The document discusses Crédit Agricole Group's financial performance, highlighting an average annual revenue growth, a cost/income ratio of under 60%, and a significant investment program with revenues reaching €19.5 billion in retail banking. It also mentions the group's cost-saving measures and solvency metrics, such as a CET1 ratio of 14.0% and profitability targets for 2016. Additional details include mutual shareholders' growth, asset management figures, and pay-out ratios for previous years.

1. Crédit Agricole Group average annual revenue growth
Crédit Agricole Group cost / income ratio
Crédit Agricole Group cost of risk / outstandings (bp)
Revenues1
in Retail Banking, France
Revenues2
in Europe (excl. France)
Additional intra-group synergies
Investment programme
Amundi: assets under management
Mutual shareholders
c. +2% p.a.
< 60 %
c. 40
c. €19.5 billion
+ 12 %
+ €850 million
c. €3.7 billion
€1,000 billion
10 million
BUSINESS
Cost-saving programme
Crédit Agricole Group NIGS
Crédit Agricole S.A. NIGS
Crédit Agricole S.A. RoTE
Crédit Agricole S.A. pay-out ratio on 2015
and 2016 results (assumption)
- €950 million
> €6.5 billion
> €4 billion
12 %
50 %
PROFITABILITY
Crédit Agricole Group CET 1 Basel 3
fully loaded ratio
14,0 %
SOLVENCY
2016 TARGETS
CREDIT
AGRICOLE
OUR CLIENTS, AT THE
CORE OF A GROUP
IN MOTION
2016
1. Crédit Agricole Group revenues estimations
2. Business view, pro forma for equity-accounted entities under proportionate
method in 2013, restated for CVA/DVA and loan hedges