Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France (CAF) investor relations material

Executive summary

• Achieved strong commercial momentum with over 50,000 new clients in H1 2026 and significant growth in both credit and client equipment.

• Credit outstandings surpassed €60 billion, up 6.6% year-over-year, with robust growth in both retail and professional segments.

• Net income attributable to the group rose 17.2% to €161.0 million, driven by higher net banking income and controlled risk costs.

• Continued digital transformation and social impact initiatives, including new digital banking features and innovative social financing products.

Financial highlights

• Net banking income increased by 11.0% year-over-year to €600.3 million, supported by improved intermediation margins and commission growth.

• Operating expenses rose 4.1% due to investments in human resources and digital transformation.

• Operating profit grew 23.1% to €241.0 million, benefiting from positive operating leverage.

• Net income (RNPG) reached €161.0 million, up 17.2% year-over-year.

• Total assets increased 6.4% to €81,298 million.

Outlook and guidance

• Maintains a strong liquidity position and robust capital base to support ongoing client projects and transitions amid limited macroeconomic visibility.

• Focus on further digital innovation and social responsibility initiatives to enhance client experience and regional impact.