Obligation Crédit Agricole SA 6.75% ( FR001400CW87 ) en AUD

Crédit Agricole SA

100 % ⇌

France

FR001400CW87 ( en AUD )

6.75% par an ( paiement annuel )

29/09/2042

Prospectus brochure de l'obligation Crédit Agricole FR001400CW87 en AUD 6.75%, échéance 29/09/2042

200 000 AUD

30 000 000 AUD

29/09/2025 ( Dans 66 jours )

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 AUD, avec le code ISIN FR001400CW87, paye un coupon de 6.75% par an.
Le paiement des coupons est annuel et la maturité de l'Obligation est le 29/09/2042

DocuSign Envelope ID: F30BA5AE-9878-4CAC-B04F-4F9259281407
FINAL TERMS
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 ) al channels for distribution of the Notes to eligible
counterparties and professional clients are appropriate. Any person subsequently offering, sel ing or
recommending the Notes (a "distributor") should take into consideration the manufacturers target
market assessment; however, a distributor subject to MiFID I 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 ) al channels for distribution of the Notes to eligible counterparties and
professional clients are appropriate. Any person subsequently offering, sel ing 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.

DocuSign Envelope ID: F30BA5AE-9878-4CAC-B04F-4F9259281407
Final Terms dated 27 September 2022
Crédit Agricole S.A.
Legal Entity Identifier (LEI) of the Issuer:
969500TJ5KRTCJQWXH05
Euro 85,000,000,000
Euro Medium Term Note Programme
Series No.: 642
Tranche No.: 1
Issue of AUD 30,000,000 Subordinated Tier 2 Fixed Rate Notes due September 2042
(the "Notes")
Issued by: Crédit Agricole S.A. (the "Issuer")
Dealer
Mizuho Securities Europe GmbH
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 Notes are not intended to be offered, sold or otherwise made available to, and should not
be offered, sold or otherwise made available to, any consumer (consument / consommateur)
within the meaning of the Belgian Code of Economic Law (Wetboek van economisch
recht/Code de droit économique), as amended, in Belgium.
The expression "Prospectus Regulation" means Regulation (EU) No 2017/1129, as
amended.
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 8
April 2022 which has received approval no. 22-090 from the Autorité des marchés financiers
(the "AMF") on 8 April 2022, the first supplement to it dated 17 May 2022 which has received
approval no. 22-158 from the AMF on 17 May 2022, the second supplement to it dated 27
June 2022 which has received approval no. 22-246 from the AMF on 27 June 2022 and the
third supplement to it which has received approval no. 22-353 from the AMF on 17 August

DocuSign Envelope ID: F30BA5AE-9878-4CAC-B04F-4F9259281407

2022, 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:
642

(i )
Tranche Number:
1

(i i)
Date on which the Notes become Not Applicable
fungible:
3.

Specified Currency or Currencies:
Australian Dol ar ("AUD")
4.

Aggregate Nominal Amount:

(i)
Series:
AUD 30,000,000

(i )
Tranche:
AUD 30,000,000
5.

Issue Price:
100.00 per cent. of the
Aggregate Nominal Amount
6.

Specified Denomination:
AUD 200,000
7.

(i)
Issue Date:
29 September 2022

(i )
Interest Commencement Date:
Issue Date
8.

Maturity Date:
29 September 2042
9.

Interest Basis:
6.75 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 nominal amount
11.

Change of Interest Basis:
Not Applicable
12.

Noteholder Put/Issuer Cal :
Not Applicable
13.

Status:
Subordinated Notes
14.

Dates of the corporate authorisations for Resolutions of the Board of
issuance of the Notes:
Directors of the Issuer dated 9
February 2022 and the Final
Terms dated 27 September

DocuSign Envelope ID: F30BA5AE-9878-4CAC-B04F-4F9259281407
2022 which constitute the
décision d'émission
Provisions Relating to Interest (if any) Payable
15.
Fixed Rate Note:
Applicable
(i)
Rate of Interest:
6.75 per cent. per annum
payable annual y in arrear on
each Interest Payment Date
(i )
Interest Payment Date(s):
29 September in each year
from (and including) 29
September 2023 up to (and
including) 29 September 2042
(iv)
Fixed Coupon Amount:
AUD 13,500 per Specified
Denomination, payable on
each Interest Payment Date
(v)
Broken Amount:
Not Applicable
(vi)
Day Count Fraction:
30/360, not adjusted
(vii)
Determination Dates:
Not Applicable
(vii )
Resettable Notes:
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 Issuer
Not Applicable
(Issuer Cal ):
21.
Clean-up Redemption Option:
Not Applicable
22.
Redemption at the Option of Noteholders
Not Applicable
(Noteholder Put):
23.
(i) MREL/TLAC Disqualification Event
Applicable
Cal Option:
(ii) Early Redemption Amount:
Final Redemption Amount
24.
Final Redemption Amount of each Note:
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 outstanding principal
amount
25.
Early Redemption Amount of each Note:
AUD 200,000 per Note of
AUD 200,000 Specified
Denomination

DocuSign Envelope ID: F30BA5AE-9878-4CAC-B04F-4F9259281407

26.
Make-Whole Redemption Amount:
Not Applicable
28. General Provisions Applicable to the Notes

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

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

(i i)
Registration Agent:
Not Applicable

(iv)
Calculation Agent(s) (if not the
Not Applicable
Fiscal Agent):

(iv)
Temporary Global Certificate:
Not Applicable
29.

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

Financial Center(s):
Sydney
31.

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

Details relating to Instalment Notes:
Not Applicable
amount of each Instalment, date on which
each payment is to be made:
33.

Applicable tax regime:
Condition 9(a) applies
34.

Representation of holders of French Law
Contractual Masse shal apply
Notes Masse:
Primary
Appointed
Representative: as per the
Conditions F&S Financial
Services, 13 rue Oudinot,
75007 Paris
Alternate
Appointed
Representative: as per the
Conditions Aether Financial
Services, 36 rue de Monceau,
75008 Paris
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 300 per
year
(excluding
taxes),
payable as per the Conditions.

DocuSign Envelope ID: F30BA5AE-9878-4CAC-B04F-4F9259281407

Responsibility
I hereby accept responsibility for the information contained in these Final Terms.
Signed on behalf of the Issuer on 27 September 2022
Duly represented by: Laurent Côte

DocuSign Envelope ID: F30BA5AE-9878-4CAC-B04F-4F9259281407
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 the Issue Date.
(i )
Estimate of total expenses
EUR 12,500
related to admission to trading:
2.
RATINGS
The Notes to be issued have been rated:
Standard & Poor's: BBB+
Moody's: Baa1
Fitch: A-
Standard & Poor's, Moody's and Fitch are
established in the European Union and are
registered under Regulation (EC) No
1060/2009 (the "CRA Regulation"). 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, a "BBB+"
rating means adequate capacity to meet
financial commitments, but more subject to
adverse economic conditions.
"Obligations rated "Baa1" by Moody's are
judged to be subject to moderate credit risk.
They are considered medium-grade and as
such may possess speculative characteristics.
As defined by Fitch, an "A-" rating denotes
expectations of low credit risk. The capacity for
payment of financial commitments is
considered strong. This capacity may,
nevertheless, be more vulnerable to adverse
business or economic conditions than is the
case for higher ratings. The modifier (-) is
appended to denote relative status within this
category.

DocuSign Envelope ID: F30BA5AE-9878-4CAC-B04F-4F9259281407

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, 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:
AUD 29,922,000
5.
Fixed Rate Notes and Resettable Notes only -- YIELD
Indication of yield:
6.75 per cent. per annum
6.
OPERATIONAL INFORMATION
(i)
ISIN:
FR001400CW87
(i ) Common Code:
253876735
(i i) Any clearing system(s) other than Not Applicable
Euroclear Bank SA/NV
and
Clearstream Banking Société
Anonyme and the relevant
identification number(s):
(iv) Delivery:
Delivery against payment
(v) Names and addresses of Paying CACEIS Corporate Trust
Agent(s) (including any additional 14, rue Rouget de Lisle
Paying Agent(s)):
92682 Issy Les Moulineaux
Cedex 9 France
7.
DISTRIBUTION
1.
Method of distribution:
Non-syndicated
2.

If syndicated,

(i)
Names of Managers Not Applicable
(specifying
Lead
Manager):

(i )
Date of Subscription Not Applicable
Agreement (if any):

(i i)
Material features of Not Applicable
the
Subscription
Agreement (if any):

(iv)
Stabilisation
Not Applicable
Manager(s) (if any):
3.

If non-syndicated, name and Mizuho Securities Europe GmbH,
address of Dealer:
Taunustor 1, 60310 Frankfurt am Main,
Germany

DocuSign Envelope ID: F30BA5AE-9878-4CAC-B04F-4F9259281407

4.
Intermediary(ies) in
Not Applicable
secondary trading
6.

U.S. Sel ing Restrictions
Reg. S Compliance Category 2; TEFRA
not applicable
7.

Prohibition of Sales to EEA Not Applicable
Retail Investors under the
PRI Ps Regulation:

Prohibition of Sales to UK
Not Applicable
Retail Investors under the

UK PRI Ps Regulation:

8.

Additional Sel ing
Not Applicable
Restrictions:

9.

Non-Exempt Offer:
Not Applicable
10.

Specific Consent:
Not Applicable
11.

General Consent:
Not Applicable