BANQUE FEDERATIVE DU CREDIT MUTUEL financials
BANQUE FEDERATIVE DU CREDIT MUTUEL
Country: FR Reporting currency: EUR Latest annual report: 2024-12-31
LEI:
VBHFXSYT7OG62HNT8T76 Financial statements
(EUR, as reported — unscaled; 91 line items across 2 annual periods)
| Line item | 2024 | 2023 |
|---|---|---|
| Income statement | ||
| Operating profit (EBIT) | €4.30B | €4.47B |
| Profit before tax | €4.34B | €4.53B |
| Income tax expense | €926.0M | €1.18B |
| Profit for the year | €3.41B | €3.35B |
| — attributable to owners | €3.02B | €3.00B |
| — attributable to NCI | €397.0M | €343.0M |
| Total comprehensive income | €3.45B | €3.73B |
| Per share | ||
| Basic EPS | €87.91 | €87.61 |
| Diluted EPS | €87.91 | €87.61 |
| Cash flow statement | ||
| Net cash from operating activities | -€18.54B | -€18.51B |
| Net cash from investing activities | -€14.05B | -€1.12B |
| Net cash from financing activities | €19.71B | €7.90B |
| Dividends paid | €627.0M | €568.0M |
| Balance sheet | ||
| Total assets | €734.84B | €719.49B |
| Intangible assets & goodwill | €2.31B | €2.11B |
| Total equity | €45.20B | €42.08B |
| — attributable to owners | €40.74B | €37.77B |
| Non-controlling interests | €4.47B | €4.31B |
| Deferred tax liabilities | €481.0M | €453.0M |
| Derived metrics | ||
| Return on equity | 7.5% | 7.9% |
| Cash conversion ratio | -5.43× | -5.53× |
| Other reported items | ||
| Accumulated Other Comprehensive Income | €195.0M | €190.0M |
| Adjustments For Depreciation and Amortisation Expense | €348.0M | €326.0M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | -€7.0M | €26.0M |
| Adjustments For Provisions | €921.0M | €636.0M |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €56.0M | €51.0M |
| Adjustments To Reconcile Profit Loss Other Than Changes In Working Capital | €5.40B | €10.57B |
| Cash and Bank Balances At Central Banks | €86.19B | €97.07B |
| Cash and Cash Equivalents If Different From Statement of Financial Position | €71.90B | €84.69B |
| Comprehensive Income Attributable To Noncontrolling Interests | €430.0M | €514.0M |
| Comprehensive Income Attributable To Owners of Parent | €3.02B | €3.22B |
| Current Tax Assets | €1.00B | €1.08B |
| Current Tax Liabilities | €450.0M | €532.0M |
| Deferred Tax Assets | €1.00B | €852.0M |
| Derivative Financial Assets Held For Hedging | €1.70B | €1.79B |
| Derivative Financial Liabilities Held For Hedging | €3.26B | €4.43B |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners | €170.5M | — |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners Per Share | €4.97 | — |
| Dividends Received Classified As Operating Activities | €11.0M | €10.0M |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | €76.0M | -€20.0M |
| Equity and Liabilities | €734.84B | €719.49B |
| Fee and Commission Expense | €1.44B | €1.34B |
| Fee and Commission Income | €4.77B | €4.34B |
| Finance Income Expenses From Reinsurance Contracts Held Recognised In Profit Or Loss | €7.0M | €3.0M |
| Financial Liabilities At Fair Value Through Profit Or Loss | €24.20B | €17.94B |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | €0 | €0 |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €1.81B | €1.28B |
| Impairment Loss Recognised In Profit Or Loss Goodwill | €2.0M | €0 |
| Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses | -€74.0M | -€34.0M |
| Income Taxes Paid Refund Classified As Operating Activities | €997.0M | €1.10B |
| Increase Decrease In Cash and Cash Equivalents | -€12.80B | -€11.76B |
| Increase Decrease Through Appropriation of Retained Earnings | €0 | €0 |
| Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss of Control | €0 | €0 |
| Increase Decrease Through Transactions With Owners | -€627.0M | -€568.0M |
| Increase Decrease Through Transfers and Other Changes Equity | €276.0M | €20.0M |
| Insurance Contracts Issued That Are Assets | €10.0M | €15.0M |
| Insurance Contracts Issued That Are Liabilities | €125.19B | €119.53B |
| Insurance Finance Income Expenses From Insurance Contracts Issued Recognised In Profit Or Loss | -€4.33B | -€5.74B |
| Insurance Revenue | €7.50B | €7.21B |
| Insurance Service Expenses From Insurance Contracts Issued | €6.23B | €6.15B |
| Intangible Assets Other Than Goodwill | €483.0M | €462.0M |
| Investment Accounted For Using Equity Method | €911.0M | €865.0M |
| Issue of Equity | €0 | €0 |
| Liabilities Due To Central Banks | €18.0M | €31.0M |
| Liabilities Included In Disposal Groups Classified As Held For Sale | €0 | €0 |
| Miscellaneous Other Operating Expense | €591.0M | €512.0M |
| Miscellaneous Other Operating Income | €850.0M | €863.0M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €0 | €0 |
| Other Adjustments For Noncash Items | €4.22B | €9.25B |
| Other Comprehensive Income | €38.0M | €386.0M |
| Other Comprehensive Income Net of Tax Cash Flow Hedges | -€10.0M | -€25.0M |
| Other Comprehensive Income Net of Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | €0 | €0 |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation | €90.0M | -€12.0M |
| Other Comprehensive Income Net of Tax Finance Income Expenses From Reinsurance Contracts Held Excluded From Profit Or Loss | -€1.0M | -€3.0M |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | €53.0M | -€48.0M |
| Other Comprehensive Income Net of Tax Gains Losses On Revaluation | €0 | €0 |
| Other Comprehensive Income Net of Tax Insurance Finance Income Expenses From Insurance Contracts Issued Excluded From Profit Or Loss That Will Be Reclassified To Profit Or Loss | -€49.0M | -€2.44B |
| Other Comprehensive Income Net of Tax Insurance Finance Income Expenses From Insurance Contracts Issued Excluded From Profit Or Loss That Will Not Be Reclassified To Profit Or Loss | €5.0M | €15.0M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | -€155.0M | €90.0M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €194.0M | €296.0M |
| Other Gains Losses | -€11.0M | €2.0M |
| Other Inflows Outflows of Cash Classified As Financing Activities | €20.33B | €8.46B |
| Other Reserves | €8.38B | — |
| Provisions | €2.91B | €2.74B |
| Reinsurance Contracts Held That Are Assets | €284.0M | €312.0M |
| Retained Earnings Excluding Profit Loss For Reporting Period | €22.41B | — |
| Retained Earnings Profit Loss For Reporting Period | €3.02B | €3.00B |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Be Reclassified To Profit Or Loss Net of Tax | €2.0M | -€2.0M |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Net of Tax | €0 | €0 |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €56.0M | €51.0M |
| Statutory Reserve | €172.0M | — |
Methodology
Every line item above is a fact tagged in BANQUE FEDERATIVE DU CREDIT MUTUEL's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.