Income Statement Crédit Agricole S.A.

Equities

ACA

FR0000045072

Banks

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07-14	EU clash with Italy over UniCredit heats up after warning letter	RE
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Published financial data: CRÉDIT AGRICOLE S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	23.53B	23.8B	29.87B	59.12B	63.44B
Interest Income On Investments	62M	57M	48M	153M	170M
Interest Income, Total	23.6B	23.85B	29.92B	59.27B	63.61B
Interest On Deposits	11.72B	11.68B	17B	44.88B	49.14B
Interest Expense, Total	11.72B	11.68B	17B	44.88B	49.14B
Net Interest Income	11.88B	12.18B	12.91B	14.4B	14.47B
Income From Trading Activities	2.47B	2.11B	-4.39B	3.65B	4.28B
Gain (Loss) on Sale of Assets	57M	-77M	-23M	290M	297M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	217M	-125M	-5.67B	8.2B	8.53B
Total Other Non Interest Income	5.96B	8.52B	20.98B	-1.28B	-394M
Non Interest Income, Total	8.7B	10.43B	10.9B	10.87B	12.71B
Revenues Before Provison For Loan Losses	20.58B	22.61B	23.82B	25.26B	27.18B
Provision For Loan Losses	2.61B	1.58B	1.75B	1.78B	1.85B
Total Revenues	17.97B	21.03B	22.07B	23.49B	25.33B
Stock-Based Compensation (IS)	70M	60M	61M	-	-
Occupancy Expense	1.14B	1.15B	1.18B	1.16B	1.25B
(Income) Loss on Equity Invest.	-413M	-374M	-371M	-197M	-194M
Total Other Non Interest Expense	11.68B	12.59B	13.25B	12.99B	13.65B
Non Interest Expense, Total	12.48B	13.43B	14.12B	13.95B	14.7B
EBT, Excl. Unusual Items	5.49B	7.6B	7.95B	9.54B	10.62B
Restructuring Charges	-	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-89M	-	-
Impairment of Goodwill	-903M	497M	-	2M	-
Asset Writedown	-1M	-19M	1M	4M	4M
Legal Settlements	-	-	-	-	-
EBT, Incl. Unusual Items	4.59B	8.08B	7.86B	9.55B	10.63B
Income Tax Expense	1.13B	1.24B	1.66B	2.2B	2.47B
Earnings From Continuing Operations	3.46B	6.84B	6.2B	7.35B	8.15B
Earnings Of Discontinued Operations	-221M	5M	116M	-3M	-
Net Income to Company	3.24B	6.85B	6.32B	7.34B	8.15B
Minority Interest	-546M	-1B	-879M	-995M	-1.07B
Net Income - (IS)	2.69B	5.84B	5.44B	6.35B	7.09B
Preferred Dividend and Other Adjustments	373M	353M	412M	458M	729M
Net Income to Common Incl Extra Items	2.32B	5.49B	5.02B	5.89B	6.36B
Net Income to Common Excl. Extra Items	2.54B	5.49B	4.91B	5.89B	6.36B
Per Share Items
Net EPS - Basic	0.8	1.84	1.68	1.94	2.11
Basic EPS - Continuing Operations	0.88	1.83	1.64	1.94	2.11
Basic Weighted Average Shares Outstanding	2.89B	2.99B	2.99B	3.03B	3.02B
Net EPS - Diluted	0.8	1.83	1.68	1.94	2.11
Diluted EPS - Continuing Operations	0.88	1.83	1.64	1.94	2.11
Diluted Weighted Average Shares Outstanding	2.89B	2.99B	2.99B	3.03B	3.02B
Normalized Basic EPS	1	1.25	1.37	1.64	1.85
Normalized Diluted EPS	1	1.25	1.37	1.64	1.85
Dividend Per Share	0.8	1.05	1.05	1.05	1.1
Payout Ratio	19.99	6.07	58.36	59.42	44.83
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	24.61	15.3	21.14	23.05	23.26
Total Current Taxes	1.38B	1.48B	1.28B	1.57B	1.72B
Total Deferred Taxes	-254M	-248M	379M	632M	753M
Normalized Net Income	2.89B	3.75B	4.09B	4.97B	5.57B
Non-Cash Pension Expense	10M	4M	4M	10M	12M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	70M	60M	61M	86.5M	110M
Total Stock-Based Compensation	70M	60M	61M	86.5M	110M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	1.59B	1.74B	1.58B	1.52B	1.59B
Investment Securities, Total	1,025B	1,060B	1,051B	1,096B	1,133B
Trading Asset Securities, Total	175B	145B	188B	175B	242B
Total investments	1,200B	1,205B	1,239B	1,271B	1,375B
Gross Loans	500B	561B	602B	645B	684B
Allowance For Loan Losses	-9.96B	-9.31B	-9.78B	-10B	-10.08B
Net Loans	490B	552B	592B	635B	674B
Gross Property Plant And Equipment	10.98B	12.33B	12.46B	15.99B	17.86B
Accumulated Depreciation	-5.2B	-6.23B	-6.44B	-7.41B	-8.15B
Net Property Plant And Equipment	5.78B	6.1B	6.02B	8.59B	9.71B
Goodwill	14.66B	15.63B	15.68B	15.93B	16.26B
Other Intangibles, Total	3.2B	3.26B	3.2B	3.14B	3.41B
Investment in Real Estate	6.52B	7.31B	7.81B	10.82B	10.36B
Accrued Interest Receivable	3.63B	3.99B	5.22B	5.83B	3.03B
Other Receivables	30.85B	29.34B	58.6B	46.11B	43.41B
Restricted Cash	193B	236B	206B	176B	161B
Other Current Assets, Total	6.54B	6.62B	22.77B	8.48B	8.56B
Deferred Tax Assets Long-Term (Collected)	2.97B	4.2B	5.32B	3.78B	3B
Other Long-Term Assets, Total	3.36B	3.12B	3.89B	2.52B	820M
Total Assets	1,961B	2,074B	2,168B	2,189B	2,310B
Liabilities
Accrued Expenses, Total	6.06B	6.72B	7.06B	8.38B	8.27B
Interest Bearing Deposits	611B	664B	717B	678B	676B
Non-Interest Bearing Deposits	343B	410B	369B	329B	338B
Total Deposits	953B	1,074B	1,086B	1,007B	1,014B
Short-Term Borrowings	135B	105B	173B	119B	149B
Current Portion of Long-Term Debt	65.47B	79.19B	120B	126B	148B
Current Portion of Leases	316M	334M	332M	264M	295M
Long-Term Debt	172B	162B	164B	183B	200B
Long-Term Leases	1.44B	1.5B	1.48B	1.46B	1.5B
Current Income Taxes Payable	1.36B	1.36B	1.58B	2.06B	1.98B
Other Current Liabilities - (Bank / Utility Template)	121B	123B	119B	168B	190B
Unearned Revenue Non Current	1.23B	1.25B	1.33B	1.51B	1.55B
Pension & Other Post Retirement Benefits	1.7B	1.67B	1.21B	1.34B	1.26B
Deferred Tax Liability Non-Current	1.97B	1.57B	830M	1.03B	1.26B
Other Non Current Liabilities	426B	439B	417B	489B	510B
Total Liabilities	1,888B	1,997B	2,094B	2,109B	2,226B
Common Stock, Total	8.75B	9.34B	9.13B	9.16B	9.12B
Additional Paid In Capital	13.8B	15.44B	14.77B	14.9B	14.89B
Retained Earnings	2.69B	5.84B	5.44B	6.35B	7.09B
Treasury Stock	-113M	-1.17B	-287M	-377M	-328M
Comprehensive Income and Other	40.09B	38.77B	35.58B	41.05B	43.94B
Total Common Equity	65.22B	68.22B	64.63B	71.09B	74.71B
Minority Interest	8.28B	8.7B	8.85B	8.83B	8.6B
Total Equity	73.5B	76.92B	73.48B	79.92B	83.31B
Total Liabilities And Equity	1,961B	2,074B	2,168B	2,189B	2,310B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.92B	3.03B	3.02B	3.03B	3.02B
ECS Total Common Shares Outstanding	2.92B	3.03B	3.02B	3.03B	3.02B
Book Value / Share	20.35	20.93	19.4	21.08	22.31
Tangible Book Value	47.36B	49.32B	45.75B	52.02B	55.04B
Tangible Book Value Per Share	14.22	14.69	13.15	14.79	15.81
Tangible Book Value Per Share (As Reported)	-	13	13.4	14.7	15.7
Total Debt	374B	347B	460B	430B	498B
Deposits at Interest - Cash	192B	235B	206B	176B	159B
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.02B	648M	283M	419M	380M
Net Debt	-302B	-322B	-298B	-325B	-336B
Equity Method Investments, Total	7.65B	8.32B	8.72B	2.6B	2.93B
Full Time Employees	72.52K	75.98K	71.65K	78.82K	80.52K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	2.69B	5.84B	5.44B	6.35B	7.09B
Depreciation, Depletion & Amortization	749M	725M	730M	725M	744M
Amortization of Goodwill and Intangible Assets - (CF)	398M	436M	455M	455M	527M
Total Depreciation, Depletion & Amortization	1.15B	1.16B	1.18B	1.18B	1.27B
(Gain) Loss On Sale of Asset - (CF)	-61M	-4M	-17M	-97M	-20M
(Gain) Loss on Sale of Investments - (CF)	-1M	40M	-4M	-3M	1M
Total Asset Writedown	904M	-478M	-1M	-6M	-4M
(Income) Loss On Equity Investments - (CF)	-502M	-405M	-537M	-197M	-194M
Change In Income Taxes	-1.85B	-1.7B	-1.23B	-1.26B	-1.19B
Change in Other Net Operating Assets (Collected)	38.75B	-20.14B	-2.32B	-60.53B	-47.36B
Other Operating Activities	16.12B	26.59B	-1.8B	18.05B	24.49B
Net Cash From Discontinued Operations	97M	25M	-116M	-	-
Cash from Operations	57.29B	10.93B	594M	-36.51B	-15.91B
Capital Expenditure	-748M	-876M	-1.09B	-885M	-1.07B
Cash Acquisitions	-738M	1.88B	-600M	-10.98B	-
Divestitures	-	-68M	779M	10.74B	-
Investment in Marketable and Equity Securities, Total	-1.74B	-1.68B	-3.76B	10.98B	-712M
Other Investing Activities, Total	-2M	-100M	-386M	-	-
Cash from Investing	-3.23B	-838M	-5.06B	9.85B	-1.78B
Long-Term Debt Issued, Total	23.83B	13.02B	24.34B	47.2B	-
Total Debt Issued	23.83B	13.02B	24.34B	47.2B	-
Long-Term Debt Repaid, Total	-13.33B	-8.93B	-17.1B	-24.29B	-
Total Debt Repaid	-13.33B	-8.93B	-17.1B	-24.29B	-
Issuance of Common Stock	915M	1.2B	1.23B	1.25B	49M
Repurchase of Common Stock	-	-	-	-499M	-174M
Common Dividends Paid	-538M	-355M	-3.17B	-3.77B	-3.18B
Common & Preferred Stock Dividends Paid	-538M	-355M	-3.17B	-3.77B	-3.18B
Other Financing Activities, Total	-3.2B	-6.64B	-3.73B	-3.35B	12.75B
Cash from Financing	7.68B	-1.7B	1.57B	16.55B	9.45B
Foreign Exchange Rate Adjustments	-1.31B	125M	-1.27B	-2.74B	-1.2B
Miscellaneous Cash Flow Adjustments	-	-	-	2M	1M
Net Change in Cash	60.44B	8.52B	-4.17B	-12.85B	-9.44B
Supplemental Items
Cash Interest Paid	3.62B	2.53B	2.42B	3.52B	-
Cash Income Tax Paid (Refund)	-	1.7B	1.23B	1.26B	1.19B
Net Debt Issued / Repaid	10.5B	4.08B	7.25B	22.91B	-

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.19	0.34	0.29	0.34	0.36
Return On Equity %	4.79	9.1	8.24	9.45	9.99
Return on Common Equity	3.96	8.22	7.39	8.56	8.72
Shareholders Value Added	-4.6B	-1.73B	-2.02B	-1.45B	-1.13B
Margin Analysis
SG&A Margin	6.36	5.48	5.33	4.92	4.93
Net Interest Income / Total Revenues %	66.11	57.91	58.5	61.3	57.13
EBT Excl. Non-Recurring Items Margin %	30.56	36.15	36.02	40.62	41.94
Income From Continuing Operations Margin %	19.25	32.54	28.09	31.28	32.19
Net Income Margin %	14.98	27.79	24.64	27.03	27.98
Net Avail. For Common Margin %	14.14	26.09	22.24	25.09	25.1
Normalized Net Income Margin	16.06	17.81	18.53	21.15	22
Asset quality
Nonperforming Loans / Total Loans %	2.76	2.2	2.3	2.17	1.96
Nonperforming Loans / Total Assets %	0.7	0.59	0.64	0.64	0.58
Nonperforming Assets / Total Assets %	0.7	0.59	0.64	0.64	0.58
NPAs / Loans and OREO	2.76	2.2	2.3	2.17	1.96
NPAs / Equity	18.79	16.04	18.82	17.52	16.09
Allowance for Credit Losses / Net Charge-offs %	529.89	347.35	887.75	628.41	647.97
Allowance for Credit Losses / Nonperforming Loans %	72.13	75.46	70.74	71.4	75.18
Allowance for Credit Losses / Total Loans %	1.99	1.66	1.62	1.55	1.47
Provision for Loan Losses / Net Charge-offs %	138.62	58.81	158.44	111.69	118.97
Capital And Funding
Total Average Common Equity / Total Average Assets %	3.44	3.31	3.13	3.18	3.24
Total Average Equity / Total Average Assets %	3.87	3.73	3.55	3.59	3.63
Total Equity + Allowance for Loan Losses / Total Loans %	15.05	13.82	12.36	12.56	12.4
Gross Loans / Total Deposits %	52.41	52.21	55.44	64.07	67.44
Net Loans / Total Deposits %	51.36	51.34	54.54	63.08	66.44
Tier 1 Capital Ratio %	14.9	13.19	12.97	13.24	13.4
Total Capital Ratio %	19.2	17.74	17.46	17.22	17.4
Core Tier 1 Capital Ratio	13.1	11.89	11.24	11.77	11.7
Tier 2 Capital Ratio	4.32	4.55	4.49	3.98	3.97
Coverage Ratio	72.13	75.46	70.74	71.4	75.18
Interbank Ratio	174.83	159.27	199.76	273.87	316.9
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.39	1.69	1.46	1.21	1.22
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	2.78	2.51	6.03	9.94	0.5
Non Interest Income, 1 Yr. Growth %	0.56	19.93	4.56	15.47	16.94
Provision For Loan Losses, 1 Yr. Growth %	107.48	-39.52	10.79	1.78	4.11
Total Revenues, 1 Yr. Growth %	-5.18	17.03	4.95	13.14	7.83
Earnings From Cont. Operations, 1 Yr. Growth %	-37.06	97.86	-9.41	21.12	11
Net Income, 1 Yr. Growth %	-44.43	117.09	-6.96	19.64	11.64
Normalized Net Income, 1 Yr. Growth %	-16.93	29.79	4.51	23	12.16
Diluted EPS Before Extra, 1 Yr. Growth %	-41.13	108.07	-10.32	21.74	8.47
Dividend Per Share, 1 Yr. Growth %	-	31.25	0	0	4.76
Gross Loans, 1 Yr. Growth %	-0.29	12.24	7.39	7.41	5.95
Allowance For Loan Losses, 1 Yr. Growth %	3.46	-6.56	5.09	2.19	0.78
Net Loans, 1 Yr. Growth %	-0.36	12.63	7.42	7.49	6.03
Non Performing Loans, 1 Yr. Growth %	1.29	-10.67	12.1	1.24	-4.29
Non Performing Assets, 1 Yr. Growth %	1.29	-10.67	12.1	1.24	-4.29
Total Assets, 1 Yr. Growth %	10.94	5.76	4.52	2.4	5.5
Total Deposits, 1 Yr Growth %	26.01	12.67	1.12	-7.26	0.66
Tangible Book Value, 1 Yr. Growth %	6.49	4.14	-7.25	8.95	5.81
Common Equity, 1 Yr. Growth %	3.65	4.6	-5.25	6.87	5.1
Total Equity, 1 Yr. Growth %	3.74	4.65	-4.47	5.88	4.24
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.33	2.64	4.25	8.73	-17.37
Non Interest Income, 2 Yr. CAGR %	2.63	9.82	11.98	2.08	-3.47
Provision For Loan Losses, 2 Yr. CAGR %	55.27	12.02	-18.15	6.19	-20.02
Total Revenues, 2 Yr. CAGR %	-2.09	5.35	10.83	5.68	-10.95
Earnings From Cont. Operations, 2 Yr. CAGR %	-17.07	11.59	33.88	3.6	-2.66
Net Income, 2 Yr. CAGR %	-21.78	9.84	42.12	4.22	-5.86
Normalized Net Income, 2 Yr. CAGR %	-7.57	3.83	19.03	12.67	-6.59
Diluted EPS Before Extra, 2 Yr. CAGR %	-20.37	10.68	36.6	3.04	-10.54
Dividend Per Share, 2 Yr. CAGR %	7.68	-	14.56	0	2.35
Gross Loans, 2 Yr. CAGR %	2.75	5.79	9.79	7.28	-25.52
Allowance For Loan Losses, 2 Yr. CAGR %	-0.06	-1.68	-0.9	3.63	-29.56
Net Loans, 2 Yr. CAGR %	2.81	5.93	9.99	7.34	-25.45
Non Performing Loans, 2 Yr. CAGR %	1.42	-4.88	0.07	6.53	-25.98
Non Performing Assets, 2 Yr. CAGR %	1.42	-4.88	0.07	6.53	-25.98
Total Assets, 2 Yr. CAGR %	9.88	8.32	5.13	2.75	-0.88
Total Deposits, 2 Yr CAGR %	16.55	19.16	6.74	-3.16	-8.91
Tangible Book Value, 2 Yr. CAGR %	7.44	5.31	-1.72	2.69	-28.83
Common Equity, 2 Yr. CAGR %	5.31	4.12	-0.45	2.08	-23.66
Total Equity, 2 Yr. CAGR %	5.91	4.2	-0.01	1.93	-21.62
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.09	1.72	3.76	6.62	5.91
Non Interest Income, 3 Yr. CAGR %	10.96	8.1	8.04	7.72	6.81
Provision For Loan Losses, 3 Yr. CAGR %	22.37	13.39	11.61	-11.98	5.49
Total Revenues, 3 Yr. CAGR %	1.43	3.91	5.21	9.34	6.39
Earnings From Cont. Operations, 3 Yr. CAGR %	-6.24	10.81	4.1	28.54	6.01
Net Income, 3 Yr. CAGR %	-9.64	9.92	3.92	33.1	6.64
Normalized Net Income, 3 Yr. CAGR %	-1.6	3.5	5.58	19.84	12.5
Diluted EPS Before Extra, 3 Yr. CAGR %	-7.61	9.68	3.18	30.24	4.82
Dividend Per Share, 3 Yr. CAGR %	8.29	15.02	-	9.49	1.56
Gross Loans, 3 Yr. CAGR %	-12.3	5.82	6.32	8.91	6.83
Allowance For Loan Losses, 3 Yr. CAGR %	-2.98	-2.27	0.53	0.12	2.67
Net Loans, 3 Yr. CAGR %	-12.45	5.98	6.43	9.07	6.9
Non Performing Loans, 3 Yr. CAGR %	-3.78	-2.79	0.47	0.46	2.8
Non Performing Assets, 3 Yr. CAGR %	-3.78	-2.79	0.47	0.46	2.8
Total Assets, 3 Yr. CAGR %	8.12	8.48	7.04	3.74	3.66
Total Deposits, 3 Yr CAGR %	13.73	15.24	12.81	1.85	-1.9
Tangible Book Value, 3 Yr. CAGR %	6.21	6.33	0.94	3.17	3.72
Common Equity, 3 Yr. CAGR %	4.51	5.07	0.9	2.91	3.08
Total Equity, 3 Yr. CAGR %	4.96	5.49	1.23	2.83	2.7
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.55	0.74	1.02	4.47	4.59
Non Interest Income, 5 Yr. CAGR %	8.91	15.55	11.37	5.65	8
Provision For Loan Losses, 5 Yr. CAGR %	7.77	-1.35	4.19	10.45	8.05
Total Revenues, 5 Yr. CAGR %	3.08	6.83	5.09	4.61	5.97
Earnings From Cont. Operations, 5 Yr. CAGR %	3.5	20.88	8.12	7.87	8.21
Net Income, 5 Yr. CAGR %	-5.2	10.55	8.3	7.61	7.91
Normalized Net Income, 5 Yr. CAGR %	5.2	12.18	6.19	8.01	9.9
Diluted EPS Before Extra, 5 Yr. CAGR %	1.75	23.24	8.03	6.97	7.13
Dividend Per Share, 5 Yr. CAGR %	5.92	11.84	10.76	8.76	-
Gross Loans, 5 Yr. CAGR %	4.43	5.67	-4.05	6.4	6.42
Allowance For Loan Losses, 5 Yr. CAGR %	-2.33	-3.7	-2.15	0.05	0.91
Net Loans, 5 Yr. CAGR %	4.6	5.89	-4.08	6.52	6.51
Non Performing Loans, 5 Yr. CAGR %	-2.92	-6.04	-2.26	0.84	-0.34
Non Performing Assets, 5 Yr. CAGR %	-2.92	-6.04	-2.26	0.84	-0.34
Total Assets, 5 Yr. CAGR %	5.1	6.35	6.92	6.15	5.5
Total Deposits, 5 Yr CAGR %	9.12	12.03	10.88	7.49	6.03
Tangible Book Value, 5 Yr. CAGR %	4.13	2.54	2.96	4.86	4.35
Common Equity, 5 Yr. CAGR %	3.92	3.2	2.5	3.86	3.49
Total Equity, 5 Yr. CAGR %	4.34	3.77	2.94	4.05	3.3