Breaking Down Amundi S.A. Financial Health: Key Insights for Investors

Standing at the crossroads of finance and purpose, Amundi S.A.-headquartered in Paris and operating across 35 countries-manages approximately €1.4 trillion in assets (March 2024) and positions itself as a client-first partner that finances the real economy while pioneering sustainable solutions; with a mission to craft tailored investment products and technologies that serve retail and institutional investors alike, a vision that fuses transparency, responsibility and innovation, and core values of Courage, Entrepreneurship, Team Spirit and Solidarity, Amundi launched a workforce and product strategy where 50% of new funds in 2024 focused on sustainability, is targeting €100 billion of AUM from Asia‑Pacific by 2025, and has committed to a minimum 65% payout ratio over the 2025-2028 plan as it pursues growth, diversification, efficiency and ESG leadership across the savings value chain.

Amundi S.A. (AMUN.PA) - Intro

Amundi S.A. (AMUN.PA) is a Paris-headquartered global asset manager operating in 35 countries, offering a full spectrum of investment solutions - active, passive, and private assets - to retail and institutional clients. As of March 2024 the firm managed approximately €1.4 trillion in assets under management (AUM) and continues targeted geographic and product expansion.

Mission Statement

To deliver long-term investment performance and solutions that meet clients' financial needs while integrating responsible investment principles across products and operations. Amundi's mission balances client-centric performance, risk management, and sustainability commitments backed by scale and local expertise.

• Deliver consistent, risk-adjusted returns for retail and institutional clients.
• Scale capabilities across active, passive, and private markets.
• Embed ESG and stewardship in investment processes and product design.

Vision

To be the reference European asset manager with a global reach, recognized for sustainable innovation, technological excellence, and superior client service - leveraging scale to offer competitive fees and differentiated solutions.

• Global leadership with local presence: expand selectively in high-growth markets (notably Asia‑Pacific).
• Responsible investment leadership: mainstream sustainability across all offerings.
• Technology-enabled investment and distribution for scalable, efficient service delivery.

Core Values

Amundi's core values guide decision-making internally and toward clients, shareholders, and society.

• Client centrism - prioritizing client outcomes and tailored solutions.
• Responsibility - robust ESG integration and active stewardship.
• Excellence - disciplined investment processes and performance orientation.
• Collaboration - cross-border and cross-asset teamwork leveraging global scale.
• Integrity - transparent governance, risk control, and fiduciary duty.

Strategic Priorities (2025-2028)

The 2025-2028 strategic plan emphasizes growth, diversification, innovation, efficiency, and selective investments to deliver shareholder value and client excellence.

Responsible Investment & Stewardship

Responsible investment is embedded across Amundi's strategy with measurable actions and targets.

• 50% of new funds launched in 2024 focused on sustainable investments.
• Active stewardship and proxy voting across major markets to influence corporate behavior.
• Systematic ESG integration in research and portfolio construction across asset classes.

Financial and Operational Context

Key financial and operational levers underpin Amundi's mission and vision:

• AUM scale (€1.4 trillion as of March 2024) provides fee revenue base and investment capacity.
• Revenue mix diversification from active/passive and growth in private assets supports margin resilience.
• Cost-efficiency programs tied to digital platform investments aim to improve cost-to-income ratios over 2025-2028.

Further historical and contextual detail is available: Amundi S.A.: History, Ownership, Mission, How It Works & Makes Money

Amundi S.A. (AMUN.PA) - Overview

• Be a trusted partner acting daily in the interest of clients and for society.
• Develop quality investment products aligned to investors' risk profiles, projects, and horizons (retail and professional).
• Invest in the real economy to finance companies and governments, supporting economic development.
• Empower clients through innovative financial services and technology across the savings value chain.
• Deliver long-term value by identifying opportunities that generate sustainable returns over time.
• Adopt a client-centric stance with personalized investment solutions matched to specific needs.

• Scale of AUM provides leverage to finance corporates and sovereign borrowers, channeling capital into the real economy.
• Recurring revenue base funds continued investment in product R&D and digital platforms for client advisory and portfolio construction.
• Material ESG AUM underlines the commitment to sustainable returns and stewardship activities (engagement, voting, impact measurement).
• Global footprint and employee base enable local-market insights and tailored client solutions across retail and institutional segments.

• Comprehensive product range: active, passive/ETF, multi‑asset, fixed income, real assets, private debt, and insurance solutions tuned to different horizons and risk tolerances.
• Distribution & partnerships: direct retail channels, bancassurance, institutional mandates, and third-party platforms to broaden client access.
• Technology & data: investment in digital advisory tools, portfolio construction engines, risk analytics and operational platforms to improve client outcomes.
• Sustainability integration: ESG scoring, thematic strategies, impact investing, and decarbonization targets embedded into investment processes.

• Financing the real economy: significant allocations to corporate credit, infrastructure, and private markets to support growth and employment.
• Client outcomes: product customization and risk-profile segmentation aimed at improving long-term portfolio resilience and goal attainment.
• Stewardship: engagement and proxy voting across thousands of corporate issuers to drive governance and sustainability improvements.

Amundi S.A. (AMUN.PA) Mission Statement

• Client-first focus: solution-oriented asset management spanning retail, institutional, corporate and sovereign clients.
• Responsible investing: embed ESG across active and passive strategies to manage risk and capture long-term opportunities.
• Innovation & digitalisation: deploy AI, advanced data, and digital platforms to enhance investment processes and client experience.
• Global reach with local presence: expand selectively in emerging markets while consolidating leadership in Europe and Asia.
• Shareholder discipline: target attractive returns with a payout ratio commitment of at least 65% over 2025-2028.

• Lead responsible investment globally by integrating environmental, social and governance criteria across asset classes.
• Achieve sustainable growth through product innovation (ESG, thematic, private markets), scalable distribution and technology-led efficiencies.
• Expand presence in high-growth markets (Asia, Latin America) while maintaining risk controls and strong capital management.

• Scale ESG integration: continue converting discretionary and passive flows into ESG-compliant solutions and enhancing stewardship activities.
• Product & distribution innovation: grow ETF/Index, thematic and private market offerings and deepen multi-channel distribution.
• Operational efficiency: leverage technology to lower costs, improve risk management and increase automation across investment and client services.
• Capital & returns discipline: execute a predictable capital allocation framework, including the stated 65%+ payout ratio through 2028.

Amundi S.A. (AMUN.PA) - Vision Statement

• Courage - taking informed, forward-looking decisions in portfolio construction, innovation and stewardship to capture long-term value.
• Entrepreneurship - fostering product and service innovation, scaling new investment capabilities and exploring new markets while retaining risk discipline.
• Team Spirit - promoting cross-functional collaboration across investment, distribution and ESG teams to deliver integrated client solutions.
• Solidarity - supporting inclusion, employee well-being and responsible corporate citizenship in line with long-term sustainable outcomes.

• Equality, diversity and inclusion are actively promoted in recruitment and career development, with policies designed to ensure impartiality and equal opportunities across geographies and business lines.
• Long-term employee investment is embodied in training programs, share ownership and incentive frameworks that link individual and collective performance to sustainable objectives.
• Active social dialogue: the company engages employee representative bodies and other stakeholders to encourage initiative, cohesion and commitment.

• Amundi integrates ESG research and stewardship into investment processes and product design, viewing responsible investment as a driver of risk-adjusted returns rather than a cost center.
• Ambitious, innovative ESG practices have been embedded since the firm's creation and continue to expand across active, passive and tailored solutions.

• Product development: scaling ESG-tilted active strategies, index and ETF solutions, and customized solutions for institutional clients.
• Stewardship and engagement: systematic voting and engagement across holdings to protect long-term shareholder value.
• Talent and governance: linking compensation and career pathways to sustainability targets and collaborative performance metrics.