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
Net Interest Income	15,308	14,299	14,244	21,092	19,783
Net Interest Income Growth	7.06%	0.39%	-32.47%	6.62%	67.40%
Non-Interest Income	12,771	12,882	10,938	13,712	17,039
Non-Interest Income Growth	-0.86%	17.77%	-20.23%	-19.53%	96.26%
Revenues Before Loan Losses	28,079	27,181	25,180	34,804	36,822
Provision for Credit Losses	1,973	1,850	1,777	2,892	2,193
Revenue	26,106	25,331	23,403	31,912	34,629
Revenue Growth (YoY)	3.06%	8.24%	-26.66%	-7.85%	93.52%
Selling, General & Admin	1,343	1,245	1,151	1,818	1,912
Other Non-Interest Expenses	14,361	13,460	12,706	18,841	20,307
Total Non-Interest Expense	15,704	14,705	13,857	20,659	22,219
Pretax Income	10,402	10,626	9,546	11,253	12,410
Provision for Income Taxes	2,349	2,472	2,200	2,647	2,463
Net Income	7,074	7,087	6,348	7,997	9,101
Minority Interest in Earnings	979	1,067	995	730	852
Net Income to Common	7,074	7,087	6,348	7,997	9,101
Net Income Growth	-0.18%	11.64%	-20.62%	-12.13%	238.08%
Shares Outstanding (Basic)	3,027	3,015	3,031	2,989	2,990
Shares Outstanding (Diluted)	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	1.94	1.64	1.84
EPS (Diluted)	2.18	2.11	1.94	1.64	1.84
EPS Growth	3.37%	8.54%	18.69%	-10.84%	128.36%
Shares Outstanding	3,026	3,025	3,029	2,989	3,022
Free Cash Flow	17,896	-16,979	-37,397	-25,546	41,120
Free Cash Flow Growth	-	-	-	-	-27.27%
Free Cash Flow Per Share	5.91	-5.63	-12.34	-8.55	13.75
Dividends Per Share	1.130	1.100	1.050	1.050	1.050
Dividend Growth	2.73%	4.76%	-	-	31.25%
Profit Margin	30.85%	32.19%	31.38%	27.35%	28.74%
FCF Margin	68.55%	-67.03%	-159.80%	-80.05%	118.74%
EBITDA	1,343	1,245	1,151	1,817	1,912
EBITDA Margin	5.14%	4.91%	4.92%	5.69%	5.52%
Effective Tax Rate	22.58%	23.26%	23.05%	23.52%	19.85%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.