Obligation Crédit Agricole SA 0.117% ( FR0014006284 ) en EUR

Crédit Agricole SA

100 % ⇌

France

FR0014006284 ( en EUR )

0.117% par an ( paiement annuel )

30/06/2026 - Obligation échue

Prospectus brochure de l'obligation Crédit Agricole FR0014006284 en EUR 0.117%, échue

100 000 EUR

335 000 000 EUR

Crédit Agricole est un groupe bancaire coopératif français, présent à l'international, structuré autour de caisses régionales et proposant une large gamme de services financiers.

Le Crédit Agricole a remboursé le 30 juin 2026 une obligation (FR0014006284) émise en France pour un montant total de 335 000 000 EUR, au taux de 0,117%, avec une taille minimale d'achat de 100 000 EUR et une fréquence de paiement annuelle, son prix ayant atteint 100% à maturité.

MIFID II product governance / Professional investors and ECPs only target market Solely for
the purposes of each manufacturer's product approval process, the target market assessment in
respect of the Notes, taking into account the five categories referred to in item 18 of the Guidelines
published by ESMA on 5 February 2018 has led to the conclusion that: (i) the target market for the
Notes is eligible counterparties and professional clients only, each as defined in Directive (EU)
2014/65 (as amended, "MiFID II"); and (i ) all channels for distribution of the Notes to eligible
counterparties and professional clients are appropriate. Any person subsequently offering, selling or
recommending the Notes (a "distributor") should take into consideration the manufacturers' target
market assessment; however, a distributor subject to MiFID II is responsible for undertaking its own
target market assessment in respect of the Notes (by either adopting or refining the manufacturers'
target market assessment) and determining appropriate distribution channels.
UK MIFIR product governance / Professional investors and ECPs only target market
Solely for the purposes of the manufacturer's product approval process, the target market
assessment in respect of the Notes, taking into account the five categories referred to in
item 18 of the Guidelines published by ESMA on 5 February 2018 (in accordance with the
FCA's policy statement entitled "Brexit our approach to EU non-legislative materials"), has
led to the conclusion that: (i) the target market for the Notes is only eligible counterparties,
as defined in the FCA Handbook Conduct of Business Sourcebook ("COBS"), and
professional clients, as defined in Regulation (EU) No 600/2014 as it forms part of UK
domestic law by virtue of the European Union (Withdrawal) Act 2018 ("UK MiFIR"); and (i )
all channels for distribution of the Notes to eligible counterparties and professional clients
are appropriate. Any person subsequently offering, selling or recommending the Notes (a
"distributor") should take into consideration the manufacturer's target market assessment;
however, a distributor subject to the FCA Handbook Product Intervention and Product
Governance Sourcebook (the "UK MiFIR Product Governance Rules") is responsible for
undertaking its own target market assessment in respect of the Notes (by either adopting or
refining the manufacturer's target market assessment) and determining appropriate
distribution channels.

Final Terms dated 15 October 2021
Crédit Agricole S.A.
Legal Entity Identifier (LEI) of the Issuer is 969500TJ5KRTCJQWXH05
Euro 80,000,000,000
Euro Medium Term Note Programme
Series No: 610
Tranche No: 1
Issue of EUR 335,000,000 Senior Preferred Fixed Rate Notes due 30 June 2026
(the "Notes")
Issued by: Crédit Agricole S.A. (the "Issuer")
Lead Manager and Sole Bookrunner
Crédit Agricole CIB
Co-Lead Managers
BayernLB
DZ Bank
2

Any person making or intending to make an offer of the Notes may only do so in
circumstances in which no obligation arises for the Issuer or any Dealer to publish a
prospectus pursuant to Article 3 of the Prospectus Regulation or supplement a
prospectus pursuant to Article 23 of the Prospectus Regulation, in each case, in
relation to such offer.
Neither the Issuer nor any Dealer has authorised, nor do they authorise, the making
of any offer of Notes in any other circumstances.
The expression "Prospectus Regulation" means Regulation (EU) No 2017/1129, as
amended.
3

Part A -- Contractual Terms
Terms used herein shal be deemed to be defined as such for the purposes of the
Conditions set forth in "Terms and Conditions of the French Law Notes" in the base
prospectus dated 12 April 2021 which has received approval no. 21-101 from the
Autorité des marchés financiers (the "AMF") on 12 April 2021, the first supplement to
it dated 27 May 2021 which has received approval no. 21-185 from the AMF on 27
May 2021 and the second supplement to it dated 23 August 2021 which has received
approval no. 21-366 from the AMF on 23 August 2021 which together constitute a
base prospectus for the purposes of the Prospectus Regulation (the "Base
Prospectus"). This document constitutes the Final Terms of the Notes described
herein for the purposes of Article 8 of the Prospectus Regulation and must be read in
conjunction with the Base Prospectus. Ful information on the Issuer and the offer of
the Notes is only available on the basis of the combination of these Final Terms and
the Base Prospectus. The Base Prospectus is available for viewing on the website of
the
Issuer
(https://www.credit-agricole.com/finance/finance/dette/emissions-
marche/credit-agricole-s.a.-emissions-marche), on the website of the AMF (www.amf-
france.org) and copies may be obtained from Crédit Agricole S.A., 12, place des États-
Unis, 92127 Montrouge Cedex, France.
1.
Issuer:
Crédit Agricole S.A.
2.
(i)
Series Number:
610
(i )
Tranche Number:
1
(i i)
Date on which the
Not Applicable
Notes become fungible:
3.
Specified Currency or
Euro ("EUR")
Currencies:
4.
Aggregate Nominal Amount:
(i)
Series:
EUR 335,000,000
(i )
Tranche:
EUR 335,000,000
5.
Issue Price:
100.00 per cent. of the Aggregate
Nominal Amount
6.
Specified Denomination:
EUR 100,000
7.
(i)
Issue Date:
19 October 2021
(i )
Interest
Issue Date
Commencement Date:
8.
Maturity Date:
30 June 2026
9.
Interest Basis:
0.117 per cent. Fixed Rate
(further particulars specified in
paragraph 15 below)
10.
Redemption Basis:
Subject to
any purchase
and
cancel ation or early redemption, the
Notes wil be redeemed on the Maturity
Date at 100.00 per cent. of their
4

nominal amount
11.

Change of Interest Basis:
Not Applicable
12.

Put/Cal Options:
Not Applicable
13.

Status:
Senior Preferred Notes
14.
Dates of the corporate
Resolution of the Board of Directors of
authorisations for issuance of
the Issuer dated 10 February 2021 and
the Notes:
the décision d'émission dated 15
October 2021
Provisions Relating to Interest (if any) Payable
15.

Fixed Rate Note:
Applicable
(i)
Rate of Interest:
0.117 per cent. per annum payable
annual y in arrear on each Interest
Payment Date
(i )
Interest Payment Dates: 30 June in each year, from, and
including, 30 June 2022, up to, and
including, the Maturity Date
(i i)
Fixed Coupon Amount: EUR 117 per Specified Denomination
payable on each Interest Payment
Date, except for the amount payable in
respect of the first short Interest Accrual
Period beginning on, and including, the
Interest Commencement Date and
ending on, but excluding, the Interest
Payment Date fal ing on 30 June 2022
which shal be the Broken Amount
(iv)
Broken Amount:
EUR 81.42 per Specified
Denomination, payable on the Interest
Payment Date fal ing on 30 June 2022
(v)
Day Count Fraction:
Actual/Actual-ICMA, Unadjusted
(vi)
Determination Dates:
30 June in each year
(vii)
Resettable:
Not Applicable
16.

Floating Rate Note:
Not Applicable
17.

Zero Coupon Note:
Not Applicable
18.

CMS Linked Note:
Not Applicable
19.

Inflation Linked Notes:
Not Applicable
Provisions Relating to Redemption
20.

Redemption at the Option of the
Not Applicable
Issuer (Cal Option):
21.

Clean-up Redemption Option:
Not Applicable
22.

Redemption at the Option of
Not Applicable
Noteholders (Put Option):
5

23.
(i) MREL/TLAC
Not Applicable
Disqualification Event Cal
Option:
(i ) Early Redemption
Final Redemption Amount
Amount:
24.

Final Redemption Amount of
Subject to
any purchase
and
each Note:
cancel ation or early redemption, the
Notes wil be redeemed on the Maturity
Date at 100.00 per cent. of their
outstanding principal amount
25.

Early Redemption Amount of
EUR 100,000 per Note of EUR 100,000
each Note:
Specified Denomination
26.
Make-Whole Redemption
Not Applicable
Amount:
27.
Events of Default:
Not Applicable
General Provisions Applicable to the Notes
28.
(i)
Form of Notes (Bearer
Dematerialised Notes
Notes):
(i )
Form of Dematerialised Bearer dematerialised form (au
Notes:
porteur)
(i i)
Registration Agent:
Not Applicable
(iv)
Temporary Global
Not Applicable
Certificate:
29.

Exclusion of the possibility to
Not Applicable
request identification of a
Noteholder as Provided by
Condition 1(a):
30.

Financial Center:
TARGET2
31.

Talons for future Coupons or
Not Applicable
Receipts to be attached to
Definitive Materialised Bearer
Notes (and dates on which such
Talons mature):
32.

Details relating to Instalment
Not Applicable
Notes:
33.

Applicable tax regime:
Condition 8(a) applies
34.

Representation of holders of
Contractual Masse shal apply
French Law Notes Masse:
Primary Appointed Representative: as
per the Conditions F&S Financial
Services, 8. rue du Mont Thabor, 75001
Paris, France
6

Alternate Appointed Representative: as
per the Conditions Aether Financial
Services, 36. rue de Monceau, 75008
Paris, France
Remuneration: as per the Conditions
the remuneration of the Primary
Appointed Representative or, as the
case may be, the Alternate Appointed
Representative, wil be equal to EUR
400 per year (excluding taxes), payable
as per the Conditions.
Responsibility
I hereby accept responsibility for the information contained in these Final Terms.
Signed on behalf of the Issuer on 15 October 2021
Duly represented by: Nadine Fedon
7

PART B OTHER INFORMATION
1. LISTING AND ADMISSION TO TRADING
(i) Listing:
Application has been made for the Notes to be
admitted to trading on Euronext Paris with effect
from 19 October 2021
(i ) Estimate of total expenses related EUR 4,850 (without tax)
to admission to trading:
2. RATINGS
The Notes to be issued have been rated:
Standard & Poor's: A+
Moody's: Aa3
Fitch: AA-
Standard & Poor's, Moody's and Fitch are
established in the European Union or in the
United Kingdom and are registered under
Regulation (EC) No 1060/2009 (the "CRA
Regulation") or under the CRA Regulation as it
forms part of UK domestic law by virtue of the
European Union (Withdrawal) Act 2018 (the
"EUWA"). As such, Standard & Poor's, Moody's
and Fitch are included in the list of credit rating
agencies published by the European Securities
and Market Authority on its website in
accordance with the CRA Regulation
(www.esma.europa.eu/supervision/credit-rating-
agencies/risk).
As defined by Standard & Poor's, an "A" rating
means that the Issuer's capacity to meet its
financial commitment on the obligation is strong
but somewhat susceptible to adverse economic
conditions. The addition of a plus (+) sign shows
relative standing within that rating categories.
As defined by Moody's, obligations rated "Aa3"
are judged to have a high-grade credit quality
and thus subject to very low credit risk. The
modifier 3 indicates a ranking in the lower end of
that generic rating category.
8

As defined by Fitch, an "AA" rating denotes
expectations of low default risk. It indicates very
strong capacity for payment of financial
commitments. This capacity is not significantly
vulnerable to foreseeable events. The modifier (-
) is appended to denote relative status within
this category.
3. INTERESTS OF NATURAL AND LEGAL PERSONS INVOLVED IN THE ISSUE
Save as discussed in "Subscription and Sale" in the Base Prospectus, so far as the
Issuer is aware, no person involved in the issue of the Notes has an interest material
to the issue.
4. REASONS FOR THE OFFER AND ESTIMATED NET PROCEEDS
(i)
Reasons for the offer:
The net proceeds wil be used for the Issuer's
general funding requirements
(i )
Estimated net proceeds:
EUR 334,840,875
5. YIELD
Indication of yield:
0.117 per cent. per annum
The yield in respect of this issue of Fixed Rate
Notes is calculated on the basis of the Issue
Price using the fol owing formula:
P=
C (1-(1+r)-n) + A(1+r)-n
r
where:
P
is the Issue Price of the Notes;
C
is the Interest Amount;
A
is the outstanding principal amount of
Notes due on redemption;
n
is time to maturity in years; and
r
is the yield.
As set out above, the yield is calculated at the
Issue Date on the basis of the Issue Price. It is
not an indication of future yield.
6. OPERATIONAL INFORMATION
9

(i)
ISIN:
FR0014006284
(i )
Common Code:
240028247
(i i)
Any clearing system(s) other
than Euroclear Bank SA/NV
and Clearstream Banking
Société Anonyme and the
relevant identification
number(s):
Euroclear France
(iv)
Delivery:
Delivery against payment
(v)
Names and addresses of
CACEIS Corporate Trust
Paying Agent(s) (including
14, rue Rouget de Lisle
any additional Paying
92682 Issy Les Moulineaux
Agent(s)):
Cedex 9 France
7. DISTRIBUTION
1. Method of distribution:
Syndicated
2. If syndicated,
(i)
Names of Managers
Lead Manager and Sole Bookrunner
(specifying Lead
Crédit Agricole Corporate and Investment Bank
Manager):
Co-Lead Managers
Bayerische Landesbank
DZ BANK AG Deutsche Zentral-
Genossenschaftsbank, Frankfurt am Main
(i )
Date of Subscription
15 October 2021
Agreement (if any):
(i i)
Stabilisation Manager(s)
Crédit Agricole Corporate and Investment Bank
(if any):
3. If non-syndicated, name of
Not Applicable
Dealer:
4. Intermediary(ies) in secondary
Not Applicable
trading
5. U.S. Sel ing Restrictions
Reg. S Compliance Category 2; TEFRA Not
Applicable
10