Slides
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RESULTS FOR THE 3RD QUARTER AND THE FIRST 9 MONTHS OF 2026
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2 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS NOTE The Crédit Agricole Group scope of consolidation comprises: the Regional Banks. the Local Banks. Crédit Agricole S.A. and their subsidiaries. This is the scope of consolidation that has been selected by the competent authorities to assess the Group’s position in the recent stress test exercises. Crédit Agricole S.A. is the listed entity, which notably owns the subsidiaries of its business lines (Asset Gathering, Large Customers, Specialised Financial Services, French Retail Banking and International Retail Banking) Disclaimer The financial information on Crédit Agricole S.A. and Crédit Agricole Group for the third quarter and first nine months of 2026 comprises this press release, the presentation slides and the attached appendices 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 information on trends. This data does not represent forecasts within the meaning of EU Delegated Act 2019/980 of 14 March 2019 (Chapter 1. article 1. d). This information was developed from scenarios based on a number of economic assumptions for a given competitive and regulatory environment. Therefore, these assumptions are by nature subject to random factors that could cause actual results to differ from projections. Likewise, the financial statements are based on estimates, particularly in calculating market value and asset impairment. Readers must take all these risk factors and uncertainties into consideration before making their own judgement. The figures presented for the nine-month period ending 30 September 2026 have been prepared in accordance with IFRS as adopted in the European Union and applicable at that date, and with current regulations. This financial information does not constitute a set of financial statements for an interim period as defined by IAS 34 “Interim Financial Reporting” and has not been audited. Note: the scopes of consolidation of the Crédit Agricole S.A. and Crédit Agricole Groups have not changed materially since the Crédit Agricole S.A. 2025 Universal Registration Document were filed with the AMF (the French Financial Markets Authority). The sum of values contained in the tables and analyses may differ slightly from the total reported due to rounding. NB: all financial data are now presented stated for Crédit Agricole Group, Crédit Agricole S.A. and the business lines results, both for the income statement and for the profitability ratios. All data at 30 September 2025 is presented on a pro forma basis, with Banco BPM equity-accounted at 20.1%. Full detailed figures are provided in the quarterly data series published alongside the presentation slides.
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3 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Key messages and figures
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4 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS STRONG RESULTS, ACCELERATED GROWTH IN EUROPE • Strong results driven by higher revenues and a significant positive jaws • Limited impact of market conditions on solvency, solid liquidity position • Launch of CA Deutschland, a universal bank in Germany • Proposed acquisition of IKB, a leading player in financing German SMEs • Launch of CA Capital Naturel and first initiatives in the forestry sector • Launch of the Group’s AI company and partnerships with Mistral and Prisme.ai (1) Change in net income Group share adjusted for the write-off of CACEIS’s non-controlling interests in Q3-25 and the capital gain associated with SBI FM’s initial public offering in Q3-26. All variations are presented relative to Q3-25 and 9M-25 on a pro forma basis (with Banco BPM equity-accounted at 20.1%) – see appendix p. 37 ROTE is calculated on the basis of annualised net income Group share adjusted for the linearisation of IFRIC expenses and the corporate income tax surcharge; tangible equity is restated for all unrealised gains and/or losses (see appendix p. 43) Crédit Agricole S.A. €1,991m Net income Group share Q3-26 +17.9% Q3/Q3 +11.0% Q3/Q3 (1) Crédit Agricole S.A. +7.5% Growth in revenues Q3/Q3 Crédit Agricole S.A. +5.1 pp Jaws Q3/Q3 Crédit Agricole S.A. 14.2% ROTE 9M-2026 Crédit Agricole Group 17.3% CET1 ratio +0.1 pp Sept/June
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5 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS CA SAVINGS | CONTINUED ROLL-OUT OF THE DIGITAL SAVINGS PLATFORM ~200 new customers/day Mid-2026 Etc. ~650 new customers/day Target rate 2027–28 Cross-selling with Integration of financial savings products April 2026 From 2027 onwards Mid-October – December Mid-June – September Expansion into 2 European countries: Belgium, the Netherlands Roll-out in 6 additional European countries 7 bank savings products • Tagesgeld Flex • Tagesgeld Plus • Tagesgeld Ziel • Festgeld Kurzfristig • Festgeld Ausschüttend • Festgeld Langfristig • Festgeld Wachstum Launch of the commercial phase in a highly competitive environment characterised by strong pressure on interest rates Growth in customer acquisition whilst maintaining margins Launch of the app CA Savings website launched in Germany ....
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6 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS CRÉDIT AGRICOLE DEUTSCHLAND | UNIVERSAL BANK LAUNCHED IN OCTOBER 2026 Savings products Current accounts CA Deutschland debit card Creditplus Products A banking app meeting the highest market standards From launch, a range of products covering the main needs of German customers 2 German term deposit products – Festgeld 1 German passbook deposit product – Tagesgeld 7 European CA Savings deposit products Girokonto with debit card Instant transfers, no overdrafts P-konto (vulnerable customers) Consumer finance Mobility loans CA Deutschland: an app-first interface complemented by a website 01 Differentiation based on a wide range of savings products A broad range of savings products as an entry point, backed by banking services meeting market standards 02 Establishing an everyday banking relationship • Opening accounts to anchor the customer relationship 03 Gradually expanding the relationship (starting in 2027) • Developing cross-selling as the range of products expands: insurance, premium accounts, financial savings AI at the heart of the model 20 Creditplus branches rebranded under the Crédit Agricole Deutschland name Attracting customers through bank savings • Savings products as a tool for customer acquisition
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7 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS IKB | A LEADING PLAYER IN FINANCING GERMAN MITTELSTAND 1. Excluding any earn-out / accrued closing adjustments 2. Estimate incorporating an adjustment to net book assets and a conservative approach to risk -weighted assets IKB, a well-established franchise since 1924 • A recognised player amongst German SMEs and Midcaps, with expertise in public sector lending • A team based in Germany’s major cities (Düsseldorf, Berlin, Frankfurt, Hamburg, Munich, Stuttgart) • €8.2bn in corporate loans (IKB 2025) Leveraging the balance sheet and expertise of Crédit Agricole S.A. to support an ambitious development plan • Deepening relationships with IKB’s existing customers • Expanding the customer base by re-engaging long-standing clients • Developing cross-selling with our commercial banking divisions (trade finance, cash management), structured finance, capital markets (hedging solutions), leasing and factoring • Supporting our Midcaps customers in France, Italy and Poland with their financing needs in Germany A pan-European approach to serve Midcaps customers IKB / LCL / CACIB CA Bank Polska CA Ukraine LCL / RB / CACIB CA Italia / CACIB ~ €660m(1) purchase price ~ 15% ROI in 3Y -20 bp CET1(2)
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8 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS LAUNCH OF CRÉDIT AGRICOLE CAPITAL NATUREL | REGENERATION AND ENHANCEMENT OF ECOSYSTEMS (1) Insurance where the amount of compensation is determined by dynamic indicators specific to each customer/asset (e.g. rate of regeneration etc.) Customer needs relating to natural capital Operating across the entire regeneration value chain Corporates Investors Natural asset owners Savers Local stakeholders & authorities First 2 initiatives in the forestry sector, with further development planned at the European level Advising and supporting Nature-based and resilience strategies Expert & Engineering consultancy Trading of carbon credits Financing for nature-based projects Parametric insurance(1) Savings products and funds Project management Financing and insuring projects Directing capital/investing Operating partner for funds Initiating and implementing natural capital projects 5 geographical locations A customer base of 100,000 individual customers and 2,000 corporates 1,600 hectares of sustainably managed forest ecosystems Acquisition of a majority stake in a sustainable forest management business EcoTree, a leading player offering a comprehensive range of expertise, engineering and services to businesses and individuals Launch of a forest regeneration fund Amundi Arbora Nova: a fund dedicated to reforestation and regeneration in France and Europe Ambition: €200 million Plans: to broaden the scope of our activities To support European customers in addressing the challenges of climate change and the conservation of natural resources: • Water • Biodiversity • Soil • Air…
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9 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Crédit Agricole S.A. Q3-26 Summary
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10 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS KEY FIGURES GOI Net income Group share CRÉDIT AGRICOLE GROUP CRÉDIT AGRICOLE S.A. GOI Net income Group share Cost/income ratio CET1 ratio CoR/ outstandings 4 rolling quarters Liquidity reserves 57.7% -3.5 pp 9M/9M 31 bp +1 bp Q3/Q2 17.3% +0.1 pp Sept/June €491bn +3.4% Sept./Jun Cost/income ratio CET1 ratio CoR/ outstandings 4 rolling quarters ROTE 54.9% -1.7 pp 9M/9M 39 bp +1 bp Q3/Q2 11.2% -0.1 pp Sept/June 14.2% -0.2 pp 9M/9M 3rd QUARTER 2026 €7,092m +7.5% Q3/Q3 €3,164m +14.6% Q3/Q3 Revenues €10,497m +10.7% Q3/Q3 €4,564m +23.6% Q3/Q3Revenues 3rd QUARTER 2026 €31,378m +8.8% 9M/9M €13,268m +18.5% 9M/9M9M-2026 9M-2026 €21,449m +5.3% 9M/9M €9,670m +9.4% 9M/9M €5,718m +1.0% 9M/9M +2.9% 9M/9M €1,991m +17.9% Q3/Q3 +11.0% Q3/Q3 (1) (1) Changes in net income Group share adjusted for the following impacts: capital gain arising from the deconsolidation of Amundi US (+€304m and +€307m for CASA and GCA respectively in Q2 2025); elimination of non-controlling interests following the acquisition of Santander’s non-controlling interest, amounting to +€79m in Q3 2025; capital gain arising from the initial public offering of SBI FM (+€205m and +€210m for CASA and GCA respectively in Q3 2026) All variations are presented relative to Q3-25 and 9M-25 on a pro forma basis (with Banco BPM equity-accounted at 20.1%) – see appendix p. 37 ROTE is calculated on the basis of annualised net income Group share adjusted for the linearisation of IFRIC expenses and the corporate income tax surcharge; tangible equity is restated for all unrealised gains and/or losses (see appendix p. 43) (1) €7,654m +13.7% 9M/9M +15.9% 9M/9M €2,780m +28.2% Q3/Q3 +23.0% Q3/Q3(1) (1)
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CRÉDIT AGRICOLE GROUP CRÉDIT AGRICOLE S.A. 11 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS SUSTAINED ACTIVITY, ACCELERATION OF THE DIGITAL TRANSFORMATION ACTIVITY Total: 125 (+2.4%) Personal finance: 49 (+2.6%) Mobility: 50 (+1.6%) CA Networks: 25 (+3.7%) Managed consumer finance outstandings (€bn) • Customer capture: 1.8m new customers in 9M-26 • Acceleration of the digital transformation: • LCL: following L by LCL pro, launch of the L by LCL part. offering for individual customers • Regional Banks: launch of pro by CA and a 100% digital onboarding process for adults and minors • BforBank: digital platform focused on savings and profitability • CA Italia: 38% digital acquisition in customer capture • Retail banking in France: slowdown in home loans (-4%) against a backdrop of rising interest rates; corporate loans up overall (+4%) but with mixed performance across different networks • Italy: dynamic lending production (+17%) driven by corporate loans (+26%) and the continued recovery in home loans (+9%) in a competitive market • Insurance: record Q3 premium income thanks to strong performance across all business lines, 20% market share of gross inflows in Savings/Retirement in France; net inflows of €3.2bn, evenly split between euros and UL • Asset Management: high net inflows (+€46bn excluding outflows from a mandate for Indian JV SBI FM), driven by MLT assets, evenly split between institutional and retail customers • CAPFM: the automotive market remains very unfavourable, weighing on the used car resale business; significant decline in short-term car rentals • CIB: record activity, very strong performance in fixed-income activities (FICC +8.3%) and structured equities, as well as in financing activities • CACEIS: high levels of assets under custody and under administration, increase in settlement and delivery volumes. Proposed partnership with E. de Rothschild in Luxembourg # 2 EUR Green, Social & Sustainable bonds # 4 All bonds in EUR Worldwide # 2 Syndicated loans in France # 2 Syndicated loans in EMEA Sources: Refinitiv/Bloomberg Change Sept. 26/Sept. 25 Assets under custody and administration (€bn) AuC: 6,161 (+8.1%) AuA: 3,828 (+7.2%) Total: 848 (+1.1%) France: (RB and LCL): 782 (+0.9%) Italy: 66 (+2.1%) On-balance sheet deposits in retail banking (€bn) Total: 3,299 (+10.9%) Life insurance: 396 (+7.9%) Asset management: 2,579 (+11.3%) Wealth management: 324 (+11.8%) Assets under management (€bn) Property and casualty insurance: 18.3M (+6.4%)Number of contracts Total: 573K France: 429K Italy: 47K Others: 97K New retail banking customers Q3-26 Total: 907 (+2.0%) France: (RB and LCL): 843 (+1.9%) Italy: 64 (+3.2%) Loans outstanding retail banking (€bn)
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CRÉDIT AGRICOLE S.A. 12 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS 4.6 4.8 5.0 5.2 5.5 5.3 6.3 6.5 6.6 7.1 Q3-17 Q3-18 Q3-19 Q3-20 Q3-21 Q3-22 Q3-23 Q3-24 Q3-25 Q3-26 HIGH REVENUES THAT CONTINUE TO GROW REVENUES Q3/Q3 change in revenues, by business line (€m) Quarterly revenues (€bn) Implementation of IFRS 17 since 2023 Q3-25 pro forma Banco BPM Strong rise in revenues driven by robust savings activity Negative impact of climate-related claims NII: recovery continued in France (+18%), with growth in Italy (+4.5%) Fee and commission income on the rise Strong performance in personal finance Mobility: a downturn in the automotive market and a significant decline in the short- term car rental business (Drivalia) Record Q3 results driven by all business lines within the division +€494m +7.5% AG: Asset gathering; LC: Large customers; SFS: Specialised financial services; RB: Retail banking; CC: Corporate Centre Scope effects and integration costs in Appendix p. 36
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CRÉDIT AGRICOLE S.A. 13 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS 3,837 3,928 -67 +62 +25 +64 +6 Q3-25 proforma Asset gathering Large customers SFS Retail banking Corporate centre Q3-26 Q3/Q3 change in expenses, by business line (€m) POSITIVE JAWS +5.1 PP EXPENSES Breakdown by nature of costs (€m) +€91m +2.4% AG: Asset gathering; LC: Large customers; SFS: Specialised financial services; RB: Retail banking; CC: Corporate Centre Scope effects and integration costs in Appendix p. 36 CIB: increase in performance- related variable compensation Including provision of +€54m for variable compensation LCL transformation plan Strategic projects CA Savings and CA Deutschland Positive base effect: Amundi’s restructuring costs in Q3-25 (-€80m) Change in recurring expenses +€123m +3.2%
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CRÉDIT AGRICOLE GROUP CRÉDIT AGRICOLE S.A. 14 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS SFS 57% SFS 50% LCL 19% LCL 22% IRB 16% IRB 11% LC 8% LC 9% CC 7% Q3-25 Q3-26 490 508 405 699 483 -19 4 102 -240 97 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 S3 CoR S1&S2 CoR Others Total CoR + 19.6% COST OF RISK UNDER CONTROL Crédit Agricole S.A. cost of risk (€m) Cost of risk/outstandings 4 rolling quarters NPL Ratio Loans loss reserves Coverage ratio 39 bp €9.9bn 2.4% (2) stable vs Q2-26 68.0% (2) +0.8 pp vs Q2-26 CRÉDIT AGRICOLE S.A. NPL Ratio Loans loss reserves Coverage ratio 31 bp CRÉDIT AGRICOLE GROUP 2.3% (2) stable vs Q2-26 79.6% (2) +0.1pp vs Q2-26 €23.2bn AG: Asset gathering; LC: Large customers; SFS: Specialised financial services; IRB: International Retail banking; CC: Corporate Centre Cost of risk/outstandings (bp, annualised)Cost of risk by business line Cost of risk/outstandings 4 rolling quarters RISKS Q3-25 466547629489 585 Crédit Agricole Group Crédit Agricole S.A. 29 33 31 28 32 35 45 38 32 39 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 increased overlays on certain portfolios and rating effects (€30m) 128 (1) 571 18 117 39 7 4 (1) Provision related to the technical migration of a few files currently being disposed of (2) Estimated indicators following the disposal of files subject to the technical migration Q3-26
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CRÉDIT AGRICOLE GROUP CRÉDIT AGRICOLE S.A. 15 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS CAPFM CA Italia LCL Regional Banks CAL&F Financing activities 21 30 26 28 29 37 72 33 28 31 7 20 4 -2 16 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 23 23 25 23 25 144 163 148 145 145 29 35 24 24 42 COST OF RISK BY BUSINESS LINE RISKS ➔ CAPFM: incurred risk in France stable at a high level Q3/Q2, increasing across certain international entities ➔ CA Italia: asset quality stable Q3/Q2 and coverage ratio improving since the beginning of the year ➔ Retail banking in France: stable level of incurred risk since the beginning of the year; strengthening of S1/S2 provisions on certain portfolios ➔ CAL&F: increase in S1/S2 provisions driven by rating effects ➔ Financing activities: still low; increase in S1/S2 provisions reflecting conservative rating management on certain exposures Cost of risk/outstandings (1) (bp, annualised) o/w €78m in legal provisions (UK car loans) recognised between Q3-25 and Q1-26 (1) See the breakdown by entity in Appendix p. 48 o/w Banca Progetto provision (€30m)
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CRÉDIT AGRICOLE S.A. 16 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS 1,688 1,991 - 88 - 54 +364 +44 +36 Q3-25 proforma Asset gathering Large customers SFS Retail banking Corporate centre Q3-26 -€138 million, excluding the capital gain from SBI FM and the base effect (CACEIS non- controlling interests) STRONG RESULTS DRIVEN BY A SHARP RISE IN GOI (+14.6%) RESULTS Q3/Q3 change in Net income Group share by business line (€m) Change in Q3/Q3 net income Group share by P&L line (€m) AG: Asset gathering; LC: Large customers; SFS: Specialised financial services; RB: Retail banking; CC: Corporate Centre +€159m Excluding SBI FM capital gain (AMUNDI) Scope effects and integration costs in Appendix p. 36 +€407m +14.7% +€123m excluding base effect (CACEIS non-controlling interests) Leasys: -€48m Drivalia: -€45m +€177m +11.0% Gross operating income (1) Change in net income Group share adjusted for the write-off of non-controlling interests related to the acquisition of Santander’s non-controlling interests in Q3 2025 (€79 million) and the capital gain associated with SBI FM’s initial public offering in Q3 2026 (€205 million). (1) Capital gain from SBI FM Write-off of CACEIS non- controlling interest 1,688 1,991 -91 -96 -14 +494 +10 Q3-25 proforma Revenues Operating expenses Cost of risk Equity accounted Other Q3-26 -€116m excluding SBI FM capital gain (AMUNDI) and the base effect (CACEIS non-controlling interests) +€403m +14.6% Gross operating income
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CRÉDIT AGRICOLE S.A. 17 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS -17 bp11.3% 11.2% June 26 Organic capital generation Distribution M&A, OCI and other Sept. 26 +34 bp -22 bp 363 363 60 60 12 12-0.2 -0.8 -1.1 -0.3 + 1.7435 434 June 26 RB AG SFS LC CC Sept. 26 Credit risk Operational risk Market risk STABLE SOLVENCY RATIO (TARGET AT 11%) STRONG FINANCIAL POSITION – CRÉDIT AGRICOLE S.A. Change in CET1 ratio (bp) Change in RWA by business line (€bn) CET1 RATIO 11.2% -0.1 pp vs June 26 +2.4 pp vs SREP requirement 3.7% stable vs June 26 +0.7pp vs requirement €0.85/share 9M-2026 OCI: -13 bp Employee rights issue and related SBB : -4 bp LEVERAGE RATIODIVIDEND -€0.6bn -0.1% (1) (1) Including AT1 coupons (-3 bp) and the anticipated dividend based on a payout ratio of 50%
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CRÉDIT AGRICOLE GROUP 18 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS +27 bp -8 bp -13 bp 17.2% 17.3% June 26 Organic capital generation Distribution M&A, OCI and other Sept. 26 586 585 89 89 13 14 -0.7 -1.1 -0.9 +0.8 +2.0688 688 June 26 Retail Banking AG SFS LC CC Sept. 26 Credit risk Operational risk Market risk VERY HIGH CAPITAL STRONG FINANCIAL POSITION – CRÉDIT AGRICOLE GROUP Change in CET1 ratio (bp) Change in RWA by business line (€bn) CET1 RATIO 17.3% +0.1 pp vs June 26 +6.9 pp vs SREP requirement LEVERAGE RATIO 5.5% Stable vs June 26 +1.8pp vs requirement TLAC/RWA 27.9% +0.6 pp vs June 26 +5.0 pp vs requirement MREL/RWA 32.2% +0.6 pp vs June 26 +5.4 pp vs requirement OCI: -10 bp Employee rights issue and related SBB : -3 bp
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CRÉDIT AGRICOLE GROUP 19 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS 63% 23% 11% 3% Individuals/SMEs - including 100% of regulated passbooks Corporates Financial institutions Sovereign, Public sector 53% 31% 16% Sight deposits Time deposits (incl. PEL) Regulated passbooks (Livret A, LEP, LDD) 138 153 165 170 43 45 129 123 475 491 30/06/2026 30/09/2026 Central bank deposits (2) HQLA (High Quality Liquid Assets) securities portfolio (1) Other non-HQLA securities (1) Eligible collateral already pledged to Central Banks and unencumbered STRONG LIQUIDITY POSITION STRONG FINANCIAL POSITION – CRÉDIT AGRICOLE GROUP Liquidity reserves (€bn) Customer deposits (€bn) 1. At market value after haircut 2. Excluding cash (€4bn) & mandatory reserves (€12bn) 3. i.e. a surplus of €85bn for CAG 4. Gross amount before buy-backs and amortisations, excluding AT1 issuances. Crédit Agricole S.A.’s 2026 funding plan set at €18bn by type of customersby nature Stable, diversified and granular customer deposits • 37m retail banking customers, o/w 28m individual customers in France • ~60% of guaranteed deposits in Retail Banking in France €1,192bn LCR avg. 12M As of 30/09/2026 136%(3) 120%NSFR As of 30/06/2026 €23.2bn (4) Progress of the funding plan As of 30/10/2026 €1,192bn +1% vs June 26
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS20 INCOME STATEMENT M€ Q3-26 Q3/Q3 9M-2026 9M/9M Revenues 7,092 +7.5% 21,449 +5.3% Operating expenses (3,928) +2.4% (11,779) +2.2% Gross operating income 3,164 +14.6% 9,670 +9.4% Cost of risk (585) +19.6% (1,598) +18.9% Equity-accounted entities 105 -12.2% 500 +13.7% Net income on other assets 343 ns 330 -27.8% Change in value of goodwill - ns - ns Income before tax 3,027 26.6% 8,903 +6.1% Tax (706) +19.0% (2,369) +21.3% Non controling interests (330) x 3 (816) +4.6% Net income Group Share 1,991 +11.0% 5,718 +2.9% +17.9% +1.0% Cost/Income ratio (%) +55.4% -2.8 pp +54.9% -1.7 pp ROTE +14.2% -0.2 pp (1) Changes in net income Group share adjusted for the following impacts: capital gain related to the deconsolidation of Amundi US for +€304 million in Q2 2025; write off of non-controlling interests following the acquisition of Santander’s non-controlling interests for +€79 million in Q3 2025; capital gain related to the initial public offering of SBI FM for +€205 million in Q3 2026 All variations are presented relative to Q3 2025 and 9M 2025 on a proforma basis (with Banco BPM equity-accounted at 20.1%) – see appendix p. 37 ROTE is calculated on the basis of annualised net income Group share adjusted for the linearisation of IFRIC expenses and the corporate income tax surcharge; tangible equity is restated for all unrealised gains and/or losses (see appendix p. 43) (1) (1)
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21 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Crédit Agricole S.A. Business lines
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CRÉDIT AGRICOLE S.A. 22 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS 1,4 1,6 1,5 1,4 1,6 1,5 2,8 3,1 3,0 Q3-25 Q2-26 Q3-26 Death & disability / Creditor / Group Property & Casualty ASSET GATHERING – INSURANCE Savings/Retirement: net inflows of €3.2 billion, against a backdrop of greater volatility • Gross inflows: €9.4 billion (+5% Q3/Q3), supported by France; UL rate at 34.6% • Outstandings (2): €396 billion (+6% Sept./Dec.), benefiting from net inflows and positive market conditions; UL ratio at 31.6%; Oriance’s success confirmed at nearly €7 billion Property and casualty: performance driven by price changes, scope effects and portfolio growth to 18.3 million policies (+6.4% (3) year on year) Personal protection: growth across all business lines; individual death & disability insurance (+15%), creditor insurance (+5%) driven by consumer finance and mortgage lending, and group insurance (+12%) Revenue (4): growth in Savings/Retirement has offset the impact of weather-related claims (drought, crop damage, storms and hail, and fires) CSM: €27.9 billion (+1.3% Sept./Dec.), benefiting from a new business contribution that exceeded the CSM allocation, which offset the adverse impact of the stock revaluation due to deteriorating market conditions in Q3 Combined ratio (5) stood at 97.2% at the end of September, up 1.8 pp year-on-year and up 0.5 pp compared with the end of June, due to the high level of weather-related claims during the quarter (drought, crop damage, storms and hail, and fires) 4. PiùVera Assicurazioni and PiùVera Protezione scope effect: €15 million 5. Combined property & casualty ratio in France (Pacifica) including discounting and excluding undiscounting. net of reinsurance: (claims + operating expenses + fee and commission income)/gross premiums earned. Undiscounted ratio: 100.1% (+2.5 pp/9M 2025) Savings/Retirement Net inflows (€bn) Property and personal insurance Premium income (€bn) Contribution to earnings (in €m) Q3-26 ∆ Q3/Q3 9M-26 ∆ 9M/9M Revenues 704 +4.3% 2,270 +3.5% Gross operating income 604 +5.5% 1,947 +2.1% Income before tax 604 +5.6% 1,947 +2.1% Net income Group Share 492 +5.9% 1,443 (1.2%) (1) 1. Premium income on a like-for-like basis (PiùVera Assicurazioni and PiùVera Protezione): +5% overall; +5% in property and personal protection; +6% in property and casualty; +4% in personal protection 2. Savings, retirement and funeral insurance 3. On a like-for-like basis: +2.6% in property & casualty portfolio (1) (1) +1.9 +3.5 +1.4 +1.9 +2.6 +1.8 +3.8 +6.1 +3.2 Q3-25 Q2-26 Q3-26 In Euros Unit-linked (1) (1)+8.6%1 +8% Q3/Q3 +9% (1) (1)
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CRÉDIT AGRICOLE S.A. 23 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS ASSET GATHERING – ASSET MANAGEMENT (AMUNDI) Revenues driven by higher management fees and commission income (+13%) and Technology revenues (+17%) Expenses: excluding the provision for restructuring costs in Q3 2025, expenses rose by 3.5% and cost/income ratio improved by -4.1 pp Equity-accounted entities: growth driven by contributions from ICG (€13 million) and Victory Capital (€26 million); JV down 6% due to the disposal of a 10% stake in SBI FM and the fall in the Indian rupee (-7%) Assets under management (in €bn) Contribution to earnings (in €m) Q3-26 ∆ Q3/Q3 9M-26 ∆ 9M/9M Revenues 890 +11.6% 2,617 +6.4% Operating expenses (465) (12.2%) (1,399) (3.9%) Gross operating income 424 +58.8% 1,218 +21.3% Equity-accounted entities 70 +36.3% 296 x 2.2 Net income on other assets 349 n.m. 348 (23.0%) Income before tax 841 x 2.7 1,856 +17.0% Net income 670 x 2.8 1,410 +11.0% Net income Group Share 469 x 2.9 972 +14.4% Cost/Income ratio (%) 52.3% -14.2 pp 53.4% -5.7 pp 1. Excluding outflows from a mandate for the Indian joint venture SBI FM (-€39.1 billion in Q3 2026, at a very low margin) 2. Excluding associates (SBI FM in India, NH Amundi in South Korea, ABC-CA in China, Wafa Gestion in Morocco, Victory Capital and ICG) 781 890 915 1,122 1,236 1,237 414 456 427- 39.1 - 8.8 +21.2 +19.7 +4.7 2,317 2,581 2,579 Sept. 25 June 26 Retail Institutionals Associates Transfers Market/Forex effect Sept. 26 Associates Institutionals Retail +€45.6bn +11.3% -0.1% (1) Assets under management remained stable at €2,579 billion. They were affected this quarter by outflows from a mandate for Indian JV SBI FM(1) and by a negative market impact (-€21 billion, linked to the rise in interest rates) Strong activity • Record inflows over 9 months of +€102 billion(1) ⁃ of which +€94 billion in MLT assets (2) (+7% annualised) • Strong Q3 inflows: +€46 billion(1), of which +€42 billion in MLT (2) ⁃ balanced between ETFs (+€17 billion) and active management (+€14 billion) ⁃ also balanced between Retail (driven by third-party distributors) and Institutionals (following the acquisition of several mandates) • Associates: strong inflows in the US for Victory Capital (+€2 billion in Q3) Finalisation of the 9.9% equity partnership in ICG
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CRÉDIT AGRICOLE S.A. 24 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS 226 249 256+ 2.1 + 4.8 Sept. 25 June 26 Net Inflows Market / Forex / Scope effect Sept. 26 +13.2% +2.8% Contribution to earnings (in €m) Q3-26 ∆ Q3/Q3 9M-26 ∆ 9M/9M Revenues 433 +9.8% 1,306 +5.2% Operating expenses (336) +0.1% (1,020) (0.7%) Gross operating income 96 +66.0% 286 +33.4% Income before tax 91 +80.8% 265 +35.6% Net income Group Share 63 +80.5% 174 +35.0% Cost/Income ratio (%) 77.8% -7.5 pp 78.1% -4.6 pp ASSET GATHERING – WEALTH MANAGEMENT (INDOSUEZ WEALTH MANAGEMENT) Asset Under Management (1) at an all-time high: High level of net inflows and positive market effect Commercial activity up over the quarter: a +6% Q3/Q3 increase in fee and commission income on structured products; and a +14% increase in outstanding loans Sept./Sept. Integration of Degroof Petercam: synergy progress rate ~50% Net income Group share contribution target: +€150/€200m confirmed by 2028 Revenues: strong increase of +7.9% excluding the base effect linked to the reorganisation of market activities in Q3 2025, benefiting from recent integrations (2), as well as growth in fee and commission income on assets under management and the net interest margin Expenses: strong positive jaws effect driven by lower integration costs(3), with effective control of operating expenses Cost/income ratio: improved to 76.8% excluding integration costs (-2.8 pp Q3/Q3) 2. Scope effects relating to the acquisition of Banque Thaler and the takeover of the BNPP portfolio in Monaco: c.+€9 million in revenues and c.-€6 million in expenses 3. Q3 2026 Degroof Petercam integration costs: -€4.0 million vs -€22.5 million in Q3 2025 Assets under management (in €bn) 1. Inclusion of approximately €4 billion in AuM in Q3 2026 (acting as management company for funds from private or professional clients) (1)
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CRÉDIT AGRICOLE S.A. 25 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS LARGE CUSTOMERS – CORPORATE AND INVESTMENT BANKING Capital markets and investment banking: +14.1% Q3/Q3, driven by the excellent performance of the structured equity activities and ECM in a very buoyant market (investment banking +42%). FICC +8.3%, with strong commercial momentum capitalising on the rising interest rate environment, particularly in hedging activities Financing activities: +7.1% Q3/Q3, driven by commercial banking (+10.2%) across all Corporate and Leveraged Finance activities and Transaction Banking activities (Trade Finance and Cash Management) Record Q3 and 9M revenues Expenses: increase due to variable compensation, business line growth and IT expenses Cost of risk: still low level; increase in S1/S2 provisions reflecting prudent management of credit ratings in certain cases RWA: €133.3 billion, up €1.9 billion on Q2. Synthetic securitisations accounted for €2.4 billion of RWA relief over the nine months 1. Bloomberg in EUR 2. Refinitiv LSEG Revenues (€m) #2 – EUR Green, Social & Sustainable bonds(1) #4 – All Bonds in EUR Worldwide (1) Contribution to earnings (in €m) Q3-26 ∆ Q3/Q3 9M-26 ∆ 9M/9M Revenues 1,748 +10.4% 5,340 +3.2% Operating expenses (947) +6.8% (2,860) +3.1% Gross operating income 801 +15.1% 2,480 +3.3% Cost of risk (48) +63.4% (85) x 3.4 Income before tax 754 +13.3% 2,392 +0.6% Net income Group Share 528 +24.3% 1,703 (1.7%) Cost/Income ratio (%) 54.2% -1.9 pp 53.6% -0.1 pp 525 579 305 311 624 675 128 1821,582 1,748 Q3-25 Q3-26 Investment banking Capital markets Structured finance Commercial banking & other Fin Mkts +8.3% +1.8% +10.2% +42.4% Var Q3/Q3 +10.4% #2 – Syndicated loans in France(2) #2 – Syndicated loans in EMEA (2) 1,622 1,641 923 914 2,184 2,155 445 630 5,174 5,340 9M-25 9M-26 (1.3%) (1.0%) +1.1% +41.7% Var 9m/9m +3.2%
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CRÉDIT AGRICOLE S.A. 26 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS LARGE CUSTOMERS – ASSET SERVICING (CACEIS) Assets under custody and under administration rose year-on-year, driven by new client acquisitions and positive market effects, but fell Sept./June, reflecting the market environment in Q3 Settlement and delivery volumes: +18%, driven by France, Luxembourg and Germany; significant growth against the backdrop of heightened volatility in 2026 Digital assets: - CACEIS has joined the FARO platform (USD stable coin consortium) - CAA has invested€100m in an Amundi fund tokenised in partnership with CACEIS Project to expand partnership with Edmond de Rothschild in Luxembourg Revenues driven by asset-based fees and commissions and flow activities; NII up Expenses under control Equity-accounted entities: -€6m Q3/Q3, contribution from entities currently being discontinued frozen at 30/06/26 in accordance with IFRS 5 (Uptevia/Latam) Net income Group share up by 17%, excluding a one-off effect of +€79 million on non-controlling interests (termination of Santander’s non-controlling interests in Q3-25) Assets under custody – AUC (€bn) Assets under administration – AUA (€bn) Contribution to earnings (in €m) Q3-26 ∆ Q3/Q3 9M-26 ∆ 9M/9M Revenues 549 +6.4% 1,658 +6.5% Operating expenses (361) +0.7% (1,055) (3.1%) Gross operating income 188 +19.5% 603 +28.8% Cost of risk (2) n.m. (31) x 4.5 Equity-accounted entities 0 (97.9%) 17 (12.1%) Income before tax 185 +18.8% 589 +22.4% Net income Group Share 138 (30.1%) 443 +21.5% Cost/Income ratio (%) 65.7% -3.8 pp 63.6% -6.3 pp
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CRÉDIT AGRICOLE S.A. 27 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Contribution to earnings (in €m) Q3-26 ∆ Q3/Q3 9M-26 ∆ 9M/9M Revenues 676 (2.7%) 2,055 (1.0%) Operating expenses (364) +5.9% (1,101) +4.5% Gross operating income 312 (11.0%) 954 (6.6%) Cost of risk (254) +0.8% (758) +7.4% Equity-accounted entities (55) n.m. (76) n.m. Income before tax 2 (97.6%) 117 (67.2%) Net income Group Share (25) n.m. 7 n.m. Cost/Income ratio (%) 53.8% +4.3 pp 53.6% +2.8 pp SFS – PERSONAL FINANCE AND MOBILITY 1. Excluding automotive JVs. Gross managed loans (€bn) Consolidated loans outstanding (€bn) Production up 2.5% Q3/Q3 to €12.3 billion, driven by all business lines Average customer production rate +15 bp Q3/Q2 (1) Assets under management showed balanced growth across the three sectors. Consolidated outstandings down 0.9% year-on-year Mobility: the automotive market environment remains unfavourable, weighing on the used car resale business, and there has been a significant decline in short-term car rentals Revenue: the positive price effect on personal finance does not offset the deterioration in the automotive market within the mobility segment: lower margins on used cars (CAAB/Drivalia) and a significant decline in Drivalia’s short-term car rental business Expenses up 4.1% excluding strategic CA Savings and CA Deutschland projects (2) Cost of risk/outstandings (3) stable this quarter at 145 bp; incurred risk in France stable at a high level Q3/Q2, increasing across certain international entities Equity-accounted entities impacted by the decline in margins on used cars at Leasys (contribution of -€55 million in Q3 2026) RWA: SRT programme freeing up €1 billion in Q3 2026 48.0 49.0 49.2 49.6 50.2 50.3 24.4 25.1 25.3 122.0 124.3 124.9 Sept. 25 Jun. 26 Sept. 26 CA Group (LCL & RBs) Automobile (CA Auto Bank + partnerships auto) Other entities +2.4% +2.6% +1.6% +3.7% ∆ Sept./Sept. 11.7 24.618.6 12.4 Consolidated loans 9M-26: €67.3bn CA Auto Bank Agos Other entities CAPFM France 2. about -€6 million in Q3 2026 and -€16.5 million over 9M 2026 for the development of the strategic CA Deutschland and CA Savings projects 3. annualised
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CRÉDIT AGRICOLE S.A. 28 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS SFS – LEASING & FACTORING Leasing: production up +4.3% Q3/Q3; in France, driven by renewable energy, which offset the decline in equipment leasing; a slight increase in property leasing; growth internationally, boosted by the integration of Merca Leasing Factoring: volume up +52.6% Q3/Q3, strong growth driven by the ramp-up of several significant contracts compared with Q3 2025; strong growth in France and good performance in Italy and Spain; factored revenues up (+5.2% Q3/Q3), financed outstandings +8.5% Sept./Sept. Revenues driven by the integration of Merca Leasing (1) in the leasing segment and by the rise in interest rates, which favoured factoring, offsetting pressure on margins Expenses up 2.1% excluding the integration of Merca Leasing (1) Cost of risk: increase in S1/S2 provisions (ratings effects); cost of risk/outstandings (2) at 42 bp (+18 bp Q3/Q2) 1. Merca Leasing scope effect: +€6.5 m in revenues; -€2.9 m in expenses; -€0.7 m in cost of risk 2. annualised Leasing outstandings (in €bn) Contribution to earnings (in €m) Q3-26 ∆ Q3/Q3 9M-26 ∆ 9M/9M Revenues 198 +4.7% 583 +4.7% Operating expenses (108) +4.9% (333) +8.9% Gross operating income 89 +4.4% 250 (0.5%) Cost of risk (41) +55.2% (87) +52.4% Income before tax 47 (19.5%) 161 (4.7%) Net income Group Share 35 (17.6%) 125 +7.0% Cost/Income ratio (%) 54.9% +0.1 pp 57.1% +2.2 pp 16,1 16,6 17,1 4,4 4,6 5,1 0,520,5 21,7 22,1 Mars 25 Déc. 25 Mars 26 Merca Leasing International France +8,0% +6,1% +14,9% ∆Mar./Mar. 16.4 17.1 17.2 4.5 5.1 5.1 20.9 22.2 22.3 Sept. 25 Jun. 26 Sept. 26 International France +6.3% +4.6% +12.6% ∆Sept/Sept
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CRÉDIT AGRICOLE S.A. 29 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS RB – LCL Loans outstanding (€bn) Customer assets (€bn) Contribution to earnings (in €m) Q3-26 ∆ Q3/Q3 9M-26 ∆ 9M/9M Revenues 1,149 +16.9% 3,292 +12.7% Operating expenses (695) +9.0% (2,017) +8.4% Gross operating income 454 +31.6% 1,276 +20.1% Cost of risk (128) +39.6% (363) +30.6% Income before tax 327 +28.3% 909 +15.5% Net income Group Share 234 +32.7% 615 +19.8% Cost/Income ratio (%) 60.5% -4.4 pp 61.3% -2.4 pp 1. Equipment rate – Home-Car-Health policies, Legal, All Mobile/Portable or personal accident insurance 2. Milleis scope effect, integration at 30 April 2026: +€36m in revenues; -€35m in expenses 3. “Energies 2030” transformation plan: -€67m over 9M-26 vs -€95m expected in 2026 4. Cost of risk/outstandings (in annualised quarter bp) Customer capture: +75K customers this quarter, driven by growth in digital customer acquisition (around 40% of new business from professional customers was generated via L by LCL Pro) Loans outstanding increased year-on-year, driven by corporates and professionals Loan production down (-4% Q3/Q3); dynamic corporate loans (+10% Q3/Q3); decline in home loans (-13%) in a slowing market, home loan production rate at 3.23% in Q3, stock rate continued to improve at 1.96% (+3 bp Q3/Q2, +13 bp Q3/Q3) Customer assets • Off-balance sheet resources year on year (including Milleis for €11.7 bn): positive net inflows still driven by life insurance • On-balance sheet resources: stable share of sight deposits (37%) and slight decline in time deposits year-on-year (-0.5%) Equipment rate in Home-Car-Health insurance(1): +0.3 pp Sept./Sept. at 28.9% Launch of the 100% digital bank L by LCL for individual customers Revenues(2) at the highest. NII recovery (+18% excluding Milleis); fee and commission income rose (+14%; +8% excluding Milleis) driven by savings, account management and payment instruments Expenses: stable excluding scope effect(2) and the “Energies 2030” transformation plan(3); cost/income ratio at 57.5% excluding the transformation plan in Q3-26 Cost of risk/outstandings(4) up slightly this quarter to 29 bp; stable individual risk on corporates since the start of the year 106.1 107.0 107.1 8.6 8.6 8.5 33.3 34.1 33.8 25.0 25.4 25.6 172.9 175.0 174.9 Sept. 25 June 26 Sept. 26 Home loan Consumer credit Corporate Professionals +2.3% +1.4% (0.8%) +1.0% +1.2% ∆ Sept./Sept. 164.2 167.2 166.3 93.0 110.3 109.4 257.2 277.5 275.6 Sept. 25 June 26 Sept. 26 On-B/S Off-B/S +17.6% +1.3% ∆ Sept./Sept. +7.2%
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CRÉDIT AGRICOLE S.A. 30 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS 65.1 65.3 66.4 56.2 59.1 59.1 121.3 124.4 125.5 Sept. 25 Jun. 26 Sept. 26 On-balance sheet Off-balance sheet * +2.1% +5.1% +3.5% ∆ Sept. / Sept. RB – CA ITALIA Activity/Customer Capture: +47K new customers this quarter including 38% acquired digitally; property and casualty insurance equipment rate at 21% (+0.6 pp Q3/Q3); loan production +17% Q3/Q3 driven by all segments (+26% for corporate loans and +9% for home loans in a competitive market) Loans outstanding: up Sept./Sept. driven by corporate and home loans (overall loan stock rate up +12 bp Q3/Q2), offsetting the decline in professionals and leasing Customer assets: managed savings up, boosted by a positive market effect; on-balance sheet deposits up thanks to dynamic inflow management to support lending growth Revenues: NII up +4.5% Q3/Q3 thanks to improved margins and a positive volume effect; fee and commission income up +4.4% Q3/Q3 for both managed savings and banking commissions Expenses down -3.5% excluding non-recurring items (2) Cost of risk/outstandings (3) up slightly this quarter to 31 bp; strong asset quality; the NPL ratio was stable and the coverage ratio improved during the quarter to 86.0% Net income Group share: up, offsetting the increase in the tax rate (4) in Italy 2. Non-recurring items: +€34m in Q3-25; +€13m in Q3-26 3. Cost of risk/outstandings (in annualised quarter bp) 4. Budget Law: impact of -€13m in Q3-26 and -€36m in 9M-2026 Loans outstanding (€bn) Customer assets (€bn) Contribution to earnings (in €m) Q3-26 ∆ Q3/Q3 9M-26 ∆ 9M/9M Revenues 788 +3.8% 2,387 +3.7% Operating expenses (389) +1.7% (1,186) +1.9% Gross operating income 399 +6.0% 1,201 +5.4% Cost of risk (50) (12.9%) (147) (7.9%) Income before tax 349 +9.5% 1,055 +7.6% Net income Group Share 174 +2.5% 532 +2.3% Cost/Income ratio (%) 49.4% -1.0 pp 49.7% -0.8 pp 31.4 31.7 32.3 7.5 7.4 7.3 20.0 21.4 21.4 3.2 3.1 3.1 62.1 63.6 64.1 Sept. 25 Jun. 26 Sept. 26 Retail customer loans SMEs and professionnals Large corporates Leasing & Others +3.2% +2.8% -2.8% +6.8% -0.7% ∆ Sept./ Sept.
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CRÉDIT AGRICOLE S.A. 31 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS 7.5 8.0 8.1 Sept. 25 June. 26 Sept. 26 Loans outstanding +12.2% at constant FX rate +9.0% 10.6 11.7 11.3 1.1 1.3 1.3 11.8 13.0 12.6 Sept. 25 June. 26 Sept. 26 On-balance sheet Off-balance sheet +10.7% at constant FX rate +7.3% RB – OTHER IRB CA Poland: Net income Group share down, impacted by a non-recurring item on NII in Q3-26 and the increase in the tax rate(1); the cost of risk fell sharply (-47% Q3/Q3) thanks to the reversal of provisions relating to corporates and decreased cost of risk in CHF. CA Egypt: Net income Group share +28% Q3/Q3 thanks to revenue growth, driven by NII (positive volume effects) and an improved cost of risk CA Ukraine: Net income Group share -40% in line with the increased cost of risk and corporate income tax rate (2) Loans outstanding Poland. Egypt. Ukraine (€bn) Customer assets Poland. Egypt. Ukraine (€bn) Contribution to earnings (in €m) Q3-26 ∆ Q3/Q3 9M-26 ∆ 9M/9M Revenues 212 (10.8%) 700 (3.6%) Operating expenses (122) +0.4% (373) (0.5%) Gross operating income 90 (22.4%) 327 (6.9%) Cost of risk (13) (32.0%) (42) (4.6%) Income before tax 78 (20.7%) 284 (7.3%) Net income Group Share 37 (41.3%) 143 (27.1%) Cost/Income ratio (%) 57.4% +6.4 pp 53.3% +1.7 pp 1. Poland: 2026 tax rate at 30% vs 19% in 2025 2. Ukraine: 2026 tax rate at 50% vs 25% in 2025 CA Poland: +54K new customers this quarter; loan production up +36% Q3/Q3, driven by consumer finance and home loans; outstanding loans up +7.6% Sept./Sept. across all segments; on- and off-balance sheet deposits up +8.1% CA Egypt: good commercial momentum across all markets; outstanding loans up +20% Sept./Sept.; customer assets up +21% Sept./Sept. CA Ukraine: loan production up +27% Q3/Q3 across all segments; loans outstanding up +39% Sept./Sept.; customer assets up +11% (increase in UAH deposits). Liquidity: net deposits/loans surplus +€3.5bn as of 30th September 2026 All Q3/Q3 and Sept./Sept. changes are expressed at constant exchange rates
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CRÉDIT AGRICOLE S.A. 32 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS CORPORATE CENTRE Structural net income Group share: • Foncaris: -€25m Q3/Q3 (€34m in cost of risk) due to the strengthening of overlays on certain portfolios and rating effects • Banco BPM: contribution of +€106m in Q3 (+€16m Q3/Q3), impacted by the increase in the stake to 29.3%, Banco BPM’s performance and the inclusion of PPA(1) amortisation with a Q1 and Q2 catch-up effect of -€60m Stake in Banco BPM increased to 29.6% in October (150)(140) (185) (101) (141) (4) 346 41 -154 -106 -179 -101 -100 Q3-26Q2-26Q1-26Q4-25Q3-25 RNPG structurel Other elements RNPG Contribution to earnings (in €m) Q3-26 ∆ Q3/Q3 9M-26 ∆ 9M/9M Revenues (253) (24) (760) +79 Operating expenses (40) (6) (112) +28 Gross operating income (293) (30) (872) +107 Cost of risk (43) (45) (59) (17) Equity-accounted entities 90 +20 264 (3) Net income Group share (154) (54) (439) +25 Of which structural net income : (150) (9) (475) +20 - Balance sheet & holding Crédit Agricole S.A. (225) +6 (757) +74 - Other activities (CACIF, CA Immobilier, BforBank, CATE, equi investments) 73 (10) 270 (42) - Support functions (CAPS, CAGIP, SCI) 2 (4) 13 (12) Of which other elements of the division (4) (45) 36 +5 1. -€20m per quarter until 2029 with respect of our stake of up to 19.8%. An additional PPA will be amortised from 2027 onwards, in line with the increase in our stake in Banco BPM beyond 19.8%
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33 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Crédit Agricole Group Regional Banks
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CRÉDIT AGRICOLE GROUP 34 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Loans outstanding (€bn) Customer assets (€bn) REGIONAL BANKS Customers: +317K new customers over the quarter, increase in the share of digital customers Loans: loans outstanding and market share (1) up; a slight decrease in loan production (-0.8% Q3/Q3), with home loans down (-1.3%) in a slowing market; home loan production rate at 3.20% (2); stock rate of all loans +19 bp year-on-year Customer assets off-balance sheet deposits driven by life insurance; on-balance sheet deposits up, driven by term deposits (+7.3% Q3/Q3), passbook accounts (+1.5%) and sight deposits (+1.2%); on-balance sheet deposits market share stable year-on-year (3) Equipment rate (4): property and casualty insurance 45.1% (+0.5 pp vs Sept. 2025) Payment instruments: number of cards +3.2% year-on-year; 21.7% premium cards in the stock (+3.1 pp year on year) 3. Source: BdF, on-balance sheet deposit market share 20.4% at end-July 2026 (-0.1 pp vs July 2025) 4. Equipment rate – Home-Car-Health policies, Legal, All Mobile/Portable or personal accident insurance 5. Cost of risk/outstandings (in annualised quarter bp) 1. Source: BdF, total loan market share 23% at end-July 2026 (+0.3 pp vs July 2025) 2. Average production rate from July to August 2026 Revenues: sharp increase in the net interest income (+41% Q3/Q3); fee and commission income up Expenses: increase linked to employee expenses Cost of risk/outstandings (5) up slightly to 25 bp; S1/S2 prudential provisioning on certain portfolios 609 614 615 322 343 343 932 957 958 Sept. 25 Jun. 26 Sept. 26 On-balance sheet assets Off-balance sheet +2,9% ∆ Sept./Sept. +6,5% +1,0% 396 402 403 25 26 26 234 238 239 654 665 668 Sept. 25 Jun. 26 Sept. 26 SMEs-Small business.-Farm.-Local auth. Consumer credit Home loans +2,1% ∆ Sept./Sept. +4,4% +2,0% +2,1% Regional Banks' consolidated results (in €m) Q3-26 ∆ Q3/Q3 9M-26 ∆ 9M/9M Revenues 3,930 +15.5% 13,767 +12.2% Operating expenses (2,511) +4.0% (7,808) +2.8% Gross operating income 1,419 +43.4% 5,959 +27.4% Cost of risk (420) +12.5% (1,221) +12.1% Income before tax 1,002 +62.7% 4,783 +32.1% Net income Group Share 745 +63.9% 4,095 +28.9% Cost/Income ratio (%) 63.9% -7.0 pp 56.7% -5.2 pp
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35 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Appendices Earnings/Profitability
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS36 SCOPE EFFECTS AND INTEGRATION COSTS APPENDICES m€ Q3-26 Q3-25 Revenues 66 Milleis Scope effect of Milleis 36 Insurance Scope effect of Abanca and Piu Vera Assicurazioni and Piu Vera Protezione 15 IWM Scope effect of Banque Thaler, BNPP Monaco portfolio 9 CAL&F Scope effect of Merca Leasing 7 Operating expenses -57 -30 LCL Scope effect of Milleis -35 LCL Integration cost of Milleis -4 Insurance Scope effect of Abanca and Piu Vera Assicurazioni and Piu Vera Protezione -6 IWM Scope effect of Banque Thaler, BNPP Monaco portfolio -6 IWM Integration cost of Degroof Petercam -4 -23 CACEIS Integration cost of ISB -7 CAL&F Scope effect of Merca Leasing -3 Equity-accounted entities 13 0 Amundi Scope effect of ICG 13 Net income on other assets 349 0 Amundi Capital gain related to SBI FM IPO 349 Non controlling interests 0 79 CACEIS Buyback of Santander minority interests 79 Scope effects and integration costs explaining the variations between Q3-26 and Q3-25 * Net income Group share impact of €205m *
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS37 P&L 2025 – PRO FORMA BANCO BPM Pro forma 2025 Inclusion of Banco BPM contribution in the equity accounted method based on hypothetical stake of 20.1% ownership Cancellation of fair value adjustments and associated derivatives as well as dividends recognised under the equity investmentin Banco BPM and equity accounted result of Banco BPM between 11th and 31st December 2025 APPENDICES P&L Stated P&L Proforma Delta Q1-25 Q2-25 Q3-25 Q4-25 Q1-25 Q2-25 Q3-25 Q4-25 Q1-25 Q2-25 Q3-25 Q4-25 Revenues 7,256 7,006 6,850 6,966 6,935 6,836 6,598 6,876 -322 -170 -252 -90 28,079 27,245 (834) Expenses -3,991 -3,700 -3,837 -4,100 -3,991 -3,700 -3,837 -4,100 0 0 0 0 (15,628) (15,628) – Gross operating income 3,266 3,306 3,013 2,867 2,944 3,136 2,761 2,777 -322 -170 -252 -90 12,451 11,617 (834) Cost of risk -413 -441 -489 -629 -413 -441 -489 -629 0 0 0 0 (1,973) (1,973) – Equity-accounted entities 47 30 29 -633 149 172 119 46 103 141 91 679 (527) 486 1,014 Net income on other assets 1 455 1 -5 1 455 1 -5 0 0 0 0 452 452 – Income before tax 2,900 3,350 2,553 1,599 2,681 3,321 2,392 2,188 -219 -28 -161 589 10,402 10,583 180 Tax -827 -541 -606 -376 -786 -574 -593 -378 41 -33 13 -2 (2,349) (2,330) 19 Net income 2,073 2,809 1,947 1,223 1,895 2,748 1,799 1,811 -178 -62 -148 587 8,053 8,253 199 Non controlling interests -249 -420 -111 -199 -249 -420 -111 -199 0 0 0 0 (979) (979) - Net Income Group share 1,824 2,390 1,836 1,025 1,646 2,328 1,688 1,612 -178 -62 -148 587 7,074 7,274 199 Cost/Income 55.0% 52.8% 56.0% 58.9% 57.6% 54.1% 58.2% 59.6% 2.6% 1.3% 2.1% 0.8% 55.7% 57.4% ROTE YtD 15.5% 16.1% 15.4% 13.5% 14.1% 15.2% 14.4% 13.9% -1.4% -0.9% -1.0% 0.4% 13.5% 13.9% 2025 P&L P&L Proforma Delta
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS38 Q3-26 RESULTS APPENDICES (1) Q3-25 is expressed on a pro forma basis (Banco BPM equity-accounted at 20.1%) NB: this table presents the main income statement items and is not exhaustive (1) Q3-26 €m AG Ins. Asset Mgt. Wealth Mgt. LC CIB Asset servicing SFS CAPFM CAL&F FRB IRB IRB others CA Italia Corp. center Total Revenues 2,026 704 890 433 2,297 1,748 549 874 676 198 1,149 1,000 212 788 (253) 7,092 Operating expenses (902) (100) (465) (336) (1,308) (947) (361) (472) (364) (108) (695) (511) (122) (389) (40) (3,928) Gross operationg result 1,124 604 424 96 989 801 188 401 312 89 454 489 90 399 (293) 3,164 Cost of risk (7) 0 (2) (5) (50) (48) (2) (295) (254) (41) (128) (63) (13) (50) (43) (585) Equity-accounted entities 70 - 70 - 0 (0) 0 (56) (55) - - - - - 90 105 Tax (298) (110) (171) (17) (264) (216) (48) (19) (7) (13) (81) (154) (30) (124) 111 (706) Net income 1,238 494 670 74 676 539 138 30 (4) 35 245 272 48 225 (141) 2,321 Non controling interests (214) (2) (201) (11) (10) (10) (0) (21) (21) (0) (11) (62) (11) (51) (13) (330) Net income Group Share 1,024 492 469 63 666 528 138 9 (25) 35 234 211 37 174 (154) 1,991 Q3-25 m€ AG Ins. Asset Mgt. Wealth Mgt. LC CIB Asset servicing SFS CAPFM CAL&F FRB IRB IRB others CA Italia Corp. center Total Revenues 1,866 675 797 394 2,099 1,582 516 883 695 189 982 997 238 759 (229) 6,598 Operating expenses (969) (103) (530) (336) (1,246) (887) (359) (447) (344) (103) (638) (504) (122) (383) (34) (3,837) Gross operationg result 897 572 267 58 853 696 157 436 351 85 345 493 117 376 (263) 2,761 Cost of risk (9) (0) (1) (7) (37) (29) (8) (278) (252) (26) (92) (76) (19) (57) 2 (489) Equity-accounted entities 52 - 52 - 7 0 7 (9) (7) - - - - - 70 119 Tax (192) (107) (77) (9) (269) (231) (38) (31) (14) (17) (70) (126) (26) (99) 95 (593) Net income 747 465 241 42 553 435 118 119 77 42 185 291 71 219 (96) 1,799 Non controling interests (88) 0 (81) (7) 69 (10) 79 (22) (22) (0) (8) (58) (9) (49) (4) (111) Net income Group Share 660 465 160 35 622 425 197 97 55 42 177 232 63 170 (100) 1,688
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS39 9M-26 RESULTS APPENDICES (1) 9M-25 is expressed on a pro forma basis (Banco BPM equity-accounted at 20.1%) NB: this table presents the main income statement items and is not exhaustive (1) 9M-26 €m AG Ins. Asset Mgt. Wealth Mgt. LC CIB Asset servicing SFS CAPFM CAL&F FRB IRB IRB others CA Italia Corp. center Total Revenues 6,193 2,270 2,617 1,306 6,998 5,340 1,658 2,638 2,055 583 3,292 3,087 700 2,387 (760) 21,449 Operating expenses (2,742) (323) (1,399) (1,020) (3,915) (2,860) (1,055) (1,434) (1,101) (333) (2,017) (1,560) (373) (1,186) (112) (11,779) Gross operationg result 3,452 1,947 1,218 286 3,083 2,480 603 1,204 954 250 1,276 1,528 327 1,201 (872) 9,670 Cost of risk (27) (0) (6) (20) (116) (85) (31) (845) (758) (87) (363) (189) (42) (147) (59) (1,598) Equity-accounted entities 296 - 296 - 17 - 17 (77) (76) - - - - - 264 500 Tax (1,003) (497) (446) (60) (799) (653) (146) (81) (45) (36) (266) (480) (112) (368) 259 (2,369) Net income 3,066 1,450 1,410 205 2,182 1,739 443 197 72 125 644 859 173 687 (415) 6,534 Non controling interests (477) (7) (438) (31) (36) (36) (0) (66) (66) (0) (29) (184) (30) (154) (24) (816) Net income Group Share 2,589 1,443 972 174 2,146 1,703 443 132 7 125 615 675 143 532 (439) 5,718 9M-25 m€ AG Ins. Asset Mgt. Wealth Mgt. LC CIB Asset servicing SFS CAPFM CAL&F FRB IRB IRB others CA Italia Corp. center Total Revenues 5,894 2,192 2,460 1,242 6,731 5,174 1,557 2,632 2,075 557 2,922 3,030 726 2,303 (839) 20,369 Operating expenses (2,768) (285) (1,455) (1,028) (3,862) (2,774) (1,089) (1,359) (1,053) (306) (1,860) (1,539) (375) (1,164) (140) (11,528) Gross operationg result 3,126 1,907 1,005 214 2,868 2,400 468 1,273 1,022 251 1,062 1,490 351 1,139 (979) 8,841 Cost of risk (26) (1) (7) (18) (32) (25) (7) (762) (705) (57) (278) (204) (45) (159) (43) (1,344) Equity-accounted entities 137 - 137 - 22 3 20 14 39 - - - - - 267 440 Tax (794) (440) (316) (38) (723) (607) (116) (102) (50) (52) (250) (392) (83) (309) 308 (1,953) Net income 2,895 1,466 1,271 158 2,136 1,771 365 424 307 117 537 895 224 671 (447) 6,442 Non controling interests (456) (5) (421) (29) (40) (40) (0) (64) (64) (0) (24) (179) (28) (151) (17) (780) Net income Group Share 2,440 1,461 850 129 2,097 1,732 365 360 243 117 513 716 196 520 (464) 5,662
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CRÉDIT AGRICOLE S.A. 40 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS A STABLE, DIVERSIFIED AND PROFITABLE BUSINESS MODEL APPENDICES Revenues 9M-2026 by business line (excluding Corporate Centre) (%) Net income Group share 9M-2026 by business line (excluding Corporate Centre) (%) Insurance 10% Asset Mngt 12% Wealth Mngt 6% LCL 15% CA Italia 11%Other IRB 3% Consumer finance 9% Leasing & Factoring 3% CIB 24% Asset servicing 7% Revenues excl. CC 9M-26: €22.2bn Retail banking 29% Spec. fin. serv. 12% Large customers 32% Asset gathering 28% Assurances 23% Gestion d'actifs 16% Gestion de fortune 3%LCL 10% CA Italie 9% Autres BPI 2% BFI 28% SFI 7% Gestion d'épargne & assur. 42% Serv. fin. spécialisés 2% Grandes clientèles 35% Résultat net PdG hors AHM 9M-26 : 6.2 Mds€ Banque de proximité 21%
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CRÉDIT AGRICOLE S.A. 41 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS €bn Sept. 2026 June 2026 Sept. 2025 Sept. 2026 June 2026 Sept. 2025 Asset gathering 54.9 55.7 53.6 16.4 14.9 14.3 - Insurance 25.4 25.6 25.3 13.2 11.6 11.2 - Asset management 21.0 21.1 20.2 2.3 2.3 2.2 - Wealth Management 8.5 9.0 8.1 0.9 1.0 0.9 French Retail Banking (LCL) 59.8 59.8 56.7 6.6 6.6 6.2 International retail Banking 52.9 53.0 44.7 5.8 5.8 4.9 - CA Italia 41.6 41.7 34.2 4.6 4.6 3.8 - Other IRB 11.3 11.4 10.5 1.2 1.3 1.2 Specialised financial services 80.7 81.8 80.7 8.9 9.0 8.9 Large customers 145.2 143.5 137.7 16.0 15.8 15.1 - Financing activities 85.2 82.0 77.9 9.4 9.0 8.6 - Capital markets and investment banking 48.1 49.3 48.0 5.3 5.4 5.3 - Asset servicing 11.9 12.2 11.8 1.3 1.3 1.3 Corporate Centre 40.6 40.9 40.2 TOTAL 434.2 434.8 413.6 53.7 52.1 49.5 Risk-weighted assets Capital RWA AND ALLOCATED CAPITAL BY BUSINESS LINE APPENDICES (1) Insurance; 6% Asset Mngt; 5% Wealth Mngt 2% LCL; 14% CA Italia; 9% Pther IRB; 3% Consumer finance; 14% Leasing & Factoring; 4% CIB; 31% Asset servici ng; 3% Corporate centre; 9% Retail banking €112.7bn 26% Asset gathering €54.9bn 13% RWA end-Sept. 2026: €434.2bn Large customers €145.2bn 33% Spec. fin. serv. €80.7bn 19% Insurance; 25% Asset Mngt; 4% Wealth Mngt; 2%LCL; 12% CA Italia; 9% Pther IRB; 2% Consumer finance; 13% Leasing & Factoring; 4% CIB; 27% Asset servicing; 2% Retail banking €12.4bn 23% Asset gathering €16.4bn 31% Total allocated capital end-Sept. 2026: €53.7bn Large customers €16bn 30% Spec. fin. serv. €8.9bn 17% (1) Methodology: 11% allocation of RWAs for each business line; Insurance: 80% of Solvency 2 capital requirements
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS42 Breakdown of share capital Number of shares % Number of shares % Number of shares % SAS Rue La Boétie 1,921,090,370 62.8% 1,921,090,370 63.5% 1,921,090,370 63.0% Treasury shares 32,615,216 1.1% 394,529 0.0% 737,829 0.0% Employees (company investment fund, ESOP) 223,632,943 7.3% 198,299,902 6.6% 205,274,860 6.7% Float 880,563,816 28.8% 906,117,549 29.9% 921,685,482 30.2% Total shares in issue (period end) 3,057,902,345 3,025,902,350 3,048,788,541 Total shares in issue, excluding treasury shares (period end) 3,025,287,129 3,025,507,821 3,048,050,712 Total shares in issue, excluding treasury shares (average number) 3,024,640,574 3,027,231,491 3,027,894,146 30/09/2026 31/12/2025 30/09/2025 1. Excluded in the calculation of the earning per share; taking into consideration, as of 30th September 2026, the share buyback programme involving 31,999,995 Crédit Agricole S.A. ordinary shares acquired between 10th August and 23rd September 2026. The 31,999,995 ordinary shares were cancelled on 6th October 2026. DISTRIBUTION OF SHARE CAPITAL AND NUMBER OF SHARES APPENDICES (1)
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CRÉDIT AGRICOLE S.A. 43 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS (€m) Q3-2026 Q3-2025 9M-26 9M-25 Net income Group share 1,991 1,836 5,718 6,050 - Interests on AT1, including issuance costs, before tax (118) (139) (376) (409) - Foreign exchange impact on reimbursed AT1 () 53 3 56 NIGS attributable to ordinary shares [A] 1,873 1,750 5,345 5,697 Average number shares in issue, excluding treasury shares (m) [B] 3,024 3,037 3,025 3,028 Net earnings per share [A]/[B] 0.62 € 0.58 € 1.77 € 1.88 € (€m) 30/09/2026 30/09/2025 Shareholder's equity Group share 79,818 77,698 - AT1 issuances (8,770) (8,564) - Unrealised gains and losses on OCI - Group share 3,468 2,871 Net book value (NBV), not revaluated, attributable to ordin. sh. [D] 74,516 72,005 - Goodwill & intangibles - Group share (**) (20,846) (19,257) Tangible NBV (TNBV), not revaluated attrib. to ordinary sh. [E] 53,671 52,748 Total shares in issue, excluding treasury shares (period end, m) [F] 3,025 3,048 NBV per share , after deduction of dividend to pay (€) [D]/[F] 24.6 € 23.6 € TNBV per share, after deduction of dividend to pay (€) [G]=[E]/[F] 17.7 € 17.3 € ** including goodwill in the equity-accounted entities (€m) 9M-26 9M-25 Net income Group share [K] 5,718 6,050 NIGS annualised [N] 7,637 8,045 Interests on AT1, including issuance costs, before tax, foreign exchange impact, annualised [O] -498 -489 Result adjusted [P] = [N]+[O] 7,139 7,556 Tangible NBV (TNBV), not revaluated attrib. to ord. sh. - avg (1) [J] 50,436 49,167 Stated ROTE adjusted (%) = [P] / [J] 14.2% 15.4% (1) Average of the NTBV not revalued attributable to ordinary shares, calculated between 31/12/2025 and 30/09/2026 (line [E]). Average shareholders’ equity Group share restated for intangibles, unrealised gains and/or losses, stock of AT1 debt and proposed dividend distribution on current earnings. (2) ROTE calculated on the basis of restated tangible equity of all unrealised gains and/or losses (3) ROTE proforma Banco BPM stands at 14.4% for 9M-25, see slide 37 for details DATA PER SHARE APPENDICES (2) (3)
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44 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Appendices Economic scenario
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45 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS 4 5 6 7 8 9 10 11 12 13 14 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 France Italy Euro zone % of labour force forecast Sources: Eurostat, Crédit Agricole SA/ECO. Forecasts on 2nd October 2026 IMF (July 2026): +0.6% in 2026, +0.9% in 2027 European Commission (May 2026): +0.8% in 2026, +1.1% in 2027 OECD (September 2026): +0.4% in 2026, +0.7% in 2027 Banque de France (September 2026): +0.4% in 2026, +0.9% in 2027 Sources: Eurostat, Crédit Agricole SA/ECO. Forecasts on 2nd October 2026 Provisioning of performing loans: use of alternative scenarios in addition to the central scenario (April 2026) Central scenario: French GDP +0.9% in 2026 and +0.9% in 2027 Unfavourable scenario: French GDP +0.3% in 2026 and -0.6% in 2027 Severely adverse scenario: French GDP -1.2% in 2026 and -1.5% in 2027 RESILIENCE PUT TO THE TEST APPENDICES France, ItaIy, Eurozone – GDP Growth France, Italy, Eurozone – Average annual inflation France, ItaIy, Eurozone – Unemployment rate France – institutional forecasts (GDP France) Sources: Eurostat, Crédit Agricole SA/ECO. Forecasts at 2 October 2026 % 6,8 2,8 1,9 1,4 0,9 0,6 0,8 8,8 5,0 1,0 0,6 0,7 0,5 0,6 6,4 3,7 0,6 0,9 1,5 0,2 0,9 2021 2022 2023 2024 2025 2026 2027 France Italie Zone euro % 2,1 5,9 5,7 2,3 0,9 2,4 2,41,9 8,7 6,0 1,1 1,6 3,1 2,42,6 8,4 5,5 2,4 2,1 3,0 3,0 2021 2022 2023 2024 2025 2026 2027 France Italie Zone euro -7,6 6,8 2,8 1,8 1,4 0,9 0,4 0,7 -9,0 5,0 1,0 0,6 0,7 0,9 0,5 -6,1 6,4 3,7 0,5 1,1 1,3 1,0 1,1 France Italie Zone euro % 6,8 2,8 1,8 1,4 0,9 0,4 0,7 8,8 5,0 1,0 0,6 0,7 0,9 0,5 6,4 3,7 0,5 1,1 1,3 1,0 1,1 2021 2022 2023 2024 2025 2026 2027 France Italy Euro zone %
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46 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Equities (quarterly averages) EuroStoxx 50: spot -0.9% Q3/Q2; average +6.1% Q3/Q2 (+18.3% Q3/Q3) Interest rates (month-end) 10-year OAT: +119 bp over the quarter and +131 bp vs Sept-25 Spread at end-Sept. 26: ▪ OAT/Bund: 187 bp (+119 bp vs. June-26 and +106 bp vs Sept-25) ▪ BTP/Bund: 164 bp (+102 bp vs. June-26; +80 bp vs Sept-25) Foreign exchange (month-end) EUR/USD: -0.8% vs June-26 and -3.4% vs Sept-25 Sources: LSEG Datastream, Crédit Agricole SA/ECO. Data on 12th October 2026 UPWARD PRESSURE ON INTEREST RATES APPENDICES Interest rates. in euros (%) Equity indexes (base 100 = 31/12/2021) France ‒ Household and corporate leaders’ confidence Sources: LSEG Datastream, Crédit Agricole SA/ECO. Data on 12th October 2026 Sources: Insee, Crédit Agricole SA/ECO. Data on 30th September 2026 -1 0 1 2 3 4 EURIBOR 3M OAT 10Y BUND 10Y % 60 80 100 120 140 CAC40 CAC40 (quarterly avg.) EURO STOXX 50 -1 0 1 2 3 4 EURIBOR 3M OAT 10Y BUND 10Y % 60 80 100 120 140 CAC40 CAC40 (quarterly avg.) EURO STOXX 50 60 80 100 120 140 160 CAC40 CAC40 (quarterly avg.) EURO STOXX 50 50 60 70 80 90 100 110 120 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Household confidence Business sentiment LT average
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47 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Appendices Risk Indicators
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CRÉDIT AGRICOLE GROUP CRÉDIT AGRICOLE S.A. 48 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS 311 366 348 164 272 40 34 57 212 115 25 -21 3 11 33376 379 408 387 420 23 23 25 23 25 -30 -20 -10 - 10 20 30 -50 50 150 250 350 450 550 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 S3 CoR S1&S2 CoR Others CoR/oustandings annualised 50 66 52 27 38 3 12 -1 21 12 4 35 2 -4 0 57 113 52 44 50 37 72 33 28 31 -35 -15 5 25 45 65 -15 5 25 45 65 85 105 125 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 S3 CoR S1&S2 CoR Others CoR/oustandings annualised 23 44 21 24 27 4 -13 3 1 13 -1 0 0 -2 1 29 35 24 24 42 26 31 23 23 41 -120 -90 -60 -30 - 30 60 -20 30 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 S3 CoR S1&S2 CoR Others CoR/oustandings annualised 236 225 211 270 275 -5 20 26 -22 -24 21 37 18 1 3252 283 254 249 254 144 163 148 145 145 - 50 100 150 -35 15 65 115 165 215 265 315 365 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 S3 CoR S1&S2 CoR Others CoR/oustandings annualised 86 162 129 126 117 7 -35 -15 -5 15 -2 5 -1 1 -4 92 132 112 123 128 21 30 26 28 29 -100 -80 -60 -40 -20 - 20 40 -35 15 65 115 165 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 S3 CoR S1&S2 CoR Others CoR/oustandings annualised (*) Cost of risk/outstandings (in bp, 4 rolling quarters) at 10 bp for Financing activities, 150 bp for CAPFM, 28 bp for LCL, 41 bp for CA Italia, 31 bp for CAL&F and 24 bp for the RBs. Coverage ratios are calculated based on loans and receivables due from customers in default. CoR: +0.8% Q3/Q3; CoR/outstandings: 145 bp NPL ratio: 5.1%; Coverage ratio: 69.1% CoR/outstandings: 16 bp NPL ratio: 2.0%; Coverage ratio: 64.9% CoR: +11.8% Q3/Q3; CoR/outstandings: 25 bp NPL ratio: 2.2%; Coverage ratio: 90.9% CoR: +39.6% Q3/Q3; CoR/outstandings: 29 bp NPL ratio: 2.4%; Coverage ratio: 57.8% CoR: -12.9% Q3/Q3; CoR / outstandings: 31 bp NPL ratio: 2.6%; Coverage ratio: 85.9% CAPFMCACIB – Financing activities CA Italia Regional Banks COST OF RISK APPENDICES CAL&F CoR: +55.2 Q3/Q3; CoR/outstandings: 42 bp NPL ratio: 2.9%; Coverage ratio: 50.0% LCL 57 -14 3 230 8-18 86 13 -232 58 -12 4 -5 1 27 76 15 -7 67 7 20 4 -2 16 -110 -90 -70 -50 -30 -10 10 -350 -250 -150 -50 50 150 250 350 450 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 S3 CoR S1&S2 CoR Others CoR/oustandings annualised
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CRÉDIT AGRICOLE GROUP CRÉDIT AGRICOLE S.A. 49 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS RISK INDICATORS APPENDICES Change in loans outstanding €m Sept. 25 Dec. 25 March 26 June 26 Sept. 26 Gross customer loans outstanding 1,218,838 1,231,954 1,244,967 1,262,941 1,270,030 of which: impaired loans 26,330 27,045 27,349 29,012 29,420 Loans loss reserves (incl. collective reserves) 21,868 22,230 22,593 22,751 23,209 of which: loans loss reserves for Stage 1 & 2 outstandings 9,080 9,145 9,324 9,329 9,521 of which: loans loss reserves for Stage 3 outstandings 12,788 13,084 13,269 13,422 13,688 Impaired loans ratio 2.2% 2.2% 2.2% 2.3% 2.3% Coverage ratio (excl. collective reserves) 48.6% 48.4% 48.5% 46.3% 46.5% Coverage ratio (incl. collective reserves) 83.1% 82.2% 82.6% 78.4% 78.9% €m Sept. 25 Dec. 25 March 26 June 26 Sept. 26 Gross customer loans outstanding 559,849 568,845 579,156 593,437 597,666 of which: impaired loans 13,014 13,441 13,402 14,809 14,809 Loans loss reserves (incl. collective reserves) 9,465 9,610 9,727 9,713 9,916 of which: loans loss reserves for Stage 1 & 2 outstandings 3,292 3,301 3,422 3,210 3,274 of which: loans loss reserves for Stage 3 outstandings 6,172 6,310 6,305 6,503 6,642 Impaired loans ratio 2.3% 2.4% 2.3% 2.5% 2.5% Coverage ratio (excl. collective reserves) 47.4% 46.9% 47.0% 43.9% 44.9% Coverage ratio (incl. collective reserves) 72.7% 71.5% 72.6% 65.6% 67.0% Crédit Agricole Group - Evolution of credit risk outstandings Crédit Agricole S.A. - Evolution of credit risk outstandings
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CRÉDIT AGRICOLE S.A. 50 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Corporates 46% Home loans 24% Consumer finance 13% Small businesses 6% Leasing 6% Private Banking 4% Other 1% (1) Gross customer loans outstanding, credit institutions excluded DIVERSIFIED LOAN BOOK APPENDICES Home loans €147bn Corporates €275bn Consumer finance €78bn Small businesses €34bn o/w LCL (€26bn) and IRB (€8bn) Gross customer loans outstanding(1) of Crédit Agricole S.A. (as of 30th September 2026) o/w CACIB (€201bn), LCL (€34bn), IRB (€25bn) and CACEIS (€15bn) o/w LCL (€108bn) and IRB (€39bn) o/w CAPFM (€69bn) and LCL (€9bn)€597.7bn
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CRÉDIT AGRICOLE S.A. 51 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS BREAKDOWN OF COMMERCIAL LENDING AT 30 SEPTEMBER 2026 (€1,267BN) APPENDICES → Middle East – end of September 2026: €22.8bn(1) → o/w 90%: Kingdom of Saudi Arabia, United Arab Emirates and Qatar → Mainly sovereign and state-owned exposures → Commercial Real Estate – end of June 2026: €34.7bn / 2.7% → o/w 71.7% CACIB, 14.8% LCL and 3.7% CA Italia → 86%: Investment Grade exposures; 75%: exposures with LTV<60% → Default rate: 1.8% → Datacenters – end of August 2026: €7.5bn / 0.6% → LBO exposures – end of June 2026: ~€7.9bn / ~0.6% → Private debt funds – end of August 2026: ~€3.2bn / ~0.3% Commercial lending of Crédit Agricole S.A. (100% of on-balance sheet and off-balance sheet commitments, including bank counterparties outside the Group) stood at €1,267bn at the end of September 2026, compared with €1,242bn at the end of June 2026. (1) Commercial lending net of protections received By business sector €bn % Non-merchant service / Public sector / Local authorities 301.7 23.8% Retail banking 301.4 23.8% Other non banking financial activities 73.8 5.8% Power 65.4 5.2% Others 48.8 3.8% Automotive 46.6 3.7% Oil & Gas 43.1 3.4% Real estate 41.3 3.3% Heavy industry 35.2 2.8% IT / computing 31.8 2.5% Other industries 30.9 2.4% Food 30.5 2.4% Telecom 30.0 2.4% Retail and consumer goods 26.9 2.1% Aerospace 24.7 2.0% Banks 24.6 1.9% Construction 22.5 1.8% Shipping 21.7 1.7% Other transport 21.5 1.7% Insurance 19.6 1.5% Healthcare / pharmaceuticals 14.7 1.2% Tourism / hotels / restaurants 10.1 0.8% Not allocated 0.2 0.0% Total 1,267 100.0% Sept. 26 By geographic region €bn % France (excl. retail banking) 397.6 31% Western Europe (excl. Italy) 184.5 15% Italy 183.4 14% France (retail banking) 180.0 14% North America 105.8 8% Asia and Oceania excl. Japan 64.4 5% Japan 63.1 5% Africa and Middle-East 38.4 3% Eastern Europe 26.9 2% Central and South America 22.0 2% Not allocated 0.8 0% Total 1,267 100% Sept. 26
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CRÉDIT AGRICOLE S.A. 52 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS (1) Exposure at default is a regulatory definition used in Pillar 3. It corresponds to the exposure at default after integration of risk reduction factors. It includes exposures to balance sheet assets and part of the off-balance sheet commitments after application of the credit conversion factor (2) It is specified that the sector segments shown in the chart above correspond to the internal credit risk monitoring categories, which are based on the main economic activity prior to taking into account any potential risk transfers. As a result, these sector segments may differ from the regulatory business sector classification. (3) Internal rating equivalent → 73.2% of Corporate exposures are Investment Grade(3) → SME exposures of €30.5bn at 30/09/2026 WELL-BALANCED CORPORATE PORTFOLIO APPENDICES Crédit Agricole S.A.: €416bn of EAD (1) (2) Corporate at 30/09/2026 0.1% 0.2% 0.6% 0.7% 0.7% 0.8% 1.9% 2.3% 2.5% 2.7% 3.0% 3.5% 3.8% 3.9% 4.2% 4.2% 4.9% 5.0% 5.0% 5.7% 5.8% 6.1% 8.2% 9.6% 14.2% BANKS (1 Bn) NON TRADING SERVICES / LOCAL AUTHORITIES (1 Bn) MEDIA / PUBLISHING (3 Bn) UTILITIES (3 Bn) WOOD / PAPER / PACKAGING (3 Bn) ENERGY (excl. O&G / Com traders et Electricity) (3 Bn) TOURISM / HOTELS / RESTAURATION (8 Bn) CONSTRUCTION (10 Bn) HEALTHCARE / PHARMACEUTILCALS (10 Bn) OTHER INDUSTRIES (11 Bn) INSURANCE (12 Bn) OTHER TRANSPORTS (15 Bn) SHIPPING (16 Bn) AIR / SPACE (16 Bn) IT / TECHNOLOGY (18 Bn) RETAIL / CONSUMER GOODS INDUSTRIES (18 Bn) OIL & GAS incl. commodity traders (20 Bn) TELECOM (21 Bn) HEAVY INDUSTRIES (21 Bn) AGRICULTURE AND FOOD PROCESSING (24 Bn) AUTOMOTIVE (24 Bn) OTHER (25 Bn) REAL ESTATE (34 Bn) ELECRICITY (40 Bn) OTHER (NON BANKING) FINANCIAL ACTIVITIES (59 Bn)
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CRÉDIT AGRICOLE S.A. 53 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS • The VaR (99% – 1 day) of Crédit Agricole S.A. is measured by taking account of the effects of diversification among the various Group entities. • VaR (99% – 1 day) on 30th September 2026: €8m for Crédit Agricole S.A. RISK INDICATORS APPENDICES VaR – Market risk exposures * Gains on risk factor diversification in m€ Minimum Maximum Average Fixed income 5 8 6 5 6 Credit 4 7 5 5 3 Foreign Exchange 3 6 4 4 7 Equities 3 6 4 6 5 Commodities 0 0 0 0 0 Mutualised VaR for Crédit Agricole S.A. 7 13 9 8 9 Compensation effet* -10 -12 -13 Crédit Agricole S.A. - Market risk exposures - VaR (99% - 1 day) Q3-26 30/09/2026 31/12/2025 4 3 6 9 6 7 5 3 3 4 4 5 5 4 4 4 5 4 4 4 4 5 4 4 4 5 4 4 5 5 6 5 5 6 7 6 6 7 8 6 -8 -8 -10 -11 -10 -9 -10 -9 -9 -10 10 11 10 11 11 13 10 9 11 9 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Crédit Agricole S.A. - Quarterly average VaR (1 day, 99%, in m€) Compensation effects Commodities Fixed income Credit Foreign exchange Equities VaR CASA
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS54 EXPOSURE TO FRENCH SOVEREIGN RISK – CREDIT AGRICOLE S.A APPENDICES Banking activity(in billion euros) Insurance activity(in billion euros) As of 30/09/2026 Other models (2) VFA model (2) (Variable Fee Approach) Total insurance activityFinancial assets at fair value through profit or loss Financial assets at fair value through other comprehensive income (OCI) Financial assets at amortised cost Total assets on other models French government bond (OAT) - 1.3 0.4 1.7 35.9 37.6 Assimilated to French sovereign risk (1) - 1.6 0.5 2.1 10.1 12.2 Total French sovereign risk - 2.9 0.9 3.8 46.0 49.8 1. Public sector debt securities equivalent to those of central, regional or local governments 2. VFA (Variable Fee Approach) model: Savings/Retirement and Funeral; BBA (Building Block Approach) model: Personal protection (death & disability/creditor/group insurance); PAA (Premium Allocation Approach) model: P&C → The liabilities accounted with VFA model under IFRS 17 are related to Savings. Retirement and Funeral scope. The impact of valuation changes of the financial investments backed by these commitments is not material neither on Crédit Agricole S.A net income nor on its equity because of symmetrical valuation effects of these liabilities. → The OAT exposure in the trading book is linked to market-making activities in sovereign debt, as well as to hedges implemented in connection with investment solutions offered to clients. The net sensitivity to changes in the valuation of OATs is extremely limited. Trading Book Banking book As of 30/09/2026 Financial assets at fair value through profit or loss Financial assets at fair value through other comprehensive income (OCI) Financial assets at amortised cost Total Banking Activity French government bond (OAT) 7.2 1.8 13.3 22.3 Assimilated to French sovereign risk (1) - 3.1 6.1 9.2 Total French sovereign risk 7.2 4.9 19.4 31.5
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CRÉDIT AGRICOLE GROUP 55 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS EXPOSURE TO FRENCH SOVEREIGN RISK – CREDIT AGRICOLE GROUP APPENDICES As of 30/09/2026 Other models (2) VFA model (2) (Variable Fee Approach) Total insurance activityFinancial assets at fair value through profit or loss Financial assets at fair value through other comprehensive income (OCI) Financial assets at amortised cost Total assets on other models French government bond (OAT) - 1.5 0.4 1.9 35.9 37.8 Assimilated to French sovereign risk (1) - 2.6 0.5 3.1 10.1 13.2 Total French sovereign risk - 4.1 0.9 5.0 46.0 51.0 1. Public sector debt securities equivalent to those of central, regional or local governments 2. VFA (Variable Fee Approach) model: Savings/Retirement and Funeral; BBA (Building Block Approach) model: Personal protection (death & disability/creditor/group insurance); PAA (Premium Allocation Approach) model: P&C → The liabilities accounted with VFA model under IFRS 17 are related to Savings. Retirement and Funeral scope. The impact of valuation changes of the financial investments backed by these commitments is not material neither on Crédit Agricole Group net income nor on its equity because of symmetrical valuation effects of these liabilities. Banking activity (in billion euros) Insurance activity (in billion euros) Trading Book Banking book As of 30/09/2026 Financial assets at fair value through profit or loss Financial assets at fair value through other comprehensive income (OCI) Financial assets at amortised cost Total Banking activity French government bond (OAT) 7.3 2.1 24.1 33.5 Assimilated to French sovereign risk (1) - 3.3 15.5 18.8 Total French sovereign risk 7.3 5.4 39.6 52.3 → The OAT exposure in the trading book is linked to market-making activities in sovereign debt, as well as to hedges implemented in connection with investment solutions offered to clients. The net sensitivity to changes in the valuation of OATs is extremely limited.
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56 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Appendices Financial structure and balance sheet
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CRÉDIT AGRICOLE S.A. 57 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS 6.2m Customers (2) ~16,100 Employees 1,172 Points of sale Rank #2 in consumer finance (7) 3rd largest asset manager(8) #6 bankinsurer in life (9) CA Group in Italy (1) €344bn Total customer assets (3) €104bn Loans outstanding €2.7bn Revenues (H1-26) 5.0% Market share (5) of retail banking Branches market share in Italy (4) Distribution of the Group’s net income Group share (10) in Italy #1 commercial bank in NPS (6) 0-2% 2-5% 5-10% > 10% 0% €878m Net income Group share H1-2026 ~21% Crédit Agricole S.A. net income Group Share (11) CRÉDIT AGRICOLE GROUP IN ITALY DEVELOPMENT IN ITALY, THE SECOND LARGEST DOMESTIC MARKET 66% 8% 17% 9% Retail banking Specialised financial services Asset gathering Large customers Total net income: €878m (1) Aggregation of Group entities in Italy (CA Italia, CA Auto Bank, Crédit Agricole CIB, CAIW, AGOS AMUNDI, Vera Assicurazioni, Vera Protezione, CACI, CA Vita, CA Assicurazioni, CACEIS, CA Factoring); (2) including all entities present in Italy (3) Including Amundi AuM and CACEIS AuC “non-Group”; (4) Source: Banca d’Italia. 31/03/2026; (5) In number of branches at 30/06/2026; (6) Net Promoter Score. Source Doxa October 2025 study; (7) Assofin publication. 31/12/2025 (excl. credit cards); (8) AUM; Source: Assogestioni. 30/04/2026 (9) Production. Source: IAMA, 30/04/2026 (10) Including +€222m in equity-accounted entities for BBPM as per H1-2026; (11) Excluding Corporate Centre but Including +€222m in equity-accounted entities for BBPM as per H1-2026
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS58 FINANCIAL STRUCTURE AND BALANCE SHEET APPENDICES Solvency (€bn) 30/09/26 31/12/25 Share capital and reserves 32.4 31.8 Consolidated reserves 45.2 41.7 Other comprehensive income (3.5) (3.0) Net income (loss) for the year 5.7 7.1 EQUITY - GROUP SHARE 79.8 77.7 (-) Expected dividend (2.6) (3.4) (-) AT1 instruments accounted as equity (8.8) (8.1) Eligible minority interests 4.9 4.8 (-) Prudential filters (0.3) (0.3) o/w: Prudent valuation (1.2) (1.0) (-) Deduction of goodwills and intangible assets (20.4) (18.9) Deferred tax assets that rely on future profitability excluding those arising from temporary differences (0.0) (0.0) Shortfall in adjustments for credit risk relative to expected losses under the internal ratings-based approach 0.0 0.0 Amount exceeding thresholds (2.3) (0.7) Insufficient coverage for non-performing exposures (Pillar 2) (0.0) (0.0) Other CET1 components (1.6) (1.6) COMMON EQUITY TIER 1 (CET1) 48.7 49.3 Additionnal Tier 1 (AT1) instruments 8.8 7.9 Other AT1 components (0.2) (0.0) TOTAL TIER 1 57.2 57.2 Tier 2 instruments 15.6 14.9 Other Tier 2 components 0.1 0.1 TOTAL CAPITAL 72.9 72.2 RWAs 434.2 419.2 CET1 ratio 11.2% 11.8% Tier 1 ratio 13.2% 13.6% Total capital ratio 16.8% 17.2%
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CRÉDIT AGRICOLE S.A. 59 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS FINANCIAL STRUCTURE AND BALANCE SHEET APPENDICES Change in Equity (m€) €m Group share Non-controlling interests Total Subordinated debt At 31 December 2025 77,662 8,202 85,864 26,171 Impacts of new standards ‐ ‐ ‐ Capital increase 428 - 428 Dividends paid out in H1 26 (3,419) (508) (3,926) Dividends received from Regional Banks and subsidiaries Change in treasury shares held (614) - (614) Issuance / redemption of equity instruments 615 750 1,365 Remuneration for equity instruments issued (365) (32) (396) Impact of acquisitions/disposals on non-controlling interests ‐ - - Change due to share-based payments 76 10 86 Change in other comprehensive income (479) 46 (434) Change in share of reserves of equity affiliates 178 27 205 Result for the period 5,718 816 6,534 Other 18 (398) (381) At 30 September 2026 79,818 8,914 88,732 26,029
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CRÉDIT AGRICOLE S.A. 60 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS * *** * * FINANCIAL STRUCTURE AND BALANCE SHEET APPENDICES Balance sheet (€bn) Assets 30/09/2026 31/12/2025 Liabilities 30/09/2026 31/12/2025 Cash and Central banks 165.13 164.84 Central banks 1.61 0.23 Financial assets at fair value through profit or loss 719.27 643.56 Financial liabilities at fair value through profit or loss 489.17 423.91 Hedging derivative instruments 21.77 16.36 Hedging derivative instruments 31.01 23.66 Financial assets at fair value through other comprehensive income 233.63 234.00 Loans and receivables due from credit institutions 561.46 570.12 Due to banks 176.35 186.01 Loans and receivables due from customers 587.75 559.24 Customer accounts 915.37 894.54 Debt securities 97.34 91.32 Debt securities in issue 296.59 285.07 Revaluation adjustment on interest rate hedged portfolios -11.47 -3.35 Revaluation adjustment on interest rate hedged portfolios -13.33 -8.36 Current and deferred tax assets 5.46 5.45 Current and deferred tax liabilities 5.18 3.92 Accruals, prepayments and sundry assets 54.44 44.47 Accruals and sundry liabilities 66.06 60.97 Non-current assets held for sale and discontinued operations 0.41 - Liabilities associated with non-current assets held for sale - - Insurance contrats issued- Assets 0.10 0.05 Insurance contrats issued - Liabilities 400.07 388.36 Reinsurance contracts held - Assets 1.06 1.16 Reinsurance contracts held - Liabilities 0.15 0.11 Investments in equity affiliates 10.11 7.14 - - Investment property 9.65 9.84 Provisions 3.52 3.85 Property, plant and equipment 10.52 10.31 Subordinated debt 26.03 26.17 Intangible assets 3.41 3.42 Shareholder's equity 79.82 77.66 Goodwill 16.50 16.41 Non-controlling interests 8.91 8.20 Total assets 2,486.53 2,374.31 Total liabilities 2,486.53 2,374.31
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61 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Appendices Activity indicators
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS62 ACTIVITY INDICATORS – ASSET GATHERING DIVISION APPENDICES Asset under management (€bn) €bn Sept. 24 Dec. 24 Mar. 25 Jun. 25 Sept. 25 Dec. 25 Mar. 26 Jun. 26 Sept. 26 ∆ Sept./Sept. LCL Private Banking 64.8 64.4 64.7 64.0 64.4 65.1 64.8 68.2 68.8 +6.9% CAI Wealth Management 209.2 214.7 213.3 214.2 225.8 232.9 233.9 248.8 255.6 +13.2% Of which France 41.6 41.8 43.6 45.4 46.5 47.7 48.3 50.5 50.8 +9.1% Of which International(1) 167.5 173.0 169.7 168.8 179.2 185.2 185.6 198.2 204.9 +14.3% Total 274 279 278 278 290 298 299 317 324 +11.8% (1) excluding institutional clients' assets under custody €bn Sept. 24 Dec. 24 Mar. 25 Jun. 25 Sept. 25 Dec. 25 Mar. 26 Jun. 26 Sept. 26 ∆ Sept./Sept. Asset management – Amundi 2,192 2,240 2,247 2,267 2,317 2,380 2,398 2,581 2,579 +11.3% Savings/retirement 343 347 352 359 367 373 378 392 396 +7.9% Wealth management(1) 274 279 278 278 290 298 299 317 324 +11.8% Assets under management - Total 2,809 2,867 2,878 2,905 2,974 3,051 3,075 3,290 3,299 +10.9% (1) excluding institutional clients' assets under custody
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS63 Combined property & casualty ratio in France (Pacifica) including discounting and excluding undiscounting net of reinsurance: (claims + operating expenses + fee and commission income)/gross earned premiums Insurance – Breakdown of investments (excluding unit-linked) * ACTIVITY INDICATORS – ASSET GATHERING DIVISION – INSURANCES APPENDICES Life insurance asset under management (€bn) 74.0% 73.3% 73.5% 8.3% 7.7% 7.9% 7.6% 7.5% 7.7% 7.7% 8.8% 9.3% 2.5% 2.7% 1.7% Market value Sept. 25 Market value Jun. 26 Market value Sept. 26 Short term investments Equity Private equity, infrastructures, alternate investments Real estate (buildings, shares, shares in SCIs) Interest rate products (bonds, etc…) Combined ratio – Property and casualty insurance * Net of securities sold under repurchase agreements and amounts due to unit-holders of consolidated UCIs in particular €bn Sept. 24 Dec. 24 Mar. 25 Jun. 25 Sept. 25 Dec. 25 Mar. 26 Jun. 26 Sept. 26 ∆ Sept./Sept. Unit-linked 102.8 104.1 105.7 108.4 112.2 116.1 116.4 125.6 125.3 +11.7% In Euros 240.5 243.2 246.7 251.0 254.6 256.9 261.7 266.5 270.5 +6.3% Total 343.2 347.3 352.4 359.4 366.7 373.0 378.1 392.1 395.8 +7.9% Share of unit-linked 29.9% 30.0% 30.0% 30.2% 30.6% 31.1% 30.8% 32.0% 31.6% +1,1 pt Q3-25 Q3-26 Combined ratio 95.4% 97.2%
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS64 Savings. Retirement. Funeral Death & disability (excl. funeral). Creditor. Group insurance P&C ACTIVITY INDICATORS – ASSET GATHERING DIVISION – INSURANCE REVENUES APPENDICES Components Other non- insurance activities Evolution and volatility factors Relative sensitivity estimated by model BBA ~15% PAA ~15% VFA ~70% Model Average weight • Technical result (net of reinsurance) • Financial result (*) • Refinancing cost • Equity investments (*) components included in “other revenues” in the previous publications Business ~0% • Allocation of the CSM of the VFA model essentially depends on: o the evolution of outstandings (amount, behaviour of policyholders) o current market conditions (interest rates, equities, spreads) largely absorbed by the CSM o forward-looking market conditions(over-return scenario) • From time to time, VFA and BBA revenues may be affected by the observation of operating variances and/or the re-evaluation of the profitability of some contracts (loss component) • Allocation of the CSM of the BBA model depends on: o the profitability of the Death & Disability and Creditor portfolio o the evolution of claims on these portfolios o The financial markets evolution (interest rates and spreads) • CSM allocation • Loss component (*) • RA amortisation • Operating variances (*) • Reinsurance (*) • Evolution of premiums and cost of reinsurance • Level of claims, with: o the occurrence of major weather events o the change in the rate curves of the current financial year • Financial result depending on market conditions • Change in the valuation of equity investments classified as JVR held by the holding company • Financial markets and refinancing cost +++ + ++ ++ + + + + ++++ ++ ++ ++ +
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS65 ACTIVITY INDICATORS – ASSET GATHERING DIVISION – INSURANCE REVENUES APPENDICES Revenues by activity - 2024 proforma series (€m) Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 Q3/Q3 Savings, Retirement, Funeral (VFA) 411 513 505 587 495 460 520 631 560 +13.0% Death & disability (excl. funeral), Creditor, Group insurance (BBA) 117 68 103 89 85 164 105 110 73 (14.6%) P&C (PAA) 101 134 122 113 91 161 89 124 70 (23.1%) Other non-insurance activities 6 0 -3 1 4 10 -10 -4 2 (47.4%) TOTAL 635 715 727 790 675 795 704 862 704 4.3% (*) (*) including revenues on insurance own funds
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CRÉDIT AGRICOLE S.A. 66 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS ACTIVITY INDICATORS – ASSET GATHERING DIVISION – AMUNDI APPENDICES Breakdown of assets under management by asset class (€bn) 28.6% 26.7% 11.7% 11.7% 8.6% 8.6% 4.6% 4.0% 20.8% 25.5% 7.9% 6.9% 17.9% 16.6% Sept. 25 Sept. 26 Associates Treasury ETF and index solutions Private, alternative and structured assets Equities Multi-assets Bonds
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS67 Customer assets/Loans outstanding (€bn) ACTIVITY INDICATORS – SFS DIVISION APPENDICES CAPFM OUTSTANDINGS Personal Finance & Mobility - Gross managed loans (€bn) Sept. 24 Dec. 24 Mar. 25 Jun. 25 Sept. 25 Dec. 25 Mar. 26 Jun. 26 Sept. 26 ∆ Sept./Sept. Crédit Agricole Group (LCL & RBs) 23.4 23.7 23.8 24.1 24.4 24.7 24.8 25.1 25.3 3.7% Automobile (CA Auto Bank + auto partnerships) 46.6 48.4 49.6 49.1 49.6 49.2 49.6 50.2 50.3 1.6% o/w CA Auto Bank 29.6 29.9 28.9 29.0 29.0 28.5 28.8 28.5 28.2 -2.7% Other entities 46.8 47.3 47.4 47.8 48.0 48.5 48.6 49.0 49.2 2.6% o/w CAPFM France 13.1 12.9 12.6 12.4 12.4 12.3 12.2 11.9 11.9 -3.3% o/w Agos 17.5 17.7 17.7 18.0 18.1 18.2 18.2 18.5 18.6 2.8% o/w Other entitiés 16.3 16.7 17.1 17.4 17.7 18.0 18.2 18.6 18.7 5.9% - 116.8 119.3 120.7 121.0 122.0 122.5 123.0 124.3 124.9 2.4% O/w total consolidated loans 68.9 69.1 68.7 68.0 68.0 67.6 67.6 67.4 67.3 -0.9% CAL&F OUTSTANDINGS Leasing & Factoring (CAL&F) - Leasing book and factored receivables (€bn) Sept. 24 Dec. 24 Mar. 25 Jun. 25 Sept. 25 Dec. 25 Mar. 26 Jun. 26 Sept. 26 ∆ Sept./Sept. Leasing portfolio 20.1 20.3 20.5 20.8 20.9 21.7 22.1 22.2 22.3 6.3% incl. France 15.9 16.0 16.1 16.4 16.4 16.6 17.1 17.1 17.2 4.6% Factored turnover 30.0 34.6 32.1 33.8 32.6 36.0 33.7 35.9 34.3 5.2% incl. France 18.1 21.2 19.3 20.6 19.7 22.4 20.1 21.4 19.9 1.5% Consumer finance and leasing/factored revenues (€bn)
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS68 ACTIVITY INDICATORS – FRB DIVISION APPENDICES Customer assets and loans outstanding (€bn) Customer savings (€bn)* Sept. 24 Dec. 24 Mar. 25 Jun. 25 Sept. 25 Dec. 25 Mar. 26 Jun. 26 Sept. 26 ∆ Sept./Sept. Securities 14.6 14.8 14.7 14.7 15.3 14.9 15.0 19.4 18.1 +17.9% Mutual funds and REITs 10.4 10.2 9.6 9.7 10.4 10.9 11.6 12.7 13.3 +28.4% Life insurance 63.8 64.7 64.7 65.7 67.3 68.5 68.2 78.2 78.0 +15.9% Off-balance sheet savings 88.8 89.7 89.0 90.1 93.0 94.2 94.7 110.3 109.4 +17.6% Demand deposits 59.5 60.1 58.3 59.9 60.1 60.2 58.5 61.9 60.9 +1.3% Home purchase savings plans 9.0 8.9 8.8 8.7 8.5 8.3 8.3 8.0 7.8 (8.0%) Bonds 11.4 11.2 11.6 11.9 12.0 12.2 12.9 12.2 13.0 +8.6% Passbooks* 53.2 53.4 56.7 56.3 55.6 55.7 57.7 56.9 56.7 +2.0% Time deposits 31.3 31.7 32.0 29.3 28.0 28.6 29.5 28.1 27.9 (0.5%) On-balance sheet savings 164.5 165.3 167.5 166.0 164.2 165.0 166.8 167.2 166.3 +1.3% TOTAL 253.3 255.0 256.5 256.0 257.2 259.3 261.6 277.5 275.6 +7.2% Passbooks* o/w (€bn) Sept. 24 Dec. 24 Mar. 25 Jun. 25 Sept. 25 Dec. 25 Mar. 26 Juin 26 Sept. 26 ∆ Sept./Sept. Livret A 17.4 17.5 18.2 18.4 18.4 18.3 18.6 18.7 18.7 +1.5% LEP 2.4 2.5 2.6 2.5 2.5 2.5 2.6 2.6 2.5 (1.5%) LDD 10.2 10.1 10.5 10.5 10.5 10.3 10.5 10.5 10.5 (0.5%) TOTAL 30.0 30.0 31.3 31.4 31.5 31.1 31.8 31.8 31.7 +0.6% * Including liquid company savings. Outstanding Livret A, LDD and LEP before centralisation with the CDC. Retail Banking in France (LCL) - Loans outstandings Loans outstanding (€bn) Sept. 24 Dec. 24 Mar. 25 Jun. 25 Sept. 25 Dec. 25 Mar. 26 Juin 26 Sept. 26 ∆ Sept./Sept. Corporate 31.6 31.9 31.9 32.6 33.3 33.5 33.4 34.1 33.8 +1.4% Professionals 24.4 24.6 24.7 24.8 25.0 25.2 25.4 25.4 25.6 +2.3% Consumer credit 8.7 8.9 8.5 8.6 8.6 8.7 8.4 8.6 8.5 (0.8%) Home loans 104.1 105.3 105.6 105.6 106.1 106.5 106.2 107.0 107.1 +1.0% TOTAL 168.8 170.7 170.7 171.5 172.9 173.8 173.4 175.0 174.9 +1.2%
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS69 ACTIVITY INDICATORS – FRB DIVISION APPENDICES Revenues (€m) Revenues (€m) Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 Q1-26 T2-26 Q3-26 ∆ Q3/Q3 Net interest income *,** 506 469 461 497 497 522 521 579 596 +19.8% Home purchase savings plans (PEL/CEL) 0 0 0 -1 1 1 -1 2 1 (16.9%) Net interest income excl. HPSP 506 469 461 498 496 521 522 577 594 +19.9% Fee and commission Income** 473 491 502 479 485 501 521 523 553 +14.0% - Securities 28 31 24 22 29 21 34 48 54 +83.5% - Insurance 190 188 217 204 206 212 228 216 240 +16.3% - Account management and payment instruments** 255 271 262 254 250 268 258 258 260 +4.0% TOTAL 979 960 963 976 982 1,023 1,042 1,102 1,149 +16.9% TOTAL excl. HPSP 979 960 963 978 981 1,022 1,043 1,100 1,147 +17.0% * incl. other revenues ** Accounting restatement between NII and commissions made since Q1-25
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CRÉDIT AGRICOLE GROUP 70 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS ALM POLICY APPENDICES Principles of ALM for the banking portfolio • Global interest rate risk quantified using static and dynamic measurements drawing on the calculation of interest rate gaps or impasses, year by year, measuring the difference between fixed-rate assets and liabilities on the balance sheet. Balance sheet outflow depends on customer behaviour. • CAG is structurally a fixed-rate receiver, the gaps are reduced by entering into fixed-rate payer swap contracts • Governance, standards and main fixed-rate asset and liability flow models centralised at CASA. Daily management decentralised within the entities, consolidated and reported to CASA each quarter. • Entity management through gap limits (interest rate corridor) A1 A2 A3 A4 A5 A6 A7 A8 A9 A10 A11 A12 A13.. Gap de taux Fixe pour illustration (non conforme à la réalité) Passif Actif GAP de taux avant couverture GAP de taux après couverture Authorised limit (corridor) Zone of adverse exposure to decreasing interest rates LCL: Change in interest margin and impact of macro-hedging Macro-hedging reduces the sensitivity of LCL’s NII to changes in interest rates Net interest income Macro-hedging effect when rates are rising, macro- hedging contributes positively to NII this effect has gradually diminished since early 2024Gross interest income 0.0% 1.0%
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CRÉDIT AGRICOLE S.A. 71 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS APPENDICES Change in average customer rates (resources and loans)Change in LCL’sbalance sheet structure – between end-2021 and September 2026 Increase in the cost of resources: shift in the deposit mix & rise in compensation rates Gradual repricing of the loan book. constrained by the usury rate & reduced production Average rates incorporating fixed rate and variable rate before hedging. Trends are the same after hedging. x 3 1/2 → 1/3 Loan outstandings Deposits outstanding * bonds marketed to LCL customers related to life insurance or securities -2.0% -1.5% -1.0% -0.5% 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% Average rate on customer loans Average rate on customer ressources
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CRÉDIT AGRICOLE GROUP 72 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS ACTIVITY INDICATORS – RB DIVISION APPENDICES Customer assets and loans outstanding (€bn) Customer assets (€bn)* Sept. 24 Dec. 24 Mar. 25 Jun. 25 Sept. 25 Dec. 25 Mar. 26 Jun. 26 Sept. 26 ∆ Sept./Sept. Securities 48.4 47.8 49.3 49.3 50.2 49.8 49.5 51.4 50.3 +0.2% Mutual funds and REITs 31.0 30.3 32.3 32.8 33.9 34.3 34.7 36.6 37.1 +9.3% Life insurance 222.2 226.9 231.0 235.0 238.2 244.1 247.6 254.8 255.7 +7.4% Off-balance sheet assets 301.6 305.0 312.6 317.2 322.3 328.1 331.8 342.7 343.1 +6.5% Demand deposits 200.1 199.0 196.8 200.8 203.7 204.9 202.6 205.9 206.2 +1.2% Home purchase savings schemes 91.3 90.7 87.7 85.7 84.3 84.1 81.4 79.0 77.1 (8.5%) Passbook accounts 209.6 215.8 218.0 219.5 220.6 224.3 224.2 223.7 223.9 +1.5% Time deposits 100.3 100.4 100.6 100.2 100.7 102.7 104.5 105.2 108.1 +7.3% On-balance sheet assets 601.3 605.9 603.2 606.1 609.3 615.9 612.6 613.9 615.4 +1.0% TOTAL 903.0 910.9 915.7 923.3 931.6 944.1 944.4 956.6 958.4 +2.9% Passbooks, o/w (€bn)* Sept. 24 Dec. 24 Mar. 25 Jun. 25 Sept. 25 Dec. 25 Mar. 26 Jun. 26 Sept. 26 ∆ Sept./Sept. Livret A 86.9 90.2 91.3 92.0 91.9 93.7 93.5 93.2 93.4 +1.6% LEP 24.9 26.4 26.7 25.6 25.9 26.8 27.0 26.8 25.0 (3.2%) LDD 43.4 44.6 45.1 45.5 45.4 46.0 45.9 45.6 45.4 +0.0% Mutual shareholders passbook account 15.9 16.6 17.6 18.5 19.2 19.6 20.0 20.3 20.6 +7.2% * including customer financial instruments. Livret A, LDD and LEP outstandings before centralisation with the CDC. Loans outstanding (€bn) Sept. 24 Dec. 24 Mar. 25 Jun. 25 Sept. 25 Dec. 25 Mar. 26 Jun. 26 Sept. 26 ∆ Sept./Sept. Home loans 391.0 392.0 392.3 393.6 395.6 397.7 399.0 401.5 403.4 +2.0% Consumer credit 23.9 24.3 24.2 24.6 24.9 25.4 25.3 25.7 26.0 +4.4% SMEs 124.1 125.8 126.6 127.1 127.6 129.1 130.7 130.9 132.0 +3.4% Small businesses 29.8 29.6 29.5 29.4 29.3 29.4 29.4 29.5 29.6 +1.2% Farming loans 47.2 46.6 47.1 47.8 48.0 47.5 48.1 49.0 49.1 +2.2% Local authorities 29.7 29.5 29.0 29.1 29.0 29.3 28.7 28.4 28.0 (3.2%) TOTAL 645.8 647.8 648.8 651.7 654.4 658.5 661.2 664.9 668.1 +2.1%
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CRÉDIT AGRICOLE GROUP 73 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS ACTIVITY INDICATORS – RB DIVISION APPENDICES Fee and commission income breakdown/Evolution of credit risk outstanding (€m) €m Sept. 25 Dec. 25 March 26 June 26 Sept. 26 Gross customer loans outstanding 658,896 662,958 665,704 669,685 672,278 of which: impaired loans 13,313 13,597 13,939 14,194 14,598 Loans loss reserves (incl. collective reserves) 12,400 12,611 12,856 13,025 13,276 of which: loans loss reserves for Stage 1 & 2 outstandings 5,787 5,843 5,900 6,116 6,243 of which: loans loss reserves for Stage 3 outstandings 6,613 6,768 6,956 6,910 7,033 Impaired loans ratio 2.0% 2.1% 2.1% 2.1% 2.2% Coverage ratio (excl. collective reserves) 49.7% 49.8% 49.9% 48.7% 48.2% Coverage ratio (incl. collective reserves) 93.1% 92.8% 92.2% 91.8% 90.9% Regional Banks - Evolution of credit risk outstandings €m Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 ∆ Q3/Q3 Services and other banking transactions 231 238 243 237 232 232 245 232 228 (1.4%) Securities 77 77 87 77 79 86 96 84 85 +8.0% Insurance 890 850 1,043 912 916 1,018 1,025 954 936 +2.2% Account management and payment instruments 562 553 561 560 553 575 554 566 579 +4.7% Net fees & commissions from other customer activities(1) 125 111 113 108 110 121 104 108 111 +0.8% TOTAL(1) 1,886 1,829 2,046 1,894 1,890 2,033 2,024 1,944 1,940 +2.6% (1) Revenues generated by the subsidiaries of the Regional Banks, namely fees and commisions from leasing and operating leasing transactions
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CRÉDIT AGRICOLE GROUP 74 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS LCL new loans production (excluding SGL) since 2018 (€bn) Regional Banks new loans production (excluding SGL) since 2018 (€bn) CHANGE IN FRENCH RETAIL BANKING NEW LOANS PRODUCTION APPENDICES 2.0 2.3 2.2 2.4 2.1 2.3 2.2 2.7 2.0 1.4 2.4 2.2 2.1 2.4 2.1 2.4 2.2 2.3 2.1 2.1 2.0 2.0 1.9 2.0 1.8 2.0 2.0 2.1 1.9 2.1 2.2 2.3 2.0 2.1 2.2 12.6 13.9 15.7 14.7 13.0 14.7 17.5 16.9 14.2 13.9 15.8 18.9 14.9 18.0 18.6 16.1 15.2 16.9 17.9 16.3 13.0 12.9 11.5 9.6 7.2 8.5 10.2 10.4 9.9 10.9 12.5 12.2 11.0 12.2 12.4 8.5 8.8 8.0 10.2 8.6 9.7 9.1 11.6 5.6 10.8 8.6 11.1 9.3 10.7 9.3 11.9 10.7 12.5 10.4 13.2 11.5 11.0 9.5 10.9 8.9 9.5 9.1 11.7 9.7 10.8 10.0 13.7 10.6 11.2 10.0 23.1 25.0 25.9 27.3 23.7 26.7 28.8 31.3 21.7 26.1 26.8 32.3 26.3 31.1 30.0 30.4 28.0 31.8 30.5 31.6 26.6 25.9 22.9 22.5 18.0 20.0 21.3 24.2 21.5 23.7 24.7 28.2 23.6 25.5 24.6 Q1 2018 Q2 2018 Q3 2018 Q4 2018 Q1 2019 Q2 2019 Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Consumer credit Home loans Corporates-Professionals-Agriculture-public entities 25.3 Average prod. 27.6 Average prod. 26.7 Average prod. 29.5 Average prod. 30.5 Average prod. 24.5 Average prod. Average prod. 20.9 Average prod. 24.5 Avg. prod. 24.6 0.7 0.8 0.8 0.8 0.7 0.9 0.9 0.8 0.7 0.5 0.8 0.7 0.7 0.7 0.9 0.8 0.8 0.8 0.8 0.7 0.7 0.7 0.7 0.7 0.6 0.6 0.7 0.6 0.6 0.6 0.7 0.6 0.6 0.6 0.6 2.8 3.9 4.9 4.5 4.2 4.3 5.6 4.9 3.9 3.7 3.9 3.9 3.3 4.5 5.9 5.2 4.6 6.1 5.8 4.7 3.6 3.3 2.8 2.3 1.6 1.9 3.3 3.7 2.4 2.4 3.4 3.0 2.1 2.4 2.9 0.9 1.0 0.9 1.1 1.0 1.1 1.1 1.2 1.1 1.1 1.0 1.2 1.1 1.3 1.1 1.2 1.5 1.5 1.6 1.3 1.6 1.2 1.1 1.1 1.1 1.0 1.0 1.4 1.1 1.1 1.3 1.3 1.2 1.1 1.1 2.2 2.5 2.4 2.8 2.1 2.4 2.1 1.9 1.8 1.6 1.2 1.9 1.3 2.6 2.2 2.5 2.6 3.6 3.0 2.4 1.4 1.8 2.1 2.2 1.7 2.4 2.5 2.8 2.6 2.7 3.0 2.9 2.5 3.0 3.3 6.6 8.2 9.0 9.2 8.0 8.7 9.6 8.9 7.6 6.9 7.0 7.8 6.5 9.2 10.1 9.7 9.5 11.9 11.2 9.2 7.2 7.0 6.8 6.3 5.1 6.0 7.5 8.5 6.7 6.8 8.3 7.8 6.4 7.1 7.9 Q1 2018 Q2 2018 Q3 2018 Q4 2018 Q1 2019 Q2 2019 Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Consumer credit Home loans Professionals Corporate Average prod. Average prod. Average prod. Average prod. Average prod. Average prod. 8.2 8.8 7.3 8.9 10.5 6.8 Average prod. 6.8 7.4 Average prod. Average prod. 7.1
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS75 ACTIVITY INDICATORS – IRB DIVISION APPENDICES Loans outstanding/On-balance sheet deposits/Revenues by entity and by type of customer (%) 89% 8% 2% 1% Outstanding loans Q3-26 by entity Italy Poland Egypt Ukraine 85% 9% 3% 3% Outstanding on-B/S deposits Q3-26 by entity Italy Poland Egypt Ukraine 77% 13% 6% 5% Revenues Q3-26 by entity Italy Poland Egypt Ukraine CA Italy (€bn) Sept 24 Dec. 24 Mar 25 June 25 Sept 25 Dec 25 Mar 26 June 26 Sept.26 ∆ Sept./Sept. Total loans outstanding 61.3 62.1 61.1 62.0 62.1 62.8 62.5 63.6 64.1 +3.2% o/w retail customer loans 30.7 30.9 30.8 31.1 31.4 31.6 31.5 31.7 32.3 +2.8% o/w professionals loans 7.9 7.9 7.6 7.6 7.5 7.7 7.4 7.4 7.3 (2.8%) o/w corporates loans, including SMEs 19.6 20.2 19.6 20.2 20.0 20.2 20.5 21.4 21.4 +6.8% dont leasing et autres 3.1 3.2 3.1 3.1 3.2 3.2 3.1 3.1 3.1 (0.7%) On-balance sheet customer assets 64.2 66.0 64.1 65.5 65.1 66.5 65.4 65.3 66.4 +2.1% Off-balance sheet customer assets 53.2 54.0 54.1 55.0 56.2 57.2 56.4 59.1 59.1 +5.1% Total assets (€bn) 117.4 120.0 118.2 120.5 121.3 123.7 121.8 124.4 125.5 +3.5% IRB Others (€bn) Sept 24 Dec 24 Mar 25 June 25 Sept 25 Dec 25 Mar 26 June 26 Sept.26 ∆ Sept./Sept. Total loans outstanding 7.3 7.3 7.4 7.4 7.5 7.8 7.6 8.0 8.1 +9.0% o/w retail customer loans 4.2 4.3 4.4 4.4 4.5 4.6 4.5 4.7 4.8 +8.3% o/w SMEs and professionnals 0.4 0.4 0.4 0.4 0.4 0.4 0.4 0.4 0.4 +4.5% o/w Large corporates 2.7 2.6 2.7 2.6 2.6 2.8 2.7 2.8 2.9 +10.4% On-balance sheet customer assets 10.2 11.2 11.0 10.6 10.6 11.5 11.0 11.7 11.3 +6.6% Off-balance sheet customer assets 0.9 0.9 1.0 1.0 1.1 1.2 0.9 1.3 1.3 +13.9% Total assets (€bn) 11.0 12.1 12.0 11.7 11.8 12.7 11.9 13.0 12.6 +7.3%
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS76 ACTIVITY INDICATORS – IRB DIVISION APPENDICES Revenues (€m) IRB Italy - Changes in detailed revenues Revenues (€m) Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 Q1-26 Q2-26 Q3-26 ∆ Q3/Q3 0 Net interest income 447 449 424 433 430 431 430 442 449 +4.5% Fee and commission Income 322 292 326 328 326 331 343 355 341 +4.4% - Fees and commissions on managed assets 129 118 162 151 143 137 176 163 150 +5.3% - Banking fees and commissions 194 173 164 177 184 194 167 192 191 +3.8% Other revenues (6) (7) 27 6 3 (11) 24 5 (2) N.S. TOTAL 764 733 777 767 759 751 798 802 788 +3.8%
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77 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Appendices Crédit Agricole Group
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CRÉDIT AGRICOLE GROUP 78 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS (1) Q3-25 is expressed on a pro forma basis (Banco BPM equity-accounted at 20.1%) RB: Regional Banks; AG: Asset Gathering, including Insurance; IRB: International Retail Banking, SFS: Specialised financial services; LC: Large customers; CC: Corporate Centre CONTRIBUTION OF THE BUSINESS LINES TO Q3-26 EARNINGS APPENDICES €m RB LCL IRB AG SFS LC CC Total Revenues 3,969 1,149 1,026 2,036 874 2,296 (852) 10,497 Operating expenses (2,534) (695) (531) (902) (472) (1,308) 508 (5,934) Gross operating income 1,436 454 495 1,134 401 988 (344) 4,564 Cost of risk (420) (128) (65) (7) (295) (50) (49) (1,014) Equity-accounted entities (4) - - 70 (56) 0 106 117 Net income on other assets 0 1 0 348 (1) 1 (8) 342 Income before tax 1,012 327 429 1,546 49 939 (294) 4,009 Tax (258) (81) (155) (300) (19) (264) 120 (958) Net income from discont'd or held-for-sale ope. - - 0 - - - - 0 Net income 753 245 275 1,245 30 676 (174) 3,051 Non controlling interests 3 (0) (42) (203) (21) 2 (9) (271) Net income Group Share 756 245 232 1,042 9 678 (183) 2,780 Q3-26 €m RB LCL IRB AG SFS LC CC Total Revenues 3,422 982 1,020 1,844 883 2,099 (772) 9,479 Operating expenses (2,434) (638) (524) (969) (447) (1,246) 471 (5,787) Gross operating income 988 345 496 876 436 853 (301) 3,692 Cost of risk (376) (92) (77) (9) (278) (37) 0 (869) Equity-accounted entities - - - 52 (9) 7 91 140 Net income on other assets (1) 2 (0) (1) 1 (1) (0) (0) Income before tax 611 255 418 918 150 822 (211) 2,963 Tax (160) (70) (126) (187) (31) (269) 110 (732) Net income from discont'd or held-for-sale ope. - - (0) - - - - (0) Net income 451 185 292 731 119 553 (100) 2,231 Non controlling interests (0) (0) (40) (83) (22) 79 2 (63) Net income Group Share 451 185 253 649 97 632 (98) 2,168 Q3-25 (1)
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CRÉDIT AGRICOLE GROUP 79 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS (1) 9M-25 is expressed on a pro forma basis (Banco BPM equity-accounted) RB: Regional Banks; AG: Asset Gathering, including Insurance; IRB: International Retail Banking, SFS: Specialised financial services; LC: Large customers; CC: Corporate Centre CONTRIBUTION OF THE BUSINESS LINES TO 9M-26 EARNINGS APPENDICES (1) €m RB LCL IRB AG SFS LC CC Total Revenues 11,573 3,292 3,163 6,189 2,638 6,998 (2,475) 31,378 Operating expenses (7,884) (2,017) (1,622) (2,742) (1,434) (3,915) 1,503 (18,110) Gross operating income 3,689 1,276 1,541 3,447 1,204 3,083 (972) 13,268 Cost of risk (1,215) (363) (195) (27) (845) (116) (77) (2,836) Equity-accounted entities 7 - - 296 (77) 17 328 572 Net income on other assets 27 (4) 0 348 (5) (4) (5) 358 Income before tax 2,508 909 1,346 4,064 278 2,981 (726) 11,361 Tax (696) (266) (481) (1,003) (81) (799) 266 (3,059) Net income from discontinued or held-for-sale operations - - 0 - - - - 0 Net income 1,812 644 865 3,062 197 2,182 (460) 8,302 Non controlling interests (1) (0) (126) (452) (66) 3 (6) (648) Net income Group Share 1,812 643 739 2,610 132 2,185 (467) 7,654 9M-26 €m RB LCL IRB AG SFS LC CC Total Revenues 10,138 2,922 3,099 5,861 2,632 6,730 (2,539) 28,843 Operating expenses (7,654) (1,860) (1,600) (2,768) (1,359) (3,862) 1,453 (17,651) Gross operating income 2,484 1,062 1,499 3,093 1,273 2,868 (1,086) 11,192 Cost of risk (1,092) (278) (206) (26) (762) (32) (47) (2,443) Equity-accounted entities 7 - - 137 14 22 335 515 Net income on other assets 3 4 (0) 448 2 (0) 0 456 Income before tax 1,401 788 1,294 3,652 526 2,858 (799) 9,720 Tax (427) (250) (393) (786) (102) (723) 300 (2,380) Net income from discontinued or held-for-sale operations - - 0 - - - - 0 Net income 974 537 900 2,866 424 2,136 (499) 7,339 Non controlling interests (1) (0) (122) (431) (64) 0 10 (608) Net income Group Share 974 537 778 2,436 360 2,136 (489) 6,732 9M-25 (1)
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CRÉDIT AGRICOLE GROUP 80 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS INCOME STATEMENT APPENDICES €m Q3-26 Q3-25 ∆ Q3/Q3 Revenues 10,497 9,479 +10.7% Operating expenses (5,934) (5,787) +2.5% Gross operating income 4,564 3,692 +23.6% Cost of risk (1,014) (869) +16.7% Equity-accounted entities 117 140 (16.2%) Net income on other assets 342 (0) n.m. Change in value of goodwill - 0 n.m. Income before tax 4,009 2,963 +35.3% Tax (958) (732) +30.9% Net income from discont'd or held-for-sale ope. 0 (0) n.m. Net income 3,051 2,231 +36.7% Non controlling interests (271) (63) x 4.3 Net income Group Share 2,780 2,168 +28.2% Cost/Income ratio (%) 56.5% 61.0% -4.5 pp €m 9M-26 9M-25 ∆ 9M/9M Revenues 31,378 28,843 +8.8% Operating expenses (18,110) (17,651) +2.6% Gross operating income 13,268 11,192 +18.5% Cost of risk (2,836) (2,443) +16.1% Equity-accounted entities 572 515 +11.0% Net income on other assets 358 456 (21.6%) Change in value of goodwill - 0 n.m. Income before tax 11,361 9,720 +16.9% Tax (3,059) (2,380) +28.5% Net income from discont'd or held-for-sale ope. 0 0 x 3.7 Net income 8,302 7,339 +13.1% Non controlling interests (648) (608) +6.6% Net income Group Share 7,654 6,732 +13.7% Cost/Income ratio (%) 57.7% 61.2% -3.5 pp
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CRÉDIT AGRICOLE GROUP 81 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS CRÉDIT AGRICOLE GROUP APPENDICES Revenues and net income Group share 9M-26 by business line (excluding Corporate Centre) (€m) Insurance 6% Asset management 8% Wealth management 4% Regional Banks 34%LCL 10% CA Italia 7% Other IRB 2% Consum. Finance 6% Leasing & Fact. 2% CIB 16% Asset servicing 5% Revenues excl. CC 9M-26: €33.9bn Retail banking 53% Asset gathering 18% Spec. fin. serv. 8% Large customers 21% Insurance 18% Asset management 12% Wealth management 2% Regional Banks 22%LCL 8% CA Italia 8% Other IRB 2% CIB 21% Asset servicing 5% Retail banking 39% Asset gathering 32% Spec. fin. serv. 2% NIGS excl. CC 9M-26: €8.1bn Large customers 27%
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CRÉDIT AGRICOLE GROUP 82 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS FINANCIAL STRUCTURE AND BALANCE SHEET APPENDICES Solvency (€bn) 30/09/26 31/12/25 Share capital and reserves 32.9 33.1 Consolidated reserves 116.0 109.1 Other comprehensive income (3.5) (2.8) Net income (loss) for the year 7.7 8.8 EQUITY - GROUP SHARE 153.0 148.1 (-) Expected dividend (1.3) (1.7) (-) AT1 instruments accounted as equity (8.8) (8.1) Eligible minority interests 3.7 3.8 (-) Prudential filters (1.9) (1.7) o/w: Prudent valuation (2.9) (2.5) (-) Deduction of goodwills and intangible assets (21.3) (19.6) Deferred tax assets that rely on future profitability excluding those arising from temporary differences (0.0) (0.1) Shortfall in adjustments for credit risk relative to expected losses under the internal ratings-based approach 0.0 0.0 Amount exceeding thresholds 0.0 0.0 Insufficient coverage for non-performing exposures (Pillar 2) (1.5) (1.5) Other CET1 components (3.0) (4.7) COMMON EQUITY TIER 1 (CET1) 119.0 114.6 Additionnal Tier 1 (AT1) instruments 8.9 7.9 Other AT1 components (0.1) 0.1 TOTAL TIER 1 127.8 122.6 Tier 2 instruments 15.6 14.9 Other Tier 2 components 1.6 1.3 TOTAL CAPITAL 144.9 138.7 RWAs 687.9 662.7 CET1 ratio 17.3% 17.3% Tier 1 ratio 18.6% 18.5% Total capital ratio 21.1% 20.9%
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CRÉDIT AGRICOLE GROUP 83 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS * *** FINANCIAL STRUCTURE AND BALANCE SHEET APPENDICES Balance sheet (€bn) Assets 30/09/2026 31/12/2025 Liabilities 30/09/2026 31/12/2025 Cash and Central banks 168.3 168.3 Central banks 1.6 0.2 Financial assets at fair value through profit or loss 730.9 654.4 Financial liabilities at fair value through profit or loss 484.9 419.8 Hedging derivative instruments 35.8 25.1 Hedging derivative instruments 32.8 26.6 Financial assets at fair value through other comprehensive income 246.1 245.1 Loans and receivables due from credit institutions 152.9 153.6 Due to banks 93.0 98.0 Loans and receivables due from customers 1,246.8 1,209.7 Customer accounts 1,227.4 1,199.4 Debt securities 134.7 127.4 Debt securities in issue 305.8 293.8 Revaluation adjustment on interest rate hedged portfolios -24.3 -10.4 Revaluation adjustment on interest rate hedged portfolios -14.3 -9.1 Current and deferred tax assets 7.6 7.6 Current and deferred tax liabilities 4.5 3.2 Accruals, prepayments and sundry assets 48.6 45.2 Accruals and sundry liabilities 75 71.4 Non-current assets held for sale and discontinued operations 0.4 0.0 Liabilities associated with non-current assets held for sale - - Insurance contrats issued- Assets 0.1 0.0 Insurance contrats issued - Liabilities 404.8 392.1 Reinsurance contracts held - Assets 1.1 1.2 Reinsurance contracts held - Liabilities 0.2 0.1 Investments in equity affiliates 9.2 6.5 Investment property 12.0 11.8 Provisions 5.5 5.7 Property, plant and equipment 15.6 15.4 Subordinated debt 25.9 26.1 Intangible assets 3.9 3.8 Shareholder's equity 153.0 148.1 Goodwill 17.4 17.1 Non-controlling interests 7.1 6.5 Total assets 2,807.3 2,681.9 Total liabilities 2,807.3 2,681.9
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84 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Appendices ESG indicators
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CRÉDIT AGRICOLE GROUP 85 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Strengthen our position as sustainable finance leader Be a leader in environmental and social transitions Accelerate the energy transition BE A LEADER IN TRANSITIONS Green-brown outstandings ratio 2028 target 90/10 Financing of transitions 2028 target €240 bn CIB Sustainable finance annual revenues 2028 target €1,000 m 119 123 78 75 23 25 2025 June 2026 2028 84 89 90 16 11 10 2024 2025 2028 220 223 240 Green: low-carbon energy Brown: extraction of fossil fuels (oil, gas, coal) Others Inclusion and social cohesion Environmental transition ACT 2028 AMBITIONS 655 729 1000 2024 2025 2028
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CRÉDIT AGRICOLE GROUP 86 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS ESG INDICATORS APPENDICES June 26 Dec, 25 Dec. 24 Total Financing of transitions (€bn) (1) 222.9 220.4 202.1 Environmental transition o/w: 123.0 119.0 113.9 Energy-efficient buildings 87.3 86.1 87.7 Clean transport and mobility 8.3 7.7 5.2 Others 27.4 25.2 20.9 Cohesion and social inclusion o/w: 74.8 78.0 70.7 Access to home ownership (low-income households, interest-free loans) 36.7 36.3 32.8 Health for everyone 12,4 13.4 12.9 Professionals and SMEs in fragile and rural areas to be revitalised 17.6 19.0 19.5 Others 8.1 9.3 5.5 Other financing of transitions 25.1 23.34 17.5 Financing of low-carbon energy (€bn) (2) 30.6 27.5 23.4 Investment in low-carbon energy (€bn) (3) 6.2 6.1 6 Exposure to fossil fuel extraction (€bn) 3.0 3.3 4.5 Video consultations carried out to combat medical deserts (4) 24,500 40,200 29,600 Financing of agri-food transition (€bn) (5) 7.9 7.5 5.8 (1) Financing of environmental transition, cohesion and social inclusion and general financing of transitions. (2) Low-carbon energy outstandings made up of renewable energy produced by the clients of all Crédit Agricole Group entities, including nuclear energy outstandings for CACIB (3) Portfolios of CAA (listed securities, listed securities under mandate, and unlisted securities) and of Amundi Transition Energétique. na = not available. (4) Video consultations carried out via Omedys video consultations rooms. (5) Financing of agri-food transition according to the Group’s internal sustainable assets framework including helping farmers to set up through financing, organic farming or new farming practices.
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87 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Appendices LEGAL RISKS
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS88 The main current legal risks for Crédit Agricole S.A. and its fully consolidated subsidiaries are described in the management report for financial year 2025, found in the 2025 Universal Registration Document. They will be updated in the Amendment A03 to the 2025 Universal Registration Document LEGAL RISKS APPENDICES
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89 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS Appendices Ratings
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS90 Ratings FINANCIAL RATING(1) APPENDICES 1. The ratings reflect the analysis of Crédit Agricole Group Crédit Agricole S.A. - Ratings Ratings LT / ST Counterparty Issuer / LT senior preferred debt Outlook / Review Issuer / ST senior preferred debt Last review date Rating action S&P Global Ratings AA-/A-1+ (RCR) A+ Stable outlook A-1 08/10/2026 LT / ST ratings affirmed; outlook unchanged Moody’s Aa3/P-1 (CRR) A1 Stable outlook P-1 31/07/2026 LT / ST ratings affirmed; outlook unchanged Fitch Ratings AA- (DCR) AA- Stable outlook F1+ 03/08/2026 upgrade of LT / ST ratings; outlook unchanged DBRS AA (high) / R-1 (high) (COR) AA (low) Stable outlook R-1 (middle) 10/09/2026 LT / ST ratings affirmed; outlook unchanged
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CRÉDIT AGRICOLE GROUP 91 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS A WELL-DIVERSIFIED BUSINESS MODEL AND SOUND FINANCIAL MANAGEMENT (2) APPENDICES • “Sound earnings, cooperative status, and conservative capital policy support the Group’s very solid capital position.” • “Firm leader in the French retail banking market, generating good and predictable risk-adjusted earnings”. • “Increasingly diverse business model and revenue sources, with leading franchises, notably in retail banking, insurance, and asset management”. • “Robust capital generation stemming from stable and diversified earnings and high profit retention at group level” • “Solid asset quality” • Moody’s confirms the rating of senior unsecured debt following the introduction of full depositor preference in Europe • “A very diverse business model leveraging its leading franchises, • A low-risk appetite, sound asset quality, • Stable profitability and strong capitalisation and funding.” • A further downgrade of France’s sovereign rating to ‘A’ from ‘A+’ would result in adowngrade of CA’s ratings, because the group’s Long-Term IDRs and Viability Rating (VR) arecapped by the sovereign rating”. AA- stable (1) A+ stable (1) A1 stable (1) 1. Issuer credit rating / Long Term Senior Preferred rating 2. The ratings reflect the analysis of Crédit Agricole Group As of 16/10/2026 As of 21/04/2026 As of 12/05/2026
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CRÉDIT AGRICOLE S.A. 3RD QUARTER AND FIRST NINE MONTHS OF 2026 RESULTS92 APPENDICES NON-FINANCIAL RATING Ratings as of 01/10/2026 1. ESG risk score on a reverse scale (100-0): the lower the score, the better the ESG risk 2. The Workforce Disclosure Initiative measures the transparency of published data on a variety of topics including human capital, governance and procurement (+20 points vs 2021). 1 Severe risk (100) Negligible risk (0) 17.7 D- C+ … C+ D+ A A 0% 100% 92% 2 0 100 63
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@Crédit_Agricole Crédit Agricole Group @créditagricole_sa LIST OF CONTACTS CRÉDIT AGRICOLE S.A. INVESTOR RELATIONS CONTACTS: Institutional investors investor.relations@credit-agricole-sa.fr Individual shareholders +33 800 000 777 relation@actionnaires.credit-agricole.com (toll-free call in France only) Cécile Mouton +33 1 57 72 86 79 cecile.mouton@credit-agricole-sa.fr Fethi Azzoug +33 1 57 72 03 75 fethi.azzoug@credit-agricole-sa.fr Oriane Cante +33 1 43 23 03 07 oriane.cante@credit-agricole-sa.fr Nicolas Ianna +33 1 43 23 55 51 nicolas.ianna@credit-agricole-sa.fr Leïla Mamou +33 1 57 72 07 93 leila.mamou@credit-agricole-sa.fr Anna Pigoulevski +33 1 43 23 40 59 anna.pigoulevski@credit-agricole-sa.fr Victoire-Emmanuelle +33 1 43 23 47 24 victoireemmanuelle.prudhomme@credit-agricole-sa.fr Prud’homme CRÉDIT AGRICOLE PRESS CONTACTS: Alexandre Barat +33 1 57 72 12 19 alexandre.barat@credit-agricole-sa.fr Olivier Tassain +33 1 43 23 25 41 olivier.tassain@credit-agricole-sa.fr Mathilde Durand +33 1 57 72 19 43 mathilde.durand@credit-agricole-sa.fr Bénédicte Gouvert +33 1 49 53 43 64 benedicte.gouvert@ca-fnca.fr