CREDIT MUTUEL ARKEA financials
CREDIT MUTUEL ARKEA
Country: FR Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
96950041VJ1QP0B69503 Financial statements
(EUR, as reported — unscaled; 87 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Operating profit (EBIT) | €607.0M | €502.0M |
| Profit before tax | €603.0M | €500.0M |
| Income tax expense | €147.0M | €100.0M |
| Profit for the year | €456.0M | €400.0M |
| — attributable to owners | €450.0M | €395.0M |
| — attributable to NCI | €6.0M | €4.0M |
| Total comprehensive income | €491.0M | €156.0M |
| Cash flow statement | ||
| Net cash from operating activities | -€403.0M | -€3.50B |
| Net cash from investing activities | -€270.0M | -€2.23B |
| Net cash from financing activities | €2.93B | €2.38B |
| Dividends paid | €80.0M | €87.0M |
| Balance sheet | ||
| Total assets | €211.60B | €198.43B |
| Intangible assets & goodwill | €457.0M | €463.0M |
| Total equity | €10.48B | €9.93B |
| — attributable to owners | €10.47B | €9.92B |
| Non-controlling interests | €19.0M | €13.0M |
| Deferred tax liabilities | €416.0M | €317.0M |
| Derived metrics | ||
| Return on equity | 4.3% | 4.0% |
| Cash conversion ratio | -0.88× | -8.75× |
| Other reported items | ||
| Adjustments For Depreciation and Amortisation Expense | €143.0M | €123.0M |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €5.0M | €11.0M |
| Cash and Bank Balances At Central Banks | €12.29B | €10.23B |
| Cash and Cash Equivalents If Different From Statement of Financial Position | €12.42B | €10.16B |
| Changes In Goodwill | €11.0M | €11.0M |
| Comprehensive Income Attributable To Noncontrolling Interests | €6.0M | €5.0M |
| Current Tax Assets | €231.0M | €182.0M |
| Current Tax Liabilities | €153.0M | €52.0M |
| Debt Instruments Held At Amortised Cost | €1.56B | €1.55B |
| Debt Instruments Issued At Amortised Cost | €28.26B | €25.94B |
| Deferred Tax Assets | €251.0M | €176.0M |
| Deposits From Banks At Amortised Cost | €5.12B | €4.31B |
| Deposits From Customers At Amortised Cost | €91.94B | €89.24B |
| Depreciation Amortisation and Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €122.0M | €85.0M |
| Dividends Received Classified As Operating Activities | €6.0M | €7.0M |
| Equity and Liabilities | €211.60B | €198.43B |
| Fee and Commission Expense | €273.0M | €228.0M |
| Fee and Commission Income | €1.06B | €909.0M |
| Finance Income Expenses From Reinsurance Contracts Held Recognised In Profit Or Loss | €3.0M | €3.0M |
| Financial Assets At Fair Value Through Profit Or Loss | €1.97B | €1.90B |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | €0 | €0 |
| General and Administrative Expense | €1.46B | €1.42B |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €237.0M | €180.0M |
| Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses | -€48.0M | -€47.0M |
| Income Taxes Paid Refund Classified As Operating Activities | €90.0M | €58.0M |
| Increase Decrease In Cash and Cash Equivalents | €2.25B | -€3.35B |
| 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 Transfers and Other Changes Equity | €5.0M | -€1.0M |
| Insurance Contracts Issued That Are Assets | €0 | €0 |
| Insurance Contracts Issued That Are Liabilities | €58.99B | €55.00B |
| Insurance Finance Income Expenses From Insurance Contracts Issued Recognised In Profit Or Loss | -€2.22B | -€1.54B |
| Insurance Revenue | €1.23B | €1.18B |
| Insurance Service Expenses From Insurance Contracts Issued | €753.0M | €715.0M |
| Intangible Assets Other Than Goodwill | €809.0M | €721.0M |
| Interest Expense | €3.56B | €4.40B |
| Investment Accounted For Using Equity Method | €238.0M | €246.0M |
| Investment Property | €127.0M | €140.0M |
| Issue of Equity | €136.0M | €151.0M |
| Liabilities Due To Central Banks | €0 | €0 |
| Liabilities Included In Disposal Groups Classified As Held For Sale | €0 | €0 |
| Loans and Advances To Banks At Amortised Cost | €15.15B | €14.20B |
| Loans and Advances To Customers At Amortised Cost | €93.14B | €90.38B |
| Miscellaneous Other Operating Expense | €74.0M | €87.0M |
| Miscellaneous Other Operating Income | €278.0M | €338.0M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale Or As Held For Distribution To Owners | €0 | €0 |
| Other Adjustments To Reconcile Profit Loss | €3.92B | €3.65B |
| Other Comprehensive Income | €35.0M | -€244.0M |
| Other Comprehensive Income Attributable To Owners of Parent | €485.0M | €151.0M |
| Other Comprehensive Income Net of Tax Cash Flow Hedges | €0 | €0 |
| Other Comprehensive Income Net of Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | €1.0M | -€3.0M |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | €1.0M | €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 | €0 | €0 |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €74.0M | -€60.0M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | -€39.0M | -€184.0M |
| Other Inflows Outflows of Cash Classified As Financing Activities | €2.86B | €2.29B |
| Other Inflows Outflows of Cash Classified As Investing Activities | €0 | €0 |
| Profit Loss From Discontinued Operations | €0 | €0 |
| Property Plant and Equipment Including Rightofuse Assets | €451.0M | €422.0M |
| Provisions | €284.0M | €259.0M |
| Reinsurance Contracts Held That Are Assets | €122.0M | €163.0M |
| Reinsurance Contracts Held That Are Liabilities | €0 | €0 |
| Retained Earnings Profit Loss For Reporting Period | €450.0M | €395.0M |
| Revenue From Interest | €4.29B | €5.03B |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method | €2.0M | — |
| 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 | €3.0M | -€5.0M |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €7.0M | €10.0M |
| Subordinated Liabilities | €2.28B | €2.34B |
Methodology
Every line item above is a fact tagged in CREDIT MUTUEL ARKEA'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.