Obligation Crédit Agricole SA 0% ( FR0014006YK0 ) en EUR

Crédit Agricole SA

100 % ⇌

France

FR0014006YK0 ( en EUR )

02/12/2024 - Obligation échue

Prospectus brochure de l'obligation Crédit Agricole FR0014006YK0 en EUR 0%, échue

100 000 EUR

50 000 000 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.

L'Obligation émise par Crédit Agricole SA ( France ) , en EUR, avec le code ISIN FR0014006YK0, paye un coupon de 0% par an.
Le paiement des coupons est annuel et la maturité de l'Obligation est le 02/12/2024

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 (ii) 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 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 (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 (ii) 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 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 manufacturers'
target market assessment) and determining appropriate distribution channels.

Final Terms dated 30 November 2021

Crédit Agricole S.A.
Legal Entity Identifier (LEI): 969500TJ5KRTCJQWXH05

Euro 80,000,000,000
Euro Medium Term Note Programme
Series No: 613
Tranche No: 1
Issue of EUR 50,000,000 Senior Preferred Fixed Rate Notes due 2 December 2024
(the "Notes")

Issued by: Crédit Agricole S.A. (the "Issuer")

Dealer
Credit Agricole Corporate and Investment 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 shall 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, the second supplement to it
dated 23 August 2021 which has received approval no. 21-366 from the AMF on 23 August
2021 and the third supplement to it dated 23 November 2021 which has received approval no.
21-501 from the AMF on 23 November 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. Full 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:
613
(ii)
Tranche
Number:
1

(iii)
Date on which the Notes
Not Applicable
become fungible:
3.
Specified Currency or Currencies:
Euro ("EUR")
4.
Aggregate Nominal Amount:

(i)
Series:
EUR 50,000,000
(ii)
Tranche:
EUR
50,000,000
5.
Issue Price:
100.33 per cent. of the Aggregate Nominal
Amount
6.
Specified Denomination:
EUR 100,000
7.
(i)
Issue Date:
2 December 2021

(ii) Interest
Commencement
Issue Date
Date:
8.
Maturity Date:
2 December 2024
9.
Interest Basis:
0.00 per cent. Fixed Rate
(further particulars specified in paragraph
15 below)
10.
Redemption Basis:
Subject to any purchase and cancellation or
early redemption, the Notes will be
redeemed on the Maturity Date at 100.00
per cent. of their nominal amount
11.

Change of Interest Basis:
Not Applicable

4

12.

Put/Call Options:
Not Applicable
13.

Status:
Senior Preferred Notes
14.
Dates of the corporate
Resolution of the Board of Directors of the
authorisations for issuance of the
Issuer dated 10 February 2021 and the Final
Notes:
Terms dated 30 November 2021 which
constitute the décision d'émission
Provisions Relating to Interest (if any) Payable

15.

Fixed Rate Note:
Applicable
(i)
Rate of Interest:
0.00 per cent. per annum payable annually
in arrear on each Interest Payment Date
(ii)
Interest
Payment
Dates:
2 December in each year, from (and
including) 2 December 2022, up to (and
including) the Maturity Date

(iii)
Fixed Coupon Amount:
EUR 0 per Specified Denomination payable
on each Interest Payment Date

(iv)
Broken Amount:
Not Applicable

(v)
Day Count Fraction:
Actual/360, Unadjusted

(vi)
Determination Dates:
Not Applicable
(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 (Call Option):
21.

Clean-up Redemption Option:
Not Applicable
22.

Redemption at the Option of
Not Applicable
Noteholders (Put Option):
23.
(i) MREL/TLAC
Not Applicable
Disqualification Event Call
Option:

(ii) Early Redemption Amount:
Final Redemption Amount
24.

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

Early Redemption Amount of each
EUR 100,000 per Note of EUR 100,000
Note:
Specified Denomination
26.
Make-Whole Redemption Amount:
Not Applicable

5

27.
Events of Default (option only
Not Applicable
available for Senior Preferred
Notes):
General Provisions Applicable to the Notes

28.
(i)
Form of Notes (Bearer
Dematerialised Notes
Notes):

(ii)
Form of Dematerialised
Bearer dematerialised form (au porteur)
Notes:

(iii) 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 French Contractual Masse shall apply
Law Notes Masse:

Primary Appointed Representative: as per
the Conditions F&S Financial Services, 8.
rue du Mont Thabor, 75001 Paris, France

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, will
be equal to EUR 400 per year (excluding
taxes), payable as per the Conditions.

6

Responsibility
I hereby accept responsibility for the information contained in these Final Terms.
Signed on behalf of the Issuer on 30 November 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
2 December 2021

(ii) Estimate of total expenses related to
EUR 2,600 (without tax)

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 very 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 will be used for the Issuer's general
funding requirements
(ii)
Estimated net proceeds:
EUR 50,150,000

5. YIELD
Indication of yield:
-0.108 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
following 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:
FR0014006YK0
(ii)
Common Code:
241791149

(iii)
Any clearing system(s) other

than Euroclear Bank SA/NV and
Clearstream Banking Société

Anonyme and the relevant
Euroclear France
identification number(s):
(iv)
Delivery:
Delivery against payment

(v)
Names and addresses of Paying
CACEIS Corporate Trust

Agent(s) (including any
14, rue Rouget de Lisle
additional Paying Agent(s)):
92682 Issy Les Moulineaux
Cedex 9 France

7. DISTRIBUTION
1. Method of distribution:
Non-syndicated
2. If syndicated,
Not Applicable

3. If non-syndicated, name of Dealer:
Credit Agricole Corporate and Investment Bank

4. Intermediary(ies) in secondary
Not Applicable

trading:
5. U.S. Selling Restrictions:
Reg. S Compliance Category 2; TEFRA Not

Applicable
6. Prohibition of Sales to EEA Retail
Not Applicable

Investors under the PRIIPs
Regulation:
7. Prohibition of Sales to UK Retail
Not Applicable

Investors under the UK PRIIPs
Regulation:
8. Additional Selling Restrictions:
Not Applicable

9. Specific Consent:
Not Applicable

10. General Consent:
Not Applicable

10