Crédit Mutuel Group - 2018 Activity Report NEW CHALLENGES EXISTING REAL ESTATE TO EQUALLY STRINGENTSPECIFICATIONS AS NEW REAL ESTATE Already present in the new real estate sector for nearly three decades through numerous development programs launched in THE NEW CHALLENGES THAT ARE France and with nearly 10,000 new housing units sold each year, SHAPING OUR TRANSFORMATION Crédit Mutuel is now moving into the existing real-estate market. This market represents nearly a million transactions each year and offers numerous opportunities. A Triple Play box offer? Responsible travel with electrically-assisted bicycles? In particular, it’s an opportunity to showcase the values and An offer in existing real estate? strengths of a multiservice bank in the areas of fi nancing, By stepping outside traditional business boundaries and building unusual crossovers insurance, remote surveillance, telephone services and ultra via our range of skills and experience, Crédit Mutuel is stepping up to new challenges broadband access. to ensure growth and offer even more added value to its customers and members. And, as always with Crédit Mutuel, everything is simple and transparent and the starting point is the customer’s advisor: • Checking the eligibility of the property, • Introduction to a real-estate specialist, CLOSE UP ON 3 SERVICE INNOVATIONS • Precise valuation of the property and surveys performed AT CRÉDIT MUTUEL by local partners, ULTRA BROADBAND ACCESS BOX • Promotion of the real-estate advert with virtual tour, plans and listings on partner sites (leboncoin.fr, seloger.com, etc.), The fi rst banking group to offer mobile telephone services, • Organization and follow-up of visits. Crédit Mutuel has continued to expand its multiservice innovation strategy with a Triple Play Box (internet, landline and television). This offer rounds out its existing range of mobile phone packages and lays the basis for an attractive Quadruple Play offer. ELECTRICALLY-ASSISTED BICYCLE ON A HIRE PURCHASE BASIS Faced with the growing success, in numerous areas, of consumer leasing solutions (fi nancing use) at the expense of traditional purchases (fi nancing ownership), as well as the shift to more sustainable forms of transport, the interest of designing an offer of electrically-assisted bicycles with a hire purchase option rapidly gained ground within Crédit Mutuel. This is an original and attractive offer within the banking universe that highlights the group’s modernity and environmental commitment and has everything to attract existing and futurecustomers: The last note • Hire purchase over 36 months, As an expression of new aspirations and the refl ection of a moving world, redefi ning modernity, • The no. 1 electrically-assisted bicycle on the market, from €1 per day, music represents an enormous variety of styles and perspectives and a source of limitless creativity Delivery to the customer’s home anywhere in France, and shared enthusiasm: this, ultimately, is also what Crédit Mutuel embodies, • Three-year warranty and maintenance,including the battery, now and for the long term. • • Guaranteed purchase after 36 months if the contract is renewed, • Bicycles manufactured in France at La Flèche (72) by NEOMOUV. 80 81