Crédit Agricole S.A. (BIT:1ACA)

Crédit Agricole Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	58,872	63,444	59,120	30,013	23,797	23,534
Interest Income on Investments	237	170	153	48	57	62
Total Interest Income	59,109	63,614	59,273	30,061	23,854	23,596
Interest Paid on Deposits	44,466	49,145	44,876	16,966	11,676	11,716
Net Interest Income	14,643	14,469	14,397	13,095	12,178	11,880
Net Interest Income Growth (YoY)	61.62%	0.50%	9.94%	7.53%	2.51%	2.78%
Income From Trading Activities	4,482	4,277	3,651	-4,376	2,114	2,466
Gain (Loss) on Sale of Assets	800	297	290	-23	-77	57
Gain (Loss) on Sale of Investments	9,295	8,528	8,205	-6,839	12,040	217
Other Non-Interest Income	-936	-394	-1,279	20,649	-3,649	5,955
Total Non-Interest Income	13,641	12,708	10,867	9,411	10,428	8,695
Non-Interest Income Growth (YoY)	-19.69%	16.94%	15.47%	-9.75%	19.93%	0.56%
Revenues Before Loan Losses	28,284	27,177	25,264	22,506	22,606	20,575
Provision for Loan Losses	1,881	1,850	1,777	1,746	1,576	2,606
Revenue	26,403	25,327	23,487	20,760	21,030	17,969
Revenue Growth (YoY)	8.80%	7.83%	13.14%	-1.28%	17.04%	-5.18%
Occupancy Expenses	1,300	1,249	1,155	1,106	1,153	1,142
Other Non-Interest Expense	13,995	13,650	12,989	12,155	12,322	11,678
Total Non-Interest Expense	15,114	14,705	13,947	12,890	13,161	12,477
EBT Excluding Unusual Items	11,289	10,622	9,540	7,870	7,869	5,492
Asset Writedown	-1	4	4	1	-19	-1
Other Unusual Items	-	-	-	-	-25	-
Pretax Income	11,288	10,626	9,546	7,871	8,080	4,588
Income Tax Expense	2,525	2,472	2,200	1,806	1,236	1,129
Earnings From Continuing Operations	8,763	8,154	7,346	6,065	6,844	3,459
Earnings From Discontinued Operations	-	-	-3	121	5	-221
Minority Interest in Earnings	-1,194	-1,067	-995	-880	-1,005	-546
Net Income	7,569	7,087	6,348	5,306	5,844	2,692
Preferred Dividends & Other Adjustments	995	729	458	412	353	373
Net Income to Common	6,574	6,358	5,890	4,894	5,491	2,319
Net Income Growth	11.10%	11.64%	19.64%	-9.21%	117.09%	-44.43%
Basic Shares Outstanding	2,808	3,015	3,031	2,989	2,990	2,885
Diluted Shares Outstanding	2,808	3,015	3,031	2,989	2,990	2,885
Shares Change (YoY)	-13.28%	-0.53%	1.41%	-0.03%	3.63%	0.41%
EPS (Basic)	2.34	2.11	1.94	1.64	1.84	0.80
EPS (Diluted)	2.34	2.11	1.94	1.64	1.83	0.80
EPS Growth	15.04%	8.53%	18.67%	-10.66%	128.11%	-45.77%
Dividend Per Share	1.100	1.100	1.050	1.050	1.050	0.800
Dividend Growth	4.76%	4.76%	-	-	31.25%	-
Effective Tax Rate	22.37%	23.26%	23.05%	22.95%	15.30%	24.61%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.