Key points of the Crédit Mutuel Group _ MAIN SUBSIDIARIES WITHOUT BORDERS, OUR VALUES ARE ALSO AND PARTNERSHIPS EXPRESSED AT INTERNATIONAL LEVEL Bankinsurance Finance Technology Real estate Consumer Specialized International As well as being a LOCAL bank present throughout France, and values and pursues responsible and sustainable expansion, credit businesses Crédit Mutuel deploys its expertise and values at the international always closely in tune with the real economy and local issues. level. Both in Europe and worldwide, the group affi rms its identity A VIRTUOUS AND EFFECTIVE MODEL A DECENTRALIZEDorganization that delegates This choice of a resolutely COOPERATIVE model enhances decision-making powers to local level, closest to the effi ciency, autonomy and responsibility in decision making. interests of our customers and members. /F 1 st Business LOCAL MUTUAL BANKS FILIALES 2 NETWORK Coordination REGIONAL FEDERATIONS Crédit Mutuel sets the tone 3 Because music brings people together and unites audiences, Supervision because it expresses our pleasure at being together, Crédit Mutuel has quite naturally been and representation a sponsor of music for more than 15 years. Through music we share far more NATIONAL GROUP than just banking services with our customers; we also share emotion, projects, successes and all our enthusiasm. CONFEDERATION GROUPE 06 07 i a n t a en c -e - C I on s n u sr a u n c m e e - T r e c c rh e n o d l i o t g - y I- n S t p ee c r i a n l i a z e t id o b n u s a i ln e s s e s R B e a n a kl i n e g