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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, with a ROTE of 13.5% and a proposed dividend of €1.13 per share, up 3%, despite a €147m tax surcharge and the first consolidation of Banco BPM.
Revenues grew 3.3% to €28.1bn for Crédit Agricole S.A. and 3.9% for the Group, driven by dynamic commercial activity across all business lines.
Operating expenses increased 4.9% for Crédit Agricole S.A., resulting in a cost/income ratio of 55.7%.
CET1 ratio stood at 11.8% for Crédit Agricole S.A. and 17.4% for the Group, both well above regulatory requirements.
Customer acquisition was robust, with 2.1 million new clients in 2025 and significant digital and international expansion initiatives.
Financial highlights
Loan production in retail banking rose 15% year-over-year to €140bn; insurance premium income reached a record €52.4bn, up 20%.
Asset management AUM reached €2,380bn (+6.2%), with €88bn net inflows; asset gathering AUM at €3,051bn (+6.4%).
Gross operating income was €12.5bn (+1.3% year-over-year); cost of risk was €1.97bn (+6.6%), with Q4 cost of risk at €629m.
Cost/income ratio was 55.7% for Crédit Agricole S.A. and 59.6% for the Group.
Earnings per share increased to €2.18; dividend payout ratio at 50%.
Outlook and guidance
2026 outlook anticipates continued commercial momentum, integration of recent acquisitions, margin recovery in French retail, and digital/international expansion.
Banco BPM expected to contribute ~€100m per quarter to profit from 2026.
Targeting a cost/income ratio below 55% and ROTE of at least 14% by 2028.
High single-digit NII growth expected in French retail for 2026; moderate NII headwinds in Italy.
Macroeconomic uncertainties in France and impact of taxation remain key risks.
Banco BPM's 2026 recurring profit contribution
Impact of French macro uncertainty and margin caps
Innovation projects' impact on 2028 cost/income
Leasys profitability rebound timeline?
Future M&A: ROI expectations and capital use?
French retail NII growth: sustainable beyond 2026?
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Next Crédit Agricole earnings date
Q4 2025 Fixed income16 Feb, 2026
Crédit Agricole
Next Crédit Agricole earnings date
Q4 2025 Fixed income16 Feb, 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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