Crédit Mutuel Group - 2018 Activity Report KEY FIGURES FINANCIAL FUNDAMENTALS SOLIDITY ON A PAR An exceptional opus AND DYNAMIC WITH THE BUSINESS TOP FRENCH MOMENTUM BANKS _ €17.526billion 17.5% NET BANKING INCOME COMMON EQUITY TIER 1 RATIO + 17.2% TOTAL NET PROFIT GROWTH 6.4% €3.504billion LEVERAGERATIO NET PROFIT ATTRIBUTABLE TO THE GROUP 132.6% €54.167billion LIQUIDITY OF SHAREHOLDERS’ EQUITY COVERAGE RATIO ATTRIBUTABLE TO THE GROUP 900,000 NEW CUSTOMERS A MAJOR PLAYER SERVING REGIONAL EFFICIENT INSURANCE IN FRENCH RETAIL DEVELOPMENT PRODUCTS AND BANKINSURANCE AND THE LOCAL SERVICES ECONOMY 17.1% €787.7 billion OVER15 AN ISSUER THAT Music& MILLION POLICYHOLDERS INSPIRES CONFIDENCE MARKET SHARE IN SAVINGS ACCORDING TO the bank IN BANK LOANS A FINANCIAL STANDARD & POOR’S OVER33 STRUCTURE LT RATING of the future 15.5% €396.7 billion MILLION POLICIES HIGHEST EUROPEANTHAT MEETS THE Our support of music marks IN DEPOSITS STANDARDS A our determination to make MARKET SHARE a concrete contribution IN DEPOSITS INSURANCE (SENIOR DEBT) to our regions and to support €467.4 billion ACCOUNTS FOR30% STABLE OUTLOOK young talent. Concerts, events, IN LOANS tours, festivals and awards COST/INCOME are all opportunities to feel OF NET PROFIT RATIO the rhythm together and share ATTRIBUTABLE TO 64.7% A+ our mutual values. THE GROUP ONE OF THE BEST IN THE SECTOR (COUNTERPARTY) 16 17