Skip to main content

CIC – 2025 full-year results press release

Written by Customer Service on . Posted in Public Companies.

Press release
Results at December 31, 2025

CIC reports very solid annual results for 2025,
with higher net revenue and net income

EXCELLENT RESULTS CONFIRMING THE OBJECTIVES OF CIC’S 2024-2027 STRATEGIC PLAN:

  • Net revenue rose by +7.7%% to €6.8 billion.
  • Net income rose sharply by +12.7% to €1.9 billion. Excluding the non-recurring income tax surcharge (€78 million), net income exceeded €2.0 billion.
  • The cost/income ratio was 56.7%, reflecting a very strong operating performance.

STRONG PERFORMANCE IN BANKING ACTIVITIES:

  • Net banking income from retail banking grew by +7.2%, driven mainly by the performance of the banking networks (+7.7%), which benefited from an improved net interest margin and an upturn in demand for home loans.
  • Capital markets also reported significant growth, with net revenue up +12.9%.
  • This performance reflects the commitment of CIC’s 20,000 employees, who are dedicated to supporting their 5.8 million customers: individuals, professionals, SMEs/mid-cap companies and large corporates.

COST CONTROL AND STRATEGIC INVESTMENTS:

  • General operating expenses were kept under control at -€3.8 billion, a limited increase of +3.0%. They grew at a slower pace than net revenue (+7.7%).
  • They reflect CIC’s ongoing investments: in people, with a stronger social pact; in technology, to maintain its lead, and in its international expansion. They also reflect CIC’s impact engagement policy through the Societal Dividend, in line with its status as a benefit corporation.

TIGHT RISK MANAGEMENT:

  • The total cost of risk was €554 million, down -14.3% compared with 2024. This decrease reflects the proactive risk monitoring approach of CIC’s banking network, subsidiaries and business lines.

INCREASED FINANCIAL STRENGTH:

  • CIC confirmed its financial strength with €22.5 billion in shareholders’ equity at December 31, 2025, compared with €21.1 billion at end-December 2024.
Results for the year ended December 31, 2025112/31/202512/31/2024Change
Strong growth in NET REVENUE€6.756bn6.274 M€        +7.7        %
of which retail banking€4.183bn€3.903bn        +7.2        %
of which specialized business lines€2.439bn€2.449bn        -0.4        %
    
Well-managed GENERAL OPERATING EXPENSES-€3.834bn-€3.723bn        +3.0        %
    
Stabilized COST OF RISK-€554m-€646m        -14.3        %
    
Significant increase in INCOME BEFORE TAX€2.522bn€2.027bn        +24.4        %
    
NET INCOME penalized by surcharge€1.946bn€1.727bn        +12.7        %
of which income tax surcharge-€78m––

STRONG BUSINESS MOMENTUM IN CUSTOMER SERVICES
Customer loansCustomer depositsInsurance2Remote home surveillance2
€261.7bn€229.5bn6.9 million133,000

1 The annual audit of the financial statements for the year ended December 31, 2025 is under way. The Board of Directors met on February 4, 2026 to approve the financial statements. All financial communications are available at: https://www.cic.fr/fr/groupe-cic/investisseurs/information-reglementee.html and are published by CIC in accordance with the provisions of Article L. 451-1-2 of the French Monetary and Financial Code and Articles 222-1 et seq. of the General Regulation of the French Financial Markets Authority (Autorité des marchés financiers – AMF).

2 In number of policies.

Attachment

Disclaimer & Cookie Notice

Welcome to GOLDEA services for Professionals

Before you continue, please confirm the following:

Professional advisers only

I am a professional adviser and would like to visit the GOLDEA CAPITAL for Professionals website.

Important Notice for Investors:

The services and products offered by Goldalea Capital Ltd. are intended exclusively for professional market participants as defined by applicable laws and regulations. This typically includes institutional investors, qualified investors, and high-net-worth individuals who have sufficient knowledge, experience, resources, and independence to assess the risks of trading on their own.

No Investment Advice:

The information, analyses, and market data provided are for general information purposes only and do not constitute individual investment advice. They should not be construed as a basis for investment decisions and do not take into account the specific investment objectives, financial situation, or individual needs of any recipient.

High Risks:

Trading in financial instruments is associated with significant risks and may result in the complete loss of the invested capital. Goldalea Capital Ltd. accepts no liability for losses incurred as a result of the use of the information provided or the execution of transactions.

Sole Responsibility:

The decision to invest or not to invest is solely the responsibility of the investor. Investors should obtain comprehensive information about the risks involved before making any investment decision and, if necessary, seek independent advice.

No Guarantees:

Goldalea Capital Ltd. makes no warranties or representations as to the accuracy, completeness, or timeliness of the information provided. Markets are subject to constant change, and past performance is not a reliable indicator of future results.

Regional Restrictions:

The services offered by Goldalea Capital Ltd. may not be available to all persons or in all countries. It is the responsibility of the investor to ensure that they are authorized to use the services offered.

Please note: This disclaimer is for general information purposes only and does not replace individual legal or tax advice.