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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	63,444	59,120	37,794	23,797	23,534
Interest Income on Investments	-	170	153	102	57	62
Total Interest Income	-	63,614	59,273	37,896	23,854	23,596
Interest Paid on Deposits	-	49,145	44,876	16,702	11,676	11,716
Net Interest Income	14,919	14,469	14,397	21,194	12,178	11,880
Net Interest Income Growth (YoY)	-1.08%	0.50%	-32.07%	74.03%	2.51%	2.78%
Income From Trading Activities	4,277	4,277	3,651	-4,244	2,114	2,466
Gain (Loss) on Sale of Assets	297	297	290	-19	-77	57
Gain (Loss) on Sale of Investments	8,528	8,528	8,205	-6,641	12,040	217
Other Non-Interest Income	-393	-394	-1,279	24,543	-3,649	5,955
Total Non-Interest Income	12,709	12,708	10,867	13,639	10,428	8,695
Non-Interest Income Growth (YoY)	16.95%	16.94%	-20.32%	30.79%	19.93%	0.56%
Revenues Before Loan Losses	27,628	27,177	25,264	34,833	22,606	20,575
Provision for Loan Losses	1,863	1,850	1,777	2,892	1,576	2,606
Revenue	25,765	25,327	23,487	31,941	21,030	17,969
Revenue Growth (YoY)	6.71%	7.83%	-26.47%	51.88%	17.04%	-5.18%
Occupancy Expenses	1,249	1,249	1,155	1,824	1,153	1,142
Other Non-Interest Expense	13,854	13,540	12,903	19,089	12,322	11,678
Total Non-Interest Expense	15,015	14,705	13,947	20,555	13,161	12,477
EBT Excluding Unusual Items	10,750	10,622	9,540	11,386	7,869	5,492
Asset Writedown	4	4	4	6	-19	-1
Other Unusual Items	-	-	-	-	-25	-
Pretax Income	10,754	10,626	9,546	11,253	8,080	4,588
Income Tax Expense	2,689	2,472	2,200	2,647	1,236	1,129
Earnings From Continuing Operations	8,065	8,154	7,346	8,606	6,844	3,459
Earnings From Discontinued Operations	-	-	-3	121	5	-221
Minority Interest in Earnings	-1,057	-1,067	-995	-730	-1,005	-546
Net Income	7,008	7,087	6,348	7,997	5,844	2,692
Preferred Dividends & Other Adjustments	729	729	458	-	353	373
Net Income to Common	6,279	6,358	5,890	7,997	5,491	2,319
Net Income Growth	-0.24%	11.64%	-20.62%	36.84%	117.09%	-44.43%
Basic Shares Outstanding	2,878	3,015	3,031	2,989	2,990	2,885
Diluted Shares Outstanding	2,878	3,015	3,031	2,989	2,990	2,885
Shares Change (YoY)	-10.81%	-0.53%	1.41%	-0.03%	3.63%	0.41%
EPS (Basic)	2.18	2.11	1.94	2.68	1.84	0.80
EPS (Diluted)	2.18	2.11	1.94	2.68	1.83	0.80
EPS Growth	4.96%	8.53%	-27.38%	45.99%	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	25.00%	23.26%	23.05%	23.52%	15.30%	24.61%

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