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
These results stem from an excellent commercial performance in all regions and strengthened operating efficiency.
Half Year 2025 - Financial results
€8.8bn Net revenue +6.2% vs H1 2024
57.3% Cost/Income ratio +0.3% pt vs H1 2024
32 pbs Cost of risk -3 bps vs H1 2024
€1.8bn Net income +5,3% vs H1 2024 without tax surcharge
0.39% Return on assets -6 pbs vs H1 2024
Financial structure
€932bn Total assets Stable vs 12/31/2024
19.4%1 CET1 ratio +0,7 pt vs 12/31/2024
164.8% LCR ratio (6-month average) -13,2 pts vs 06/30/2024
110.4% Loan-to-deposit ratio +1,2 pt vs 12/31/2024
1 Estimated at June 30, 2025, the inclusion of the result in shareholders' equity is subject to the approval of the ECB.
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- stable
Extra-financial Ratings
- MSCI: AA
- Sustainalytics: 16.7
- ISS ESG: C
- Moody's ESG: 64
Correspondant Banking
- RCS 355 801 929-Strasbourg
- Swift: CMCIFRPA XXX
- Clearstream: 70323
- ESES: Adhérent 181 et 381