Crédit Agricole S.A. (ETR:XCA)

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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	65,100	69,410	63,255	37,794	23,797	23,534
Interest Income on Investments	294	238	255	102	57	62
Total Interest Income	65,394	69,648	63,510	37,896	23,854	23,596
Interest Paid on Deposits	45,126	49,466	43,143	16,702	11,676	11,716
Net Interest Income	20,268	20,182	20,367	21,194	12,178	11,880
Net Interest Income Growth (YoY)	13.96%	-0.91%	-3.90%	74.03%	2.51%	2.78%
Income From Trading Activities	4,489	4,193	3,668	-4,244	2,114	2,466
Gain (Loss) on Sale of Assets	772	247	282	-19	-77	57
Gain (Loss) on Sale of Investments	675	-152	-3	-6,641	12,040	217
Other Non-Interest Income	13,114	13,551	12,266	24,543	-3,649	5,955
Total Non-Interest Income	19,050	17,839	16,213	13,639	10,428	8,695
Non-Interest Income Growth (YoY)	-23.74%	10.03%	18.87%	30.79%	19.93%	0.56%
Revenues Before Loan Losses	39,318	38,021	36,580	34,833	22,606	20,575
Provision for Loan Losses	3,243	3,191	2,941	2,892	1,576	2,606
Revenue	36,075	34,830	33,639	31,941	21,030	17,969
Revenue Growth (YoY)	-7.79%	3.54%	5.32%	51.88%	17.04%	-5.18%
Occupancy Expenses	2,088	2,020	1,903	1,824	1,153	1,142
Other Non-Interest Expense	21,097	20,586	20,170	19,150	12,322	11,678
Total Non-Interest Expense	22,913	22,323	21,810	20,555	13,161	12,477
EBT Excluding Unusual Items	13,162	12,507	11,829	11,386	7,869	5,492
Asset Writedown	-11	-	5	6	-19	-1
Other Unusual Items	-	-	-	-	-25	-
Pretax Income	13,032	12,388	11,822	11,253	8,080	4,588
Income Tax Expense	3,027	2,888	2,748	2,647	1,236	1,129
Earnings From Continuing Operations	10,005	9,500	9,074	8,606	6,844	3,459
Earnings From Discontinued Operations	-	-	-3	121	5	-221
Minority Interest in Earnings	-974	-860	-813	-730	-1,005	-546
Net Income	9,031	8,640	8,258	7,997	5,844	2,692
Preferred Dividends & Other Adjustments	-	-	-	-	353	373
Net Income to Common	9,031	8,640	8,258	7,997	5,491	2,319
Net Income Growth	-3.97%	4.63%	3.26%	36.84%	117.09%	-44.43%
Basic Shares Outstanding	2,808	3,015	3,031	2,989	2,990	2,885
Diluted Shares Outstanding	2,808	3,015	3,031	2,989	2,990	2,885
Shares Change (YoY)	-13.28%	-0.53%	1.41%	-0.03%	3.63%	0.41%
EPS (Basic)	3.22	2.87	2.72	2.68	1.84	0.80
EPS (Diluted)	3.22	2.87	2.72	2.68	1.83	0.80
EPS Growth	8.04%	5.18%	1.83%	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	23.23%	23.31%	23.24%	23.52%	15.30%	24.61%

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