法国农业信贷银行（CRÉDIT AGRICOLE）2025年度财务报告（英文版）（1082页）.pdf

1、UNIVERSALWORKING EVERY DAY IN THE INTEREST OF OUR CUSTOMERS AND SOCIETYDOCUMENTREGISTRATION2025 ANNUAL FINANCIAL REPORTSUMMARYCRDIT AGRICOLE GROUP PROFILE2Interview with Eric Vial and Olivier Gavalda21PRESENTATION OFCRDITAGRICOLES.A.ANDCRDITAGRICOLEGROUP8A solid player(Crdit Agricole Group data)9A p

2、rofitable player,offering anattractivereturn oninvestment10CrditAgricoleGroup,acommitted player11Crdit Agricole Groups business model12CrditAgricoleGroup business lines at 31December 202514Retail banking16Asset Gathering24Specialised Financial Services28Large customers30Specialised Businesses and su

3、bsidiaries322025 highlights36History40Information on the share capital and shareholders42Stock market data442SUSTAINABILITY REPORT48Sustainability report CrditAgricoleS.A.49General information52Responsibility for climate change79Social responsibility117Responsibility for business conduct161Appendice

4、s176Report onthecertification ofsustainability information andverification ofthedisclosure requirements nderArticle8ofRegulation(EU)2020/852201Cross-reference table205Sustainability report Crdit Agricole Group206General information207Responsibility for climate change235Social responsibility274Respon

5、sibility for business conduct309Report onthecertification ofsustainability information andverification ofthedisclosure requirements nderArticle8ofRegulation(EU)2020/8523473CORPORATE GOVERNANCE352Report of the Board ofDirectors354Additional information on corporate officers 382Information on executiv

6、es andmanagement bodies400Reward policy405Vigilance Plan4544REVIEW OFTHE2025 FINANCIAL POSITION ANDPERFORMANCE478Crdit Agricole S.A.and Crdit Agricole Group activities and financial information480Information on Crdit AgricoleS.A.s financial statements(parent company)5205RISK FACTORS ANDRISKMANAGEMEN