Crédit Agricole Cash Flow 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 Income	10,402	10,626	9,547	11,253	12,410
Depreciation & Amortization	1,343	1,245	1,151	1,817	1,912
Provision for Credit Losses	29,440	17,225	9,661	-5,847	20,247
Other Adjustments	4,529	2,350	3,658	1,183	970
Changes in Other Operating Activities	-26,701	-47,357	-60,529	-32,155	7,122
Operating Cash Flow	19,013	-15,909	-36,512	-23,749	42,661
Operating Cash Flow Growth	-	-	-	-	-25.53%
Net Change in Securities and Investments	-3,285	-712	10,737	-3,862	735
Capital Expenditures	-1,117	-1,070	-885	-1,797	-1,541
Other Investing Activities	-	-	-	-387	-100
Investing Cash Flow	-4,402	-1,782	9,852	-6,046	-906
Other Financing Activities	-4,491	9,448	16,547	3,325	-818
Financing Cash Flow	-4,491	9,447	16,546	3,325	-818
Effect of Exchange Rate Changes on Cash and Cash Equivalents	-7,484	-1,195	-2,735	-1,310	-171
Net Cash Flow	5,271	-18,876	-12,849	-27,780	81,532
Free Cash Flow	17,896	-16,979	-37,397	-25,546	41,120
Free Cash Flow Growth	-	-	-	-	-27.27%
FCF Margin	-1314.92%	-170.54%	-240.98%	-62.84%	248.08%
Free Cash Flow Per Share	5.91	-5.63	-12.34	-8.55	13.75
Levered Free Cash Flow	-19,401	-40,095	-53,915	-24,138	16,594
Unlevered Free Cash Flow	-26,475	-47,182	-60,263	-32,135	7,493

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