Commentary & Deal Flow

Reoffer: 5.8yr: MS+33bp / 99.926 / 3.266%
Benchmark: 5.8yr: DBR 0% 15-Feb-32 @ 85.12 / B+44.8bp / HR 108%

Final books above €2.5bn (incl. €140m JLM)

Launched: 5.8yr: €750m @ MS+33bp - Books above €2.5bn (incl. €140m JLM)
Book Update: Books in excess of €1.5bn (excl. JLM interest)
Guidance: 5.8yr: MS+39a

• Issuer: Arkéa Home Loans SFH
• Ticker: CMARK
• LEI: 9695003L69OAFQ15LD18
• Instrument: OBLIGATIONS DE FINANCEMENT DE L'HABITAT - ECBC Label - EU harmonisation label European Covered Bond (Premium) - CRR compliant & LCR eligible
• Expected Issue Ratings: Aaa/AAA (Moody's/Fitch)
• Size: €750m
• Maturity: 16-Feb-32
• Settlement: 06-May-26 (T+5)
• Reoffer: 99.926, 3.266% MS + 33bps
• Coupon: 3.25%, Fixed, Annual, Act/Act ICMA, short first
• Benchmark: DBR 0% 15-Feb-32 (85.12) +44.8bps HR 108%
• Documentation: EUR 21bn Covered Bond Programme dated 15-Apr-26 - The Base Prospectus and the Final Terms, once available, can be found at: Home Loans SFH - Crédit Mutuel Arkea (cm-arkea.com)
• Form: Dematerialised Notes in bearer form
• Distribution: Reg S Only
• Denominations: €100,000 + €100,000
• Listing: Euronext Paris
• Selling Restrictions: As set out in the Base Prospectus
• Governing Law: French Law
• Clearing System(s): Euroclear France
• Use of Proceeds: General Corporate Purposes
• Target Market: Manufacturer target market (MiFID II product governance) is eligible counterparties and professional clients only (all distribution channels). No PRIIPs KID as not available to retail in the EEA.
• Joint Bookrunners: ABN AMRO, Crédit Agricole CIB, Crédit Mutuel Arkea, Santander (B&D), TD Securities and UniCredit
• Fees: The Joint Lead Managers will be paid a fee in connection with the transaction. Details of the fee may be available to investors upon request
• ISIN: FR00140182I0
• Timing: TOE 14.35CET, FTT 15.00CET
• Advertisement: The Base Prospectus and the Final Terms, once available, can be found at: EMTN program - Crédit Mutuel Arkea (cm-arkea.com)