Crédit Agricole in Italy ended 2025 with a Net income equal to 1,402 billion euros, confirming Italy as the second largest domestic market, with a positive trend in revenues that exceeded 5,1 billion euros. Also Crédit Agricole Italy presented its results for 2025: consolidated net profit stood at 797 million euros, substantially in line with the previous year.
Furthermore, i loans to customers amount to 67 billion euros (+1,6% year-on-year in line with the banking system). residential mortgage disbursements exceeded 4,2 billion euros (+3% year-on-year). The share of transactions aimed at purchasing energy class A and B homes reached 30% (vs. 27% in 2024). The strong increase in product placements continued. Wealth Management to over 13 billion euros (+12% year-on-year) and the evolution of the non-life insurance premiums (+9% year-on-year), benefiting from the digital customer experience and the strengthening of insurance consultancy services.
Il financial support for businesses This has resulted in over €4,7 billion in new financing, with the total stock exceeding €19,6 billion. Constant focus on sustainability, which represents 34% of the total disbursed, remains central. The Group's support for agri-food system, with over 1,1 billion euros in disbursements (+13% year-on-year) and a total stock of loans equal to 3,4 billion euros.
Credit Agricole and its stake in Banco BPM
About Bpm bank, Clotilde L'Angevin, CFO and Deputy General Manager of the Credit Agricole group, in an interview with Bloomberg TV he stressed: “In the fourth quarter we achieved the ECB's authorization to exceed the 20% thresholdThis precisely serves to solidify our position as a long-term shareholder and partner of Banco BPM. We do not intend to exercise any control over Banco BPM. We are very satisfied with this position, which allows us to achieve a very high and recurring profit in our accounts in the future and which also allows us to establish ourselves as a long-term partner of Banco BPM."
During the call with analysts, in relation to the board of directors of Banco Bpm, the CEO Olivier Gavalda He stressed: “These are issues currently under discussion, but it is still too early to go into details. We ask for a position on the board of directors "equal to our 20%," he said. Banco BPM, for its part, plans to strengthen the representation of minority shareholders, doubling to six the maximum number of board seats they can obtain. The group announced that the stake in Banco BPM will now contribute approximately €100 million to its profit. 100 million euro per quarter.
Credit Agricole Italia, the numbers
The bank records growth in mass gain Intermediated across all segments: net loans to customers and direct deposits +2% y/y; indirect deposits +10% y/y, supported by the combined trend of assets under administration (+15% y/y) and assets under management (+6% y/y).
I operating income net revenues stand at 3.083 million euros, slightly down compared to 2024 (-0,6% on the year): the growth of commissions (+5% on year), driven by the results of the services sector investment (+12%), mitigates the trend in interest margin, which is gradually stabilizing.
Crédit Agricole Italia is still ranked at first place among universal banks in Italy for Customer Recommendation Index (CRI), a result confirmed by the acquisition of 212 thousand new customers (+13% on the year). quality of assets The company remains solid thanks to prudent management: the gross and net NPE ratios fell to 2,6% and 1,1%, respectively, and the coverage ratio was 59,4% (vs. 53,7% in December 24); loan loss provisions decreased by 7% year-on-year.
The bank is characterised by a large buffer of liquid assets with LCR at 161% and capital ratios that stand at 13,4%6 for the Fully Loaded Common Equity Tier 1 and 17,7%6 for the Total Capital Ratio, respectively. The use of the digital channelsi: 88% of customers are digital, 66% actively use online services and approximately 92% of transactions take place digitally.
Moody's upgraded Crédit Agricole Italia's rating to A3 (from Baa1), with a stable outlook. It also upgraded its rating on the Premium Covered Bond Program to Aa2 from Aa3.
The CEO and Senior Country Officer Hugues Brasseur (in the picture) commented: “TheItaly confirms itself as a key market of the Crédit Agricole Group, with over 6 million customers and contributing €1,1 billion to the Group's net profit. These results are consistent with the challenges of the Group's PMT Act 2028, a growth project that leverages the excellence of all business lines, within a coherent and coherent strategic plan. In this context, Crédit Agricole Italia, with a diversified and growth-oriented business model,
In support of customers, it generated a net profit of 797 million euros, over 3 billion in revenues and 11 billion in new financing, confirming its ability to generate solid profitability in line with previous years.”
In the field of innovation, the year just ended saw the further growth of the Village network: the five offices active throughout Italy (Milan, Parma, Padua, Catania and Sondrio) actively support over 200 startups and accompany approximately 100 partner companies on their innovation journeys.
The following have played a great role initiatives for colleagues and new generationsIn 2025, Crédit Agricole Italia dedicated a total of over 600 thousand hours of training and started a important generational changeover process, which is part of the activities of the Medium-Term Plan ACT 2028.
Finally, there are numerous initiatives for the implementation of its sustainability strategy and for social issues. Territorial Committees They confirmed their commitment to connecting communities, businesses, and young talent, while the "payroll giving" program, which directly involves colleagues and the company in fundraising for top pediatric healthcare facilities, continued. Social commitment was also reflected in the renewal of the partnership with Save the Children with the Connessioni Digitali project, which involved all the Group's companies in Italy and featured students, teachers and secondary schools throughout the national territory.
The Crédit Agricole Group as a whole obtained a 2025 net profit of 8,754 billion euros, with revenues of 39,558 billion euros.
