PRELUDE ON AIR BEST OF 2018 MAJOR • A group full• J oint • Key figures CHORD of energy interview • Highlights • The art of and talent synchronization to move forward 4 8 10 14 _ Being the bank of the future means being able to hear the beat of a changing world and listen to the tune of people’s aspirations. Crédit Mutuel proves its creativity each day by bringing together new talent, staying in tune with the transformations under way, constantly reinventing its services mix and providing support for the most inspired projects. So as to make the future both fascinating and harmonious. 16 30 36 COMPOSITION BEAT IN CONCERT • Commitment, ringing• A multi-faceted bank• 18 regional federations out our values each daybuilt for and with itsat the heart of the •I nnovation, knowing customers decision-making process how to bring together• A mix of services that• 6 federal banks for the best talent meets the full range ofoptimum management • Success, fostering customers’ needs other people’s successes• The new challenges that are shaping our transformation 03