Approximate figures · 2025-Q4. All quarters shown for Credito Agricola are estimates compiled from public annual reports, not values ingested from a regulatory filing. Levels (CET1, leverage, RWA, loan book, concentrations) approximate the published figures; the quarter-to-quarter path was extrapolated, so QoQ and YoY change figures are not observed and the score withholds every trend signal that would read them. No newer quarter is available for this bank.

Credito Agricola

CADEP

Portugal · EuropeRegulated by ECBLatest: 2025-Q4

94HIGH

CET1 Ratio

19.20%

Common Equity Tier 1 / RWA · approximate

Risk-Weighted Assets

$9.2B

Approximate · QoQ growth not observed

Total Loan Book

$21.7B

Approximate · YoY growth not observed

Leverage Ratio

6.90%

Tier 1 / Average assets · approximate

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12% · approximate series — the shape is an estimate, not observed

RWA Growth

Bars = total ($B) · Line = QoQ growth % · approximate

Loan Book Composition

Latest quarter · 2025-Q4 · approximate

Comm. Real Estate20.0%

Consumer17.0%

SME / C&I44.0%

Other19.0%

Metric History

12 quarters · approximate estimates

All quarters marked approx are estimates compiled from public annual reports. Levels approximate the published figures; the quarter-to-quarter path is extrapolated, so the Loans YoY and RWA QoQ columns on those rows are not observed changes.

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q4latestapprox	19.20%	6.90%	$9.2B	$21.7B	+3.8%	+1.10%	20.0%	17.0%	44.0%	94
2025-Q3approx	19.00%	6.80%	$9.1B	$21.5B	+2.9%	+1.10%	20.0%	17.0%	44.0%	30
2025-Q2approx	18.80%	6.70%	$9.0B	$21.3B	+1.9%	+1.10%	20.0%	17.0%	44.0%	31
2025-Q1approx	18.60%	6.60%	$8.9B	$21.1B	+1.0%	+1.10%	20.0%	17.0%	44.0%	25
2024-Q4approx	18.40%	6.50%	$8.8B	$20.9B	+3.9%	+1.10%	20.0%	17.0%	44.0%	25
2024-Q3approx	18.60%	6.60%	$8.7B	$20.7B	+4.0%	+1.20%	20.0%	17.0%	44.0%	11
2024-Q2approx	18.80%	6.70%	$8.6B	$20.5B	+4.1%	+1.20%	20.0%	17.0%	43.0%	11
2024-Q1approx	19.00%	6.80%	$8.5B	$20.3B	+4.6%	+1.20%	20.0%	16.0%	43.0%	11
2023-Q4approx	19.20%	6.90%	$8.4B	$20.1B	+5.2%	+1.20%	20.0%	16.0%	43.0%	8
2023-Q3approx	19.40%	7.00%	$8.3B	$19.9B	+5.1%	+1.20%	20.0%	16.0%	43.0%	8
2023-Q2approx	19.60%	7.10%	$8.2B	$19.7B	+5.0%	+1.20%	20.0%	16.0%	42.0%	8
2023-Q1approx	19.80%	7.20%	$8.1B	$19.4B	+4.8%	+0.30%	20.0%	16.0%	42.0%	8

AI Investment Memo

Llama will analyze Credito Agricola across 4 data dimensions and write a structured memo

Score: 94/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

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Score Breakdown

94/100 —HIGH

Repeat issuer · scored on re-issuance timing

Re-issuance timing94

Last deal

22 mo ago

Typical cadence

12 mo

Through its re-issue cycle100% · overdue

Active SRT programme → scored on how overdue it is vs its own cadence. Validated to predict re-issuance better than fundamentals, which are shown below for context only.

Fundamentals — context only

Capital Pressure0/40

CET1 19.20% — well above management threshold

-7.20pp headroom above 8% regulatory floor

withheldCET1 quarterly trend not scored — this bank's quarter-to-quarter figures are extrapolated, not observed, so a trend in them would measure the estimate rather than the bank. Level-based signals (CET1, leverage, size, concentration) still score.

n/a

Leverage ratio 6.90% — adequate headroom

Loan Book Growth3/30

withheldLoan book YoY growth not scored — this bank's quarter-to-quarter figures are extrapolated, not observed, so a trend in them would measure the estimate rather than the bank. Level-based signals (CET1, leverage, size, concentration) still score.

n/a

withheldRWA QoQ growth not scored — this bank's quarter-to-quarter figures are extrapolated, not observed, so a trend in them would measure the estimate rather than the bank. Level-based signals (CET1, leverage, size, concentration) still score.

n/a

CRE: 20%, Lev.Loans: 0%, max(Consumer/SME): 44%

Historical SRT25/25

Bank has previously issued SRT transactions

+15

22 months since last SRT deal — likely planning next transaction

+10

Macro Context9/10

Live macro signal: FAVORABLE (sentiment +14/20) — 9/10 pts

Small Bank

<$50B total assets — typically too small for SRT market access

-8

Europe regional bonus+8

Macro environment · FAVORABLE+6

Sentiment +14/20 · global +6 pts

Overall SRT likelihood94/100