Core Insights - Crédit Agricole Assurances achieved record high total premium income of €52.4 billion in 2025, reflecting a 20.1% increase compared to 2024, driven by strong performance in both domestic and international markets [6][8] - The company reported a net income of €2,030 million, up 7.8% when excluding the impact of an exceptional corporate income tax [6][17] - The launch of a new long-term corporate project, "Façonner Demain," aims to enhance diversification and strengthen the company's European presence, aligning with the ACT 2028 strategy [5][4] Financial Performance - Total premium income reached €52.4 billion, with domestic income at €44.7 billion (+22.1%) and international income at €7.7 billion (+9.6%) [8] - Net inflows were a record €15.9 billion, with significant contributions from both Unit-Linked and General Account products [10] - Life insurance outstandings grew to €373.0 billion, reflecting a 7.4% increase year-on-year, supported by strong net inflows [11] Business Segments - In savings and retirement, premium income was €39.7 billion, up 23.5% year-on-year, with gross inflows totaling €26.0 billion on the General Account and €13.8 billion on Unit-Linked [9] - Property and casualty premiums increased by 12.0% to €6.9 billion, with a portfolio of 17.9 million contracts [13] - Personal protection premiums rose by 8.6% to €5.8 billion, driven by growth in group insurance and individual death and disability products [15] Strategic Initiatives - The company aims to become the leading insurer by focusing on customer interests, enhancing international expansion, and developing innovative prevention solutions [7] - The ambition for 2028 includes achieving a gross operating income growth of over 3% annually and increasing international premium income to over €9 billion [7] - Crédit Agricole Assurances maintains a strong solvency position with a Solvency II ratio estimated at approximately 195% [21]

Group 1 - The European Central Bank has approved Crédit Agricole S.A. to exceed the 20% threshold in the share capital of Banco BPM, allowing it to hold 20.1% of the bank's capital [1][2][7] - Crédit Agricole S.A. has entered into derivative instruments linked to Banco BPM shares, building an additional 0.3% stake through these derivatives, which it intends to physically settle [2][3] - The accounting impact of Banco BPM's first-time consolidation is approximately -€600 million on the "share of net income of equity-accounted entities" line in the Q4-25 income statement, while the net income impact for the full year 2025 is positive by around €200 million [4][3] Group 2 - The first-time consolidation of Banco BPM has a solvency impact of around +5 basis points on Crédit Agricole S.A.'s CET1 ratio [4] - Crédit Agricole S.A. maintains its position as a long-term shareholder and partner of Banco BPM, with no intention to acquire control or exceed the mandatory tender offer threshold [2][3]

Core Viewpoint - Crédit Agricole S.A. has announced the redemption of its outstanding USD 1,500,000,000 Senior Non-Preferred Callable Fixed-to-Floating Rate Notes, which were issued on January 26, 2021, effective January 26, 2026 [1][2] Group 1 - The redemption will occur at the outstanding nominal amount along with any accrued interest [1] - Holders of the Notes will receive formal notice of the redemption in accordance with the Terms and Conditions [2] - The redemption amount will become due and payable on the redemption date, and interest on the Notes will cease on that date unless the redemption amount is improperly withheld [2]

Core Viewpoint - Crédit Agricole S.A. has made a redemption of €1.5 million to adjust the liquidity contract with Kepler Cheuvreux, which aims to create an active market for its shares on Euronext Paris. Group 1: Liquidity Contract Details - The liquidity contract was initially set at €50 million and has undergone several amendments since its inception on October 25, 2006, with the latest amendment on March 18, 2022 [1] - The redemption of €1.5 million was executed on December 19, 2025, to readjust the available amount for the liquidity contract [2] Group 2: Regulatory Compliance - The redemption was conducted in compliance with the MAR Regulation (EU No. 596/2014) and other relevant regulations, ensuring adherence to market abuse standards [3] Group 3: Position After Redemption - Following the redemption on December 19, 2025, the remaining position amounts to €43,442,934.57 and consists of 334,529 shares [4]

1 8 N o v e m b e r 2 0 2 5 Disclaimer This presentation contains forward-looking statements regarding Crédit Agricole S.A. and the Crédit Agricole Group, including market trends. Such information may encompass financial projections, underlying assumptions on which these projections are based, statements concerning projects, objectives and expectations related to future transactions, products and services, as well as considerations regarding future performance. These elements are derived from scenarios buil ...

Core Insights - The results for the third quarter highlight the robust performance of Crédit Agricole Assurances, showcasing a nearly 25% increase in savings and retirement premium income year-on-year, reflecting client trust amid political and economic uncertainties [2][4]. Financial Performance - Total premium income reached €39.3 billion, marking a 20.0% increase compared to September 2024 [4][10]. - Savings and retirement premium income was €29.8 billion, up 24.9% year-on-year, driven by strong commercial momentum and autonomous voluntary payments [5][10]. - Net inflows amounted to €12.0 billion, an increase of €7.8 billion year-on-year, with significant contributions from both the General Account and unit-linked products [6][10]. Product Performance - Life insurance in France saw a remarkable growth of 27.2%, attributed to inflow collections from partner banks [4]. - The outstanding life insurance reached €366.7 billion, with General Account reserves at €254.6 billion (+4.7%) and unit-linked reserves at €112.2 billion (+7.7%) [7]. - Property and casualty gross written premiums increased by 9.4% to €5.4 billion, including the consolidation of Abanca Seguros Generales [8]. Contribution to Net Income - The contribution of Crédit Agricole Assurances to Crédit Agricole S.A.'s Net Income Group Share was €1,461 million, stable year-on-year, but adjusted for exceptional tax contributions, it grew by 4.8% [12]. Operational Metrics - The combined ratio remained stable at 95.4%, with a slight decrease in the net undiscounted combined ratio to 97.6% [13]. - The Contractual Service Margin increased by 8.3% to €27.3 billion, driven by strong new business contributions [14].

Group 1 - Crédit Agricole S.A. has announced a share repurchase program for up to 22,886,191 ordinary shares, starting from 1 October 2025 and ending no later than 13 November 2025 [1][2] - The purpose of the share repurchase program is to offset the dilutive effect of a capital increase reserved for employees in 2025 [2] - Shares purchased under this program will be cancelled [1] Group 2 - The share repurchase will be conducted on the regulated market of Euronext Paris and will comply with relevant regulatory standards [3] - An independent investment services provider has been instructed to execute the share purchases during the specified period [2][3] - The existing liquidity agreement with Kepler Cheuvreux will be temporarily suspended during the execution of the share repurchase program [4] Group 3 - Details of the share repurchase program are available in Crédit Agricole S.A.'s Universal Registration Document and the resolution adopted by the General Meeting [5]

Core Viewpoint - Crédit Agricole S.A. has launched tender offers to purchase its outstanding perpetual notes, aiming to optimize its capital base and provide liquidity to investors [11]. Group 1: Details of the Offers - The offers include two series of notes: USD 8.125% Undated Deeply Subordinated Additional Tier 1 Fixed Rate Resettable Notes with an outstanding principal amount of USD 1.25 billion and GBP 7.500% Undated Deeply Subordinated Additional Tier 1 Fixed Rate Resettable Notes with an outstanding principal amount of GBP 396.684 million [12]. - The offer prices are set at USD 1,011.25 per USD 1,000 principal amount for the USD Notes and GBP 1,023.50 per GBP 1,000 principal amount for the GBP Notes [12]. - The expiration date for the offers is set for 5:00 p.m. New York City time on September 8, 2025, with a guaranteed delivery procedure available until September 10, 2025 [4][6]. Group 2: Conditions and Settlement - The acceptance of validly tendered notes is subject to certain customary conditions, including the successful completion of a proposed issuance of new notes [5]. - The settlement date for the offers is expected to occur on or about September 11, 2025 [6]. - Crédit Agricole S.A. intends to issue a new series of undated deeply subordinated additional tier 1 notes, considering the tendering intentions of investors [7]. Group 3: Additional Information - Further details regarding the terms and conditions of the offers can be found in the Offer to Purchase document [8]. - The company has provided contact information for assistance related to the offers, including details for the structuring bank and dealer managers [13].

Group 1 - Crédit Agricole S.A. has announced the launch of its annual capital increase reserved for employees globally [1] - The liquidity contract with Kepler Cheuvreux was initially set at €50 million to create an active market for Crédit Agricole S.A. shares on Euronext Paris [2] - A redemption of €5 million was made to the liquidity account on June 27, 2025, to readjust the amount available for the contract [3] Group 2 - Following the redemption, the position as of June 27, 2025, amounts to €30,394,424.67 and includes 1,133,877 shares [5] - The redemption was conducted in compliance with various regulations including MAR Regulation (EU No. 596/2014) and French Financial Market Authority guidelines [4]

Core Points - Crédit Agricole S.A. announced the redemption of all outstanding USD 1,500,000,000 Senior Non-Preferred Callable Fixed-to-Floating Rate Notes issued on June 16, 2020, effective June 16, 2025 [2][3] - The redemption will occur at the outstanding nominal amount along with any accrued interest, referred to as the Redemption Amount [2][3] - Holders of the Notes will receive formal notice of the redemption in accordance with the Terms and Conditions [3] Summary by Sections - **Redemption Announcement** - The Issuer, Crédit Agricole S.A., will redeem the Notes on June 16, 2025, as per the terms outlined in the base offering memorandum [2] - **Redemption Details** - The Redemption Amount will be due and payable on the Redemption Date, and interest on the Notes will cease on that date unless the Redemption Amount is improperly withheld [3] - **Legal and Regulatory Information** - The press release does not constitute an offer to buy or sell the Notes in various jurisdictions, including the United States, Canada, Australia, or Japan [4][5][7] - Specific legal and regulatory restrictions may apply to the redemption of the Notes in certain jurisdictions [5]