Credit Agricole

Aug 10, 2022

08/10/2022 | 11:51am EDT Message : OUR CUSTOMERS AND SOCIETY Content 3 49 78 121 141 171 184 264 267 267 287 290 309 1/321 The English version of this present Amendment A03 to the Universal Registration Document was filed on 10th August 2022 with the AMF, as competent authority under Regulation (EU) 2017/1129, without prior approval pursuant to Article 9 of the said regulation. The Universal Registration Document may be used for the purposes of an offer to the public of securities or admission of securities to trading on a regulated market if completed by a securities note and, if applicable, a summary and any amendments to the Universal Registration Document. The whole is approved by the AMF in accordance with Regulation (EU) 2017/1129. Crédit Agricole S.A. - Amendment A03 of 2021 URD 2/321 CAG AND CRÉDIT AGRICOLE S.A. STATED AND UNDERLYING RESULTS Q2-2022 Results: +18.1%; robust activity and stronger capital position CRÉDIT AGRICOLE S.A. 1 million new customers in France, Italy and Poland in H1 Dynamic production in home loans (+2.1% Q2/Q2), consumer finance (+9.0%), factoring (+16.4%) and retail corporate lending (+19.8%); strong momentum in property and casualty insurance (+10.2% revenues Q2/Q2) and personal protection (+7.8%) Very robust activity in large customers (financing activities +12.8% Q2/Q2, capital markets and investment banking +28.5% excluding foreign exchange impact) Crédit Agricole S.A. STATED INCOME Q2-22: €2.0bn Crédit Agricole S.A. UNDERLYING INCOME Q2-22:€1.9bn (+18.1% Q2/Q2) Steady increase in revenues since 2017 +6.2% Q2/Q2 Positive jaws effect: costs1 +5.2% Q2/Q2, +1.8% excluding CreVal/Lyxor scope and FX impact Gross operating income: +7.4% Q2/Q2, i.e. +€192m Cost/income ratio (excl. SRF): 56.8% H1-22(-1.0 pp vs. end-2021); PROFITABILITY Strong capital position at Group level CRÉDIT AGRICOLE S.A.