Key points of the Crédit Mutuel Group _ THE FEDERAL BANKS As the financial conduits for the regional federations, the federal banks pool their financial resources and are responsible in particular for: • organizing technical and financial operations in the regions, • managing resources (cash management, provision of financial, technical services), _ and IT • granting loans to local administrations. To achieve synergies and streamline resources and costs, some of the federations have joined forces to form inter-regional federal banks under technical, IT and At Crédit Mutuel, financial partnerships. There were six such inter-regional federal banks at January 1, elected directors, 2019. Caisse Interfédérale du Crédit Mutuel Arkéa, owned by the local banks of the Brittany, South-West and Massif Central federations. Caisse Fédérale de Crédit employees, customers Mutuel (CFCM), which comprises 11 federations (Anjou, Centre, Centre Est Europe, and members work Dauphiné-Vivarais, Ile-de-France, Loire-Atlantique et du Centre-Ouest, Méditerranéen, Midi-Atlantique, Normandie, Savoie-Mont blanc et Sud-Est). in concert to forge the bank of tomorrow. Caisse fédérale du Crédit Mutuel Caisse fédérale du Crédit Mutuel WEST INDIES-FRENCH GUIANA Maine-Anjou, Basse-Normandie 155,000 customers – 31 points of sale 669,000 customers – 169 points of sale Loans: €1,659 million Loans: €10,584 million Savings: €1,785 million Savings: €14,212 million Net banking income: €83 million Net banking income: €301 million Net income: €20 million Net income: €79 million Shareholders’ equity: €393 million Shareholders’ equity attributable to owners of the company: €2,690 million Caisse interfédérale du Crédit Mutuel Arkéa Caisse fédérale du Crédit Mutuel (Bretagne, Sud-Ouest and Massif Central) Nord Europe 4.5 million customers – 489 points of sale 1.6 million customers – 367 points of sale Loans: €55,575 million Loans: €16,580 million Savings: €111,155 million Savings: €83,310 million Net banking income: €2,146 million Net banking income: €785 million Net income: €438 million Net income: €152 million Shareholders’ equity attributable to owners Shareholders’ equity attributable to owners of the company: €6,708 million of the company: €2,994 million Caisse fédérale de Crédit Mutuel Caisse fédérale du Crédit Mutuel Enjoying (Anjou, Centre, Centre Est Europe, Océan music together Dauphiné-Vivarais, Île-de-France, 619,000 customers – 180 points of sale Loire-Atlantique et Centre Ouest, Loans: €12,296 million Méditerranéen, Midi-Atlantique, Normandie, Discover Crédit Mutuel’s playlist Savoie-Mont Blanc et Sud-Est) Savings: €14,855 million A selection born of its partnerships Net banking income: €258 million with France Inter. 24.9 million customers – 4,455 points of sale Net income: €44 million Loans: €370,886 million Shareholders’ equity attributable to owners Savings: €584,488 million of the company: €1,550 million Net banking income: €14,070 million Net income: €2,993 million Shareholders’ equity attributable to owners of the company: €43,595 million Note: regional data according to IFRS for consolidating groups (local banks, federal banks and subsidiaries) and according to French GAAP for other entities. 38 39