The Group’s activity was robust in 2024, driven by a unique model that offers dual growth potential: our teams continue to meet the ever-evolving and diverse expectations of our retail customers, while our specialised business lines expand into regions through acquisitions or partnerships.

The Crédit Agricole Group achieved reported net income of €8.6 billion in 2024, up 4.6% compared with 2023. Crédit Agricole S.A.’s reported net income increased by 11.6% to €7.1 billion, demonstrating the resilience of our Universal Banking model and its ability to generate performance, despite an unstable environment.

Against this backdrop, Crédit Agricole CIB had a record year, maintaining a strong balance between financing and market activities alongside increased revenue from financial institutions.

Crédit Agricole CIB remains committed to an ambitious trajectory to navigate the challenges of the coming years. Sustainable finance continues to be an essential growth driver for both our clients and our regions and remains at the heart of our commitment. Digitalisation is another strategic focus, along with the modernisation of our tools, processes and solutions. We will continue to build on our historical strengths: excellent customer service and rigorous risk management. Additionally, we are dedicated to strengthening our organisation by promoting accountability, a central driver of both performance and employee fulfilment.

The dedication and commitment of our teams are invaluable assets that will enable us to tackle challenges we face, affirming our ability to innovate, grow and build an ever stronger future for our clients and partners.