Annual Report 2025 (ACPR)

Summary

• The ACPR employs 1,046 full-time equivalent staff.p.12
• It handled 5,281 authorisation decisions for payment service provider agents, of which 1,223 concerned agents established in other EEA countries.p.22
• Net banking income of the six main French banking groups rose 5.6% to €167.5 billion in 2025, and their net income rose 10.2%.p.34
• The six main French banking groups reported a Common Equity Tier 1 ratio of 15.7% at end-December 2025.p.35
• Insurers' solvency coverage stood at around 250%.p.31

Key insights

1. Exposure to non-bank financial institutions represents 9% of the total balance sheet of the six main French banking groups.p.35
2. The fintech charter led to around 95 contacts in 2025, with 96% of regulatory questions answered within two weeks.p.26
3. The ACPR surveyed 9 banking institutions and 35 insurance organisations on AI adoption.p.26
4. A cross-sector DORA compliance questionnaire was sent to 175 entities.p.27
5. The ACPR approved 5 new reinsurance captives, bringing the total of active entities to 24.p.33
6. 80% of bonds held by French insurers are rated above A-, while only 1% are rated below BBB-.p.31
7. The natural catastrophe surcharge was raised from 12 to 20%.p.9