Ltd . is an incubator of innovative technology for clean energy generators . We are in contributing to the prevention of the global warming by producing a wind and ocean current turbine generator with high efficiency by LOOPWING technology . CONTACT DETAILSTeruo WatanabeLoopwing Co . , Ltd . 5th Floor, K . Y Bldg . , 3-16-14 Roppongi,Minato-ku, Tokyo Japan 106-0032Tel : +81-(0)3-6682-4253Fax : +81-(0)3-6682-4261tery . watanabe@loopwing . co . jpwww . loopwing . co . jpCopyright Hugin Questo comunicato é distribuito da Hugin . L emittente è l unico responsabile per il contenuto del comunicato . [CN#163439]

Saint Cloud, 22 febbraio 2010Il fatturato netto consolidato del 2009 registra una flessione del 9% rispetto al 2008 . Fatturato netto consolidato

(in migliaia di euro)	2009	2008	Variazione percentuale
1° trimestre	545 . 992	754 . 746	- 28 %
2° trimestre	838 . 079	789 . 425	+ 6 %
3° trimestre	908 . 689	989 . 257	- 8 %
4° trimestre	1 . 128 . 419	1 . 214 . 718	- 7 %
TOTALE	3 . 421 . 179	3 . 748 . 146	- 9 %

Nota: i dati provvisori non sono confrontabili in quanto non riflettono il fatturato annuo Copyright Hugin Questo comunicato é distribuito da Hugin . L emittente è l unico responsabile per il contenuto del comunicato . [CN#163465]