Core Viewpoint - The Caisse régionale de la Touraine et du Poitou has celebrated its 30th anniversary, demonstrating a strong commitment to local economic support and client service in 2025, with significant growth in credit activity and overall financial performance [1]. Group 1: Credit Activity - The credit activity saw a significant positive shift in 2025, with new credits amounting to €1.6 billion, reflecting a growth of +13.5% compared to 2024 [2]. - Notably, real estate financing experienced a remarkable increase, reaching nearly €825 million (+26%), with a total outstanding amount of €7.8 billion, benefiting first-time buyers through dedicated financing offers [2]. - The support for professionals, including farmers, businesses, and public entities, was robust, with realizations of €635 million (+2.3%) and a total outstanding amount of nearly €4 billion [3]. Group 2: Financial Performance - The Net Banking Income reached €303.9 million, an increase of 7%, driven by growth across all revenue sources, particularly the intermediation margin which rose by +12.6% due to a favorable interest rate environment [6]. - General operating expenses increased moderately to €202.2 million (+2.3%), reflecting the investment policy aimed at future preparedness [6]. - The net social result was €70.9 million, up by 5.7%, while the consolidated result was €82.2 million, marking a 2.1% increase from the previous year [8]. Group 3: Client Engagement and Growth - Approximately 22,700 new clients joined the Caisse régionale in 2025, with a focus on enhancing client relationships both physically and digitally [5]. - The satisfaction index improved for the second consecutive year, indicating a positive trend in client engagement [5]. - The bank plans to launch a new strategic trajectory in 2026, emphasizing a sustainable, digital, and human-centric banking approach [9]. Group 4: Community Support and Future Plans - In 2025, the Caisse régionale supported social cohesion initiatives with €1.7 million directed towards the associative fabric and donated nearly 700 laptops as part of its digital equipment renewal [9]. - The bank aims to strengthen its community impact through the establishment of a corporate foundation in 2026 [9]. - The organization maintains a strong territorial presence with over 1,500 employees and 730 administrators dedicated to serving clients and the local community [10].