Credit Agricole Group financial results for the third quarter and first nine months of 2025

The Group published high-level revenues and income demonstrating growth.

Quarterly revenues reached a high level of €9.7 billion for Crédit Agricole Group (+5.6%) and €6.8 billion for Crédit Agricole S.A. (+5.6%). This continues the steady upward trend that has seen an average of +5.2% growth every year since 2017.

For the first nine months of the year, the Group’s revenues stood at €29.6 billion (+4.8%) and Crédit Agricole S.A.’s revenues were €21.1 billion (+5.1%).

Sustained activity in all business lines

Commercial activity was dynamic. During this quarter, retail banks added 522,000 new customers, in France, Italy and Poland.

Loan production in retail banking across these three countries came to €35.9 billion, up +13.5% year on year.

In France, the upturn in home loans continued with a +18% increase in loan production. Momentum in the corporate customers segment was good with loan production up +14% year on year. Outside of France, loan activity also remained strong; at CAPFM, loan production remained high, with an equal weighting between the traditional and automotive segments.

The equipment rate for property and casualty insurance continued to improve and at the end of September stood at 44.6% for the Regional Banks (+0.8 pp compared with September 2024), 28.6% for LCL (+0.7 pp) and 20.6% for CA Italia (+0.6 pp). Net inflows reached €20.5 billion for wealth management, life insurance and asset management activities.

Total assets under management (wealth management, life insurance and asset management) came to €2,974 billion, up +5.9% year on year.

Strong results

These very good revenues, combined with cost control, have allowed us to post a high level of income.

The quarterly net income Group share of Crédit Agricole Group was €2.3 billion, up +11.4%, and that of Crédit Agricole S.A. rose by +10.2% to €1.8 billion.

For the first nine months of the year, net income Group share was €7.1 billion for the Group (+9.7%) and €6.0 billion (+12.1%) for Crédit Agricole S.A.

A strong and resilient Group

As at 30 September, the Group continued to enjoy very strong capital and liquidity positions. The Group’s solvency was among the best in Europe for the sector, with a phased-in Common Equity Tier 1 (CET1) ratio of 17.6%, i.e. 7.7 percentage points above regulatory requirements.

Diversified and granular customer deposits amounted to €1,159 billion and liquidity reserves reached €488 billion.

The cost/income ratio for Crédit Agricole S.A. stood at a low level of 54.6% for the first nine months of the year.

Useful to our customers and society

With €827 billion in loan outstandings in retail banking in France and €62 billion in Italy, at 30 September 2025, Crédit Agricole has confirmed its position as a provider of financing to the European economy.

With €366.7 billion in Savings/Retirement outstandings (+6.8% year on year) and assets under management reaching €2,317 billion, it is also Europe’s top bankinsurer and asset manager.

The Group is continuing the mass roll-out of financing and investment to promote the energy transition, with, as at 30 June 2025:

• €27.9 billion in low-carbon energy loans, 2.6 times more than at the end of 2020;
• €6.1 billion in investments in low-carbon energy, 2.8 times more than at the end of 2020;
• €114.3 billion in outstandings related to the environmental transition, including €84.4 billion for energy-efficient real estate and €6.9 billion for transport and “clean” mobility.

In addition, the Group is continuing to exit from the financing of carbon energy. Its gradual withdrawal from financing fossil fuel extraction projects resulted in a -40% decrease in exposures between the end of 2020 and the end of 2024 (€5.6 billion at 31 December 2024).

Read the press release https://pressroom.credit-agricole.com/news/results-for-the-third-quarter-and-first-nine-months-2025-07965-94727.html