Financial Performance - Diversified net revenue for the year ended December 31, 2025, reached €13.137 billion, an increase of 6.2% from €12.370 billion in 2024 [1][2] - Retail banking revenue grew by 7.4% to €9.038 billion, while insurance revenue increased by 7.5% to €1.558 billion [1][7][8] - General operating expenses rose by 5.8% to €6.629 billion, reflecting investments in personnel and technology [1][10] - Income before tax increased by 10.9% to €4.811 billion, driven by revenue growth and controlled operating costs [1][16] - Net income rose by 1.4% to €3.461 billion, despite a significant increase in income tax due to a new surcharge [1][17][18] Cost Management - The cost of risk stabilized at -€1.685 billion, a decrease of 6.8% from -€1.807 billion in 2024 [1][12] - The cost of proven risk increased by 9.3% to -€1.789 billion, while the cost of non-proven risk showed a net reversal [1][13][14] - The cost/income ratio improved by 0.2 percentage points to 50.5% [1][11] Business Line Performance - Retail banking net income surged by 19.0% to €1.519 billion, with a slower growth in general operating expenses [1][26] - Insurance business contributed €997 million to net income, stable year-on-year, despite a significant tax contribution [1][27] - Asset management and private banking revenues stabilized at €1.342 billion, with private banking showing a 3.0% increase [1][28] - Corporate banking revenue declined by 8.7% to €628 million, impacted by lower interest rates [1][29] - Capital markets revenue increased by 12.9% to €593 million, with net income rising by 16.5% to €224 million [1][30] Financial Structure - Shareholders' equity reached €48.8 billion at the end of 2025, up from €45.2 billion in 2024 [1][19] - The Common Equity Tier 1 (CET1) ratio was estimated at 19.7%, indicating strong capital adequacy [1][19] - Total assets amounted to €741.473 billion, reflecting growth in customer loans and total savings [1][32][34]

Group 1 - The document provides information regarding the availability of the Final Terms for the issuance of BFCM series 597 tranche 2 [2][3] - The Banque Fédérative du Crédit Mutuel has made the document accessible to the public on its issuer website [2] - Copies of the document can be obtained free of charge from the issuer [2]

Group 1 - The Banque Fédérative du Crédit Mutuel (BFCM) has made available the Final Terms for the issuance of series 595 tranche 1 [2][3] - The document can be accessed by the public on the issuer's website [2] - Copies of the document are available free of charge from the issuer [2]

Group 1 - The first amendment to the 2024 Universal Registration Document of Banque Fédérative du Crédit Mutuel and Crédit Mutuel Alliance Fédérale was filed on August 7, 2025, with the AMF under number D.25-0241-A01 [2] - The interim financial report of BFCM is included in the document and is also available on the AMF website [3] - Crédit Mutuel Alliance Fédérative is one of France's leading banking and insurance providers, employing 79,000 staff and serving 31 million customers through 4,100 branches [4][6] Group 2 - Crédit Mutuel Alliance Fédérative is the first French banking group to adopt the status of a mission-driven company, comprising various federations across France [5] - The group includes Caisse Fédérale de Crédit Mutuel, Banque Fédérative du Crédit Mutuel (BFCM), and several subsidiaries such as CIC, Euro-Information, and Assurances du Crédit Mutuel [6]

Financial Performance - The company reported record net revenue of €6.549 billion for the first half of 2025, an increase of 6.0% compared to €6.178 billion in the same period of 2024 [2][8] - Retail banking revenue rose by 6.4% to €4.427 billion, driven by strong performance in banking networks and consumer finance [2][8] - Insurance revenue increased by 15.7% to €822 million, with growth across all business lines [2][9] - Specialized business lines generated €1.532 billion, up 2.8% year-on-year [2] - General operating expenses increased by 6.1% to €3.405 billion, reflecting investments in growth [2][11] - Income before tax rose by 8.7% to €2.402 billion, while net income decreased by 4.4% to €1.638 billion due to a corporate tax surcharge of €192 million [2][18][19] Cost and Risk Management - The cost of risk was stable at €782 million, a slight decrease of 2.1% from €799 million [2][12] - The cost of proven risk decreased by 6.3%, while the cost of non-proven risk increased significantly [12][13] - Operating income increased by 8.8% to €2.363 billion, supported by higher revenues and controlled risks [15][17] Business Line Contributions - Retail banking net income slightly increased to €643 million, with general operating expenses growing at a slower pace than revenue [26] - Insurance net income was €495 million, up 0.5% year-on-year [27] - Asset management and private banking saw a net revenue increase of 5.1% to €667 million, with net income rising by 14.3% to €129 million [28] - Corporate banking net revenue declined by 3.7% to €323 million, while net income remained stable at €158 million [29] - Capital markets reported a net revenue increase of 11.0% to €331 million, with net income rising by 3.1% to €124 million [30] Financial Structure - Shareholders' equity reached €46.7 billion at the end of June 2025, up from €45.2 billion at the end of 2024 [20] - The estimated Common Equity Tier 1 (CET1) ratio was 19.5%, indicating strong capital adequacy [20] - The company maintained a low cost/income ratio of 52.0% [32] Key Figures - The total balance sheet stood at €732.747 billion, with customer loans amounting to €343.888 billion [32] - The number of customers increased to 22.4 million, up from 22.2 million [32] - The loan-to-deposit ratio was 119.6%, reflecting a stable funding position [32]

Core Points - Banque Fédérative du Crédit Mutuel is exercising its right to call €750,000,000 Undated Deeply Subordinated Fixed to Floating Rate Notes [3][4] - The Issuer Call Date is set for 16 June, 2025, with an Optional Redemption Amount of EUR 1,000 per Denomination [5] Summary by Sections - **Issuer Information** - Banque Fédérative du Crédit Mutuel is the issuer of the Notes [4] - **Call Notice Details** - The Issuer is exercising its General Call Option under the Conditions of the Notes [4] - The Central Securities Depository is instructed to cancel the redeemed Notes on the Optional Redemption Date [5] - **Financial Details** - The total amount of the Notes being called is €750,000,000 [3] - The Optional Redemption Amount is EUR 1,000 per Denomination [5]

https://www.bfcm.creditmutuel.fr/en/programs/standard.html Des exemplaires de ce document sont disponibles, sans frais auprès de l'émetteur : https://www.bfcm.creditmutuel.fr/fr/informations/contact.html Contact Relation Investisseurs Banque Fédérative du Crédit Mutuel: Sandrine Cao Dac Viola : BFCM-WEB@bfcm.creditmutuel.fr Paris, le 7 mai 2025 Communiqué information réglementée Communiqué précisant les modalités de mise à disposition des Final Terms de l'émission de la BFCM séries 586 tranche 1. La Banque ...