Crédit Agricole S.A. (CRARF)

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	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	-	63,255	37,794	23,797	23,534	25,107
Interest Income on Investments	-	255	102	57	62	115
Total Interest Income	-	63,510	37,896	23,854	23,596	25,222
Interest Paid on Deposits	-	43,143	16,702	11,676	11,716	13,663
Net Interest Income	21,316	20,367	21,194	12,178	11,880	11,559
Net Interest Income Growth (YoY)	-10.47%	-3.90%	74.04%	2.51%	2.78%	-0.10%
Income From Trading Activities	3,668	3,668	-4,244	2,114	2,466	4,730
Gain (Loss) on Sale of Assets	185	282	-19	-77	57	39
Gain (Loss) on Sale of Investments	8,580	8,580	-6,641	12,040	217	-454
Other Non-Interest Income	3,681	3,683	24,543	-3,649	5,955	4,332
Total Non-Interest Income	16,114	16,213	13,639	10,428	8,695	8,647
Non-Interest Income Growth (YoY)	17.27%	18.87%	30.79%	19.93%	0.56%	4.75%
Revenues Before Loan Losses	37,430	36,580	34,833	22,606	20,575	20,206
Provision for Loan Losses	2,924	2,941	2,892	1,576	2,606	1,256
Revenue	34,506	33,639	31,941	21,030	17,969	18,950
Revenue Growth (YoY)	-0.02%	5.32%	51.88%	17.03%	-5.18%	1.10%
Occupancy Expenses	1,903	1,903	1,824	1,153	1,142	1,047
Other Non-Interest Expense	20,566	20,084	19,089	12,322	11,678	11,662
Total Non-Interest Expense	22,296	21,810	20,555	13,161	12,477	12,408
EBT Excluding Unusual Items	12,210	11,829	11,386	7,869	5,492	6,542
Asset Writedown	5	5	6	-19	-1	-1
Other Unusual Items	-20	-	-	-25	-	-
Pretax Income	12,202	11,822	11,253	8,080	4,588	5,952
Income Tax Expense	2,706	2,748	2,647	1,236	1,129	456
Earnings From Continuing Operations	9,496	9,074	8,606	6,844	3,459	5,496
Earnings From Discontinued Operations	-10	-3	121	5	-221	-38
Minority Interest in Earnings	-845	-813	-730	-1,005	-546	-614
Net Income	8,641	8,258	7,997	5,844	2,692	4,844
Preferred Dividends & Other Adjustments	246	-	-	353	373	587
Net Income to Common	8,395	8,258	7,997	5,491	2,319	4,257
Net Income Growth	-8.93%	3.26%	36.84%	117.09%	-44.43%	10.09%
Basic Shares Outstanding	3,013	3,031	2,989	2,990	2,885	2,873
Diluted Shares Outstanding	3,013	3,031	2,989	2,990	2,885	2,873
Shares Change (YoY)	-1.03%	1.41%	-0.03%	3.63%	0.41%	0.69%
EPS (Basic)	2.79	2.72	2.68	1.84	0.80	1.48
EPS (Diluted)	2.79	2.72	2.68	1.83	0.80	1.48
EPS Growth	-10.18%	1.83%	45.99%	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	22.18%	23.24%	23.52%	15.30%	24.61%	7.66%

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