WORKING EVERY DAY IN THE INTEREST OF OUR CUSTOMERS AND SOCIETY RESULTS FOR THE 3RD QUARTER AND THE FIRST 9 MONTHS OF 2021 Disclaimer The financial information on Crédit Agricole S.A. and Crédit Agricole Group for third quarter 2021 and first nine months 2021 comprises this presentation and the attached appendices and press release which are available on the website: https://www.creditagricole.com/en/finance/finance/financial-publications. This presentation may include prospective information on the Group, s ...

Financial Data and Key Metrics Changes - The net profit for Crédit Agricole Group in Q3 2021 was approximately €2.2 billion, representing a 25% increase on a stated basis and a 15.6% increase on an underlying basis. For the first nine months, the net profit was €6.7 billion on a stated basis and €6.2 billion on an underlying basis [4][6]. - Crédit Agricole SA reported a net profit of €1.4 billion for the quarter, a 43% increase on a stated basis and a 27% increase on an underlying basis. For the first nine months, the net profit was €4.4 billion on a stated basis and nearly €4 billion on an underlying basis, marking an increase of close to 38% [6][4]. Business Line Data and Key Metrics Changes - The asset gathering and insurance business division saw a strong increase in its contribution to the net profit of the group, up 24% for the quarter [24]. - The insurance activities experienced strong inflows in savings and retirement, with a notable increase in unit-linked products [25]. - Amundi's asset management activities reported a significant quarter with a 44% increase in contribution to the net profit of the group [28]. Market Data and Key Metrics Changes - The top line increased by 7.6% in Q3 and 9.1% for the first nine months of the year, with a strong evolution compared to the same period in 2019 [11]. - The cost of risk decreased sharply compared to Q3 2020 and remained stable compared to Q2 2021, indicating strong asset quality [17][16]. Company Strategy and Development Direction - The company confirmed its commitment to shareholder remuneration with a second share buyback operation of €500 million and plans to repay the remaining €0.40 of dividend per share owed to shareholders [7][8]. - The company is focused on accompanying the transition to a decarbonized world, with a dedicated press conference planned for December 1 [9]. Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the robust commercial activity and customer acquisition, leading to strong revenue growth and profitability [7]. - The management noted that the cost of risk is expected to remain low, but future macroeconomic conditions could impact this [104][106]. Other Important Information - The company is preparing for the transition to IFRS 17, with a focus on ensuring a smooth transition and maintaining profitability [58][59]. - The integration of CreVal is expected to contribute positively to the top line and net profit, with no one-off impacts reported this quarter [36][37]. Q&A Session All Questions and Answers Question: Medium-term targets and IFRS 17 guidance - Management confirmed that new targets for the end of 2022 will be provided, with a focus on not updating targets too frequently to maintain clarity [55]. - Regarding IFRS 17, management indicated that it mainly reallocates the timing of profit recognition without changing the economic performance of the business [57]. Question: Insurance top line volatility and capital updates - Management explained that the insurance profits were supported by a significant capital gain taxed at a low rate, affecting the top line recognition [64]. - On capital, management noted that Basel IV impacts would be more significant at the group level than at Crédit Agricole SA, with further updates expected in the medium-term plan [73][75]. Question: Cost/income ratio and French retail outlook - Management stated that the current target is to maintain a cost/income ratio below 60%, with no immediate plans to set a lower target [79]. - The outlook for French retail is cautiously optimistic, with management emphasizing its importance as the core of the group's operations [84]. Question: Cost of risk and large customers' revenue growth - Management indicated that the revenue growth in large customer financing activities is broad-based and linked to a positive macroeconomic outlook [100]. - Regarding the cost of risk, management remains prudent and has not yet adjusted provisions despite favorable conditions, indicating preparedness for potential downturns [102][106].

| --- | --- | |-------|--------------------------------------------------------| | | WORKING EVERY DAY | | | IN THE INTEREST OF OUR CUSTOMERS AND SOCIETY | | | RESULTS FOR THE SECOND QUARTER AND FIRST HALF 2021 | Disclaimer The financial information on Crédit Agricole S.A. and Crédit Agricole Group for second quarter 2021 and first semester 2021 comprises this presentation and the attached appendices and press release which are available on the website: https://www.creditagricole.com/en/finance/finance/fina ...

Crédit Agricole S.A. (OTCPK:CRARF) Q2 2021 Earnings Conference Call August 5, 2021 8:00 AM ET Company Participants Jerome Grivet – Deputy General Manager, Chief Financial Officer Conference Call Participants | --- | --- | |---------------------------------------------------------------|------------------------------------------| | | | | Jean Neuez – Goldman Sachs Azzurra Guelfi – Citi | Jacques-Henri Gaulard – Kepler Cheuvreux | | Giulia Miotto – Morgan Stanley | | | Omar Fall – Barclays | | | Delphine Lee ...

Credit Agricole SA (OTCPK:CRARF) Q1 2021 Earnings Conference Call May 7, 2021 8:30 AM ET Company Participants Jerome Grivet - Deputy GM and CFO Conference Call Participants Jacques-Henri Gaulard - Kepler Cheuvreux Delphine Lee - JPMorgan Chase & Co. Jean Neuez - Goldman Sachs Group Giulia Aurora Miotto - Morgan Stanley Guillaume Tiberghien - Exane BNP Paribas Omar Fall - Barclays Bank Tarik El Mejjad - Bank of America Merrill Lynch Pierre Chedeville - CIC Kirishanthan Vijayarajah - HSBC Matthew Clark - Medi ...

STRONG ACTIVITY, SOLID RESULTS RESULTS FIRST QUARTER 2021 RESULTS Disclaimer NOTE The Crédit Agricole Group scope of consolidation comprises: the Regional Banks, the Local Banks, Crédit Agricole S.A. and their subsidiaries. This is the scope of consolidation that has been selected by the competent authorities to assess the Group's position, notably in the 2016 and 2018 stress test exercises. Crédit Agricole S.A. is the listed entity, which notably owns the subsidiaries of its business lines (Asset gathering ...

Credit Agricole SA (OTCPK:CRARF) Q4 2020 Earnings Conference Call February 11, 2021 8:00 AM ET Company Participants Philippe Brassac - Chief Executive Officer Jerome Grivet - Deputy General Manager, Chief Financial Officer Conference Call Participants Giulia Miotto - Morgan Stanley Jacques-Henri Gaulard - Kepler Cheuvreux Jean Neuez - Goldman Sachs Group Omar Fall - Barclays Bank Guillaume Tiberghien - Exane BNP Paribas Tarik El Mejjad - Bank of America Merrill Lynch Azzurra Guelfi - Citigroup Pierre Chedev ...

Credit Agricole SA (OTCPK:CRARF) Q2 2020 Earnings Conference Call August 6, 2020 8:00 AM ET Company Participants Jerome Grivet - Deputy GM & CFO Conference Call Participants Karl Peace - Crédit Suisse Jacques-Henri Gaulard - Kepler Cheuvreux Giulia Miotto - Morgan Stanley Jean Neuez - Goldman Sachs Group Tarik El Mejjad - Bank of America Merrill Lynch Delphine Lee - JPMorgan Chase & Co. Guillaume Tiberghien - Exane BNP Paribas Pierre Chedeville - CIC Lorraine Quoirez - UBS Investment Bank Azzurra Guelfi - C ...

| --- | --- | |----------------------------------------------------------------|-------| | | | | WORKING EVERY DAY IN THE INTEREST OF OUR CUSTOMERS AND SOCIETY | | | FIRST QUARTER 2020 RESULTS | | 1 FIRST QUARTER 2020 RESULTS DISCLAIMER The financial information on Crédit Agricole S.A. and Crédit Agricole Group for first quarter 2020 comprises this presentation and the attached appendices and press release which are available on the website: https://www.credit-agricole.com/en/finance/finance/financial-publi ...

RÉSULTATS AGIR CHAQUE JOUR DANS L'INTÉRÊT WORKING EVERY DAY IN THE INTEREST DE NOS CLIENTS ET DE LA SOCIÉTÉ OF OUR CUSTOMERS AND SOCIETY DU 4 ème TRIMESTRE ET DE L'ANNÉE 2019 RESULTS FOR THE 4th QUARTER AND FULL YEAR 2019 CA crédit agricole s.a. DISCLAIMER Financial information on Crédit Agricole S.A. and Crédit Agricole Group for the fourth quarter and full year period 2019 comprises this presentation and the attached press release and quarterly financial report which are available on the website https://w ...