Credit Agricole SA · EURONEXT:ACA

Credit Agricole SA — Barclays Conference 2015

17 slides from Credit Agricole SA's conference presentation, Sep 17, 2015

  1. Slide 1: Barclays Conference

    Barclays Conference Jérôme Grivet Deputy Managing Director and CFO 17 September 2015

  2. Slide 2: Disclaimer

    DISCLAIMER This presentation may include prospective information on the Group, supplied as information on trends. This data does not represent forecasts within the meaning of European Regulation 809/2004 of 29 April 2004 (chapter 1, article 2, § 10). This information was developed from scenarios bas

  3. Slide 3: Contents

    CONTENTS 1 Clarification on Group organisation p. 3 2 A solid bedrock for the future p. 5 3 Challenges and opportunities p. 12 3 BARCLAYS CONFERENCE

  4. Slide 4: Clarification on Group organisation

    CLARIFICATION ON GROUP ORGANISATION  Medium term target: improve the Group’s organisation To increase the readability of the Group’s structure To lead the necessary transformations more efficiently To increase our maneuverability  The ROC project: a means to achieve this objective The idea: - Crea

  5. Slide 5: Contents

    CONTENTS 1 Clarification on Group organisation p. 3 2 A solid bedrock for the future p. 5 3 Challenges and opportunities p. 12 5 BARCLAYS CONFERENCE

  6. Slide 6: Strong results for both Crédit Agricole Group and CASA

    A SOLID BEDROCK FOR THE FUTURE Strong results for both Crédit Agricole Group and CASA Restructuring of the past years is bearing fruits, leading to strong results in a still challenging economic context Crédit Agricole Crédit Agricole Group S.A. Stated €1,500m €920m Of which Regional Banks €811m €23

  7. Slide 7: CASA: Q2-15 and H1-15 income statements

    A SOLID BEDROCK FOR THE FUTURE CASA: Q2-15 and H1-15 income statements ∆ Q2/Q2 of ∆ H1/H1 of  Business line the the revenues: +5.7%* €m Q2-15 ∆ Q2/Q2 business H1-15 ∆ H1/H1 business Q2/Q2, driven primarily lines lines restated* restated* by Savings management & Revenues 4,628 +18.1% +5.7% 8,987 +12

  8. Slide 8: Strong business performance: Retail Banking

    A SOLID BEDROCK FOR THE FUTURE Strong business performance: Retail Banking  Strong growth in new customers Loans outstanding: +2.2% June/June Regional Banks: versus +1.3% March/March - 230,000 net new demand deposit accounts opened since 30 June 2014 (€bn) - Sharp increase in number of mutual share

  9. Slide 9: Strong business performance: Savings management & Insurance

    A SOLID BEDROCK FOR THE FUTURE Strong business performance: Savings management & Insurance  A dynamic, innovative product range … Launch of Premundi in March 2015: Amundi and Predica pooled facilitating teams, processes and dedicated call centres in order to Assets under management assist the Regio

  10. Slide 10: Strong business performance: Financing activities (outside branch networks)

    A SOLID BEDROCK FOR THE FUTURE Strong business performance: Financing activities (outside branch networks)  Consumer finance CACF Total production (€bn) Growth in production: up 13.7% YoY in Q2 +13.7% Diversified product range 8.7 - Outstandings of car finance partnerships up 10% on June 2014 7.6 7

  11. Slide 11: Strength of the financial structure confirmed despite the current interest rate context

    A SOLID BEDROCK FOR THE FUTURE Strength of the financial structure confirmed despite the current interest rate context Crédit Agricole Crédit Agricole S.A. Group  Crédit Agricole Group is among 13.2% 10.2% 8.0% 7.0% the best capitalised groups in 1.0% Europe CET1 7.0% Minimum 30/06/2015 Minimum 30/

  12. Slide 12: Contents

    CONTENTS 1 Clarification on Group organisation p. 3 2 A solid bedrock for the future p. 5 3 Challenges and opportunities p. 12 12 BARCLAYS CONFERENCE

  13. Slide 13: New potential crises

    CHALLENGES AND OPPORTUNITIES New potential crises  Persisting imbalances  Persisting levels of indebtness (sovereign, corporates, households, and even New potential Central banks) crises ahead  Economies supported by non conventional and non lasting Central bank policies - ECB Quantitative Easing

  14. Slide 14: The launch of a Competitiveness Project as a bolster to the MTP

    CHALLENGES AND OPPORTUNITIES The launch of a Competitiveness Project as a bolster to the MTP Achievements as of today Further actions Commercial attractivity already proven in The differentiation of Crédit Agricole Group’s 2015 commercial policy must now clearly stand out  Solid momentum in home lo

  15. Slide 15: The launch of a Competitiveness Project as a bolster to the MTP

    CHALLENGES AND OPPORTUNITIES The launch of a Competitiveness Project as a bolster to the MTP Achievements as of today Further actions Synergies are at the basis of the bankinsurer  Increase organic ambitions model e.g. number of insurance policies sold  €3bn p.a. of insurance revenues generated 

  16. Slide 16: The launch of a Competitiveness Project as a bolster to the MTP

    CHALLENGES AND OPPORTUNITIES The launch of a Competitiveness Project as a bolster to the MTP Achievements as of today Further actions  Disposals of entities (Emporiki,  Optimise Crédit Agricole S.A.’s Cheuvreux, CLSA, Newedge) structure Optimise For example through IT sharing  Management of non s

  17. Slide 17: Conclusion

    CONCLUSION  Strong profitability base driven by strong business performance and solid financial structure for both Crédit Agricole Group and Crédit Agricole S.A.  Changing environment, requiring transformation actions to increase commercial attractivity and build security buffers on the regulatory

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