A strong and diversified group
Leading positions
- No. 1 financing bank for local authorities and public hospitals since 2015
- No. 1 among the 25 largest global life insurers (ShareAction 2025 ranking)
- No. 2 in term creditor insurance
Solid results
- Attributable net profit of €1.6 billion, up 31.2% vs. 2024;
- NBI*$ growth (+2.7% year on year) to €7.7 billion, driven by the strong increase in NIM (+24.4%) and the solid performance in life insurance;
- Operating expenses*$ under control at €4.8 billion (+0.2% vs. 2024) thanks to operational efficiency gains creating a positive jaw effect (+2.5 points);
- Cost-income ratio*$ at 62.8%, down 1.6 points year on year;
- Efficiently managed risk profile with a stable cost of risk (€250 million), or 12 basis points of outstanding loans (+1 basis point);
- RONE at 11.5%, up 2.5 points vs. 2024*$.
Restated 2025 data (see Note on methodology; Note on Alternative Performance Measures).
Restated 2025 data (see Note on methodology; Note on Alternative Performance Measures).
Restated 2025 data (see Note on methodology; Note on Alternative Performance Measures).
RONE = Attributable net profit/Average risk-weighted assets capitalised at 14%.
Financial structure
- High solvency position with a CET1 ratio of 18.6%;
- Robust liquidity position with LCR at 165% and NSFR at 118%;
- CNP Assurances Group SCR coverage ratio of 256% at end 2025.
2025 successes in line with the transformation plan
- Increase in sales to retail customers at post offices (up 10%) and online (up 16%);
- Record gross inflows in the insurance sector within the La Banque Postale network, totalling €12.5 billion;
- Record financing for the Local Sector and Social Economy totalling €13.8 billion;
- CNP Assurances has forged new international partnerships (in Brazil and Italy).
Non-financial performance
- Growth in sustainable financing*$ (up 1 percentage point*$ compared with 2024) to reach 34% of total production;
- 79% of banking activities covered by the Global Impact Index;
- Marginal exposure to fossil fuels: 0.005%*$
- Aiming for net-zero emissions by 2040, 10 years ahead of the Paris Agreement targets
- Some of the best non-financial ratings in the world : La Banque Postale is among the leaders for its non-financial ratings.
In total new medium- and long-term originations to retail customers, corporates and institutions in support of the energy transition and social and regional projects.
The classification of consumer finance sustainable loans was subject to a methodological change in early 2025.
As of the end of June : Percentage of financing and investments in the “Corporate” portfolio in the coal, oil, and gas sectors, excluding companies with a transition plan and/or projects related to renewable energy. The net exposure as of June 30, 2025, is €1.4 million.