DUE TO CREDIT INSTITUTIONS AND CUSTOMERS, BY REMAINING TERM 31/12/2025 (in thousands of euro) ≤ 3 months > 3 months to ≤ 1 year > 1 year to ≤ 5 years > 5 years Indeterminate Total Amounts owed to credit institutions (including internal Crédit Agricole transactions) 815,752 815,752 Due to customers 5,559,378 252,300 508 5,812,186 Total amounts owed to credit institutions and customers 6,375,130 252,300 508 6,627,938 31/12/2024 (in thousands of euro) ≤ 3 months > 3 months to ≤ 1 year > 1 year to ≤ 5 years > 5 years Indeterminate Total Amounts owed to credit institutions (including internal Crédit Agricole transactions) 928,383 928,383 Due to customers 5,227,160 236,480 4,195 5,467,835 Total amounts owed to credit institutions and customers 6,155,543 236,480 4,195 6,396,218 DEBT SECURITIES AND SUBORDINATED DEBT N/A FINANCIAL GUARANTEES GIVEN, AT RISK OF BEING CALLED, BY EXPECTED MATURITY N/A Contractual maturities of derivative instruments are shown in Note 3.3 “Market risk”. 3.5 HEDGE ACCOUNTING (See Note 3.3 “Market risk” and the “Risk Factors and Risk Management – Risk Management – Balance Sheet Management” section of the Crédit Agricole S.A. Universal Registration Document) FAIR VALUE HEDGES A fair value hedge modifies the risk due to changes in the fair value of a fixed-rate financial instrument caused by changes in interest rates. Fair value hedges transform fixed-rate assets or liabilities into floating-rate assets or liabilities. Items hedged are principally fixedrate loans, securities, deposits and subordinated debt. CASH FLOW HEDGING A cash flow hedge modifies the risk inherent in the variability in cash flow arising from floating-rate financial instruments. Items hedged are principally floating-rate loans and deposits. HEDGE OF A NET INVESTMENT IN FOREIGN CURRENCY A hedge of a net investment in foreign currency modifies the risk inherent in exchange rate fluctuations related to investments in foreign operations. CFM Indosuez Wealth Management 118
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