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Including the Annual Financial ReportUniversal

registration document 2019 arkea.com

More information on

Contents

1.Presentation of the Arkéa group3

Group profile1.1 4

The Arkéa group in a few dates1.2 7

The Arkéa group's business lines1.3 9

Strategy and business model ofǾtheǾArkéa 1.4 group 14

2019 highlights1.5 16

Solidarity relations1.6 19

2.Corporate Governance21

Conditions for the preparation of the 2.1

corporate governance report 23 The Board of Directors ofǾCréditǾMutuel 2.2

Arkéa 24

Executive corporate officers2.3 40

The bodies and work ofǾtheǾGeneral 2.4

Management 41

Agreements for the benefit ofǾcorporate 2.5

officers 42

Conflicts of interest at the level 2.6

ofǾadministrative andǾmanagement bodies 43

Internal control2.7 44

Compensation of corporate officers2.8 49

Other significant events since theǾend of the 2.9 financial year 60 Statutory auditors' report onǾtheǾcorporate 2.10 governance report 61

3.Financial information 63

Activities3.1 64

Financial results3.2 66

Capital and regulatory ratios3.3 68

Outlook3.4 71

Consolidated financial statementsǾfor the3.5

year ended DecemberǾ31,Ǿ2019 74

Aggregate financial statements as of 3.6

December 31, 2019 166

4.Risks 197

Risk factors4.1 198

Risk management function4.2 212

Credit risk4.3 214

Operational Risk4.4 222

Structural interest rate andǾliquidity risks4.5 229

Risks specific to the insurance business4.6 232

Market risk4.7 235

5.Statement of non-financial performance239

Arkéa's business model5.1 240

Arkéa's corporate social responsibility5.2 240

The Group's main challenges 5.3

andǾnon-financial risks 243 Supporting clients and territories in societal, 5.4 social and environmental transitions 249

A responsible corporate approach5.5 261

Summary table of indicators5.6 276

6.General information283

General information 284

Statement of the person responsible 286

Statutory Auditors 287

7.Statutory Auditors' Reports289

Statutory Auditors' report on the 7.1

consolidated financial statements year ended December 31, 2019 290 Statutory Auditors' report onǾtheǾaggregate 7.2 financialǾstatements 294

Statutory Auditors' special report on 7.3

regulated agreements andǾcommitments 297 Report of the independent thirdǾparty on the 7.4 consolidated non-financial performance statement 299

Cross-reference tables and alternative

performance measures 305

Cross-reference table of the Universal

Registration Document 306

Cross-reference table of the 2019 Annual

Financial Report relating toǾthe Arkéa group 308

Cross-reference table withǾinternational

commitments 309

Alternative performance measures -

articleǾ223-1 of the AMF General Regulation 310

2019 Universal

Registration

Document

Including the Annual Financial Report

10,560

employees

€2.3?Bn

revenues*

€511?M

0GVRTQquotesdbs_dbs23.pdfusesText_29

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