Crédit Mutuel Group - 2018 Activity Report FOCUS EXPERTISES FARMING 528,000 No. 2 bank CUSTOMER ASSOCIATIONS THE FREE SOLUTION FOR CLUBS AND ASSOCIATIONS FOR THE FARMING SECTOR TO RECEIVE PAYMENTS ASSOCIATIONS OVER THE INTERNET 16% THE NATURAL WAY TO STRENGTHEN OF THE MEDIUM AND SOCIAL COHESION LONG-TERM LOAN MARKET The group serves the needs of a sector that plays a key role in reinforcing social cohesion and creating new forms of solidarity. 700 As a partner to nearly 528,000 associations and non-profi ts, DEDICATED ADVISORS the group managed €19.8 billion in savings and €2.6 billion in outstanding loans in 2018 (both fi gures excluding CM Arkéa). A BANK THAT SHOWS ITS COMMITMENT 130,000 Crédit Mutuel supports numerous networks that serve children,World Volunteer Day, which was organized on CUSTOMERS young people, the elderly, families, work integration, and social, December5, 2018 by France Bénévolat, was marked cultural and sporting activities, under multi-year agreements.by the launch of the national volunteering survey, It is notably partner to the French Federation of Physical Educationwhich is funded by the Confédération Nationale du and Volunteer Gymnastics (FFEPGV), the National Youth Crédit Mutuel. The occasion formed part of “non- Housing Union (UNHAJ), UNIOPSS and ADMR. profi t life” project for 2018 and the consultation Farming information revisited with the government, the roadmap for which was for ever-improving customer service presented at the end of November by Gabriel Attal, Minister of State. The report submitted to the Prime Minister in June 2018 plays an important part in the engaged LOCAL KNOWLEDGE AND RESPONSIBILITY, ASSOCI@THÈQUE society. SHARED VALUES CRÉDIT MUTUEL’S GETS A NEW LOOK With the Crédit Mutuel Agricole et Rural federation (CMAR), a specialist10 COMMITMENTS TO HELP nationwide organization run by directors who are practicing farmers, YOUNG FARMERS SET UP Crédit Mutuel is particularly attentive to developments in the IN BUSINESS agricultural sector and in touch with all types of farming and related situations. - Personalized support Crédit Mutuel supports farmers with structural change, such as the - Funding rising average size of farms, employee development, compliance with - Flexibility and modularity when needed environmental and welfare standards, the upgrading and digitization - Assets taken into account of machinery and the development of renewable energy. - Protection of your family The group strives to provide the right solutions for all kinds of - Protection of your crops (insurance for projects, with a particular emphasis on the changes prompted by food unexpected events) transition issues, regional development, the local food movement and - Effi cient digital and electronic payment the development of organic farming. services Crédit Mutuel is far more than just the no. 2 bank for the farming - Access to information sector – it is a trusted partner of the farming industry, whose values- Vendor support it has always shared: an understanding of the land, responsibility, the- Price incentives on our products and long view, the unexpected and risk, as well as an extraordinary sense services of solidarity. 68 69