International business (MNC) and large corporate

CREDIT AGRICOLE GLOBAL PRESENCE

Global presence in

47coutries

51million clients

141 000employees

€6.8bln shareholder's equity Group share

€107.7 bln shareholder’s equity

2

OsloStockholm

Helsinki

Moscow

London

Hamburg

BrusselsLuxembourg

Warsaw

Kyiv

FrankfurtVienna

ParisGeneva

BucharestBelgradeMilan

MadridPiraeus

MontrealToronto

Chicago

New York

Houston

Mexico

Bogota

Sao Paulo

SantiagoBuenos Aries

Casablanca Algers Cairo

Yerevan

Mumbay

Dubai

Abu Dhabi

BeijngSeoul

Tokyol

Shanghai

TaipeiHong Kong

Singapore

Jakarta

Sydney

Credit Agricole is one of the largest banking groups

in Europe and the main partner of the French economy

A-1Short-term

A+Long-term

Stable

outlook

F1Short-term

A+Long-term

Stable

outlook

Standard

&Poor’s

Fitch

Rating

Mood’s

DBRS

P-1Short-term

A1Long-term

Positive

outlook

R-1Short-term

ALong-term

Stable

outlook

Update March 15 2019

Rank Bank Name Country $m Tier Capital

1 ICBC China 337 539

2 China Construction Bank China 287 461

3 Bank of China China 229 970

4 Agricultural Bank of China China 242 895

5 JP Morgan Chase & Co US 209 093

6 Bank of America US 189 038

7 Wells Fargo & Co US 167 866

8 Citigroup US 158 122

9 HSBC Holdings UK 147 142

10 Mitsubishi UFJ Financial Group Japan 146 739

11 Bank of Communications China 101 435

12 Credit Agricole France 100 887

13 BNP Paribas France 97 605

14 Sumitomo Mitsui Financial Group Japan 96 712

15 Banco Santander Spain 89 328

16 Goldman Sachs US 83 702

17 Mizuho Financial Group Japan 83 233

18 Norinchukin Bank Japan 76 540

19 China Merchants Bank China 75 392

20 Groupe BPCE France 71 864

Rank Bank Name Country $m Tier Capital

1 ICBC China 4 043 728

2 China Construction Bank China 3 390 174

3 Agricultural Bank of China China 3 300 653

4 Bank of China China 3 104 712

5 Mitsubishi UFJ Financial Group Japan 2 805 075

6 JP Morgan Chase & Co US 2 622 532

7 HSBC Holdings UK 2 558 124

8 Bank of America US 2 354 980

9 BNP Paribas France 2 345 789

10 Credit Agricole France 2 131 911

11 Citigroup US 1 917 383

12 Wells Fargo & Co US 1 895 883

13 Sumitomo Mitsui Financial Group Japan 1 836 090

14 Mizuho Financial Group Japan 1 810 244

15 Banco Santander Spain 1 677 323

16 Deutsche Bank Germany 1 549 583

17 Societe Generale France 1 505 090

18 Groupe BPCE France 1 464 283

19 Barclays UK 1 434 535

20 Bank of Communications China 1 391 412

Credit Agricole is

Europe’s No.2 Bank

by Tire One Capital

and No.2 Bank by

Tire One by Totals

Assets

Source: The Banker,

July 2019

TOP-20 BY TIER ONE CAPITAL 2018 YE TOP-20 BY TOTAL ASSETS 2018 YE

Financial capacity of Credit Agricole Group is confirmed by high ratings from leading international rating agencies

3

mutual

shareholders

who hold mutual

shares in

10.1 m

Local Banks

2,432

CCA/CCI

Sacam

Mutualisation

Fédération

nationale du Crédit

Agricole (FNCA)

Float

Institutional investors

Individual shareholders

Employee share

ownership plans (ESOP)

Treasury shares

31.9%

7.3%

4.4%0.1%

43.7%

Business and

Subsidiaries

Large

Customers

Retail

Banking

Specialised

Financial

Services

Asset

Gathering

(1) Through SAS Rue La Boétie, the Regional Bank of Corsica, 99.9% owned

by Crédit Agricole S.A., is a shareholder of Sacam Mutualisation

4

Crédit Agricole Group – a stable shareholding structure

Crédit Agricole

Regional Banks

jointly holding the majority

of Credit Agricole S.A.’s

share capital(1)

39

25%

100%

56.3%

The Crédit Agricole Group

includes Crédit Agricole S.A.,

as well as all of the Regional

Banks and Local Banks and

their subsidiaries

Representation office

of Credit Lyonnais

worked in Odesa

Credit Lyonnais

Group founded

Credit Lyonnais

Bank Ukraine

in Kyiv

The Credit

Agricole Group

became the owner

of Index-Bank

CalyonBank Ukraine

was renamed to Credit

Agricole Corporate and

Investment Bank

Index-Bank was

renamed to Credit

Agricole Bank

A merge of 2

banks: Credit

Agricole CIB and

Credit Agricole Bank

Index-Bank

was founded

in Lviv

Сredit Lyinnais was

renamed to Calyon

Bank as part of Credit

Agricole Group

Among TOP 10

banks in the

country by NBU

The oldest foreign bank in Ukraine

5

For Private Customers:Daily banking

I-bank

Mobile banking

Safe deposit box

For Premium Customers:Premium package

Domestic government bonds (DGB)

Deposits

Premium manager

For MNC/LLC:Cash Flow Management

Foreign exchange/ Capital market products

Financing/ Trade finance

M&A transactions

Expats and individuals service

Payroll Projects

Information support

MID-CORPORATE

AND SME

CUSTOMERS

For SME:Cash management services

Currency operations

Liquidity management

Trade finance

Loans (ST & MT)

Leading bank with

portfolio more than

1000 International

customers

INTERNATIONAL

AND LARGE LOCAL

CORPORATE

CUSTOMERS

Crеdit Agricole Bank – is a client-centric universal bank 100% owned by the Credit Agricole Group (France)

RETAIL

For Agri-Agro:Loans (ST & MT):

• For replenishment of current assets

• For obtaining agricultural

machinery and equipment

Partnership programs

ААА (UKR)The highest possible long-term

national rating in Ukraine

No. 10NBU rating by the assets

(2019)

ТОР 7most profitable banks of

Ukraine (2019)

No. 1 in car loans

6

Сombination of strong international background and local experience.

Full scope of banking products and tailor-made solutions.

Financial, legal and tax supportin order to help your company develop business in the most efficient and risk-free way in a quite complicated and fast-changing environment.

Our shareholder is confident in our bank success and pursues a clear strategy of further growth of our corporate and retail banking activities in Ukraine,

with focus on development of historically strongest pillars which remain multinational customers and local large

corporations, agro/agri industry and private individuals.

The biggest international client’s base, extensive number of local exporters and status of core banking partner for agro sector allow

our bank to be extremely competitive in foreign exchange transactions and hedging products.

7

Over 1 000 Multinational and Large Ukrainian Corporations

Kiev

Lviv

СASH

MANAGEMENT

• A comprehensive range of bank accounts in local

and foreign currencies: UAH, USD, EUR, RUB,

GBP, CHF, SEK, CAD, JPY, DKK, PLN, CZK

Accounts• A leading bank in FX volumes

• Direct dealing via Bloomberg

• FX Reuters platform

• Leader in FX hedging (FRWDs), swaps

• Incoming payments: free of charge

• Payroll services

• Corporate cards

• Cash collection via partnership

with local provider

Forex

Payables and receivables

• Cash pooling

-Zero Balance

-Target Balance

-Closing of overdrafts

-Notional pooling

• Automated overnight deposits (FOND)

Account management

• Host to Host SFTP

• SWIFT Net FIN MT 101

• SWIFT Net FileAct

Host to host

• E-banking on-line “Optim CLIC” has two factors

of authentication: smart card+password, that

ensure high level of security

• Host to CLIC

• Multi segregation of authorizations rights

• Continuing investment in e-banking solutions

• Official and intraday banking statement

• SWIFT reporting: MT 940, MT 300

• Structured reports for auditors purposes

• Automatic sending of incoming SWIFT MT103

E-banking

Reporting

СASH MANAGEMENT

Over 1000 multinational clients with over 4 mln transactions per year

8

• Pricing for all customers FX

(HC/ UAH, HC/HC) activity, cash

• Hedging solutions

Foreign exchange

• Capital Markets team deals directly

with > 200 customers

• Transactions negotiated online

• Forex online platform

Direct dealing

• Swaps

• Flexible current account remineration

Money market

• Fixed-term loans & deposits

• Flexible conditions for UAH deposits

• MT financing -multicurrency

Treasury / IR

• Daily & monthly survey

Market overview

СAPITAL MARKET

A leading FX and hedging Bank . TOP 3 on the FX market

9

СAPITAL MARKET

10

Settlement, accounting,

safekeeping of

Ukrainian securities

Securities

brokerage

Escrow

accounts

Squeeze-out

servicingTailor-made solutions

for investors

International Private

Equity funds

International corporations

shareholders in Ukrainian

companies

International

portfolio investors

Ukrainian insurance

companies

CUSTODY & SERVICES

FOR FOREIGN INVESTORS

WHAT?

SERVICES

FOR WHOM?

CUSTOMERS

A leading bank for international clients with USD 1 bln held in custody

of securities and M&A transaction settlement

TRADE FINANCE SOLUTIONS

• Analysis of trade flows and structuring

of the efficient financing

• Verification of the parties involved, mitigation of risks

Trade Finance Consulting

• Issuing all types of guarantees / SBLCs

• Re-issuing guarantees of foreign and Ukrainian banks

• Advising guarantees / SBLCs

• Deferred payments for BUYERS / Secure payments

for SELLERS of agri equipment, seeds, etc.

• Discounting of promissory notes

for CAU clients – holders of PNs

International and domestic GUARANTEES

Avalizing Promissory Notes

• Short-term financing of recurrent trade transactions

• Facilitation of trade and optimization

of documents workflow

Factoring

• Arrangement of cooperation with:

• Export Credit Agencies, International FIs

• Credit Agricole Group and other banks

Arranging co-financing and insurance of trade

• Documentary collection for Exporters and Importers:

• Secure shipments

• Guaranteed payments

• Advising L/Cs to exporters

• Confirmation of L/Cs to cover risks of foreign banks

• Wide international network of CA Group and partner banks

Documentary Collection

EXPORT Letter of Credit

• Issuing L/Cs to secure settlements

• Arranging deferred payments

• Best conditions for L/C confirmation

• Short- and mid-term financing via L/C discounting

IMPORT Letter of Credit

11

Faciliation of your finance and trade's needs

Structuring of packages based on individual customer needs

Monthly commission

for package using*

(UAH)

Condition 1 Condition 2**

(UAH during

month)

Monthly

commission***

(UAH)

Number of free

banking

products

(upon choice)

SMS-

informing and

payments

via I-Bank

Cash withdrawal

in ATMs of Bank

and “Atmosfer”

(UAH)

Amount

(UAH)Transa-

ctions

Contactless Card

Visa Classic

Contactless Card

Mastercard World

Contactless Card

Mastercard or

Visa Platinum

Contactless Card

Mastercard World

Elite

Contactless Card

Visa infinite

Free

15 000

3

10

3 000

10 000

10

50

350

800

1 000

1

3

3

5

more than

5 000 UAH –

5 UAH per

transaction

5 000

UAH per

month –

Free

Payment

card

•

•

•

20 000 70 000

50 000

30 000

LIGHT

SMART

PREMIUM

SOMMELIER

INFINITE

0 UAH monthly fee for

servicing in case of fulfilling

conditions of the package

Cash withdrawal

in other ATMs

in Ukraine

12

*if fulfilling Condition 1 or Condition 2

**Card account average daily balance

***in case no condition is fulfilled

• Producers and distributors of seeds, crop protection agents, fertilizers

• Agro-producers

• Medium corporate processers of agricultural products

Support to all participants of agro products

value сhain via partnerships:

• Working capital loans, including those secured by double

warehouse receipts

• Promissory notes avalization and bank guarantees

• Investment loan

• Agro insurance

Finance:

Unique approach that combines technical and

financial assessment of agricultural companies

Special packages for day-to day bank transactions

Agro sector is one of the strategic sectors for Credit Agricole,

which is a visible player in Ukraine’s agricultural market

13

CREDIT AGRICOLE OFFICES

14

Kiev01034, 23A Volodymyrska street

tel.: 380 44 490 14 00

Lviv79007, 11 Hnatyuka street

tel.: 38 032 297 00 06

For international business (MNC) and large corporate

Deputy Chairman of the Board, responsible

for Corporate, SME and Financial Markets

Larysa.Bondarieva@credit-agricole.ua

+38 044 490 14 26

Larysa Bondarieva:Deputy to Member of the

Management Board

Alexandre.Tchesnakoff@credit-agricole.ua

+38 044 490 20 31

Alexandre Tchesnakoff

Director of International & Large

Corporate Business

Ihor.Kuropiy@credit-agricole.ua

+ 380 44 490 14 40

Ihor KuropiyCommercial Team III Head

Yurii.RAKSHA@credit-agricole.ua

+ 380 44 490 14 49

Yurii Raksha