Crédit Agricole Touraine Poitou: CET1 ratio raised to 31.38% as of June 30, 2026
The Regional Mutual Credit Bank of Touraine and Poitou has published its half-yearly Pillar 3 report as of June 30, 2026.
The regulatory document details the prudential solvency, leverage and liquidity ratios of the institution. It reveals a strengthening of equity ratios over one year, in a context of continuous decline in the total amount of risk exposure.
A CET1 ratio of 31.38%, up over one year
As of June 30, 2026, the tier 1 capital ratio (CET1) stands at 31.38%, compared with 30.82% at December 31, 2025 and 28.52% at June 30, 2025.
CET1 equity reaches 1,642,424 thousand euros, down slightly from the 1,665,617 thousand euros at the end of 2025, but up from the 1,590,360 thousand euros on June 30, 2025. The total equity ratio comes to 31.68%, compared with 31.11% at December 31, 2025 and 28.77% at June 30, 2025.
Rise in ratios thanks to decline in weighted exposures
The increase in solvency ratios is partly explained by the reduction in the total amount of risk exposure, brought down to 5,234,340 thousand euros as of June 30, 2026, compared with 5,405,050 thousand euros at December 31, 2025 and 5,576,805 thousand euros at June 30, 2025.
Overall capital requirements amount to 11.46%, a level that the institution far exceeds. After compliance with total SREP capital requirements, available CET1 equity represents 23.68% of the risk exposure amount, compared with 23.11% at the end of 2025.
The leverage ratio stands at 11.44%, compared with 11.63% at December 31, 2025 and 11.05% at June 30, 2025, for a requirement of 3.00%.
Liquidity ratios above regulatory minimums
The liquidity coverage ratio (LCR) reaches 113.88%, compared with 114.89% at December 31, 2025 and 115.17% at June 30, 2025.
The net stable funding ratio (NSFR) comes to 105.27%, compared with 105.75% at the end of 2025 and 106.98% at June 30, 2025. This ratio reflects available stable funding exceeding required stable funding.
As of June 30, 2026, the institution indicates that all of its ratios are above the minimum requirements applicable to it.
