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Amundi Investor Presentation

Excellent operational efficiency maintained Operating expenses (€m) +18.6% -1.5% A change in operating expenses vs. Q3 2020 related to: - the provisioning of variable compensation, in relation to growth in operating income the scope effect compared to Q3 2020 (+€10m) linked to the creation of Amundi BOC WM³ and the full consolidation of Fund Channel4; continued investments in development, especially at Amundi Technology and in other growth engines 388 383 323 T3 2020 T2 2021 T3 2021 51.2% 45.7% 48.4% Cost/income ratio¹ (%) ~50% ~50% Cost/income ratio excluding exceptional level of performance fees² (%) 1. Adjusted data: excluding amortisation of distribution contracts. 2. Data excluding exceptional performance fees (= higher-than-average performance fees per quarter in 2017- 2020). 3. Consolidated from Q4 2020. 4. Consolidated from Q1 2021. 30| Amundi Investor Presentation - November 2021 Amundi CRÉDIT AGRICOLE GROUP
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