Core Points - Crédit Agricole S.A. is launching its annual capital increase reserved for employees globally [1] - The capital increase will allow 190,000 eligible employees and retired former employees to subscribe to new shares at a discounted price [2] - The subscription price will be set at the arithmetic mean of opening share prices from May 26 to June 20, 2025, with a 20% discount [2] - The subscription period is from June 24 to July 8, 2025 [2] - New shares will be issued on August 28, 2025, and will be eligible for dividends for the 2025 financial year [3] - A maximum of 32 million shares will be issued, with a par value of €96 million [3] - Following the capital increase, a share buyback operation will be conducted to mitigate dilution, pending ECB approval [3] - This initiative is part of the Group's employee profit-sharing policy related to financial performance [3]

Core Viewpoint - Crédit Agricole S.A. is launching its annual capital increase reserved for employees, allowing eligible employees and retired former employees to subscribe to new shares at a discounted price [1][2]. Group 1: Capital Increase Details - The capital increase is reserved for 190,000 eligible employees and retired former employees of the Crédit Agricole Group [2]. - The subscription price for the new shares will be set at the arithmetic mean of the opening share prices from May 26 to June 20, 2025, with a 20% discount applied [2]. - The subscription period is scheduled to start on June 24, 2025, and end on July 8, 2025 [2]. Group 2: Share Issuance and Financial Impact - New shares will be issued on August 28, 2025, and will qualify for dividends related to the 2025 financial year [3]. - A maximum of 32 million shares may be issued, with a total par value of €96 million [3]. - Following the capital increase, a share buyback operation will be conducted to mitigate the dilutive effect, pending approval from the European Central Bank (ECB) [3]. Group 3: Employee Profit-Sharing Policy - This capital increase is part of Crédit Agricole Group's policy on employee profit-sharing linked to financial performance [3].

Core Viewpoint - The Crelan Group and Crédit Agricole have signed a long-term partnership agreement, allowing Crédit Agricole to acquire a 9.9% minority stake in Crelan, which will enhance Crelan's service offerings and commercial development in Belgium [2][9]. Group 1: Partnership Details - The partnership includes commercial collaborations in asset management, private banking, wealth management, and leasing [2]. - Crelan and Crédit Agricole plan to establish additional joint commercial initiatives in the near future [2]. Group 2: Strategic Vision - Both Crelan and Crédit Agricole share a vision of cooperative banking, aiming to strengthen their services and provide high-quality banking solutions [3]. - The partnership is expected to benefit customers, cooperators, and society as a whole [3]. Group 3: Financial Implications - The partnership is projected to positively impact Crelan's consolidated 2025 transitional CET1 capital ratio by approximately 2% and have a non-material impact on Crédit Agricole's CET1 ratio [7]. - The conclusion of commercial agreements is anticipated to enhance the revenues of both groups [7]. Group 4: Crelan's Position - Crelan is a cooperative bank in Belgium, maintaining its cooperative model and values while ensuring that all deposits remain invested in Belgium [6]. - The bank has a significant presence with 4327 employees, 727 branches, and €55.8 billion in total assets as of December 31, 2024 [8]. Group 5: Crédit Agricole Overview - Crédit Agricole is a leading financial provider in France and a major player in European banking, recognized for its retail banking and asset management services [10][11]. - The group serves 54 million customers and emphasizes a customer-focused banking model [12].

金十数据5月16日讯，法国农业信贷银行经济学家Takuji Aida表示，由于日本经济在2025年第一季度出 现萎缩，日本央行可能要到明年1月才能提高利率。日本央行需要确认7月至9月期间经济没有恶化，并 在明年1月份更新预测，然后才能恢复加息。预计二季度日本实际GDP折合成年率将收缩0.4%，使日本 陷入技术性衰退。日本央行似乎不能再继续今年加息的错误，加息已使企业融资变得困难，并给内需带 来下行压力。 法国农业信贷银行：日本央行可能要到明年1月才会加息 ...

Core Points - Crédit Agricole Leasing & Factoring (CAL&F) has completed the acquisition of 100% of Merca Leasing, enhancing its position in the German leasing market [2][3] - The acquisition aligns with CAL&F's development strategy and aims to accelerate growth in the dynamic German leasing sector [2][5] - Merca Leasing, founded in 1989, is one of the top ten independent leasing companies in Germany, specializing in tailored leasing solutions for SMEs [4][10] Company Overview - CAL&F is a subsidiary of the Crédit Agricole group and has been a significant player in leasing and factoring for over 60 years [8] - The company operates in 10 European countries, providing specialized financing and responsible mobility solutions to a diverse customer base [9] - Key figures for CAL&F at the end of 2024 include 260,400 customers, 2,769 employees, and €34 billion in outstandings [10] Merca Leasing Overview - Merca Leasing focuses on financing business-critical movable equipment, particularly production machinery [11] - The company reported new sales of €309 million and actual outstandings of €472 million at the end of 2024 [12]

Group 1 - The General Meeting of Shareholders of Crédit Agricole S.A. took place on May 14, 2025, with over 1,700 attendees and a quorum of 80.37% [2] - All resolutions proposed by the Board of Directors were approved, with the exception of resolution A, which was rejected by more than 95% [2][3] - A dividend payout of €1.10 per share was confirmed following the approval of the financial statements for the year ended December 31, 2024 [3] Group 2 - Olivier Desportes was appointed as a Director to replace Louis Tercinier, who reached the statutory age limit [3] - The General Meeting ratified the co-optation of Gaëlle Regnard as Director and renewed the terms of several existing directors [4] - Dominique Lefebvre was re-appointed as Chairman, and Jérôme Grivet was appointed as the sole Deputy Chief Executive Officer [5]

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]

Core Viewpoint - Crédit Agricole S.A. has announced the redemption of its outstanding ¥5,800,000,000 Japanese Yen Callable Subordinated Bonds, which were issued on June 4, 2020, effective June 4, 2025, at 100% of the principal amount plus accrued interest [1][2]. Group 1 - The redemption will take place on June 4, 2025, and the holders of the bonds will receive the redemption amount, which includes the principal and interest accrued up to the redemption date [2][3]. - On the redemption date, the bonds will cease to bear interest unless the redemption amount is improperly withheld or refused [3]. - Holders of the bonds will receive formal notice regarding the redemption in accordance with the bond conditions [3].

Core Viewpoint - Crédit Agricole S.A. has announced the redemption of its outstanding ¥105,500,000,000 Japanese Yen Callable Senior Non-Preferred Bonds, which were issued on June 4, 2020, effective June 4, 2025 [1][2]. Group 1 - The redemption will occur at a price equal to 100% of the principal amount, along with interest accrued up to the redemption date [2][3]. - On the redemption date, the redemption amount will become due and payable, and the bonds will cease to bear interest unless the redemption amount is improperly withheld or refused [3]. Group 2 - Holders of the bonds will receive formal notice of the redemption in accordance with the conditions of the bonds [3].

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 ...