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Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Crédit Agricole
Crédit Agricole (ACA) investor relations material
Crédit Agricole Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
Q3 consolidated revenue rose 10.7% to €10.497bn and gross operating income increased 23.6% to €4.564bn; adjusted net income Group share grew 23.0%.
Parent Q3 revenue increased 7.5% to €7.092bn and adjusted net income rose 11.0% to €1.991bn; 9M ROTE was 14.2%.
Growth in Asset Gathering and CIB offset weakness in mobility-related activities and slower French mortgage lending; customer capture reached 1.8m in 9M.
Financial highlights
Consolidated Q3 shareholder net income was €2.780bn (+28.2% reported; +23.0% adjusted for Santander NCI and SBI FM IPO effects).
Consolidated 9M revenue was €31.378bn (+8.8%), gross operating income €13.268bn (+18.5%) and shareholder net income €7.654bn (+13.7%; +15.9% adjusted).
Parent 9M revenue reached €21.449bn (+5.3%) and shareholder net income €5.718bn (+1.0% reported; +2.9% adjusted).
SBI FM’s Q3 IPO gain added €205m to parent net income; consolidated net income included a €210m gain.
Outlook and guidance
Proposed IKB acquisition price is ~€660m, with a ~15% ROI target within three years and an estimated 20bp CET1 impact; closing is planned for H1 2027.
Degroof Petercam integration target of €150m–€200m additional net income Group share in 2028 was confirmed; synergies were ~50% realised.
CA Savings targets 650 new customers daily in 2027–28 and plans expansion into six further European countries from 2027.
Medium-term ROTE above 14% is viewed as a minimum; LCL guidance for 6% NII growth over 2026–28 was maintained.
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Latest events from Crédit Agricole
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Investor presentation - Strong Q2 2026 results with high profitability, AI investment, and robust capital ratios.ACAQ2 2026
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- Net income up 5.5% year-over-year, strong capital, and digital/ESG progress.ACAQ1 2026 Fixed Income
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- 2025 saw record revenues, robust profitability, and a CET1 ratio of 17.4% with strong asset quality.ACAQ4 2025 Fixed income
- 2028 targets: 60M clients, >€8.5bn net income, 60% revenue abroad, cost-income ratio <55%.ACACMD 2025
- H1 2024 net profit up 14.2% to €3.7bn, with strong revenues and robust capital ratios.ACAQ2 2024
Next Crédit Agricole earnings date
Q4 20264 Feb, 2027
Crédit Agricole
Next Crédit Agricole earnings date
Q4 20264 Feb, 2027
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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.