Montrouge, November 7th, 2024 End of Crédit Agricole S.A.’s share repurchase program Crédit Agricole S.A.’s share repurchase program, which started on 1 October 2024, was fully completed on 6 November 2024. As of 6 November 2024, 15,128,677 shares of Crédit Agricole S.A. have been purchased pursuant to the irrevocable instruction given to an independent investment services provider, for an aggregate purchase price of 208 465 605 euros. Such irrevocable instruction was therefore terminated as of the same dat ...

VERY STRONG QUARTER, 2024 INCOME TARGET CONFIRMED   CASA AND CAG STATED AND UNDERLYING DATA Q3-2024               CRÉDIT AGRICOLE S.A.   CRÉDIT AGRICOLE GROUP     Stated   Underlying     Stated   Underlying Revenues   €6,487m+2.3% Q3/Q3   €6,484m+7.0% Q3/Q3     €9,213m-0.4% Q3/Q3   €9,210m+4.1% Q3/Q3 Expenses   -€3,689m+9.2% Q3/Q3   -€3,654m+8.2% Q3/Q3     -€5,590m+6.2% Q3/Q3   -€5,556m+5.5% Q3/Q3 Gross Operating Income   €2,799m-5.7% Q3/Q3   €2,830m+5.5% Q3/Q ...

Press release Montrouge, 6 November 2024 Crédit Agricole Immobilier announces the closing of the acquisitionof Nexity Property Managementand becomes the leader of Property Management in France Crédit Agricole Immobilier is pleased to announce that it has completed the acquisition of Nexity Property Management, a Nexity subsidiary specialised in commercial and residential asset management. With this transaction, announced on 25 July 2024, Crédit Agricole Immobilier becomes the leader in institutional propert ...

Transaction Overview - Crédit Agricole Personal Finance & Mobility plans to acquire 50% equity in GAC Leasing through a reserved capital increase, forming a joint venture to support GAC Group's growth in China [1][2] - The joint venture aims to offer financial and operational leasing solutions in China by 2025, promoting electric vehicle deployment [1] - This transaction strengthens the existing partnership between Crédit Agricole Personal Finance & Mobility and GAC Group, which began in 2009 with the creation of GAC-Sofinco AFC [1] Market Impact - The joint venture will enhance leasing offerings for Chinese customers, stimulating electric vehicle sales, which already account for 60% of GAC Leasing's portfolio of over 200,000 vehicles [3] - The transaction is expected to have a very limited impact on the CET1 ratio of Crédit Agricole S A and the Crédit Agricole group [3] Strategic Significance - The partnership reaffirms the long-standing collaboration between Crédit Agricole Personal Finance & Mobility and GAC Group, focusing on the dynamic electric vehicle market in China [4] - GAC Group was the 4th largest automotive group in China in 2023, selling over 2 5 million vehicles globally, with 39 90% of sales being electrified vehicles [4] Company Background - Crédit Agricole Personal Finance & Mobility is a leader in personal financing and mobility solutions in Europe, offering a wide range of financing and mobility services across 22 countries [5][6] - The company manages €113 billion in outstanding credit as of December 31, 2023, and aims to lead in electric mobility in Europe [6]

Core Viewpoint - Crédit Agricole S.A. has announced a share repurchase program for up to 15,128,677 ordinary shares, aimed at offsetting the dilutive effect of a capital increase reserved for employees [1][2]. Group 1: Share Repurchase Program Details - The share repurchase program will commence on October 1, 2024, and conclude no later than November 29, 2024 [1]. - Shares acquired under this program will be cancelled [1]. - An independent investment services provider has been instructed to execute the share purchases during the specified period [2]. Group 2: Regulatory Compliance - The share purchases will be conducted on the regulated market of Euronext Paris and will adhere to the relevant regulatory technical standards [3]. - The existing liquidity agreement with Kepler Cheuvreux will be temporarily suspended during the execution of the share repurchase program [4]. Group 3: Documentation and Transparency - Details of the share repurchase program are available in the Universal Registration Document filed with the Autorité des marchés financiers [5].

Montrouge, August 29th, 2024 2024 CAPITAL INCREASE RESERVED FOR EMPLOYEES Crédit Agricole S.A.'s capital increase reserved for the 180,000 Crédit Agricole Group employees and retired former employees1, the subscription period of which ran from 27 June to 10 July 2024, was completed on 29 August 2024. 23,918 people, in France and around the world, subscribed, for a total amount of €169.0 million. The investment scheme proposed a subscription with a 20% discount on the share price, calculated according to the ...

Montrouge, August 8th, 2024 Availability of the 2024 interim financial report Crédit Agricole S.A. informs the public that the Amendment A03 to the 2023 Universal Registration Document has been filed with the French Financial Markets Authority (AMF) on August 8th, 2024, under number D.24- 0156-A03. This document is made available to the public, in accordance with the conditions provided for by the regulations and may be consulted in the "URD and Amendments" section of the Company's website: https://www.cred ...

Financial Data and Key Metrics Changes - For the first half of 2024, the company reported a net profit of €3.7 billion, which is an increase of 14% compared to the previous year, while the quarterly net profit for Q2 2024 was €1.8 billion, down 10% year-over-year [2][4] - The cost-income ratio was reported at 53.4% for the first half and 53.2% for the quarter, indicating efficient cost management [3] - The return on tangible equity was above 15%, specifically at 15.5%, significantly exceeding the medium-term target of 12% [3] - The CET1 ratio stood at 11.6%, down 20 basis points from the end of Q1 2024, but still above the target of 11% [3][16] Business Line Data and Key Metrics Changes - Retail banking activities showed good customer acquisition and an increase in customer deposits in France and Italy, with a slight stabilization in home loan activity [5][6] - Consumer finance loans, particularly for car financing, remained strong with new loan production around €12 billion for the quarter [6] - Insurance activities experienced significant growth in life insurance inflows and steady growth in premium income for property and casualty insurance [6][36] - Asset management activities reached record levels in terms of inflows and assets under management [7] Market Data and Key Metrics Changes - The company noted a slight increase in production of new corporate loans in France, while retail banking abroad saw significant growth in new loans [5][6] - Customer deposits in retail banking in France showed signs of stabilization, with a slight rebound in site deposits after a period of decline [18][30] Company Strategy and Development Direction - The company aims to exceed its initial net profit forecast of €6 billion for 2025, now targeting it for 2024 [2] - Management emphasized the importance of maintaining competition in the banking sector, especially in light of potential new levies in Italy [20] - The company is open to further consolidation opportunities in specialized business lines, while remaining cautious about large cross-border retail bank consolidations [21] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving the net profit target for 2024, despite normal seasonal fluctuations expected in Q3 and Q4 [60] - The impact of recent ECB rate cuts was noted as modest, with potential implications for home loan pricing and competition among banks [58][59] - The company remains vigilant regarding the economic environment and consumer behavior, particularly in relation to political uncertainties in France [41] Other Important Information - The company reported a stable cost of risk, with non-performing loans (NPL) remaining at 2.2% and a high coverage ratio [13][14] - The liquidity situation remains strong, with liquidity reserves close to €480 billion and customer deposits continuing to grow [17] Q&A Session Summary Question: Comments on potential new solidarity levy for Italian banks - Management stated that while new levies could impact all banks, it is not seen as a game changer and competition must be maintained [20] Question: Consolidation plans in Europe - Management indicated that consolidation opportunities would focus on specialized business lines rather than large commercial banks due to existing headwinds [21] Question: Update on Degroof Petercam integration - Management confirmed that integration costs are modest at €5 million, with an expected contribution to net profit of €150 million to €200 million by 2028 [22] Question: Impact of regulatory changes on capital - Management discussed the neutral impact of Basel IV and the phasing out of IFRS 9, with some expected negative impacts in Q4 2024 [27][28] Question: Outlook for French retail banking - Management noted a positive outlook for net interest income, driven by stabilization in customer deposits and a reduction in the cost of regulated savings accounts [30][31] Question: Strength in the insurance business - Management highlighted strong commercial momentum in insurance, particularly in life insurance, despite complexities from IFRS 17 [36] Question: Performance in consumer finance - Management attributed strong performance in consumer finance to investments in mobility financing and improved margins due to reduced refinancing costs [51]

RESULTS OF THE SECOND QUARTER AND FIRST HALF 2024 WORKING EVERY DAY IN THE INTEREST OF OUR CUSTOMERS AND SOCIETY Disclaimer The financial information on Crédit Agricole S.A. and Crédit Agricole Group for the second quarter and first half of 2024 comprises this presentation and the attached appendices and press release which are available on the website: https://www.credit-agricole.com/en/finance/financial-publications This presentation may include prospective information on the Group, supplied as informatio ...

Core Points - Crédit Agricole S.A. announced the redemption of USD 1,250,000,000 Undated Deeply Subordinated Additional Tier 1 Fixed Rate Resettable Notes issued on February 27, 2019, effective September 23, 2024 [1][2] - The redemption will include the outstanding nominal amount and any accrued interest, referred to as the Redemption Amount [1] - Holders of the Notes will receive formal notice of the redemption in accordance with the Terms and Conditions [2] Summary by Sections - **Redemption Announcement** - The Issuer, Crédit Agricole S.A., will redeem all outstanding Notes amounting to USD 1,250,000,000 on September 23, 2024 [1] - The redemption is pursuant to Condition 7.2 of the Terms and Conditions outlined in the prospectus dated February 21, 2019 [1] - **Interest Accrual** - 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] - **Communication and Legal Restrictions** - The press release does not constitute an offer to buy or sell the Notes in certain jurisdictions, including the United States, Canada, Australia, or Japan [3][4][6] - No prospectus will be published in connection with the redemption for the purposes of the Prospectus Regulation [5]