Crédit Agricole SA reported a stable group net income (RNPG), down slightly by 0.2% to €7.07 billion for the year 2025, with a risk cost up 6.6% at €1.97 billion, but gross operating income rising by 1.3% to €12.45 billion. The banking group saw its cost-to-income ratio deteriorate by 0.9 points to 55.7%, as operating expenses (+4.9% to €15.63 billion) increased more than its net banking income (+3.3% to €28.08 billion).

"The group continued its development in 2025 with strong growth momentum across all business lines," emphasized Chairman of the Board Eric Vial, highlighting the 2.1 million clients who joined Crédit Agricole this year.

"The strong results we are publishing for 2025 reinforce the ambitions of our ACT 2028 MTP," said CEO Olivier Gavalda. "With a flying start, 2026 will see the realization of several strategic initiatives."

For the past fiscal year, the institution will propose a dividend of €1.13 per share, up 3% compared to 2024, with earnings per share of €2.18 in 2025 versus €2.11 the previous year.