in brief2002 crédit agricole sa abridged annual report 11 abrégé casa 02 anglais 1 06 03 23 55 page 101 contents the group corporate profile 01 message from chairman and chief executive officer 04 2002 key figures shareholder information 08 board of directors 10 management 12 human resources 14 review operations french retail banking 16 asset insurance private 24 investment 30 international 36 organisation 40 promoting sustainable development 42 financial summary summarised consolidated balance sheets statements income 46 simplified structure 48 102 brief was formed at end 2001 as part s initial public offering is a diversified one europe leading players representative all component parts