BFCM is at the core of the Crédit Mutuel Alliance Fédérale group, a French mutual group made up of 14 regional federations, supported by two networks (Crédit Mutuel and CIC) whose main activity is Bancassurance.
Its capital is 91.7% owned by Caisse Fédérale de Crédit Mutuel.
As the holding company, BFCM owns all the group's subsidiaries outside the mutualist scope. These subsidiaries cover the fields of bancassurance, specialized financial services (consumer credit, leasing, etc.), electronic banking and IT. It acts as a central refinancing unit and consolidates all the activities of Crédit Mutuel Alliance Fédérale outside the mutual scope.
Crédit Mutuel Alliance Fédérale's Key figures
Driven by net revenue growth, Crédit Mutuel Alliance Fédérale achieves historic net income of €4.2 billion in 2025.
Full Year 2025 financial results
€17.7bn Net revenue +6.7% vs 2024
55.3% Cost/Income ratio -0.4% pt vs 2024
33 bps Cost of risk -5 bps vs 2024
€4.2bn Net income +11.4% vs 2024 without tax surcharge
0.45% Return on average assets (ROAA) Stable vs 2024
Financial structure
€943bn Total assets +1.1% vs 12/31/2024
19.7% CET1 ratio (estimated) +0,9 pt vs 12/31/2024
165.9% LCR ratio (12-month average) -11.1 pts vs 12/31/2024
110.8% Loan-to-deposit ratio +1.6 pt vs 12/31/2024
Banque Fédérative du Crédit Mutuel
4 rue Frédéric-Guillaume Raiffeisen
67000 Strasbourg
France
Financial Ratings
- S&P A-1andA+ stable
- Moody's P-1andA1 stable
- Fitch Ratings F1+andAA- negative
Extra-financial Ratings
- MSCI: AA
- Sustainalytics: 16.5
- ISS ESG: C
- Moody's ESG: 64
Correspondant Banking
- RCS 355 801 929-Strasbourg
- Swift: CMCIFRPA XXX
- Clearstream: 70323
- ESES: Adhérent 181 et 381