CIC achieves solid 2025 half-year results with higher net revenue and net income
Published on 30/07/2025
With net revenue up +3.6% to €3.393 billion and net income rising sharply by +12.7% to €951 million, CIC posted very good results for the first half of 2025.
This remarkable performance confirms the relevance of the Togetherness Performance Solidarity strategic plan. It also reflects the commitment of CIC's 20,000 employees to supporting its individual, professional and corporate customers during a period of economic turmoil caused by the global geopolitical context.
These solid results were driven by the strong momentum in retail banking (+6.8%) and particularly by the banking networks (+7.3%), which benefited from a favorable net interest margin effect and the upturn in demand for home loans. Capital markets also posted significant growth of +11.0%.
General operating expenses were contained at -€1.998 billion (+3.8%). They illustrate CIC's investments in terms of social pact, technology and development in Europe and internationally. As a benefit corporation, general operating expenses also reflect CIC's impact engagement policy through its Societal Dividend.
Total cost of risk fell by -20.2% to -€213 million in the first half. With a cost/income ratio of 58.9%, CIC posted a strong operating performance. At end-June 2025, CIC's solidity was strengthened, with €21.4 billion in shareholders' equity.