FIRST QUARTER 2025 EARNINGS CONFERENCE CALL FORWARD LOOKING STATEMENTS Some statements in this release, which are not historical facts, are "forward-looking statements" as defined by the Private Securities Litigation Reform Act of 1995. Forward- looking statements include statements about Arcosa's estimates, expectations, beliefs, intentions or strategies for the future. Arcosa uses the words "anticipates," "assumes," "believes," "estimates," "expects," "intends," "forecasts," "may," "will," "should," "guid ...

Core Points - Crédit Agricole S.A. announced the redemption of EUR 750,000,000 Subordinated Fixed Rate Resettable Notes issued on June 5, 2020, effective June 5, 2025 [1][2] - The redemption will occur at the outstanding nominal amount along with any accrued interest, as per the terms and conditions outlined in the base prospectus [1][2] - On the redemption date, the redemption amount will be due and payable, and the notes will cease to bear interest unless the amount is improperly withheld [2] Summary by Sections - **Redemption Announcement** - Crédit Agricole S.A. will redeem all outstanding EUR 750,000,000 Subordinated Fixed Rate Resettable Notes on June 5, 2025 [1] - The redemption is in accordance with Condition 6(e) of the terms and conditions of the notes [1] - **Redemption Amount and Interest** - The redemption amount includes the outstanding nominal amount and any accrued interest [1] - Notes will stop accruing interest on the redemption date unless the redemption amount is improperly withheld [2] - **Additional Information** - Further details regarding the redemption process are provided in the notice to the holders of the notes [2] - For more information about Crédit Agricole S.A., the company's website is available [3]

Arcosa (ACA) came out with quarterly earnings of $0.49 per share, beating the Zacks Consensus Estimate of $0.29 per share. This compares to earnings of $0.73 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 68.97%. A quarter ago, it was expected that this provider of infrastructure-related products and services would post earnings of $0.79 per share when it actually produced earnings of $0.46, delivering a surprise of -41.77%.O ...

News Release FOR IMMEDIATE RELEASE Arcosa, Inc. Announces First Quarter 2025 Results DALLAS, Texas - ARCOSA, Inc. - May 6, 2025: Arcosa, Inc. (NYSE: ACA) ("Arcosa," the "Company," "We," or "Our"), a provider of infrastructure-related products and solutions, today announced results for the first quarter ended March 31, 2025. First Quarter 2025 Highlights | | | | | Three Months Ended March 31, | | | --- | --- | --- | --- | --- | --- | | | | 2025 | | 2024 | % Change | | | | | ($ in millions, except per share a ...

Montrouge, May 6, 2025 CREDIT AGRICOLE S.A. ANNOUNCES REDEMPTION OF ¥5,800,000,000 Japanese Yen Callable Subordinated Bonds issued on June 4, 2020 (ISIN: JP525022CL68)* Crédit Agricole S.A. (the “Issuer”) announces today the redemption (the “Redemption”) with effect on June 4, 2025 (the “Redemption Date”) of all of its outstanding ¥5,800,000,000 Japanese Yen Callable Subordinated Bonds - issued on June 4, 2020 (ISIN: JP525022CL68) (the “Bonds”) pursuant to Condition 7 (5) (Redemption at the option of the I ...

Montrouge, May 6, 2025 CREDIT AGRICOLE S.A. ANNOUNCES REDEMPTION OF ¥105,500,000,000 Japanese Yen Callable Senior Non-Preferred Bonds issued on June 4, 2020 (ISIN: JP525022AL60)* Crédit Agricole S.A. (the “Issuer”) announces today the redemption (the “Redemption”) with effect on June 4, 2025 (the “Redemption Date”) of all of its outstanding ¥105,500,000,000 Japanese Yen Callable Senior Non-Preferred Bonds - issued on June 4, 2020 (ISIN: JP525022AL60) (the “Bonds”) pursuant to Condition 7 (4) (Redemption at ...

Montrouge, 30 April 2025 CREDIT AGRICOLE S.A. ANNOUNCES FULL REDEMPTION OFthe outstanding principal amount of itsGBP Undated Deeply Subordinated Additional Tier 1 Fixed Rate Resettable Notes issued on April 8, 2014 (ISIN: XS1055037920)* Crédit Agricole S.A. (the “Issuer”) announces today the full redemption (the “Redemption”) with effect on June 30, 2025 (the “Redemption Date”) of the outstanding principal amount of its GBP Undated Deeply Subordinated Additional Tier 1 Fixed Rate Resettable Notes (the “Not ...

Core Insights - Crédit Agricole S.A. reported increased revenues and strong profitability despite a significant tax impact, with Q1 2025 revenues reaching €7,256 million, up 6.6% year-on-year, and net income group share at €1,824 million, down 4.2% from Q1 2024 [1][24][14] Financial Performance - Revenues for Crédit Agricole Group totaled €10,048 million in Q1 2025, reflecting a 5.5% increase compared to Q1 2024, driven by growth in various business lines, particularly Asset Gathering and Corporate and Investment Banking [15][25] - Operating expenses increased by 7.2% to €5,992 million, leading to a cost/income ratio of 59.6%, up 1.0 percentage point year-on-year [15][24] - Gross operating income was €4,056 million, a 3.0% increase from the previous year, while net pre-tax income rose by 1.6% to €3,399 million [15][17] Business Segments - The Asset Gathering division saw revenues increase by 15% to €2,058 million, supported by strong inflows and the integration of Degroof Petercam [43][40] - Corporate and Investment Banking achieved record revenues of €1,887 million, up 7.3% year-on-year, driven by strong performance in capital markets and investment banking activities [60][54] - Insurance revenues reached €727 million, a slight increase of 0.7%, with significant contributions from savings/retirement and property and casualty insurance segments [46][35] Customer Growth and Market Position - Crédit Agricole Group added 550,000 new customers in retail banking during Q1 2025, with a total of €835 billion in on-balance sheet deposits, reflecting a 1.3% year-on-year increase [6][7] - The loan production in France showed recovery, with home loan production increasing by 37% for Regional Banks compared to Q1 2024 [7][18] Capital and Solvency - The phased-in CET1 ratio for Crédit Agricole S.A. stood at 12.1%, while the Group's ratio was 17.6%, benefiting from the positive impact of CRR3 [3] Strategic Initiatives - The Group continues to support energy transition initiatives, increasing its exposure to low-carbon energy financing by 141% since the end of 2020, totaling €26.3 billion by the end of 2024 [11][12] - Partnerships and acquisitions were highlighted, including the creation of a joint venture with Sofinco Leasing and the planned acquisition of Banque Thaler by Indosuez Wealth Management [5][40]

Core Viewpoint - Crédit Agricole S.A. is undergoing a significant governance restructuring, with a new executive team and organizational divisions set to take effect on June 1, 2025, aimed at enhancing operational efficiency and strategic focus [2][3][10]. Management Structure - Olivier Gavalda will assume the role of CEO on May 14, 2025, and will propose the appointment of Jérôme Grivet as the sole Deputy Chief Executive Officer [2]. - The General Management will be organized into seven divisions, with specific responsibilities assigned to various executives [3][4]. Divisional Responsibilities - Olivier Gavalda will oversee five divisions and the Corporate Secretary, which includes the Technological Transformation department led by Olivier Biton [4][5]. - Jérôme Grivet will supervise two divisions and control functions, including Universal Retail Banks and International Banking and Services [6][7]. Key Divisions and Leadership - Major Clients division will be led by Jean-François Balaÿ, while the Finance and Steering division will be managed by Clotilde L'Angevin [8][10]. - The new Savings and Wealth Management division will encompass Amundi, Crédit Agricole Assurances, and Indosuez Wealth Management, each led by their respective CEOs [8][9]. Executive Committee Composition - The Executive Committee will consist of 18 members, including key figures such as Olivier Gavalda, Jérôme Grivet, and Clotilde L'Angevin, among others [10][16].

Montrouge, 23 April 2025 ORDINARY AND EXTRAORDINARY GENERAL MEETING OF CRÉDIT AGRICOLE S.A. OF 14 May 2025 Publication of the Notice of Meeting – Opening of the vote – Procedures for making the preparatory documents available Crédit Agricole S.A. informs its shareholders that its Ordinary and Extraordinary General Meeting will be held on Wednesday, 14 May 2025 at 9.30 am in Paris (75005), France, at Maison de la Mutualité, 24 rue Saint-Victor. A Notice of Meeting, including in particular the agenda and the ...