Fourth quarter & Full-year 2025 results

HIGH FULL-YEAR RESULTS 

• High full-year results and profitability (>€7bn for Crédit Agricole S.A., return on tangible equity of 13.5%), driven by record annual revenues that were able to absorb the additional corporate income tax charge (Crédit Agricole Group: €280m, Crédit Agricole S.A €147m)

• Quarterly results impacted by the effect of the first consolidation of Banco BPM and high-level quarterly revenues driven by good performances by all business lines and marked by the upturn of Retail Banking in France 

• Stable cost of risk (Crédit Agricole Group: 28 basis points on outstandings, Crédit Agricole S.A.: 35 basis points on outstandings)

PROPOSED 2025 DIVIDEND INCREASE TO €1.13 PER SHARE (+3% VS. 2024) 

STRONG GROWTH MOMENTUM IN ALL BUSINESS LINES IN 2025

• High loan production: in France, upturn in home loans (+21%) and good momentum in corporate loans; strong international activity; high-level and balanced production between personal finance and mobility 

• Record annual revenues and net inflows in Insurance, driven by all activities, and a high level of net inflows in Asset Management  

• Record Corporate and Investment Banking revenues for this quarter and for the full year 

PERFORMANCES THAT CONFIRM THE TRAJECTORY OF THE ACT 2028 PLAN

2026: ROLLING START

• Initiatives in favour of development in France (digitalisation, new offers and services) and internationally (Germany: digital savings platform, day-to-day banking, Midcap; Asia)

• Launch of innovation and performance projects (tokenized finance, AI, Data Market Place, simplification)

HIGH SOLVENCY RATIOS 

• Phased-in CET1 of 17.4% for Crédit Agricole Group and 11.8% for Crédit Agricole S.A. 

2026 ANNUAL REFINANCING PROGRAMME 32% COMPLETED IN JANUARY

CONTINUED SUPPORT FOR THE ENERGY TRANSITION 

• Continued roll-out of financing and investment for the energy transition and support for the transition of households and businesses 

• Improvement in the CDP rating from A- to A, reflecting our progress on climate action

Eric Vial, Chairman of SAS Rue La Boétie and Chairman of the Crédit Agricole S.A. Board of Directors “The Group continued its development in 2025 with strong growth momentum across all business lines. I welcome the 2.1 million customers who joined us this year, and I thank our elected representatives, our mutual shareholders, and all our employees who, every day, are mobilised with commitment and professionalism, with a special thought for our colleagues in Ukraine who have been working with courage and determination since the beginning of the war.”

Olivier Gavalda, Chief Executive Officer of Crédit Agricole S.A. “The strong results we are posting in 2025 reinforce the ambitions of our ACT 2028 Strategic Plan. With this rolling start, 2026 will mark the realisation of several strategic initiatives, such as the deployment of the universal bank in Germany and the acceleration of our development in Asia.”