)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
Crédit Agricole (ACA) investor relations material
Crédit Agricole Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Net income Group share reached €2.4bn in Q2 2025, up 30.7% year-over-year, driven by dynamic activity and a capital gain from the Amundi US deconsolidation.
Revenues for Q2 2025 were €7.0bn, up 3.1% year-over-year, with strong contributions from all business lines.
High profitability with a Return on Tangible Equity of 16.6% in H1 2025, supported by growing revenues and a low cost/income ratio.
Strategic operations advanced, including partnerships and acquisitions in the US, Italy, Germany, France, Switzerland, Belgium, and China.
Awarded World's Best Bank for Sustainable Finance by Euromoney, reflecting ongoing support for energy transition and sustainability.
Financial highlights
H1 2025 revenues for Crédit Agricole S.A. rose 4.9% year-over-year to €14.3bn; net income Group share up 12.9% to €4.2bn.
Q2 2025 net income Group share benefited from a €304m capital gain (net of non-controlling interests) from Amundi US deconsolidation.
Cost/income ratio at 53.9% for H1 2025; RoTE at 16.6%.
Group CET1 ratio: 17.6% (7.7pp above regulatory requirements); S.A. CET1: 11.9% (3.2pp above requirements).
Liquidity reserves at €471bn for the Group; LCR at 137% and NSFR above 100%.
Outlook and guidance
Medium-term outlook remains positive, with further details to be shared at Capital Markets Day on November 18, 2025.
Guidance for net income group share to be at least above 2024 level, excluding corporate tax surcharge.
Prudent stance on 2025 LCL net interest income, expecting stability due to deposit behavior uncertainty.
Macroeconomic scenarios for credit risk provisioning remain cautious, with moderate adverse scenario overweighted due to trade tensions and energy price risks.
Economic scenario anticipates global slowdown in 2025, with resilience expected in the eurozone and moderate inflation.
How did Amundi US deconsolidation impact revenues?
Assess Regional Banks' lending production rate.
What is the TLAC ratio target for 2025?
What's the expected net income from RBC?
Comment on UniCredit distribution agreement.
Explain the LCL net interest income outlook.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Crédit Agricole earnings date
Q3 202530 Oct, 2025
Next Crédit Agricole earnings date
Q3 202530 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
)
Edge19 Sep 2025
American Express: An Empire of Plastic
How history, brand, and structure have steadily built American Express' moat, and why Warren Buffett still calls it a one-of-a-kind business.
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage