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Crédit Agricole
Crédit Agricole (ACA) investor relations material
Crédit Agricole Q4 2025 Fixed income earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 Fixed income earnings summary16 Feb, 2026
Executive summary
Delivered strong annual results in 2025, with dynamic commercial activity and robust net interest margin in French retail, despite additional corporate tax charges of €147m for Crédit Agricole S.A. and €280m for the Group.
Group revenues reached €39.6bn (+3.9% year-over-year); Crédit Agricole S.A. revenues at €28bn (+3.3%).
Net income Group share for 2025 was €8.8bn (+1.3% year-over-year), aligning with the 5% CAGR target; return on tangible equity at 13.9%, close to the 14% medium-term plan target.
Customer acquisition exceeded 2.1 million across France, Italy, and Poland; retail loan production grew 15% year-over-year.
Asset quality remained solid, with a stable NPL ratio of 2.2% and a phased-in CET1 ratio at 17.4%, the highest among European GSIBs.
Financial highlights
Group revenues grew 3.9% year-over-year to €39,558m; gross operating income up 4.3% to €15,990m.
Net income Group share for 2025 was €8,754m (+1.3% year-over-year); Q4 net income Group share was €1,634m (-23.9% Q4/Q4).
Insurance premiums hit a record €52.4bn (+20% year-over-year); Amundi net inflows at €88bn, more than double the previous year.
Cost of risk at 28 bps (group), slightly above the 25 bps medium-term plan assumption.
Liquidity reserves stood at €485bn at year-end.
Outlook and guidance
Confident in delivering medium-term plan targets, including <55% cost-income ratio by 2028 and maintaining 14%+ return on equity.
Net interest margin for French retail expected to grow at a high single-digit rate in 2026.
Funding plan for 2026 set at €18bn, with 32% already completed by end-January 2026; plan to slow issuance pace for the remainder of the year.
Banco BPM expected to contribute ~€100m per quarter to income; macroeconomic uncertainties in France and impact of taxation noted.
ACT 2028 plan targets ROTE >14%, cost/income ratio <55%, and revenues >€27.2bn by 2028.
2026 funding plan: SNP & Tier 2 weighting rationale
Acquisition ROI: Why past underperformed target
Progress on 2030 financed emissions targets
Assess digital euro/stablecoin impact on strategy?
What drives cost of risk trend; outlook for 2026?
How does funding plan adapt to market conditions?
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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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