Results for the third quarter and first nine months of 2015

Historically high quarterly results in a sluggish economy

• Strong business momentum
• Costs under control
• Cost of risk: further decrease
• Solvency ratios further strengthened

Crédit Agricole Group*

Q3-15 net income Group share: €1,751m (vs. €1,538m in Q3-14)
9M-15 net income Group share: €4,479m (vs €3,575m in 9M-14)
Fully-loaded CET1 ratio: 13.4% (+20 bps/June 15)
* Crédit Agricole S.A. and 100% of the Regional Banks

Crédit Agricole S.A.

Revenues of business lines: +1.8%* Q3/Q3
GOI of business lines: +2.5%* Q3/Q3
Cost of risk of business lines: -22.9%* Q3/Q3
Impact of specific items
- Switch clawback: -€80m in NIGS
- Issuer spreads/DVA/CPM: -€17m in NIGS
Q3-15 net income Group share: €930m (+14.8% Q3/Q3)
9M-15 net income Group share: €2,634m
ROTE 9M-15: 10.4%
Fully-loaded CET1 ratio: 10.3% (+10 bps/June 15)
* Restated for specific items

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