Crédit Agricole S.A. (EPA: ACA)

Crédit Agricole Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	64,409	59,120	30,013	23,797	23,534	25,107
Interest Income on Investments	166	153	48	57	62	115
Total Interest Income	64,575	59,273	30,061	23,854	23,596	25,222
Interest Paid on Deposits	49,679	44,876	16,966	11,676	11,716	13,663
Net Interest Income	14,896	14,397	13,095	12,178	11,880	11,559
Net Interest Income Growth (YoY)	68.28%	9.94%	7.53%	2.51%	2.78%	-0.10%
Income From Trading Activities	4,405	3,651	-4,376	2,114	2,466	4,730
Gain (Loss) on Sale of Assets	292	290	-23	-77	57	39
Gain (Loss) on Sale of Investments	8,152	8,205	-6,839	12,040	217	-454
Other Non-Interest Income	-1,698	-1,279	20,649	-3,649	5,955	4,332
Total Non-Interest Income	11,151	10,867	9,411	10,428	8,695	8,647
Non-Interest Income Growth (YoY)	-27.02%	15.47%	-9.75%	19.93%	0.56%	4.75%
Revenues Before Loan Losses	26,047	25,264	22,506	22,606	20,575	20,206
Provision for Loan Losses	1,693	1,777	1,746	1,576	2,606	1,256
Revenue	24,354	23,487	20,760	21,030	17,969	18,950
Revenue Growth (YoY)	9.58%	13.14%	-1.28%	17.03%	-5.18%	1.10%
Occupancy Expenses	1,173	1,155	1,106	1,153	1,142	1,047
Other Non-Interest Expense	13,126	12,903	12,094	12,322	11,678	11,662
Total Non-Interest Expense	14,211	13,947	12,890	13,161	12,477	12,408
EBT Excluding Unusual Items	10,143	9,540	7,870	7,869	5,492	6,542
Asset Writedown	10	4	1	-19	-1	-1
Other Unusual Items	-	-	-	-25	-	-
Pretax Income	10,155	9,546	7,871	8,080	4,588	5,952
Income Tax Expense	2,316	2,200	1,806	1,236	1,129	456
Earnings From Continuing Operations	7,839	7,346	6,065	6,844	3,459	5,496
Earnings From Discontinued Operations	-9	-3	121	5	-221	-38
Minority Interest in Earnings	-1,017	-995	-880	-1,005	-546	-614
Net Income	6,813	6,348	5,306	5,844	2,692	4,844
Preferred Dividends & Other Adjustments	926	458	412	353	373	587
Net Income to Common	5,887	5,890	4,894	5,491	2,319	4,257
Net Income Growth	7.04%	19.64%	-9.21%	117.09%	-44.43%	10.09%
Basic Shares Outstanding	2,905	3,031	2,989	2,990	2,885	2,873
Diluted Shares Outstanding	2,905	3,031	2,989	2,990	2,885	2,873
Shares Change (YoY)	-8.01%	1.41%	-0.03%	3.63%	0.41%	0.69%
EPS (Basic)	2.03	1.94	1.64	1.84	0.80	1.48
EPS (Diluted)	2.03	1.94	1.64	1.83	0.80	1.48
EPS Growth	3.87%	18.67%	-10.66%	128.11%	-45.77%	6.84%
Dividend Per Share	1.050	1.050	1.050	1.050	0.800	-
Dividend Growth	0%	0%	0%	31.25%	-	-
Effective Tax Rate	22.81%	23.05%	22.94%	15.30%	24.61%	7.66%

Source: S&P Capital IQ. Banks template. Financial Sources.