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Crédit Agricole (ACA) investor relations material
Crédit Agricole Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Q3 2025 net income Group share reached €2.3bn, up 11.4% year-over-year, with strong performance across all business lines and high profitability driven by robust revenues and a low cost/income ratio.
Revenues for Q3 2025 increased 5.6% year-over-year, with nine-month revenues up 4.8% to €29.6bn.
Customer acquisition was robust, with 522,000 new customers in Q3 and over 1.5 million in the first nine months.
Completed acquisition of Santander's 30.5% stake in CACEIS, strengthening asset servicing.
All business lines contributed to growth, with record CIB revenues and high inflows in asset management and insurance.
Financial highlights
Gross operating income for Q3 2025 up 8.9% to €3.94bn; cost/income ratio at 54.6% for the first nine months.
ROTE stood at 15.4% for the first nine months, up 1.5pp year-over-year.
CET1 ratio at 11.7% for CASA and 17.6% at group level; liquidity reserves at €488bn.
Earnings per share for Q3 2025 was €0.53, up from €0.50 in Q3 2024.
Loan loss reserves at €21.9bn, with an 83.1% coverage ratio for doubtful loans.
Outlook and guidance
Economic forecasts indicate resilient growth in 2025 and recovery in 2026 for France, Italy, and the Eurozone, with moderate upward pressure on interest rates.
Continued focus on supporting the energy transition, with €27.9bn in low-carbon energy financing and €114.3bn in environmental transition outstandings.
Expectation of regular equity-accounted income from Banco BPM (~€100m/quarter) after Q4 transition.
2025 net income guidance aims to match last year, excluding corporate tax impacts.
Management reaffirms commitment to European economic development and maintaining high solvency and liquidity buffers.
Detail Q3 cost of risk drivers, especially SFS
Explain Q3 revenue impacts, Amundi US, Italy NIM
Detail Q3 CET1 ratio changes for CA S.A. and Group
SFS equity-accounted entities income recovery?
Banco BPM equity accounting P&L impact Q4?
Amundi distribution partnerships post-2027 outlook?
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Next Crédit Agricole earnings date
CMD 202518 Nov, 2025
Next Crédit Agricole earnings date
CMD 202518 Nov, 2025
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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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