CREDIT MUTUEL ARKEA : 2025 Net Profit Up Significantly ( +14 % yoy to EUR 450m ) - Crédit Mutuel Arkéa Delivering on the Sustainable Growth Ambitions of Its Faire 2030 Strategic Plan

finanznachrichten.de · Feb 19, 2026 · Collected from GDELT

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Brest, 19 février 2026 - The Board of Directors of Crédit Mutuel Arkéa, meeting under the chairmanship of Julien Carmona, approved the financial statements for the year ended 31 December 2025.In a complex economic and financial environment, Crédit Mutuel Arkéa delivered strong performance, with Group net profit reaching €450 million, up 13.8% year-on-year. This momentum reflects the strength of its diversified, open and innovative business model. The Group continues to expand successfully across online banking, life insurance and asset management.The number of customers grew to a record 5.64 million clients at year-end 2025 (+259,000(1)), including +237,000 in online banking and +28,000 across the Crédit Mutuel de Bretagne and Crédit Mutuel du Sud-Ouest local banking networks.Revenues rose significantly to €2,424 million (+11%), reflecting strong commercial momentum across business lines. Combined with disciplined growth in operating expenses (+5.2%), this resulted in a marked improvement in the cost-to-income ratio, which stood at 65.2%, down 3.6 percentage points versus 2024. In line with the domestic trend of further increase in corporate insolvencies and a prudent outlook on the economic environment, cost of risk increased by 31.7% to €237 million, while the loan portfolio remained of high quality.Crédit Mutuel Arkéa confirms its profitability trajectory and the relevance of its mid-sized banking model. Backed by a very solid balance sheet (with a CET1 ratio of 17.9%, among the highest in Europe), the Group remains firmly on a sustainable growth path, fully aligned with its 'Faire 2030' strategic plan. As a mission-driven bank, it continues to support the real economy, sustainable regional development, and solidarity initiatives.SIMPLIFIED INCOME STATEMENT 31/12/202531/12/2024Change%Income (€m)2,4242,184+ 241+11 %Operating expenses (€m) M€1,5801,502+ 78+5.2 %Cost-to-income ratio65.2 %68.8 %-3,6 pp Gross operating income (€m)844682+ 162+23.8 %Cost of risk (€m)237180+ 57+31.7 %Profit before tax (€m)603500+ 103+20.6 %Income tax (€m)147100+ 47+46.7 %Net income - Group share (M€)450395+ 55+13.8 %FY 2025 performance highlightsA new milestone in addressing extra-financial challengesTrue to its cooperative and mutualist model, Crédit Mutuel Arkéa continues to implement a strategy that positions sustainable finance as a driver of performance, reconciling economic value creation with environmental and social impact.This ambition, formalised through the adoption of a corporate purpose in 2019 and the adoption of a mission-driven company status in 2022, has enabled the Group to set quantified targets, notably in financing the transition and mobilising green savings. These commitments - strongly embedded in the strategic plan (see mission-driven company commitments at the end of this release)- are based on a structuring belief: financial and non-financial performance are bound together.In January 2024, the CSRD (Corporate Sustainability Reporting Directive) come into force. This marked a new step forward in sustainability reporting harmonisation. In this context, Crédit Mutuel Arkéa is developing its approach by integrating key CSRD indicators with those linked to its mission-driven commitments, thereby reinforcing its impact ambition(2).Strong commercial momentum across all business linesIn 2025, Crédit Mutuel Arkéa delivered strong commercial activity, reflecting the Group's momentum across all business lines and the relevance of its strategic decisions.Growing customer baseDriven by both online banking and retail network banking, the customer portfolio reached 5.64 million clients, representing a significant year-on-year increase (+259,000). Online banking was a key contributor to this growth, with nearly 237,000 new clients. Fortuneo's strong performance in 2025 reflects enhanced commercial momentum and the breadth of its product offering, notably in brokerage and savings products. At year-end 2025, the Group's online banking division (Arkéa Direct Bank, which includes Fortuneo in France and Keytrade Bank in Belgium) reported 1.63 million clients, representing an increase of more than 70% over the past four years ( +106% for Fortuneo only)The retail banking networks welcomed 28,000 new clients(3), driven by proximity and the quality of customer relationships within the Crédit Mutuel de Bretagne and Crédit Mutuel du Sud-Ouest local branches. This positioning is confirmed by the 2025 brand awareness and image barometer(4): Crédit Mutuel de Bretagne is the most recognised bank in Brittany and is perceived as the most socially responsible bank in its region. Crédit Mutuel du Sud-Ouest is identified as the bank most activeé in its territory and ranks among the two most attractive local banks.The Group's online banking strategy has also received international recognition, with Fortuneo ranked in Forbes' "World's Best Banks 2025", named "Least Expensive Bank in 2025" by Le Monde, and awarded "Best Customer Satisfaction" by Moneyvox.Healthy momentum in lendingGross outstanding loans reached €94 billion, an increase of nearly €3 billion compared with year-end 2024. Loan production totalled €15 billion, up 6% year-on-year. Growth was particularly strong in professional and corporate lending, where production rose by 11% to €5.4 billion. Housing loan production reached €5.1 billion, up 8% year-on-year.Loans supporting climate transition amounted to €2.7 billion, representing a 2.4-fold increase year-on-year. This reflects the evolution of the Group's offerings to better help clients in their transition efforts.The carbon intensity of the residential housing loan portfolio stood at 12.7 kgCO2e/m²/year at year-end 2025, down 14%, confirming the decarbonisation trajectory underway. This performance reflects Crédit Mutuel Arkéa's support for clients in improving the energy efficiency of their properties. By way of illustration, in 2025 the federations launched the "Avantage Rénovation Énergétique" mortgage product, which offers an interest rate reduction upon completion of energy efficiency renovation works.Record savings inflowsTotal savings outstanding reached €197.4 billion, up 8.5% year-on-year. Net savings inflows amounted to €8.8 billion in 2025, driven by the strong contribution of Arkéa Asset Management, Arkéa Direct Bank, and Suravenir. 2025 was also marked by record gross life insurance inflows of €6.4 billion, reflecting the attractiveness of Suravenir's offering and the relevance of its multi-channel distribution strategy in a favourable market environment. In addition, Crédit Mutuel Arkéa significantly strengthened its contribution to climate transition in 2025, with gross green savings inflows reaching €2.2 billion, up 87.2% year-on-year.A committed banking partner supporting regional vibrancyCrédit Mutuel Arkéa further strengthened its role as a strategic partner across its territories, notably through:€1.9 billion in loan production (+14%) to local public sector entities, up 13.8% compared with 2024, particularly in support of social housing and healthcare facilities. This momentum also translates into concrete actions, such as the partnership between Arkéa Banque Entreprises & Institutionnels, Crédit Mutuel de Bretagne and Crédit Mutuel du Sud-Ouest with Enéal, aimed at refurbishing senior residences and developing housing solutions tailored to ageing populations across the regions.€647 million in loan production (+3%) for the agricultural sector, contributing to food sovereignty and supporting a sector facing major transition and generational renewal challenges in a demanding environment. Crédit Mutuel de Bretagne supported nearly 33% of young farmers setting up operations in the region.As part of its commitment to regional development and to entrepreneurs, Arkéa Capital, the Group's private equity subsidiary, completed €119 million in new investments in 2025, up 25% compared with 2024. In line with its strategic ambition to expand third-party asset management, the subsidiary announced the second closing of its Arkéa Capital 3 fund at €73 million, just ten months after launch. The fund reflects strong momentum among private and institutional investors and aims to support the development of around twenty SMEs and mid-sized companies selected for their economic dynamism and capacity to create value and employment in the regions.Growth in insurance premiums earned on portfolio In property and casualty and personal insurance, earned premiums on the in-force portfolio increased by 5.3%, reaching €567 million. Premiums on new business declined by 28.2% compared with 2024, reflecting the revision of Suravenir Assurances' commercial policy, including the termination of certain partnerships not profitable enough, and a more selective underwriting approach.Increase in brokerage volumesDriven primarily by the online banking business, the number of transactions brokered rose by 22.2% to 14.8 million, supported by market volatility, which stimulated trading volumes, and by the emergence of a new generation of younger investors, further reinforcing the structural growth momentum.Strong revenue growth driven by a diversified business modelGroup revenues increased by 11% to €2.4 billion, reflecting the following trends:Net interest income rose to €877 million (+19%), driven by an improvement in net interest margin owing to the higher average yield on the fixed-rate loan portfolio and a decline in the cost of customer funding.Fees and commissions income grew to €784 million (+8%), supported by the increase in assets under management and the aforementioned increase in brokerage fees.Insurance revenues increased to €514 million (+4%), reflecting growth in life insurance outstandings and higher net earned premiums in property and casualty and personal insurance.Other income rose to €248 million (+12%), notably driven by the disposal of a minority stake in Swen Capital Partners.Crédit Mutuel Arkéa's business model delivers a strong