Results for the third quarter and first nine months of 2014

Strength of Crédit Agricole Group confirmed

- Good business momentum
- Continued fall in the cost of risk
- Solvency ratios further reinforced
- Crédit Agricole Group successfully passed AQR/Stress Test

Crédit Agricole Group*

Net income Group share Q3-14: 1,463 million euros (+2.1% YoY)
Net income Group share 9 months 2014: 3,588 million euros (-6.6% YoY)
Including BES impact in the second quarter of 2014 for -708 million euros
Fully-loaded Basel 3 CET1 ratio at 30 Sept 2014: 12.9% (+153 bps over 9 months)
*  Crédit Agricole S.A. and 100% of the Regional Banks

Crédit Agricole S.A.

Net income Group share Q3-14: 758 million euros (+4.1% YoY)
Stability of the business lines’ revenues: -0.9% YoY**
Costs under control
Decrease in the cost of risk of business lines: -19.0% YoY
Net income Group share 9 months 2014: 1,643 million euros (-13.2% YoY)
Including BES impact in the second quarter of 2014 for -708 million euros
Fully-loaded Basel 3 CET1 ratio at 30 Sept 2014: 10.1% (+160 bps over 9 months)
** excl. DVA running and loan hedges

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