Bond Crédit Agricole SA 2.625% ( XS1204154410 ) in EUR

Issuer Crédit Agricole SA
Market price refresh price now   100 %  ▲ 
Country  France
ISIN code  XS1204154410 ( in EUR )
Interest rate 2.625% per year ( payment 1 time a year)
Maturity 16/03/2027



Prospectus brochure of the bond Crédit Agricole XS1204154410 en EUR 2.625%, maturity 16/03/2027


Minimal amount /
Total amount /
Next Coupon 17/03/2026 ( In 133 days )
Detailed description Crédit Agricole is a French multinational cooperative banking group with a global presence, offering a wide range of financial services including retail banking, investment banking, and asset management.

The Bond issued by Crédit Agricole SA ( France ) , in EUR, with the ISIN code XS1204154410, pays a coupon of 2.625% per year.
The coupons are paid 1 time per year and the Bond maturity is 16/03/2027








IMPORTANT NOTICE

NOT FOR DISTRIBUTION DIRECTLY OR INDIRECTLY TO ANY U.S. PERSON OR ANY PERSON LOCATED IN THE
UNITED STATES OF AMERICA OR IN ANY OTHER JURISDICTION WHERE IT IS UNLAWFUL TO DISTRIBUTE
THIS PROSPECTUS.

IMPORTANT: You must read the following before continuing. The following disclaimer applies to the prospectus
following this page (the "Prospectus"), and you are therefore advised to read this carefully before reading,
accessing or making any other use of the Prospectus. In accessing the Prospectus, you agree to be bound by
the following terms and conditions, including any modifications to them any time you receive any information
from Crédit Agricole S.A. (the "Issuer"), Crédit Agricole Corporate and Investment Bank (the "Sole Bookrunner"),
Banca IMI S.p.A., Banco Santander, S.A., Lloyds Bank plc, Nordea Bank Danmark A/S and UniCredit Bank AG
(the "Joint-Lead Managers" and, together with the "Sole Bookrunner", the "Managers") as a result of such access.
Capitalised terms used but not otherwise defined in this disclaimer shall have the meaning given to them in the
attached Prospectus.

Your attention is drawn in particular to the wording on the inside cover of the Prospectus and the section of the
Prospectus entitled "Subscription and Sale".
NOTHING IN THIS ELECTRONIC TRANSMISSION CONSTITUTES AN OFFER OF SECURITIES FOR SALE IN THE
UNITED STATES OR ANY OTHER JURISDICTION WHERE IT IS UNLAWFUL TO DO SO. THE NOTES HAVE NOT
BEEN, AND WILL NOT BE, REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE
"SECURITIES ACT"), OR THE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES OR OTHER
JURISDICTION AND THESE SECURITIES MAY NOT BE OFFERED OR SOLD WITHIN THE UNITED STATES, OR
TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS (AS DEFINED IN REGULATION S UNDER THE
SECURITIES ACT), EXCEPT IN ACCORDANCE WITH REGULATIONS UNDER THE SECURITIES ACT.

THE FOLLOWING PROSPECTUS MAY NOT BE FORWARDED OR DISTRIBUTED TO ANY OTHER PERSON AND
MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER, AND IN PARTICULAR, MAY NOT BE FORWARDED
TO ANY U.S. PERSON OR TO ANY U.S. ADDRESS. ANY FORWARDING, DISTRIBUTION OR REPRODUCTION OF
THIS PROSPECTUS IN WHOLE OR IN PART IS UNAUTHORISED. FAILURE TO COMPLY WITH THIS DIRECTIVE
MAY RESULT IN A VIOLATION OF THE SECURITIES ACT OR THE APPLICABLE LAWS AND REGULATIONS OF
OTHER JURISDICTIONS. IF YOU HAVE GAINED ACCESS TO THIS TRANSMISSION CONTRARY TO ANY OF THE
FOREGOING RESTRICTIONS, YOU ARE NOT AUTHORISED AND WILL NOT BE ABLE TO PURCHASE ANY OF
THE NOTES DESCRIBED HEREIN.

Confirmation of your Representation: In order to be eligible to view the Prospectus or make an investment decision
with respect to the Notes, you must not be a U.S. person (within the meaning of Regulation S under the Securities Act).
By accepting the e-mail and accessing the Prospectus, you shall be deemed to have represented to the Issuer and the
Managers that:
(i)
you are not a person to whom it is unlawful to send the Prospectus or to make an invitation under the offer
under applicable laws and regulations;
(ii) you are not a U.S. person or a person located in the United States;
(iii) the electronic mail address that you have given to the Managers and to which this e-mail has been delivered
is not located in the United States, its territories and possessions (including Puerto Rico, the U.S. Virgin
Islands, Guam, American Samoa, Wake Island and the Northern Mariana Islands), any State of the United
States or the District of Columbia;
(iv) you consent to delivery of the Prospectus by electronic transmission; and
(v) you wil not, nor are you authorised to, forward or distribute the Prospectus to any other Person or reproduce
it, in whole or in part, in any manner whatsoever.
The Prospectus does not constitute, and may not be used in connection with, an offer or solicitation in any place where
offers or solicitations are not permitted by law. If a jurisdiction requires that the offering be made by a licensed broker or
dealer and any Managers or any affiliate of the Managers is a licensed broker or dealer in that jurisdiction, the offering
shall be deemed to be made by such Managers or such affiliate on behalf of the Issuer in such jurisdiction.

Under no circumstances shal the Prospectus constitute an offer to sel or the solicitation of an offer to buy nor shal there
be any sale of the Notes in any jurisdiction in which such offer, solicitation or sale would be unlawful. Recipients of the
Prospectus who intend to subscribe for or purchase the Notes are reminded that any subscription or purchase may only
be made on the basis of the information contained in the final prospectus. The Prospectus may only be communicated in
France to (i) persons providing investment services relating to portfolio management for the account of third parties
(personnnes fournissant le service d'investissement de gestion de portefeuille pour compte de tiers) and/or (i ) qualified
investors (investisseurs qualifiés) acting for their own account as defined in, and in accordance with, Articles L.411-1,
L.411-2 and D.411-1 of the French Code monétaire et financier.
The Prospectus has been sent to you in an electronic form. You are reminded that documents transmitted via this
medium may be altered or changed during the process of electronic transmission and consequently none of the
Managers or any person who controls it nor any director, officer, employee nor agent of it or affiliate of any such person


accepts any liability or responsibility whatsoever in respect of any difference between the Prospectus distributed to you in
electronic format and the hard copy version of the Prospectus available to you on request from the Managers.

This Prospectus is only being distributed to, and is only directed at, persons in the United Kingdom who are "qualified
investors" as defined in Section 86(7) of the Financial Services and Markets Act 2000, as amended (the "FSMA") or
otherwise in circumstances which do not require the publication by the Issuer of a prospectus pursuant to section 85 of
the FSMA. In the United Kingdom, this Prospectus is only being distributed to, and is only directed at, and any
investment or investment activity to which this Prospectus relates is available only to, and wil be engaged in only with,
persons (i) having professional experience in matters relating to investments who fall within the definition of "investment
professionals" in Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (the
"Order"); or (ii) who are high net worth entities falling within Article 49(2)(a) to (d) of the Order, or other persons to whom
it may otherwise be lawfully communicated (al such persons together being referred to as "relevant persons"). Persons
who are not relevant persons should not take any action on the basis of this Prospectus and should not act or rely on it.
This Prospectus may only be distributed in the Republic of Italy (i) to qualified investors (investitori qualificati), as defined
pursuant to Article 100, first paragraph, letter a) of Legislative Decree No. 58 of 24 February 1998, as amended (the
"Financial Services Act") and Article 34-ter, first paragraph, letter b) of CONSOB Regulation No. 11971 of 14 May
1999, as amended ("Regulation No. 11971"); or (i ) in any other circumstances where an express exemption from
compliance with the restrictions on offers to the public applies, including, without limitation, as provided under Article 100
of the Financial Services Act and Article 34-ter of Regulation No. 11971. No person resident or located in the Republic of
Italy other than the original recipients of this document may rely on it or its contents.
You are reminded that documents transmitted in electronic form by e-mail may be altered or changed during the process
of electronic transmission.




PROSPECTUS
STRICTLY CONFIDENTIAL

2,000,000,000 Subordinated 2.625 per cent. Notes due 17 March 2027

Issue Price: 99.969% per cent.

Crédit Agricole S.A. (the "Issuer") is offering 2,000,000,000 subordinated 2.625 per cent. notes maturing on 17
March 2027 (the "Notes").
The Notes will be issued on 17 March 2015 (the "Issue Date") and wil bear interest at a rate of 2.625 per cent.
per annum from (and including) the Issue Date, payable annually in arrear on 17 March of each year, beginning
on 17 March 2016, to (but excluding) the Maturity Date (as defined below) as further described in "Terms and
Conditions of the Notes ­ Interest" of this prospectus (the "Prospectus").
Unless previously redeemed or purchased and cancelled, the Notes wil be redeemed at par on 17 March 2027
(the "Maturity Date"). The Issuer may, at its option (subject to approval by the Relevant Regulator), redeem all,
but not some only, of the Notes at any time at their outstanding principal amount plus accrued interest upon the
occurrence of a Tax Event or a Capital Event (each as defined in "Terms and Conditions of the Notes -
Interpretation").
The Notes wil be issued in denominations of 100,000 and integral multiples of 1,000 in excess thereof. The
Notes wil be issued in bearer form and wil initially be represented by Global Notes, without interest coupons,
which wil be deposited on or around the Issue Date with a common depositary for Euroclear Bank S.A./N.V.
("Euroclear") and Clearstream Banking, société anonyme ("Clearstream, Luxembourg").

Definitive Notes wil only be issued in limited circumstances.
This Prospectus constitutes a prospectus for the purposes of Article 5.3 of Directive 2003/71/EC of the European
Parliament and of the Council dated 4 November 2003, as amended, which includes the amendments made by
Directive 2010/73/EU of the European Parliament and of the Council dated 24 November 2010 (the "Prospectus
Directive").
Application has been made to list and admit to trading the Notes, as of their Issue Date on the regulated market of
Euronext in Paris ("Euronext Paris"). Euronext Paris is a regulated market within the meaning of the Directive
2004/39/EC of the European Parliament and of the Council dated 21 April 2004, as amended.
The Notes are expected to be rated Baa3 by Moody's Investors Service Ltd ("Moody's"), BBB by Standard &
Poor's Credit Market Services France SAS ("S&P") and A- by Fitch France S.A.S. ("Fitch"). Each of Moody's,
S&P and Fitch is established in the European Union ("EU") and is registered under Regulation (EC) No.
1060/2009 (as amended) (the "CRA Regulation") and is included in the list of credit rating agencies registered in
accordance with the CRA Regulation as of the date of this Prospectus. This list is available on the ESMA website
at www.esma.europa.eu/page/List-registered-and-certified-CRAs (list last updated on 12 December 2014). A
rating is not a recommendation to buy, sel or hold securities and may be subject to revision, suspension or
withdrawal at any time by the assigning rating agency.

Investing in the Notes involves certain risks. See "Risk Factors" beginning on page 25 below for risk
factors relevant to an investment in the Notes.

Copies of this Prospectus are available on the websites of the AMF (www.amf-france.org) and of the Issuer
(www.credit-agricole.com) and may be obtained, without charge on request, at the principal office of the Issuer
during normal business hours. Copies of al documents incorporated by reference in this Prospectus are
available (i) on the website of the AMF (www.amf-france.org) and (i ) on the website of the Issuer (www.credit-
agricole.com) and may be obtained, without charge on request, at the principal office of the Issuer during normal
business hours.






In accordance with Articles L.412-1 and L.621-8 of the French Code monétaire et financier and its General
Regulations (Règlement général), in particular Articles 211-1 to 216-1, the AMF has granted to this Prospectus
the visa n°15-084 on 10 March 2015. This Prospectus has been prepared by the Issuer and its signatories
assume responsibility for it. In accordance with Article L.621-8-1-I of the French Code monétaire et financier, the
visa has been granted following an examination by the AMF of "whether the document is complete and
comprehensible, and whether the information in it is coherent." It does not imply that the AMF has verified the
accounting and financial data set out in it and the appropriateness of the issue of the Notes.


Sole Bookrunner and Global Coordinator
Crédit Agricole CIB

Joint Lead Managers
Banca IMI Lloyds Bank Nordea Santander Global Banking & Markets UniCredit Bank




The date of this Prospectus is 10 March 2015.






This Prospectus has been prepared for the purpose of giving information with respect to the Issuer and the
Crédit Agricole Group (as defined below) as well as the Notes which is necessary to enable investors to
make an informed assessment of the assets and liabilities, financial position, profit and losses and prospects
of the Issuer.

None of the Managers has independently verified the information contained in this Prospectus. Accordingly,
the Managers do not make any representation, express or implied, or accept any responsibility, with respect
to the accuracy or completeness of any of the information contained or incorporated by reference in this
Prospectus. Neither this Prospectus nor any other information supplied in connection with the offering of the
Notes is intended to provide the basis of any credit or other evaluation and should not be considered as a
recommendation by, or on behalf of, the Issuer or the Managers that any recipient of this Prospectus or any
other financial statements should purchase the Notes.

No person is authorised to give any information or to make any representation related to the issue, offering
or sale of the Notes not contained in this Prospectus. Any information or representation not so contained
herein must not be relied upon as having been authorised by, or on behalf of, the Issuer or the Managers.
The delivery of this Prospectus or any offering or sale of Notes at any time does not imply (i) that there has
been no change with respect to the Issuer or the Crédit Agricole Group, since the date hereof and (ii) that the
information contained or incorporated by reference in it is correct as at any time subsequent to its date. None
of the Managers undertakes to review the financial or general condition of the Issuer during the life of the
arrangements contemplated by this Prospectus nor to advise any investor or prospective investor in the
Notes of any information coming to its attention.

The Prospectus and any other information relating to the Issuer or the Notes should not be considered as an
offer, an invitation, a recommendation by any of the Issuer or the Managers to subscribe or purchase the
Notes. Each prospective investor of Notes should determine for itself the relevance of the information
contained in this Prospectus and its purchase of Notes should be based upon such investigation as it deems
necessary. Investors should review, inter alia, the documents incorporated by reference into this Prospectus
(see "Incorporation by Reference" below) when deciding whether or not to subscribe for or to purchase the
Notes. Investors should in particular conduct their own analysis and evaluation of risks relating to the Issuer,
the Crédit Agricole Group, their business, their financial condition and the issued Notes and consult their own
financial or legal advisers about risks associated with an investment in the Notes and the suitability of
investing in the Notes in light of their particular circumstances. Potential investors should read carefully the
section entitled "Risk Factors" set out in this Prospectus before making a decision to invest in the Notes.

The distribution of this Prospectus and the offering or the sale of the Notes in certain jurisdictions may be
restricted by law or regulation. Neither the Issuer, nor the Managers represent that this Prospectus may be
lawfully distributed, or that any Notes may be lawfully offered or sold, in compliance with any applicable
registration or other requirements in any such jurisdiction, or pursuant to an exemption available thereunder,
or assume any responsibility for facilitating any such distribution, offering or sale. In particular, no action has
been taken by the Issuer or the Managers which is intended to permit a public offering of any Notes or
distribution of this Prospectus in any jurisdiction where action for that purpose is required. Accordingly, no
Note may be offered or sold, directly or indirectly, and neither this Prospectus nor any offering material may
be distributed or published in any jurisdiction, except under circumstances that will result in compliance with
any applicable laws and regulations. Persons into whose possession this Prospectus comes are required by
the Issuer and the Managers to inform themselves about and to observe any such restrictions. For a further
description of certain restrictions on offers and sales of Notes and distribution of this Prospectus and of any
other offering material relating to the Notes, see "Subscription and Sale" below.

The Notes have not been and will not be registered under the U.S. Securities Act of 1933 as amended
(the "Securities Act"). The Notes may not be offered, sold or delivered within the United States or to, or for
the account or benefit of, U.S. persons (as defined in Regulation S under the Securities Act ("Regulation
S")) except in accordance with Regulation S.

In this Prospectus, references to "euro", "EUR" and "" refer to the lawful currency of the European Union
introduced at the start of the third stage of European economic and monetary union on January 1, 1999
pursuant to the Treaty establishing the European Community (signed in Rome on March 25, 1957), as
amended by the Treaty on European Union and as amended by the Treaty of Amsterdam.


2




TABLE OF CONTENTS

PERSON RESPONSIBLE FOR THE INFORMATION CONTAINED IN THE PROSPECTUS ................... 4
CERTAIN TERMS USED IN THIS PROSPECTUS ........................................................................................ 5
INCORPORATION BY REFERENCE ............................................................................................................. 6
CROSS-REFERENCE TABLE ....................................................................................................................... 10
PRESENTATION OF FINANCIAL INFORMATION ................................................................................... 18
OVERVIEW ..................................................................................................................................................... 21
SELECTED FINANCIAL INFORMATION ................................................................................................... 23
RISK FACTORS .............................................................................................................................................. 25
2016 MEDIUM-TERM PLAN ......................................................................................................................... 38
GOVERNMENT SUPERVISION AND REGULATION OF CREDIT INSTITUTIONS IN FRANCE ....... 42
TERMS AND CONDITIONS OF THE NOTES ............................................................................................. 49
OVERVIEW OF PROVISIONS RELATING TO THE NOTES WHILE IN GLOBAL FORM .................... 61
CAPITALIZATION ......................................................................................................................................... 63
USE OF PROCEEDS ....................................................................................................................................... 64
TAXATION ..................................................................................................................................................... 65
SUBSCRIPTION AND SALE ......................................................................................................................... 68
GENERAL INFORMATION .......................................................................................................................... 72






PERSON RESPONSIBLE FOR THE INFORMATION CONTAINED IN THE PROSPECTUS
Olivier Bélorgey, Directeur de la Gestion Financière of Crédit Agricole S.A.

Declaration by the person responsible for the Prospectus

To the best of my knowledge (having taken all reasonable care to ensure that such is the case), I hereby
certify that the information contained in this Prospectus is in accordance with the facts and contains no
omission likely to affect its import.

The consolidated and non-consolidated financial statements for the year ended 31 December 2013 of
Crédit Agricole S.A. are the subject of reports by the statutory auditors appearing on pages 477 to 478
and 533 to 534 of the RD, which each contain one observation. The consolidated financial statements
for the year ended 31 December 2013 of the Crédit Agricole Group are the subject of a report by the
statutory auditors appearing on pages 278 to 279 of the A.01, which contains one observation.

The interim condensed consolidated financial statements for the semester ended 30 June 2014 of
Crédit Agricole S.A. are the subject of a report by the statutory auditors. The report which is reproduced
on pages 226 to 227 of the A.03, contains one observation. The interim condensed consolidated
financial statements for the semester ended June 30, 2014 of the Crédit Agricole Group are the subject
of a report by the statutory auditors appearing on pages 1 to 3 of the Consolidated Financial Statements
1H2014 of the Crédit Agricole Group that contains one observation.



Crédit Agricole S.A.

12 place des Etats-Unis
92127 Montrouge Cedex
France

Duly represented by:

Olivier Bélorgey,
Directeur de la Gestion Financière
on 10 March 2015



4






CERTAIN TERMS USED IN THIS PROSPECTUS

When used in this Prospectus, the terms "Crédit Agricole S.A." and the "Issuer" refer to the issuer of the
Notes, Crédit Agricole S.A. The "Crédit Agricole S.A. Group" refers to Crédit Agricole S.A. and its
consolidated subsidiaries and associates. The "Crédit Agricole Group" refers to Crédit Agricole S.A., the
Caisses Régionales de Crédit Agricole (the "Regional Banks"), the Caisses Locales de Crédit Agricole (the
"Local Banks") and their respective consolidated subsidiaries, collectively.



5






INCORPORATION BY REFERENCE

This Prospectus should be read and construed in conjunction with the following documents, which have
been previously published and have been filed with the AMF and shall be incorporated in, and form part of,
this Prospectus (the "Documents Incorporated by Reference"):

1
the French version of the audited consolidated financial statements of the Crédit Agricole S.A. Group
for fiscal year 2011 and related notes and audit report (the "Consolidated Financial Statements
2011 for the Crédit Agricole S.A. Group"), which are extracted from the Issuer's 2011 Registration
Document filed with the AMF on 15 March 2012 under no. D.12-01601;

2
the French version of the audited consolidated financial statements of the Crédit Agricole Group for
fiscal year 2011 and related notes and audit report (the "Consolidated Financial Statements 2011
for the Crédit Agricole Group"), which are extracted from the update A.01 to the Issuer's 2011
Registration Document filed with the AMF on 27 March 2012 under no. D.12-0160-A.012;

3
the French version of the audited consolidated financial statements of the Crédit Agricole S.A. Group
for fiscal year 2012 and related notes and audit report (the "Consolidated Financial Statements
2012 for the Crédit Agricole S.A. Group"), which are extracted from the Issuer's 2012 Registration
Document filed with the AMF on 15 March 2013 under no. D.13-01413;

4
the French version of the audited consolidated financial statements of the Crédit Agricole Group for
fiscal year 2012 and related notes and audit report (the "Consolidated Financial Statements 2012
for the Crédit Agricole Group"), which are extracted from the update A.01 to the Issuer's 2012
Registration Document filed with the AMF on 3 April 2013 under no. D.13-0141-A.014;

5
the French version of the Issuer's 2013 Registration Document which was filed with the AMF on 21
March 2014 under no. D.14-0183 (the "RD")5;

6
the French version of the Issuer's 2014 Update A.01 to the RD which was filed with the AMF on 28
March 2014 under no. D.14-0183-A.01 (the "A.01") 6;

7
the French version of the Issuer's 2014 Update A.02 to the RD which was filed with the AMF on 7
May 2014 under no. D.14-0183-A.02 (the "A.02")7;

8
the French version of the Issuer's 2014 Update A.03 to the RD which was filed with the AMF on 8
August 2014 under no. D.14-0183-A.03 (the "A.03")8;

1 Free English translation of the Consolidated Financial Statements 2011 for the Crédit Agricole S.A. Group can be found on pages 255 to 382 of the
Issuer's 2011 Registration Document and the related audit report can be found on page 383 to 384 of the Issuer's 2011 Registration Document, which
may be obtained from the website of the Issuer (http://www.credit-agricole.com/en/Investor-and-shareholder). For ease of reference, the page numbering
of the free English translation of the Issuer's 2011 Registration Document is identical to the French version.
2 Free English translation of the Consolidated Financial Statements 2011 for the Crédit Agricole Group can be found on pages 121 to 246 of the update
A.01 to the Issuer's 2011 Registration Document and the related audit report can be found on pages 247 to 248 of the update A.01 to the Issuer's 2011
Registration Document, which may be obtained from the website of the Issuer (http://www.credit-agricole.com/en/Investor-and-shareholder). For ease of
reference, the page numbering of the free English translation of the update A.01 to the Issuer's 2011 Registration Document is identical to the French
version.
3 Free English translation of the Consolidated Financial Statements 2012 for the Crédit Agricole S.A. Group can be found on pages 269 to 398 of the
Issuer's 2012 Registration Document and the related audit report can be found on page 399 to 400 of the Issuer's 2012 Registration Document, which
may be obtained from the website of the Issuer (http://www.credit-agricole.com/en/Investor-and-shareholder). For ease of reference, the page numbering
of the free English translation of the Issuer's 2012 Registration Document is identical to the French version.
4 Free English translation of the Consolidated Financial Statements 2012 for the Crédit Agricole Group can be found on pages 125 to 251 of the update
A.01 to the Issuer's 2012 Registration Document and the related audit report can be found on pages 252 to 253 of the update A.01 to the Issuer's 2012
Registration Document, which may be obtained from the website of the Issuer (http://www.credit-agricole.com/en/Investor-and-shareholder). For ease of
reference, the page numbering of the free English translation of the update A.01 to the Issuer's 2012 Registration Document is identical to the French
version.
5 Free English translation of the RD may be obtained from the website of the Issuer (http://www.credit-agricole.com/en/Investor-and-shareholder). For ease
of reference, the page numbering of the free English translation of the RD is identical to the French version.
6 Free English translation of the A.01 may be obtained from the website of the Issuer (http://www.credit-agricole.com/en/Investor-and-shareholder). For
ease of reference, the page numbering of the free English translation of the A.01 is identical to the French version.
7 Free English translation of the A.02 may be obtained from the website of the Issuer (http://www.credit-agricole.com/en/Investor-and-shareholder). For
ease of reference, the page numbering of the free English translation of the A.02 is identical to the French version.
8 Free English translation of the A.03 may be obtained from the website of the Issuer (http://www.credit-agricole.com/en/Investor-and-shareholder). For
ease of reference, the page numbering of the free English translation of the A.03 is identical to the French version.


6






9
the French version of the unaudited interim condensed consolidated financial statements of the
Crédit Agricole Group as of and for the six months ended June 30, 2014 and related notes and
limited review report (the "Consolidated Financial Statements 1H2014 of the Crédit Agricole
Group")9;

10 the French version of the Issuer's 2014 Update A.04 to the RD which was filed with the AMF on 7
November 2014 under no. D.14-0183-A.04 (the "A.04")10;

11 the French version of the press release published by the Issuer on 18 February 2015 announcing the
Issuer's financial results for the 4th quarter of 2014 and the 2014 financial year (the "2014 Results
Press Release")11 ;
12 the French version of the investor presentation, including the appendices (annexes) published by the
Issuer on 18 February 2015 relating to the Issuer's financial results for the 4th quarter of 2014 and
the 2014 financial year (the "2014 Results Presentation")12 ;
13 the French version of the unaudited consolidated financial statements of the Crédit Agricole S.A.
Group for fiscal year 2014 and related notes which were adopted by the Board of Directors of Crédit
Agricole S.A. on 17 February 2015 and are not yet ready to be approved by the shareholders of
Crédit Agricole S.A. (the "Unaudited Consolidated Financial Statements 2014 for the Crédit
Agricole S.A. Group")13;

14 the French version of the unaudited non-consolidated financial statements of Crédit Agricole S.A. for
fiscal year 2014 and related notes which were adopted by the Board of Directors of Crédit Agricole
S.A. on 17 February 2015 and are not yet ready to be approved by the shareholders of Crédit
Agricole S.A. (the "Unaudited Non-Consolidated Financial Statements 2014 for Crédit Agricole
S.A.")14; and

15 the French version of the unaudited consolidated financial statements of the Crédit Agricole Group
for fiscal year 2014 and related notes which were adopted by the Board of Directors of Crédit
Agricole S.A. on 17 February 2015 (the "Unaudited Consolidated Financial Statements 2014 for
the Crédit Agricole Group")15;

except that:

(A)
the inside cover page of the RD shal not be deemed incorporated herein;

(B)
the section relating to the filing of the RD with the AMF on page 1 of the RD shal not be
deemed incorporated herein;


9 Free English translation of the Consolidated Financial Statements 1H2014 of the Crédit Agricole Group may be obtained from the website of the Issuer
(http://www.credit-agricole.com/en/Investor-and-shareholder). For ease of reference, the page numbering of the free English translation of the
Consolidated Financial Statements 1H2014 of the Crédit Agricole Group is identical to the French version.
10 Free English translation of the A.04 may be obtained from the website of the Issuer (http://www.credit-agricole.com/en/Investor-and-shareholder). For
ease of reference, the page numbering of the free English translation of the A.04 is identical to the French version.
11 Free English translation of the 2014 Results Press Release may be obtained from the website of the Issuer (http://www.credit-agricole.com/en/Investor-
and-shareholder). For ease of reference, the page numbering of the free English translation of the 2014 Results Press Release is identical to the French
version.
12 Free English translation of the 2014 Results Presentation may be obtained from the website of the Issuer (http://www.credit-agricole.com/en/Investor-
and-shareholder). For ease of reference, the page numbering of the free English translation of the 2014 Results Presentation is identical to the French
version.
13 Free English translation of the Unaudited Consolidated Financial Statements 2014 for the Crédit Agricole S.A. Group may be obtained from the website
of the Issuer (http://www.credit-agricole.com/en/Investor-and-shareholder). For ease of reference, the page numbering of the free English translation of
the Unaudited Consolidated Financial Statements 2014 for the Crédit Agricole S.A. Group is identical to the French version.
14 Free English translation of the Unaudited Non-Consolidated Financial Statements 2014 for Crédit Agricole S.A is expected to be published on the website
of the Issuer (http://www.credit-agricole.com/en/Investor-and-shareholder) on or about 3 March 2015. For ease of reference, the page numbering of the
free English translation of the Unaudited Non-Consolidated Financial Statements 2014 for Crédit Agricole S.A. is identical to the French version.
15 Free English translation of the Unaudited Consolidated Financial Statements 2014 for the Crédit Agricole Group may be obtained from the website of the
Issuer (http://www.credit-agricole.com/en/Investor-and-shareholder). For ease of reference, the page numbering of the free English translation of the
Unaudited Consolidated Financial Statements 2014 for the Crédit Agricole Group is identical to the French version.



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