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KEY FIGURES 2020 W EVERY DAY IN THE INTEREST OF OUR CUSTOMERS AND SOCIETY st 1retail bank 52 in the European Union Based on number of retail banking customers customers 10,000 branches including countries in France Regional Banks and LCL 10 th 1 st 1 st 1 st Largest bank Asset Manager Provider of financing Insurer in the world in Europe to the French economy in France based on balance sheet Source: IPE Top 500 Asset Managers Internal source: Source: Argus de l’assurance, Source: The Banker, published in June 2020 based on assets Office of Economic Research December 2020, ranking based on July 2020 under management as at 31/12/2019 2019 revenues Crédit Agricole Group Crédit Agricole Group includes Crédit Agricole S.A., as well as all of the Regional Banks and Local Banks and their subsidiaries. REGIONAL BANKS 10.9 million MUTUAL SHAREHOLDERS who hold mutual shares in 2,410 LOCAL BANKS FLOAT 30.9% INSTITUTIONAL INVESTORS 39 REGIONAL BANKS jointly holding the majority 8.0% of CRÉDIT AGRICOLE S.A.’s share capital INDIVIDUAL SHAREHOLDERS (1) through SAS Rue La Boétie 5.8% EMPLOYEE SHARE OWNERSHIP Political link 100% 25% PLANS (ESOP) (2) Sacam Fédération Nationale N-S Mutualisation du Crédit Agricole (FNCA) TREASURY SHARES HOLDING 44.7% HOLDING 55.3% ASSET SPECIALISED GATHERING SUBSIDIARIES RETAIL LARGE BANKING CUSTOMERS SPECIALISED FINANCIAL SERVICES (1) The Regional Bank of Corsica, 99.9% owned by Crédit Agricole S.A., is a shareholder of Sacam Mutualisation. (2) Non-significant. Customer-focused universal banking Our unique customer-focused universal banking model is based on the Group’s complementary activities, both in France and abroad. Together, we offer all our customers a complete range of banking and non-banking services suited to their needs. SPECIALISED BUSINESS LINES IN FRANCE RETAIL • 39 CRÉDIT BANKING AGRICOLE REGIONAL BANKS • LCL • BforBank LARGE • CRÉDIT AGRICOLE CIB CUSTOMERS Corporate and investment bank • CACEIS Securities and investor services ABROAD • Crédit Agricole Italia 52 MILLION • CA Bank Polska SPECIALISED • CA Egypt FINANCIAL CUSTOMERS • Crédit du Maroc SERVICES Individuals, Farmers, • CA Ukraine • CA Serbia • CRÉDIT AGRICOLE Small Businesses, Local Authorities, CONSUMER FINANCE Institutions, Corporates Consumer finance • CRÉDIT AGRICOLE 48 COUNTRIES LEASING & FACTORING Lease financing and 142,000 factoring EMPLOYEES PAYMENT SYSTEMS • CRÉDIT AGRICOLE PAYMENT SERVICES ASSET GATHERING OTHER SPECIALISED • CRÉDIT AGRICOLE • CRÉDIT AGRICOLE SUBSIDIARIES ASSURANCES IMMOBILIER CAGIP, Crédit Agricole Capital, Savings, life, death Global real-estate operator Investment & Finance and disability, creditor • INDOSUEZ WEALTH (IDIA CI, SODICA CF), and property/casualty MANAGEMENT Uni-Médias insurances Wealth management • AMUNDI Asset management 2020 performance CUSTOMERS SERVING CUSTOMERS EVERY DAY ENVIRONMENT AND SOCIETY 10,000 retail bank branches in France and abroad €355.9bn of outstanding ESG multi-criteria solutions (7) +1.5 million 8.8 million €31bn new customers (1) monthly users for SGL (3) of the Group’s Apps (2) (1) Gross customer acquisition in retail banking in France and in Italy. (2) Crédit Agricole, LCL, BforBank, Crédit Agricole Italie, AGOS, Uni-médias, Sofinco. +57% (3) State guaranteed loans. Amounts claimed as at 31/12/2020. green loans portfolio for €11.4bn FINANCING THEIR PROJECTS, MANAGING THEIR SAVINGS AND PROTECTING THEIR INTERESTS Renewable energies: CAA No.2 worldwide 14.6 million €1,895bn €2.595bn Green, Social property and casualty assets under in investments & Sustainability Bonds, insurance contracts management (5) LCL all currencies, for Crédit Agricole for Crédit Agricole CIB (4) Assurances €312m in financing (8) Coal exposure : Amundi – 34% 1 out of 3 1.8 million €707bn CACIB Mid-Caps consumer loans outstanding financed by projects financed in retail banking – 28% CAL&F in France by CA CF in France in France (7) Environmental, (4) Source: Bloomberg. social and governance. (5) By Amundi, Crédit Agricole Assurances and Crédit Agricole Indosuez Wealth Management. (8) In millions of euros between 2019 and 2020. EMPLOYEES 74% in France 142,000 26% 4,700 18,000 Group employees (6) abroad work-study new hires (permanent contracts, participants (6) fixed-term contracts and work-study participants) (6) (6) Scope: Crédit Agricole Group. Financial profile 2020 CRÉDIT AGRICOLE CRÉDIT AGRICOLE (in billions of euros) FINANCIAL GROUP S.A. RATINGS BUSINESS ACTIVITY at 01/03/2021 Gross customer loans (1) 985 416 S&P Customer deposits 963 719 A+ Negative outlook Total balance sheet 2,218 1,961 MOODY’S STATED ANNUAL RESULTS Aa3 Stable outlook Revenues 33.6 20.5 FITCH Operational efficiency (cost/income ratio) 63.3% 60.7% A+ Negative outlook Income (net income Group share) 4.7 2.7 AA DBRS (1) Customers loans and finance leases. Liquidity Return on equity (2) low Stable (2) Underlying return on tangible equity. €438bn 9.3% outlook EXTRA-FINANCIAL FINANCIAL STRUCTURE RATINGS at01 01/03/2021 01 M SPÉCIMENÉÉÉCIMEN SPÉCIMEN SPÉCIMEN R SPÉCIMENÉÉÉCIME SPÉCIMEN SPÉCIMEN C SPÉCIMENÉCIMEN SPÉCIMENMENNS SPÉCIMENSPÉ SPÉCIMENÉCIMEN SPÉCIMEN SPÉCIMENSSPÉCI Standard - FULL SPÉCIMENPÉCIMEN SPÉCIMENCI E SPÉCIMENS C SPÉCIMENPÉCIMEN SPÉCIMEN SPÉCIMENP M (utilisable que pour un document supérieur au A5) SPÉCIMENÉCIMEN SPÉCIMEN SPÉCIMEN SPÉCIMENÉCIMEN SPÉCIMEN SPÉCIMEN TOTAL EQUITY PHASED-IN SOLVENCY RATIOS SPÉCIMENÉCCIME SPÉCIMEN SPÉCIMEN SPÉCIMENÉCCIME SPÉCIMEN SPÉCIMEN PORTRAIT PAYSAGE landscape 02 02 (in billions of euros) MA-SSPÉCIMENIME CDPSPÉCIMEN SPÉCIMEN R SPÉCIMENCIME SPÉCIMEN SPÉCIMEN SPÉCIMENÉÉÉCIMEN SPÉCIMEN SPÉCIMEN SSPÉCIMENCIMEN SPÉCIMEN SPÉCIMEN SPÉCIMENÉCIMEN SPÉCIMEN SPÉCIMEN SPÉCIMENN SPÉCIMENSPÉC SPÉCIMENÉCIMEN SPÉCIMEN SPÉCIMEN mini SSPÉCIMENPÉCIMEN SPÉCIMEN SPÉCIMEN SPÉCIMENPÉCIMEN SPÉCIMEN SPÉCIMEN SPÉCIMENEN SPÉCIMENSPÉÉ SPÉCIMENPÉCIMEN SPÉCIMEN SPÉCIMEN SSPÉCIMENÉCIMEN SPÉCIMEN SPÉCIMEN SPÉCIMENÉCIMEN SPÉCIMEN SPÉCIMEN SPÉCIMENMEN SPÉCIMENSPÉC 12 SPÉCIMENÉCIMEN SPÉCIMEN SPÉCIMEN SSPÉCIMENÉCCIMME SPÉCIMEN SPÉCIMENSPÉC MMEE SPÉCIMENÉCCIME SPÉCIMEN SPÉCIMENPÉCIMMME 6.9 SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENMENNSN SPÉCIMENSPÉC SPÉCIMENÉCCIMEN SPÉCIMEN SPÉCIMEN mm SPÉCIMENMENS SPÉCIMENPÉC SPÉCIMENMEN SPÉCIMENSSPPPÉÉÉC 03 MSCI 03 SPÉCIMENMEN SPÉCIMENSSPPÉ M SPÉCSPÉCIMENCIME E SPÉCSPÉCIMEN E SPÉCSPÉCIMEN E R SPÉCSPÉCIMENCIME E SPÉCSPÉCIMEN E SPÉCSPÉCIMEN E 119.6 21.1% SPÉCIMEN SPÉCIMENÉ ASPÉCIMENÉCIMEN (MorganSPÉCIMEN SPÉCIMEN StanleySPÉCIMEN ÉCIMEN SPÉCIMEN SPÉCIMENCI Mixte ou recyclé à défi nir lors de SPÉCIMENPÉCIMEN SPÉCIMEN SPÉCIMEN SPÉCIMENPÉCIMEN SPÉCIMEN SPÉCIMEN l’achat19.2% du papier selon les SPÉCIMENÉCIMEN SPÉCIMEN SPÉCIMEN SPÉCIMENÉCIMEN SPÉCIMEN SPÉCIMEN SPÉCIMENÉCCIME CapitalSPÉCIMEN SPÉCIMEN International)SPÉCIMENÉCCIME SPÉCIMEN SPÉCIMEN 17.2% informations du papetier. mini 17 mm 04 04 M SPÉCIMENCIME SPÉCIMEN SPÉCIMENN R SPÉCIMENCIM SPÉCIMEN SPÉCIMENN SPÉCIMENÉCIMEN SPÉCIMEN SPÉCIMENN SPÉCIMENÉCIMEN SPÉCIMEN SPÉCIMENN 13.1% 63SPÉCIMENPÉCIMEN SPÉCIMEN SPÉCIMENN SPÉCIMENPÉCIMEN SPÉCIMEN SPÉCIMENN SPÉCIMENÉCIMMEN VigeoSPÉCIMEN SPÉCIMENN Eiris SPÉCIMENÉCIMMEN SPÉCIMEN SPÉCIMENN SPÉCIMENEN SPÉCIMENSP CI SPÉCIMENN SPÉCIMENSP CI SPÉCIMENEN SPSPÉCIMENÉC N SPÉCIMENN SPÉCIMENSP CI 8.3 SPÉCIMENÉÉCCIIME SPÉCIMEN SPÉCIMENN SPÉCIMENÉÉCCIIME SPÉCIMEN SPÉCIMENN SPÉCIMENMEN SPÉCIMENSPÉC SPÉCIMENMEN SPÉCIMENSPÉC SPÉCIMENMEN SPÉCIMENSPÉ N SPÉCIMENMEN SPÉCIMENSPÉC 8.9%SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENÉCIMEN SPÉCIMENSPÉC N SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENÉCIMEN SPÉCIMENSPÉC N 7.9%SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENMENN SPÉCIMENSPÉC SPÉCIMENMENN SPÉCIMENSPPÉC SPÉCIMENIMEN SPÉCIMENSPÉC N SPÉCIMENMENN SPÉCIMENSPPÉC 65.2 SPÉCIMENMEN SPÉCIMEN SPPÉC SPÉCIMENMEN SPÉCIMEN SPPÉC SPÉCIMENIMENS SPÉCIMENPÉC N SPÉCIMENMEN SPÉCIMEN SPPÉC Valeurs chromiques du vert FSC Zone d’exclusion SPÉCIMENMEN SPÉCIMENSSPPPÉÉCC SPÉCIMENMEN SPÉCIMENSPÉÉCC SPÉCIMENMMEENN SPÉCIMENSSPPPÉÉÉC N SPÉCIMENMEN SPÉCIMENSPÉÉCC en quadrie : C100% - M60% - J100% - N20% le logo FSC doit avoir une zone d’espace libre Fond noir Fond vert Fond blanc Fond blanc PrimeUtilisé en teinte : Pantone PMS 626C autour de celui-ci équivalent à la hauteur des Textes blanc Textes blanc Textes noirs Textes verts ISS ESG lettre «FSC» REF: 2.7376.7 DCF/21 – Design and Production: Lonsdale – Photo credit: Gettyimages – Printing: Calligraphy Print 126.5 73.5 05 05 06 06 07 07 08 08 M R M R M R M R SPÉCIMENÉÉN SPÉCIMENSPÉC SPÉCIMENÉÉN SPÉCIMENSPÉC SPÉCIMENÉÉN SPÉCIMENSPÉC SPÉCIMENÉÉN SPÉCIMENSPÉC SPÉCIMENÉÉN SPÉCIMENSPÉC SPÉCIMENÉÉN SPÉCIMENSPÉC SPÉCIMENÉÉN SPÉCIMENSPÉC SPÉCIMENÉÉN SPÉCIMENSPÉC SPÉCIMENEN SPÉCIMENSPÉÉ SPÉCIMENEN SPÉCIMENSPÉÉ SPÉCIMENEN SPÉCIMENSPÉÉ SPÉCIMENEN SPÉCIMENSPÉÉ SPÉCIMENEN SPÉCIMENSPÉÉ SPÉCIMENEN SPÉCIMENSPÉÉ SPÉCIMENEN SPÉCIMENSPÉÉ SPÉCIMENEN SPÉCIMENSPÉÉ CRÉDIT AGRICOLE CRÉDIT CRÉDIT AGRICOLE SPÉCIMENMEN SPÉCIMENSPÉC SPÉCIMENCRÉDITMEN SPÉCIMENSPÉC SPÉCIMENMEN SPÉCIMENSPÉC SPÉCIMENMEN SPÉCIMENSPÉC SPÉCIMENMEN SPÉCIMENSPÉC SPÉCIMENMEN SPÉCIMENSPÉC SPÉCIMENMEN SPÉCIMENSPÉC SPÉCIMENMEN SPÉCIMENSPÉC SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENCIMEN SPÉCIMENSPÉC SPÉCIMENNS SPÉCIMEN SPÉCIMENNS SPÉCIMEN SPÉCIMENNS SPÉCIMEN SPÉCIMENNS SPÉCIMEN SPÉCIMENNS SPÉCIMEN SPÉCIMENNS SPÉCIMEN SPÉCIMENNS SPÉCIMEN SPÉCIMENNS SPÉCIMEN GROUP AGRICOLE S.A. 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    Contacts Media Contact Relations Investisseurs Amsterdam +31 20 721 4133 Bruxelles +32 2 620 15 50 +33 1 70 48 24 27 Dublin +353 1 617 4249 Lisbonne +351 210 600 614 Milan +39 02 72 42 62 12 Oslo +47 22 34 19 15 Paris +33 1 70 48 24 45 Declaration of crossing of thresholds – Euronext Paris Paris – 11 Mai 2021 – Intesa Sanpaolo S.p.A, CDP Equity S.p.A and Cassa Depositi e Prestiti S.p.A (as parent company of CDP Equity S.p.A) have notified Euronext Paris that, on 29 April 2021, acting in concert with a group of existing reference shareholders of Euronext N.V., they have crossed the legal thresholds of 10% and of 20% of the share capital and voting rights of Euronext N.V., which holds 100% of the share capital and voting rights of Euronext Paris. As a result, as of 29 April 2021, Intesa Sanpaolo S.p.A, CDP Equity S.p.A, ABN AMRO Bank N.V. (through its subsidiary ABN AMRO Participaties Fund I B.V.), Caisse des Dépôts et Consignations, Euroclear S.A./N.V. and Société Fédérale de Participations et d’Investissement/ Federale Participatie – en Investeringsmaatschappij, acting in concert, held indirectly 1,660,030 shares and 27.85% of the share capital and voting rights of Euronext Paris. CONTACTS MEDIA – [email protected] Aurélie Cohen (Europe/Paris) +33 1 70 48 24 45 [email protected] Marianne Aalders (Amsterdam) +31 20 721 41 33 [email protected] Pascal Brabant (Bruxelles) +32 2 620 15 50 [email protected] Shannon Sweeney (Dublin) +353 1 617 4249 [email protected] Sandra Machado (Lisbonne) +351 210 600 614 [email protected] Andrea Monzani (Milan/Rome) +39 02 72 42 62 13 [email protected] Service presse (Oslo) +47 22 34 17 34 [email protected] ANALYSTS & INVESTISSEURS – [email protected] Aurélie Cohen +33 1 70 48 24 27 [email protected] Clément Kubiak +33 1 70 48 26 33 [email protected] A propos d’Euronext Euronext est un groupe leader d’infrastructure de marché pan-européen, connectant les économies locales aux marchés financiers mondiaux, pour accélérer l'innovation et la croissance durable.