CIC reports very solid annual results for 2025, with higher net revenue and net income

EXCELLENT RESULTS CONFIRMING THE OBJECTIVES OF CIC'S 2024-2027 STRATEGIC PLAN:

• Net revenue rose by +7.7%% to €6.8 billion.
• Net income rose sharply by +12.7% to €1.9 billion. Excluding the non-recurring income tax surcharge (€78 million), net income
• exceeded €2.0 billion.
• The cost/income ratio was 56.7%, reflecting a very strong operating performance.

STRONG PERFORMANCE IN BANKING ACTIVITIES:

• Net banking income from retail banking grew by +7.2%, driven mainly by the performance of the banking networks (+7.7%), which
• benefited from an improved net interest margin and an upturn in demand for home loans.
• Capital markets also reported significant growth, with net revenue up +12.9%.
• This performance reflects the commitment of CIC's 20,000 employees, who are dedicated to supporting their 5.8 million customers: individuals, professionals, SMEs/mid-cap companies and large corporates.

COST CONTROL AND STRATEGIC INVESTMENTS:

• General operating expenses were kept under control at -€3.8 billion, a limited increase of +3.0%. They grew at a slower pace than net revenue (+7.7%).
• They reflect CIC’s ongoing investments: in people, with a stronger social pact; in technology, to maintain its lead, and in its international expansion. They also reflect CIC's impact engagement policy through the Societal Dividend, in line with its status as a benefit corporation.

TIGHT RISK MANAGEMENT:

• The total cost of risk was €554 million, down -14.3% compared with 2024. This decrease reflects the proactive risk monitoring approach of CIC's banking network, subsidiaries and business lines.

INCREASED FINANCIAL STRENGTH:

• CIC confirmed its financial strength with €22.5 billion in shareholders' equity at December 31, 2025, compared with €21.1 billion at end-December 2024.