Results for the fourth quarter and full year 2015

Crédit Agricole solidity confirmed

Very strong results driven by the performances of all business lines, allowing for a 60 euro cent dividend (+71%)
One of the most solid banking groups in Europe in terms of solvency (fully loaded CET1 of Crédit Agricole Group: 13.7%; of CASA: 10.7%)
A major project aimed at simplifying Crédit Agricole S.A.’s structure, improving transparency and capital quality … and paving the way for an ambitious Medium Term Plan focused on organic growth and profitability improvement

Crédit Agricole Group*

Net income Group share 2015: 6,043 million euros
Net income Group share 2015 (excluding specific items1): 6,164 million euros
Fully loaded Basel 3 CET1 ratio: 13.7% (+60bps vs. end-Dec. 2014)
* Crédit Agricole S.A. and Regional Banks at 100%

Crédit Agricole S.A.

Net income Group share Q4-15: 882 million euros (+27.5% vs. Q4-14)
Net income Group share 2015: 3,516 million euros (+50.0% vs. 2014)
Net income Group share 2015 (excluding specific items**): 3,633 million euros
Fully loaded Basel 3 CET1 ratio: 10.7% (+30bps vs. end-Dec. 2014)
Proposed dividend: €0.60 per share
** Excluding DVArunning, loan hedges, issuer spreads, indemnity received from Alpha Bank and increase in legal provision

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