 Crédit Agricole S.A. OTCPK:CRARF Q3 2022 Earnings Conference Call November 10, 2022 8:30 AM ET Company Participants Jerome Grivet - Deputy Chief Executive Officer Conference Call Participants Jacques-Henri Gaulard - Kepler Delphine Lee - JPMorgan Tarik El Mejjad - BOA Giulia Aurora Miotto - Morgan Stanley Guillaume Tiberghien - BNP Paribas Stefan Stalmann - Autonomous Research Matthew Clark - Mediobanca Amit Goel - Barclays Flora Bocahut - Jefferies Anke Reingen - Royal Bank of Canada Pierre Chedeville - CIC Kiri Vijayarajah - HSBC Benoit Valleaux - ODDO Operator Good afternoon. 