Crédit Agricole Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	59,120	30,013	23,797
Interest Income on Investments	-	291	170	153	48	57
Total Interest Income	-	55,424	63,614	59,273	30,061	23,854
Interest Paid on Deposits	-	39,825	49,145	44,876	16,966	11,676
Net Interest Income	16,679	15,599	14,469	14,397	13,095	12,178
Net Interest Income Growth	88.17%	7.81%	0.50%	9.94%	7.53%	2.51%
Income From Trading Activities	8,333	8,333	4,277	3,651	-4,376	2,114
Gain (Loss) on Sale of Assets	661	661	297	290	-23	-77
Gain (Loss) on Sale of Investments	6,937	6,937	8,528	8,205	-6,839	12,040
Other Non-Interest Income	-3,000	-3,000	-394	-1,279	20,649	-3,649
Total Non-Interest Income	12,931	12,931	12,708	10,867	9,411	10,428
Non-Interest Income Growth	-34.67%	1.75%	16.94%	15.47%	-9.75%	19.93%
Revenues Before Loan Losses	29,610	28,530	27,177	25,264	22,506	22,606
Provision for Loan Losses	2,227	1,973	1,850	1,777	1,746	1,576
Revenue	27,383	26,557	25,327	23,487	20,760	21,030
Revenue Growth	2.48%	4.86%	7.83%	13.14%	-1.28%	17.04%
Occupancy Expenses	1,319	1,319	1,248	1,155	1,106	1,153
Other Non-Interest Expense	14,663	14,285	13,650	12,989	12,155	12,322
Total Non-Interest Expense	16,449	16,131	14,704	13,947	12,890	13,161
EBT Excluding Unusual Items	10,934	10,426	10,623	9,540	7,870	7,869
Asset Writedown	-24	-24	3	4	1	-19
Other Unusual Items	-	-	-	-	-	-25
Pretax Income	10,910	10,402	10,626	9,546	7,871	8,080
Income Tax Expense	2,765	2,349	2,472	2,200	1,806	1,236
Earnings From Continuing Operations	8,145	8,053	8,154	7,346	6,065	6,844
Earnings From Discontinued Operations	-	-	-	-3	121	5
Minority Interest in Earnings	-1,015	-979	-1,067	-995	-880	-1,005
Net Income	7,130	7,074	7,087	6,348	5,306	5,844
Preferred Dividends & Other Adjustments	884	476	729	458	412	353
Net Income to Common	6,246	6,598	6,358	5,890	4,894	5,491
Net Income Growth	-14.14%	3.77%	7.95%	20.35%	-10.87%	136.78%
Basic Shares Outstanding	3,025	3,027	3,015	3,031	2,989	2,990
Diluted Shares Outstanding	3,025	3,027	3,015	3,031	2,989	2,990
Shares Change	-0.22%	0.40%	-0.53%	1.41%	-0.03%	3.63%
EPS (Basic)	2.06	2.18	2.11	1.94	1.64	1.84
EPS (Diluted)	2.06	2.18	2.11	1.94	1.64	1.83
EPS Growth	-13.95%	3.36%	8.53%	18.67%	-10.66%	128.11%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	-	1.130	1.100	1.050	1.050	1.050
Dividend Growth	-	2.73%	4.76%	0%	0%	31.25%
Effective Tax Rate	25.34%	22.58%	23.26%	23.05%	22.95%	15.30%