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Crédit Agricole
Crédit Agricole (ACA) investor relations material
Crédit Agricole Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Feb, 2026
Executive summary
Net income Group share was stable at €7.1bn for 2025, despite a €147m tax surcharge, with strong activity across all business lines and a ROTE of 13.5%.
Revenues grew 3.3% to €28.1bn, driven by dynamic commercial activity, record client acquisition, and robust performance in retail banking, insurance, asset management, and CIB.
Operating expenses increased 4.9% to €15.6bn, resulting in a 1.3% rise in gross operating income.
Dividend per share proposed at €1.13, up 3% from 2024, with a payout ratio of 50%.
Customer base expanded by 2.1 million in 2025, with significant digitalisation and international expansion initiatives.
Financial highlights
Crédit Agricole S.A. revenues rose 3.3% year-over-year to €28.1bn; Group revenues up 3.9% to €39.6bn.
Loan production in retail banking increased 15% year-over-year to €140bn.
Insurance premium income reached €52.4bn (+20% y/y), with net inflows of €15.9bn.
Asset management AUM reached €2,380bn (+6.2%), with €88bn net inflows.
Cost/income ratio for Crédit Agricole S.A. was 55.7% (+0.9pp y/y); Group ratio stable at 59.6%.
Outlook and guidance
2026 outlook anticipates continued commercial momentum, integration of recent acquisitions, margin upturn in French retail, and further digital and international expansion.
Banco BPM expected to contribute around €100m net income per quarter from 2026.
Cost/income ratio targeted below 55% by 2028; ROTE target of 14% for 2028 seen as a minimum.
High single-digit increase in French retail net interest income expected in 2026.
Targeting gross capture of 8 million new customers by 2028.
Banco BPM's 2026 recurring profit contribution
Impact of French macro uncertainty and margin caps
Innovation projects' impact on 2028 cost/income
Cost-to-income ratio 2026 outlook?
Leasys profitability recovery timeline?
What M&A criteria beyond 10% ROI?
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Next Crédit Agricole earnings date
Q1 202630 Apr, 2026
Crédit Agricole
Next Crédit Agricole earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Crédit Agricole S.A. is a global financial services group providing banking, insurance, and asset management solutions to individuals, businesses, and institutional clients. The company operates through various segments, including retail banking, corporate and investment banking, wealth management, and specialized financial services. It offers a wide range of products, such as loans, savings accounts, investment solutions, insurance policies, and payment services. The company is headquartered in Montrouge, France, and its shares are listed on the Euronext Paris.
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