Financial results of Credit Agricole Bank for the 9 month of 2022

11 November 2022

Annex 1 Summary Income Statement*

(UAH million)

*Item*	*9M 2021*	*9M 2022*	9M 2022 vs 9M 2021
*Item*	*9M 2021*	*9M 2022*	9M 2022 vs 9M 2021
*Net Banking Income*	2 907	4 466	1 559	54%
NII	2 070	3 506	1 437	69%
Commissions	608	489	-119	-20%
Other NBI	229	471	241	105%
*Operating Expenses*	-1 398	-1 480	-82	6%
Staff charges	-823	-886	-64	8%
Other expenses	-576	-594	-18	3%
*Gross Operating Income*	1 509	2 986	1 477	98%
Cost of Risk	-193	-2 956	-2 763	-
*Result before taxes*	1 316	29	-1 286	-98%
Taxes	-237	-5	232	-98%
*Net Result*	1 078	24	-1 054	-98%

Annex 2 Short Balance Sheet*

(UAH million)

Item	Dec-21	Sep-22	Sep-22 vs Dec-21
Item	Dec-21	Sep-22	Sep-22 vs Dec-21
*Assets*
Cash and cash equivalents	10 318	12 483	2 165	21%
Due from other banks and the NBU	3 978	15 587	11 610	292%
Securities and investments	5 370	5 539	168	3%
Gross Loans and advances to customers	35 509	36 116	607	2%
Corporate loans	29 539	31 409	1 870	6%
Private individuals loans	5 970	4 708	-1 263	-21%
Provisions	-1 713	-4 840	-3 128	183%
Loans net of provisions	33 797	31 276	-2 521	-7%
Other assets	1 378	1 528	150	11%
*Total assets*	*54 841*	*66 413*	*11 572*	*21%*
*Liabilities*
Due to other banks	14	5	-9	-64%
Other funds raised	485	720	235	49%
Customer deposits	46 078	57 892	11 814	26%
Corporate deposits	34 150	43 834	9 683	28%
Private individuals deposits	11 928	14 058	2 130	18%
Other liabilities	785	677	-108	-14%
Subordinated debts	780	1 056	276	35%
*Total liabilities*	*48 142*	*60 350*	*12 208*	*25%*
Equity	6 699	6 062	-636	-9%
*Total equity and liabilities*	*54 841*	*66 413*	*11 572*	*21%*

* Credit Agricole Bank’s Interim Financial Statements are elaborated according to IFRS. Additionally, the detailed quarterly financial statements will be published on the bank's website.

Credit Agricole has signed the Charter on Financial Inclusion and Reintegration of Veterans