Montrouge, August 29th, 2024 2024 CAPITAL INCREASE RESERVED FOR EMPLOYEES Crédit Agricole S.A.’s capital increase reserved for the 180,000 Crédit Agricole Group employees and retired former employees1, the subscription period of which ran from 27 June to 10 July 2024, was completed on 29 August 2024. 23,918 people, in France and around the world, subscribed, for a total amount of €169.0 million. The investment scheme proposed a subscription with a 20% discount on the share price, calculated according to th ...

Montrouge, August 8th, 2024 Availability of the 2024 interim financial report Crédit Agricole S.A. informs the public that the Amendment A03 to the 2023 Universal Registration Document has been filed with the French Financial Markets Authority (AMF) on August 8th, 2024, under number D.24-0156-A03. This document is made available to the public, in accordance with the conditions provided for by the regulations and may be consulted in the “URD and Amendments” section of the Company’s website: https://www.credi ...

财务数据和关键指标变化 - 公司在2024年上半年和第二季度实现了很好的业绩,上半年净利润37亿欧元,同比增长14% [9][10] - 第二季度净利润18亿欧元,表面下降10%,但剔除特殊因素后基本保持稳定 [4][10] - 收入和营业收入均有所增长 [9][10] - 成本收入比在53%左右,远低于58%的中期目标 [6][31] - 资本充足率11.6%,高于11%的中期目标 [8][36] - 资产质量良好,不良贷款率2.2%,拨备覆盖率较高 [32][33] 各条业务线数据和关键指标变化 - 零售银行业务客户数和存款均有所增长 [13][14] - 法国房贷业务有所回暖,但仍低于之前水平 [14] - 企业贷款业务在法国有小幅增长,其他国家增长较快 [15] - 消费金融业务增长强劲,尤其是汽车贷款 [15] - 保险业务净流入和保费收入均有较大增长 [16] - 资产管理业务净流入和资产规模创新高 [17] - 企业投资银行业务表现出色,上半年创历史新高 [18] 各个市场数据和关键指标变化 - 法国零售银行业务存款结构有所改善,活期存款有所回升 [42][63][64] - 意大利贷款业务在第二季度有所加速,但价格竞争仍较激烈 [124][129] - 中国消费金融合资公司业务受到汽车销售疲软的影响 [134][135] - 保险业务在欧洲各国的信贷保险业务保持良好增长 [137] 公司战略和发展方向及行业竞争 - 公司继续看好在专业领域的并购机会,但对大型跨国并购持谨慎态度 [47][48][106][126][127] - 公司有能力有效整合并购标的,提高协同效应,但会谨慎控制并购节奏 [128][129] - 公司在监管变化方面保持警惕,如意大利可能出台新的银行税 [44][47] 管理层对经营环境和未来前景的评论 - 管理层对公司2024年全年能够超过60亿欧元净利润目标表示充分信心 [5] - 对经营环境持谨慎乐观态度,关注通胀、利率变化、政治不确定性等因素 [63][64][112][115] - 认为公司有能力应对各种经营环境变化,保持良好的财务表现 [4][5][31] 其他重要信息 - 公司将在第三季度进行员工股权激励计划,并将通过股票回购抵消其影响 [73] - 监管变化方面,IFRS 9过渡期将于2025年结束,Basel IV影响将在2025年体现 [58][59] 问答环节重要的提问和回答 问题1 **Tarik El Mejjad 提问** 是否关注意大利可能出台新的银行税 [44] **Jerome Grivet 回答** 公司对此保持谨慎态度,如果出台将平均影响所有银行,不会对公司构成重大影响 [47] 问题2 **Giulia Miotto 提问** 未来监管变化对资本的影响 [53][58][59][60][61] **Jerome Grivet 回答** IFRS 9过渡期影响将于2025年结束,Basel IV影响将在2025年体现,整体影响有限且可控 [58][59][60][61] 问题3 **Delphine Lee 提问** 保险业务本季度表现亮眼的原因 [70][71][136] **Jerome Grivet 回答** 保险业务净流入和保费收入均有较大增长,但具体经营差异因素难以量化 [136][137]

RESULTS OF THE SECOND QUARTER AND FIRST HALF 2024 WORKING EVERY DAY IN THE INTEREST OF OUR CUSTOMERS AND SOCIETY Disclaimer NOTE The financial information on Crédit Agricole S.A. and Crédit Agricole Group for the second quarter and first half of 2024 comprises this presentation and the attached appendices and press release which are available on the website: https://www.credit-agricole.com/en/finance/financial-publications This presentation may include prospective information on the Group, supplied as infor ...

PRESS RELEASE Montrouge, June 28, 2024 REDUCTION OF RESOURCES TO THE LIQUIDITY CONTRACT WITH KEPLER CHEUVREUX In accordance with the agreement signed as of 25 October 2006, updated on 18 January 2019, and amended by Amendment No. 1 dated 6 July 2020 and by Amendment No. 2 dated 18 March 2022, Crédit Agricole SA (ISIN: FR0000045072) entrusted Kepler Cheuvreux with the implementation of a liquidity contract (the "Contract"). This Contract, with an initial amount of €50 million, is intended to create an active ...

RobsonPL Political developments in France may have sent French bank stocks tumbling this week, but Crédit Agricole S.A. (OTCPK:CRARF)(OTCPK:CRARY) has nonetheless been a solid performer in recent years, outperforming wider European financials (EUFN) by around 30ppt since the European Central Bank ("ECB") began hiking interest rates back in the second quarter of 2022. Data by YCharts Although it has outperformed its peers in this time, Crédit Agricole is actually one of the least sensitive banks in Europe to ...

Credit Agricole SA (CRARY) appears an attractive pick, as it has been recently upgraded to a Zacks Rank #2 (Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices. The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the system. Sin ...

Investors interested in Finance stocks should always be looking to find the best-performing companies in the group. Credit Agricole SA (CRARY) is a stock that can certainly grab the attention of many investors, but do its recent returns compare favorably to the sector as a whole? By taking a look at the stock's year-to-date performance in comparison to its Finance peers, we might be able to answer that question. Credit Agricole SA is one of 854 companies in the Finance group. The Finance group currently sit ...

GENERAL SHAREHOLDERS' MEETING OF CRÉDIT AGRICOLE S.A. Montrouge, 22 May 2024 A Crédit Agricole S.A. General Shareholders' Meeting was held on Wednesday 22 May 2024 in Orléans, attended by Chairman Dominique Lefebvre and Chief Executive Officer Philippe Brassac. More than 900 people attended the Meeting either in person or remotely. With quorum of 77.58%, the General Shareholders' Meeting approved all of the resolutions put to it by the Board of Directors. All resolutions approved obtained a score above 85%. ...

Crédit Agricole业绩表现 - Crédit Agricole在过去两年中表现出了良好的资本回报率，股价表现优于欧洲综合指数[2] - 预计未来几个季度银行业的盈利能力将保持弹性，主要受资本市场重新开放、净利息收入的重点关注以及成本风险的缓慢规范化影响[3] - Crédit Agricole的多元化业务结构使其在未来利息率下降的情况下盈利更有保障，且公司的盈利预期优于市场预期[4]