Key points of the Crédit Mutuel Group _ Moving to the multiservice beat _ A MULTI-FACETED BANK BUILT FOR AND WITH ITS CUSTOMERS Against a background of increased competition and reduced margins in a very low From music interest rate environment, diversification is an essential ingredient of growth. But that is not enough... a bank also needs tobe able to offer products and services to image that complement its basic offer and meet the expectations of an ever more targeted customer base. As a bankinsurer for the past 50 years and with a range Music is part of of recognized and gold standard products and services, Crédit Mutuel has a strong everyone’s life capital of trust that gives legitimacy to its multiservices approach. An approach built and mutual values can around customers’ needs (housing, travel, protection, entrepreneurship, etc.) and be found in music. expectations as the sole aim of “a bank owned by its customers” is to satisfy those By giving Crédit Mutuel customers and make life easier for them. a more dynamic image, it allows it to speak to all generations and influences and to create closer ties VERSATILITY TO CREATE VALUE and social cohesion. To maintain the territorial coverage of its local bank network,FINANCING AND INSURANCE Crédit Mutuel has focused on both versatility and local The group was able to take advantage of the presence. The diversification of our offering based on needs complementarity of these two businesses when, almost and the numerous relays offered by our main subsidiaries 50 years ago, it invented the concept of bankinsurance. (CIC, CM-CIC Immobilier, EPS, Fortuneo, ACM, Suravenir, Serving some 15 million policyholders, Groupe des Targobank, Cofidis, Financo, etc.) enable us to maintain serviceAssurances du Crédit Mutuel (GACM), Suravenir and DIVERSIFICATION: 5 KEY DATES at the most local level. This combination, together with digitalSuravenir Assurances account for 30% of the group’s net tools, creates added value for our businesses, ensures lasting income. 2018/19 employment and meets the expectations of all our membeand customers, wherever they are in France, while makingrs 1970 1986 1992 2008 our brand live up to its name. INSURANCE INSURANCE REMOTE HOME REAL ESTATE TELEPHONE ULTRA BROADBAND ACCESS THE GROUP’S SURVEILLANCE SERVICES ELECTRIC BICYCLES No 1 2NDCORE TRADITIONAL REAL ESTATE BUSINESS MERGER OF NEA AND GACM: A WIN-WIN TIE-UP In 2018, the ACM and Crédit Mutuel Nord Europe (NEA) groups merged their insurance businesses, thereby simplifying the industrial ties between the two entities REMOTE HOME NEW REAL-ESTATE while consolidating the position of the group’s insurance SURVEILLANCE IN FRANCE SALES entities in France and Europe. The new group will have more than €11 billion in premiums, more than 11 million policyholders and more than €130 billion in total assets. 30 31