Jean-Paul DUPARC
The year 2025 was marked by a downturn in the automotive market, with a 5% decline in France, mainly due to the impact of an energy transition driven by regulatory requirements and an uncertain economic environment.
In this unstable environment, the Banque Stellantis France Group successfully leveraged its privileged relationship with STELLANTIS' dealer networks, prioritised the development of solutions tailored to the needs of its customers, and supported the brands throughout their numerous product launches.
The results achieved under the 2025 social leasing programme, with a 50% market share, fully reflect this commitment.
Despite a declining market environment, the Banque Stellantis France Group maintained a strong BtoC penetration rate of 68% in France, including 87% for electric vehicles. The BtoB activity also performed strongly, supported by the complete overhaul of the finance lease offer. Outstanding financing continued to increase slightly, exceeding €20 billion for the first time.
With a Google review score of 4.6, CREDIPAR ranked first among automotive finance companies in 2025, reflecting our teams’ daily commitment to our customers.
From a financial perspective, the Banque Stellantis France Group delivered solid results in 2025, supported by the resilience of outstanding financing volumes built up over the past three years. Operating income grew by 3.5%, driven by improved funding conditions, the growth momentum of DISTINGO Bank’s savings business, and effective cost management that helped maintain risk ratios aligned with the Group’s activity.
The Banque Stellantis France Group fulfilled its role as a brand financing partner alongside STELLANTIS by supporting the dealer networks through temporary measures designed to strengthen their liquidity and ensure the remarketing of buy-back returns.
In 2025, we reinforced our fundamentals thanks to the commitment of our teams and the trust of our partners, enabling us to approach the coming years with determination and confidence.