Crédit Agricole Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	55,133	63,444	63,255	30,013	23,797
Interest Income on Investments	291	170	255	48	57
Total Interest Income	55,424	63,614	63,510	30,061	23,854
Interest Paid on Deposits	39,825	49,145	43,143	16,966	11,676
Net Interest Income	15,599	14,469	20,367	13,095	12,178
Net Interest Income Growth (YoY)	7.81%	-28.96%	55.53%	7.53%	2.51%
Income From Trading Activities	8,333	4,277	3,668	-4,376	2,114
Gain (Loss) on Sale of Assets	661	297	282	-23	-77
Gain (Loss) on Sale of Investments	6,937	8,528	8,580	-6,839	12,040
Other Non-Interest Income	-3,000	-394	3,683	20,649	-3,649
Total Non-Interest Income	12,931	12,708	16,213	9,411	10,428
Non-Interest Income Growth (YoY)	1.75%	-21.62%	72.28%	-9.75%	19.93%
Revenues Before Loan Losses	28,530	27,177	36,580	22,506	22,606
Provision for Loan Losses	1,973	1,850	2,941	1,746	1,576
Revenue	26,557	25,327	33,639	20,760	21,030
Revenue Growth (YoY)	4.86%	-24.71%	62.04%	-1.28%	17.04%
Occupancy Expenses	1,319	1,249	1,903	1,106	1,153
Other Non-Interest Expense	14,285	13,650	20,184	12,155	12,322
Total Non-Interest Expense	16,131	14,705	21,824	12,890	13,161
EBT Excluding Unusual Items	10,426	10,622	11,815	7,870	7,869
Asset Writedown	-24	4	5	1	-19
Other Unusual Items	-	-	-	-	-25
Pretax Income	10,402	10,626	11,822	7,871	8,080
Income Tax Expense	2,349	2,472	2,748	1,806	1,236
Earnings From Continuing Operations	8,053	8,154	9,074	6,065	6,844
Earnings From Discontinued Operations	-	-	-3	121	5
Minority Interest in Earnings	-979	-1,067	-813	-880	-1,005
Net Income	7,074	7,087	8,258	5,306	5,844
Preferred Dividends & Other Adjustments	476	729	-	412	353
Net Income to Common	6,598	6,358	8,258	4,894	5,491
Net Income Growth	-0.18%	-14.18%	55.63%	-9.21%	117.09%
Basic Shares Outstanding	3,027	3,015	3,031	2,989	2,990
Diluted Shares Outstanding	3,027	3,015	3,031	2,989	2,990
Shares Change (YoY)	0.40%	-0.53%	1.41%	-0.03%	3.63%
EPS (Basic)	2.18	2.11	2.72	1.64	1.84
EPS (Diluted)	2.18	2.11	2.72	1.64	1.83
EPS Growth	3.36%	-22.60%	66.40%	-10.66%	128.11%
Dividend Per Share	1.130	1.100	1.050	1.050	1.050
Dividend Growth	2.73%	4.76%	-	-	31.25%
Effective Tax Rate	22.58%	23.26%	23.24%	22.95%	15.30%

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