Chapter 2 : Group Project and 2022 Medium-Term Plan

An ambitious new joint project based on three pillars of development. Our ambition is to be useful to all, which is why we put human responsibility, commitment to society, and excellence in customer relations at the heart of our model.

2022 FINANCIAL TARGETS

> €5bn
Growth in Crédit Agricole S.A.’s net income

PROFITABILITY > 11%
for return on equity.⁽¹⁾

↑ STRENGTH
With a capital ratio⁽²⁾ of 11%
for Crédit Agricole S.A. and 16%
for the Group

↑ SECURITY
Net income secured by diversified mix of revenues and an annual growth of +2.5%

100% HUMAN, 100% DIGITAL

Through a unique relational model, the Group aims to bring real added value to its customers by investing in new technologies to be at the forefront of digital, and to be human-centric through empowered relationship management.

THREE LEVERS OF SUCCESS

Growth on all
our markets
No. 1
in customer acquisition

Synergy
of revenues
€10bn
in 2022

Technological
transformation
€15bn
allocated over 4 years

(1) RoTE. (2) CET1.