Crédit Mutuel Group - 2018 Activity Report HIGHLY COMPLEMENTARY BUSINESS SUBSIDIARIES Remote surveillance: FACTORING22% OF THE FRENCH MARKET CONSUMER CREDIT18+ 9.1% IN 20 TICKET RESTAURANT:ENHANCED SERVICES WITH EDENRED EPS the leader in France The factoring business is built around CM-CIC Factor, Crédit Mutuel The consumer credit products marketed through the network are This new service complements our employee benefi t products With 474,000 customers – including 12,000 remote assistance Alliance Fédérale’s long-time customer receivables fi nancing supplemented by those of the specialized subsidiaries: Targobank (employee savings and retirement, and group insurance), customers – and 31% of the market, EPS has been no. 1 in remote and management specialist, andFactofrance and Cofacrédit, Germany, the Cofi dis group in France and seven other European to create an ever wider and more effi cient service range. surveillance in France since 2002. two companies acquired from General Electric France in July 2016. countries, and Financo, subsidiary of Crédit Mutuel Arkéa. Users can enjoy the unique features of the Ticket Restaurant card, EPS markets its services: EQUIPMENT LEASING Consumer credit has continued to grow in the branch networks such as paying for their meals with their phone simply and - I n the Crédit Mutuel and CIC networks under the Crédit Mutuel + 10.4% and subsidiaries, reaching €45.9 billion. instantaneously with Apple Pay or Samsung Pay and direct Protection Vol and Protection Vol CIC brands, CM-CIC Bail, CM-CIC Leasing Solutions and Targobank Leasing access to the Dejbox, Deliveroo, Rapidle and Uber Eats delivery - Online under the EPS brand or via Homiris, its new consumer (Crédit Mutuel Alliance Fédérale), Bail Actéa (Crédit Mutuel Nord platforms. brand in partnership with TF1, Europe), Arkéa Crédit Bail (Crédit Mutuel Arkéa) together manage - To external partners on a white label basis or via Homiris: total assets of €12.3 billion. customers include other banks or insurance companies (e.g. Société Générale, Crédit du Nord, April, etc.), telephone PROPERTY LEASING providers (e.g. Générale de Téléphone, etc.) and real-estate + 5.2% partners (developers, builders, etc.). In addition to medium- and long-term loan fi nancing, corporate In addition to security, which is EPS’s core business, the customers are offered specialized real estate leasing products development of connected home services will soon make it through: CM-CIC Lease (Crédit Mutuel Alliance Fédérale), Arkéa possible to offer new products to our members and customers. Crédit Bail (Crédit Mutuel Arkéa) and Nord Europe Lease (Crédit Mutuel Nord Europe). Assets managed by the group’s subsidiaries stand at €5.5 billion. 78 79