Crédit Mutuel Group - 2018 Activity Report THE MULTI-FACETED BANK Moving to the multiservice beat _ A MULTI-FACETED BANK BUILT FOR AND WITH ITS CUSTOMERS In the face of increased competition and reduced margins in a very low interest rate environment, VERSATILITY TO CREATE diversifi cation is an essential ingredient of growth. VALUE From music But that is not enough... a bank also needs to be able to offer products and To maintain the territorial coverage of its localbank network, Crédit Mutuel has focused on both to image... services that complement its basic offer and meet theversatility and local presence. The diversifi cation expectations of an ever more targeted customer base.of our offering based on needs and the numerous Music is part of everyone’s life As a bankinsurer for the past 50 years and with a rangerelays offered by our main subsidiaries (CIC, CM-CIC and mutual values can of recognized products and services, Crédit Mutuel hasImmobilier, EPS, Fortuneo, ACM, Suravenir, Targobank, be found in music. a strong capital of trust that gives legitimacy to itsCofi dis, Financo, etc.) enable us to maintain service By giving Crédit Mutuel multiservices approach. An approach built around at the most local level. a more dynamic image, customers’ needs (housing, travel, protection, This combination, together with digital tools, creates it allows us to speak to all entrepreneurship, etc.) and expectations as the sole aimadded value for our businesses, ensures lasting generations and infl uences employment and meets the expectations of all our and create closer ties and social of “a bank owned by its customers” is to satisfy thosemembers and customers, wherever they are in cohesion. customers and make life easier for them. France, while making our brand live up to its name. DIVERSIFICATION: 5 KEY DATES 1970 1986 1992 2008 2018/19 INSURANCE REMOTE SURVEILLANCE REAL ESTATE TELEPHONE SERVICES ULTRA BROADBAND ACCESS/ELECTRIC BICYCLES EXISTING REAL ESTATE 62 63