CA Auto Bank achieves €182m operating income in H1 2025

CA Auto Bank closed the first half of 2025 with strong results, posting an operating income of €182 million, supported by robust lending volumes and a surge in its rental and mobility business.

*Giacomo Carelli, Group CEO of CA Auto Bank*

The bank reported average outstanding loans of more than €28 billion, up 2% compared to the same period in 2024. New deal production as an independent operator now represents 89% of the Group’s assets, marking continued progress in its strategic autonomy.

Total new volumes financed during the first six months of 2025 reached €4.4 billion, including rental activity. End-of-period loans amounted to €28.9 billion, down 1% versus H2 2024. The Drivalia segment – focused on rental and mobility services – stood out with 30% growth, while the wholesale business rose by 5%. Conversely, financing and leasing activities saw a 6% decline.

As an independent operator, CA Auto Bank recorded 9.5% growth compared to June 2024 and 78% increase over June 2023. All business lines contributed positively, with Drivalia providing the largest boost.

Net banking income for H1 2025 totalled €420 million, up 5% year-on-year, driven by improved profitability in new business. The net banking income on average loans rose to 2.97%, up seven basis points compared to the same period last year.

Net profit for the period stood at €116 million, a 5% decrease from €122 million in H1 2024, reflecting higher costs and risk provisions.

Operating expenses increased by €14 million (+9%) due to reduced contributions from services provided to third parties and an expansion of staff. The cost of risk climbed to €74 million, up €9 million year-on-year, representing 0.52% of average loans.

The Group continued diversifying its funding sources, with deposits from the public increasing to 15% of total funding, up from 10% a year earlier. Financial backing from the Crédit Agricole Group remained significant, accounting for 38% of total funding.

Capital levels remain strong, with supervisory capital at €4.4 billion, a CET1 ratio of 12.26%, and a total capital ratio of 18.15% at the consolidated level. The latter rose by 157 basis points compared to December 31, 2024, thanks to new capital instrument issuances (AT1 and Tier 2) during the first half of the year.