Crédit Agricole S.A. (CRARY)

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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	63,444	59,120	30,013	23,797	23,534
Interest Income on Investments	-	170	153	48	57	62
Total Interest Income	-	63,614	59,273	30,061	23,854	23,596
Interest Paid on Deposits	-	49,145	44,876	16,966	11,676	11,716
Net Interest Income	15,493	14,469	14,397	13,095	12,178	11,880
Net Interest Income Growth (YoY)	68.33%	0.50%	9.94%	7.53%	2.51%	2.78%
Income From Trading Activities	4,277	4,277	3,651	-4,376	2,114	2,466
Gain (Loss) on Sale of Assets	297	297	290	-23	-77	57
Gain (Loss) on Sale of Investments	8,528	8,528	8,205	-6,839	12,040	217
Other Non-Interest Income	-393	-394	-1,279	20,649	-3,649	5,955
Total Non-Interest Income	12,709	12,708	10,867	9,411	10,428	8,695
Non-Interest Income Growth (YoY)	-24.85%	16.94%	15.47%	-9.75%	19.93%	0.56%
Revenues Before Loan Losses	28,202	27,177	25,264	22,506	22,606	20,575
Provision for Loan Losses	1,938	1,850	1,777	1,746	1,576	2,606
Revenue	26,264	25,327	23,487	20,760	21,030	17,969
Revenue Growth (YoY)	7.93%	7.83%	13.14%	-1.28%	17.04%	-5.18%
Occupancy Expenses	1,249	1,249	1,155	1,106	1,153	1,142
Other Non-Interest Expense	13,776	13,650	12,989	12,155	12,322	11,678
Total Non-Interest Expense	14,857	14,705	13,947	12,890	13,161	12,477
EBT Excluding Unusual Items	11,407	10,622	9,540	7,870	7,869	5,492
Asset Writedown	4	4	4	1	-19	-1
Other Unusual Items	-	-	-	-	-25	-
Pretax Income	11,439	10,626	9,546	7,871	8,080	4,588
Income Tax Expense	2,655	2,472	2,200	1,806	1,236	1,129
Earnings From Continuing Operations	8,784	8,154	7,346	6,065	6,844	3,459
Earnings From Discontinued Operations	-	-	-3	121	5	-221
Minority Interest in Earnings	-1,044	-1,067	-995	-880	-1,005	-546
Net Income	7,740	7,087	6,348	5,306	5,844	2,692
Preferred Dividends & Other Adjustments	465	729	458	412	353	373
Net Income to Common	7,275	6,358	5,890	4,894	5,491	2,319
Net Income Growth	14.99%	11.64%	19.64%	-9.21%	117.09%	-44.43%
Basic Shares Outstanding	3,031	3,015	3,031	2,989	2,990	2,885
Diluted Shares Outstanding	3,031	3,015	3,031	2,989	2,990	2,885
Shares Change (YoY)	-6.32%	-0.53%	1.41%	-0.03%	3.63%	0.41%
EPS (Basic)	2.40	2.11	1.94	1.64	1.84	0.80
EPS (Diluted)	2.40	2.11	1.94	1.64	1.83	0.80
EPS Growth	19.57%	8.53%	18.67%	-10.66%	128.11%	-45.77%
Dividend Per Share	-	1.100	1.050	1.050	1.050	0.800
Dividend Growth	-	4.76%	-	-	31.25%	-
Effective Tax Rate	23.21%	23.26%	23.05%	22.95%	15.30%	24.61%

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