Corporate Brochure (USD)

2 013 KEY FINANCIALS

CACEIS enjoys a solid financial structure thanks to the support of its shareholders and has maintained its profitability at the record level of 2012. The Group has a policy of offering a broad range of services permitting diversification of its revenues, while maintaining a policy of strict control over its operational costs that has been in effect since before the financial crisis began. This allows the Group to improve profit margins and raises its ability to reinvest capital.

A BALANCED BUSINESS MODEL

NBI BREAKDOWN OF REVENUES Evenly balanced revenue sources are key to our resilience. With an NBI of $1,107 million in 2013, CACEIS has maintained a balanced distribution of income while continuing its investment programme into new products and services. A coordinated sales strategy, diversified product offer and presence in new markets has enabled the Group to be a profitable business and win new clients.

COST-TO-INCOME RATIO NET BANKING INCOME 1,107m 70.9%

34%

27%

DEPOSITARY/TRUSTEE-CUSTODY

ISSUERS SERVICES TO FUNDS

DERIVATIVES-FOREIGN EXCHANGE-SECURITIES LENDING

10%

CASH

3%

26%

The cost-to-income ratio, which reached 70.9% in 2013, reflects CACEIS’s continued efforts to improve operational efficiency. It ranks among the best in the asset servicing industry. HIGH OPERATIONAL EFFICIENCY

NET INCOME - GROUP SHARE ($m) CACEIS’s profitability was confirmed in 2013 with a stable Net Income, Group Share at its highest level yet. PROFITABILITY MAINTAINED ITS RECORD LEVEL

PRUDENTIAL SHAREHOLDER EQUITY STRENGTHENED TIER1/TIER 1 + TIER 2 (BASEL 2.5, $m) CACEIS has significantly strengthened its Tier 1 and Tier 2 shareholder capital in 2013 in line with Basel 3 regulations in application from 01/01/2014. CACEIS is one of the best capitalised banking groups dedicated to asset servicing in the euro zone.

2,009

248

248

2,000

250

232

1,586

204

1,390

1,500

198

1,263

200

1,147

1,000

1,645

1,457

150

1,286

1,208

1,055

500

0

100

2009

2010

2011

2012

2013

2009

2010

2011

2012

2013

T1 SOLVENCY RATIO (BASEL 2.5):12.35% T1 + T2 SOLVENCY RATIO (BASEL 2.5):15.08%

EUR/USD exchange rate as at 31 December 2013

Shareholderequity iscalculatedasdefined inFrenchregulation:Thedecreeof20February2007,amendedon 23November2011,transposingtheEuropeanCapitalRequirementsDirective(CRD3)intoFrenchlaw,setsout the “capital requirements applicable to credit institutions and investment firms.” Monitoring of CACEIS’s regulatory data through the Prudential Control and Resolution Authority is carried out via Crédit Agricole’s consolidated statements.

STANDARD & POOR’S: A/A-1