CREDIT AGRICOLE SA financials
CREDIT AGRICOLE SA
Country: FR Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
969500TJ5KRTCJQWXH05 Financial statements
(EUR, as reported — unscaled; 114 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Operating profit (EBIT) | €10.48B | €10.44B |
| Profit before tax | €10.40B | €10.63B |
| Income tax expense | €2.35B | €2.47B |
| Profit for the year | €8.05B | €8.15B |
| — attributable to owners | €7.07B | €7.09B |
| — attributable to NCI | €979.0M | €1.07B |
| Total comprehensive income | €7.00B | €8.63B |
| Per share | ||
| Basic EPS | €2.18 | €2.11 |
| Diluted EPS | €2.18 | €2.11 |
| Cash flow statement | ||
| Net cash from operating activities | €19.01B | -€15.91B |
| Net cash from investing activities | -€4.40B | -€1.78B |
| Net cash from financing activities | -€4.49B | €9.45B |
| Dividends paid | €3.92B | €3.76B |
| Balance sheet | ||
| Total assets | €2.37T | €2.31T |
| Intangible assets & goodwill | €16.41B | €16.26B |
| Total equity | €85.86B | €83.31B |
| — attributable to owners | €77.66B | €74.71B |
| Non-controlling interests | €8.20B | €8.60B |
| Derived metrics | ||
| Return on equity | 9.4% | 9.8% |
| Cash conversion ratio | 2.36× | -1.95× |
| Other reported items | ||
| Adjustments For Impairment Loss Recognised In Profit Or Loss Goodwill | €0 | €0 |
| Adjustments For Reconcile Profit Loss | €37.23B | €22.01B |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | -€527.0M | €194.0M |
| Amount Recognised In Other Comprehensive Income and Accumulated In Equity Relating To Noncurrent Assets Or Disposal Groups Held For Sale | €0 | €0 |
| Cash and Bank Balances At Central Banks | €164.84B | €162.34B |
| Cash and Cash Equivalents If Different From Statement of Financial Position | €135.78B | €133.15B |
| Cash Flows From Used In Financing Activities Discontinued Operations | €0 | €0 |
| Cash Flows From Used In Investing Activities Discontinued Operations | €0 | €0 |
| Cash Flows From Used In Operating Activities Discontinued Operations | €0 | €0 |
| Comprehensive Income Attributable To Noncontrolling Interests | €948.0M | €1.08B |
| Comprehensive Income Attributable To Owners of Parent | €6.05B | €7.55B |
| Cumulative Gain Loss Previously Recognised In Other Comprehensive Income Arising From Reclassification of Financial Assets Out of Fair Value Through Other Comprehensive Income Into Fair Value Through Profit Or Loss Measurement Category | €0 | €0 |
| Debt Instruments Held At Amortised Cost | €91.32B | €88.97B |
| Debt Instruments Held Measured At Fair Value Through Other Comprehensive Income | €227.98B | €217.49B |
| Debt Instruments Issued At Amortised Cost | €285.07B | €284.51B |
| Derivative Financial Assets Held For Hedging | €16.36B | €19.19B |
| Derivative Financial Liabilities Held For Hedging | €23.66B | €27.26B |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners Per Share | €1.13 | — |
| Dividends Recognised As Distributions To Owners Per Share | — | €1.10 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -€7.48B | -€1.20B |
| Equity and Liabilities | €2.37T | €2.31T |
| Fair Value of Investments In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income | €6.01B | €6.11B |
| Fee and Commission Expense | €5.12B | €5.45B |
| Fee and Commission Income | €14.12B | €14.82B |
| Finance Income Expenses From Reinsurance Contracts Held Recognised In Profit Or Loss | €41.0M | €49.0M |
| Financial Assets At Amortised Cost | €1.22T | €1.20T |
| Financial Assets At Fair Value Through Other Comprehensive Income | €234.00B | €223.60B |
| Financial Assets At Fair Value Through Profit Or Loss | €643.56B | €600.92B |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €396.32B | €371.16B |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value Other Than Those Classified As Held For Trading | €247.24B | €229.76B |
| Financial Liabilities At Amortised Cost | €1.37T | €1.33T |
| Financial Liabilities At Fair Value Through Profit Or Loss | €423.91B | €413.54B |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €319.00B | €311.82B |
| Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition | €104.92B | €101.71B |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | -€57.0M | -€124.0M |
| Gains Losses Arising From Difference Between Previous Carrying Amount and Fair Value of Financial Assets Reclassified As Measured At Fair Value | €0 | €0 |
| General and Administrative Expense | €14.29B | €13.65B |
| Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses | -€151.0M | -€168.0M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €85.0M | €83.0M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | -€24.0M | -€48.0M |
| Income Tax Relating To Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Be Reclassified To Profit Or Loss | €0 | €0 |
| Income Tax Relating To Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss | €0 | €0 |
| Income Taxes Paid Refund Classified As Operating Activities | €1.92B | €1.19B |
| Increase Decrease In Cash and Cash Equivalents | €2.63B | -€9.44B |
| Increase Decrease Through Appropriation of Retained Earnings | — | €0 |
| Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss of Control | -€1.37B | €0 |
| Increase Decrease Through Sharebased Payment Transactions | €72.0M | €60.0M |
| Increase Decrease Through Transactions With Owners | -€4.69B | -€5.18B |
| Increase Decrease Through Transfers and Other Changes Equity | €117.0M | -€188.0M |
| Increase Decrease Through Treasury Share Transactions | €217.0M | €49.0M |
| Insurance Contracts Issued That Are Assets | €49.0M | €10.0M |
| Insurance Contracts Issued That Are Liabilities | €388.36B | €362.86B |
| Insurance Finance Income Expenses From Insurance Contracts Issued Recognised In Profit Or Loss | -€15.07B | -€12.58B |
| Insurance Revenue | €15.46B | €14.09B |
| Insurance Service Expenses From Insurance Contracts Issued | €11.99B | €10.63B |
| Intangible Assets Other Than Goodwill | €3.42B | €3.41B |
| Interest Expense | €39.83B | €49.15B |
| Investment Accounted For Using Equity Method | €7.14B | €2.93B |
| Investment Property | €9.84B | €10.36B |
| Liabilities | €2.29T | €2.23T |
| Liabilities Due To Central Banks | €227.0M | €1.39B |
| Liabilities Included In Disposal Groups Classified As Held For Sale | €0 | €194.0M |
| Loans and Advances To Banks At Amortised Cost | €570.12B | €565.40B |
| Loans and Advances To Customers At Amortised Cost | €559.24B | €548.10B |
| Miscellaneous Other Operating Expense | €1.77B | €1.95B |
| Miscellaneous Other Operating Income | €2.46B | €2.29B |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €0 | €822.0M |
| Other Adjustments To Reconcile Profit Loss | €930.0M | -€1.35B |
| Other Comprehensive Income | -€1.06B | €480.0M |
| Other Comprehensive Income Before Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€234.0M | -€365.0M |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | -€1.33B | €488.0M |
| Other Comprehensive Income Before Tax Finance Income Expenses From Reinsurance Contracts Held Excluded From Profit Or Loss | -€37.0M | -€5.0M |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | -€1.62B | -€587.0M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €276.0M | €117.0M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | €49.0M | €39.0M |
| Other Comprehensive Income Before Tax Insurance Finance Income Expenses From Insurance Contracts Issued Excluded From Profit Or Loss That Will Be Reclassified To Profit Or Loss | €2.04B | €407.0M |
| Other Comprehensive Income Before Tax Insurance Finance Income Expenses From Insurance Contracts Issued Excluded From Profit Or Loss That Will Not Be Reclassified To Profit Or Loss | -€166.0M | -€82.0M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | -€1.36B | €722.0M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €302.0M | -€242.0M |
| Other Inflows Outflows of Cash Classified As Financing Activities | -€967.0M | €14.59B |
| Profit Loss From Discontinued Operations | €0 | €0 |
| Property Plant and Equipment Including Rightofuse Assets | €10.31B | €9.71B |
| Provisions | €3.85B | €3.77B |
| Reduction of Issued Capital | €289.0M | €154.0M |
| Reinsurance Contracts Held That Are Assets | €1.16B | €1.02B |
| Reinsurance Contracts Held That Are Liabilities | €108.0M | €70.0M |
| Retained Earnings Excluding Profit Loss For Reporting Period | €41.74B | €38.69B |
| Retained Earnings Profit Loss For Reporting Period | €7.07B | €7.09B |
| Revenue From Interest | €55.13B | €63.44B |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method | €252.0M | -€30.0M |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Be Reclassified To Profit Or Loss Before Tax | -€225.0M | -€31.0M |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Before Tax | €354.0M | €1.0M |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | -€527.0M | €194.0M |
| Subordinated Liabilities | €26.17B | €29.27B |
Methodology
Every line item above is a fact tagged in CREDIT AGRICOLE SA'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.