Crédit Mutuel Group - 2018 Activity Report WHO WE ARE MAIN SUBSIDIARIES WITHOUT BORDERS, OUR VALUES ARE ALSO AND PARTNERSHIPS EXPRESSED AT THE INTERNATIONAL LEVEL Insurance Banking Technology Real estate Consumer Specialized International As well as being a LOCAL bank present throughout France,the group affi rms its identity and values and pursues responsible & Finance credit businesses Crédit Mutuel deploys its expertise and values at the and sustainable expansion, always closely in tune with the international level. Both in Europe and worldwide, real economy and local issues. A VIRTUOUS AND EFFECTIVE MODEL A DECENTRALIZED organization that delegates decision Choosing this resolutely COOPERATIVE model making powers to the local level, closest to the interests ofenhances effi ciency, autonomy and responsibility our customers and members. in decision making. i 1 e Business LOCAL BANKS SUBSIDIARIES 2 NETWORK Coordination REGIONAL FEDERATIONS 3 Crédit Mutuel sets the tone Supervision and Because music brings people together and unites audiences, because it expresses our pleasure representation GROUP at being together, Crédit Mutuel has quite naturally been a sponsor of music for more than 15 years. NATIONAL Through music, we share far more than just banking services with our customers: CONFEDERATION we also share emotion, projects, successes and all our enthusiasm. GROUP 10 11 - a n Cc e o - n I s n s u u r m a en c r e C- T r e e c d h i n t ol- oIgn yt -e Sr pn eca itali izoendablusinessesReaBla Enksi tn agt/Fn