Key points of the Crédit Mutuel Group _ FINANCIAL FUNDAMENTALS SOLIDITY ON A PAR AND DYNAMIC WITH THE TOP BUSINESS FRENCH MOMENTUM BANKS €17.526BILLION 17.5% OF NET BANKING INCOME COMMON EQUITY TIER 1 RATIO + 17.2% 6,4% TOTAL NET INCOME GROWTH A virtuoso performance RATIO € 3.504BILLION DE LEVIER _ OF NET INCOME ATTRIBUTABLE 132.6% TO OWNERS OF THE COMPANY LIQUIDITY €54.167BILLION COVERAGE RATIO OF SHAREHOLDERS’ EQUITY ATTRIBUTABLE TO OWNERS KEY FIGURES OF THE COMPANY 900,000 NEW CUSTOMERS A MAJOR PLAYER SERVING REGIONAL EFFICIENT INSURANCE AN ISSUER THAT Music IN FRENCH RETAIL DEVELOPMENT AND PRODUCTS AND INSPIRES CONFIDENCE BANKINSURANCE THE LOCAL ECONOMY SERVICES ACCORDING TO and the bank 15 STANDARD & POOR’S of the future 17.1% €787.7BILLION + THAN A FINANCIAL STRUCTURE LT RATING MILLION POLICYHOLDERS THAT MEETS THE MARKET SHARE IN SAVINGS HIGHEST EUROPEAN Our support of music marks our IN BANK LOANS 33 STANDARDS A determination to make a concrete 396.7 + THAN contribution to our regions and to 15.5% € BILLION MILLION POLICIES (SENIOR DEBT) support young talent. IN DEPOSITS STABLE OUTLOOK Concerts, events, tours, festivals MARKET SHARE INSURANCE and awards are all opportunities ACCOUNTS FOR COST-TO-INCOME to feel the rhythm together and IN DEPOSITS 467.4 RATIO € BILLION 30% 64.7% A+ share our mutual values. IN LOANS OF NET INCOME ATTRIBUTABLE TO OWNERS ONE OF THE BEST OF THE COMPANY IN THE SECTOR (COUNTERPARTY) 10 11