Core Insights - Crédit Agricole Group reported strong financial results for 2025, with revenues of €39,558 million, up 3.9% year-on-year, and net income of €8,754 million, an increase of 1.3% compared to 2024 [1][34][33] - The company plans to increase its dividend to €1.13 per share, reflecting a 3% increase from 2024 [2] - The ACT 2028 Strategic Plan is on track, with a focus on growth across all business lines and a strong emphasis on digitalization and international expansion [3][7] Financial Performance - Revenues for Crédit Agricole S.A. reached €28,079 million, a 3.3% increase from 2024, while operating expenses rose by 4.9% to €15,628 million [1][54] - The cost/income ratio for Crédit Agricole S.A. was 55.7%, up 0.9 percentage points from the previous year, indicating a slight increase in operational efficiency [1][54] - The cost of risk increased by 6.6% to €1,973 million, reflecting a cautious approach to credit risk management [1][35] Customer Growth and Market Position - The Group gained 2.1 million new customers in 2025, with significant growth in retail banking, particularly in France [6][10] - On-balance sheet deposits totaled €847 billion, up 1.2% year-on-year, while outstanding loans reached €895 billion, a 1.7% increase [10][41] - The property and casualty insurance equipment rate rose to 44.7%, indicating a growing customer base in insurance products [10][41] Business Line Performance - The Asset Management division saw net inflows of €21 billion in the fourth quarter, driven by strong performance in both passive and active management [12][64] - Insurance revenues reached €13.1 billion in the fourth quarter, up 20.4% year-on-year, contributing to a record annual revenue of €52.4 billion [59] - Corporate and Investment Banking reported record revenues for both the quarter and the full year, benefiting from strong capital markets activity [14][5] Strategic Initiatives and Future Outlook - Crédit Agricole is set to launch several strategic initiatives in 2026, including a digital savings platform in Germany and enhanced offerings for young customers [16][20] - The Group aims to capture 8 million new customers by 2028, positioning itself as a leading bank for young people and expanding its market share in Europe [19][21] - Continued investment in energy transition financing is a priority, with low-carbon financing exposure increasing significantly [24][25]

Tornator Grew to a New Level: Group Revenue EUR 232 Million and Balance Sheet EUR 4 Billion – Forest Assets Exceeded 800,000 Hectares Financial Statements release - 3 February 2026 at 3 pm SUMMARY FOR THE PERIOD 1 January – 31 December 2025 ·Turnover increased to EUR 232.2 million (+9.0%). Strong demand raised timber sales prices early in the year, and well-planned timber sales batches met customer needs throughout the year. ·Adjusted operating profit rose again to a new record of EUR 168.4 million (154.1 ...

Core Insights - Evergreen Marine has upgraded its fleet to Inmarsat's NexusWave bonded connectivity solution, enhancing crew experience and accelerating digitalisation [1][2][3] Group 1: Company Developments - Evergreen Marine is the first Taiwanese operator to implement the NexusWave solution, reinforcing its long-standing partnership with Inmarsat Maritime [1] - The upgrade to NexusWave introduces bonded, multi-network connectivity, providing fast speed, unlimited data, and always-on performance for crew and operations [2] - The solution is designed to enhance crew welfare, strengthen cybersecurity, and support operational excellence [3] Group 2: Technological Advancements - NexusWave leverages the ViaSat-3 ultra-high-capacity network, enabling scalable platforms for predictive analytics and real-time monitoring across the fleet [2] - The solution is secure-by-design and engineered to scale with demand, aligning with Evergreen's growth plans [2][3] - The transition to NexusWave is part of Evergreen's 'Evergreen IT' modernisation programme, aimed at continuous innovation for customers [1][3]

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Core Insights - The company faced difficult market conditions in Q3 2025, impacting overall performance, with trade policy uncertainty and geopolitical tensions affecting key markets differently [2][3] - Despite challenges, the company remains financially robust and continues to invest in capacity expansion, decarbonisation, and digitalisation [3] Financial Performance - Revenue for the first nine months of 2025 reached 2,910 MEUR, a 1% increase compared to the previous year, with 2024 acquisitions contributing a 2 percentage point positive impact [4] - Q3 2025 revenue was 963 MEUR, reflecting a 2% increase in local currencies and a 1% increase in reported figures, again aided by 2024 acquisitions [4] - EBITDA for the first nine months was 665 MEUR, with a margin of 22.9%, down 1.7 percentage points year-over-year [4] - Q3 2025 EBITDA was 215 MEUR, with a margin of 22.3%, down 2.9 percentage points compared to Q3 2024 [4] - EBIT decreased by 11% to 457 MEUR in the first nine months, with a margin of 15.7%, down 2.1 percentage points year-over-year [4] - Q3 2025 EBIT decreased by 14% to 150 MEUR, with a margin of 15.5%, down 2.6 percentage points compared to Q3 2024 [4] Investments and Cash Flow - Total investments in the first nine months of 2025 amounted to 307 MEUR, focusing on new factories in North America and India, production expansion in Romania, and electrification of existing production lines [4] - Cash flow from operations before financial items and tax was 579 MEUR in the first nine months, down from 684 MEUR the previous year [4] Shareholder Information - The company initiated a share buy-back program, purchasing 3,259,800 B shares for a total of 119 MEUR during the first nine months of 2025 [4] - Shareholders can request conversion of A shares to B shares from 26 November 2025 until 10 December 2025 [4] Outlook - Revenue is expected to remain at last year's level in local currencies, with EBIT margin projected between 14-15% [4]

Financial Targets & Growth Strategy - The company aims for a Return on Equity (ROE) greater than 12% by 2028 [5, 79] - The company targets a Cost/Income (C/I) ratio of less than 55% by 2028 [5, 79] - The company aims to achieve an income greater than €10 billion by 2028 [5, 79] - The company targets a CET1 ratio greater than 13.75% [5, 79] - The company plans to allocate approximately 50% of its capital to the Corporate Bank, excluding Clearing [5, 79] Cost Reduction & Efficiency - The company plans to reduce FTEs (Full-Time Equivalents) by 5,200 by 2028 [42] - The company aims to reduce its cost base to around €5.5 billion by 2028 [210] - The company expects to realize approximately €900 million in gross cost savings between 2024 and 2028 [204] Business Expansion & Capital Allocation - The company aims to grow client assets in Wealth Management to over €335 billion by 2028 [35, 71, 135, 191] - The company plans to allocate approximately €1 billion in capital for NIBC, expecting a return on invested capital (RoIC) of around 18% [69, 119] - The company intends to generate at least €7.5 billion of capital over the period 2026-2028 [51, 52, 234]

Core Viewpoint - ABN AMRO has unveiled a new strategy aimed at achieving profitable growth and setting financial targets for 2028, focusing on enhancing value for stakeholders through three strategic priorities: accelerating growth, right-sizing the cost base, and optimizing capital allocation [1][2][6]. Strategic Priorities - The bank plans to accelerate profitable growth by strengthening its position in Dutch retail banking and investing in digital innovations and challenger brands [6][9]. - A significant reduction in the workforce by 5,200 FTEs is planned by 2028 compared to 2024, with a commitment to support affected employees through a robust social plan [4][17]. - Capital will be reallocated to higher-return segments, with a reduction of €10 billion in risk-weighted assets in the Corporate Bank [11]. Financial Targets for 2028 - ABN AMRO aims for a return on equity (ROE) of at least 12% and a cost/income ratio below 55% [7][8]. - The bank targets an income exceeding €10 billion and a CET1 ratio above 13.75% [8]. Long-term Ambitions - The bank seeks to become a top-five private bank in Europe and strengthen its position in Dutch retail banking [3]. - ABN AMRO will support key European transitions in digitalization, energy, mobility, and defense [3]. Leadership and Organizational Changes - The leadership team is set for continuity, with key executives nominated for a second term to ensure ownership of the strategic plans [12]. - The organizational structure is being simplified to enhance efficiency, with a focus on reducing legal entities and optimizing processes through technology [17]. Strategic Partnership - ABN AMRO has agreed to sell its personal loan business, Alfam, to Rabobank, while continuing to offer personal loans through a third-party arrangement [13].