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CPA
On this page
Company details
- Legal name
- Crédit Populaire d'Algérie SPA
- Listing
- CPA on the Bourse d'Alger (SGBV), active (observed 2026-10-08)
- Sector
- Not classified (our classification from the stated principal activity)
- Financial year ends
- 31 December
Overview
Year ended 31 December 2025 · audited financial statements, final status not established · source
Read with these figures
- Audited financial statements not confirmed as final. The published copy is not confirmed as the final version. The FY2025 figures come from it.
Full wording and sources
Audited financial statements for 2025: final status not established
The publication prints the statements and notes prepared by the bank's Division Financière (cover 'Avril 2026', PDF p1, page image) but no auditor's (commissaires aux comptes') report, no signature and no board approval. Whether these statements were audited is not shown in the document.
Source: Etats financiers au 31 Décembre 2025, EPE Crédit Populaire d'Algérie SPA (Avril 2026) (undated)
-
Produit Net Bancaire
DZD 93.7 billion
93,650,015 DZD thousands · p5
+25.8% vs 2024
The bank's own total of its income lines before credit impairment and operating expenses, under its printed label. What it includes differs between banks; it is not revenue.
-
Profit / (loss) for the year
DZD 48.2 billion
48,247,153 DZD thousands · p5
+15.1% vs 2024
-
Total assets
DZD 3.22 trillion
3,215,984,896 DZD thousands · p3
−0.6% vs 2024
-
Customer deposits
DZD 2.00 trillion
1,999,418,471 DZD thousands · p3
+7.4% vs 2024
-
Total equity
Not reported in this filing
Large amounts are rounded for reading (DZD million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.
Financial statements
Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in DZD thousands unless the row says otherwise; brackets are negative.
† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table
Column sources
- FY2025 — audited financial statements, final status not established; reported for the year · source
- FY2024 — audited financial statements, final status not established; comparative in the FY2025 filing · source
Income statement
| Line (as printed) | FY2025Audited financial statementsreported for the year | FY2024Audited financial statementscomparative in FY2025 filing |
|---|---|---|
| Intérêts et produits assimilés | 113,297,948 | 99,336,275 |
| Intérêts et charges assimilées | (33,621,093) | (36,494,160) |
| Commissions (Produits) | 6,331,935 | 6,371,956 |
| Commissions (Charges) | (731,475) | (581,240) |
| Gains ou pertes nets sur actifs financiers détenus à des fins de | 1,456,532 | 1,405,476 |
| Gains ou pertes nets sur actifs financiers disponibles à la vente1 | 1,607,303 | 97,283 |
| Produits des autres activités2 | 5,308,864 | 4,284,195 |
| Charges des autres activités3 | 0 | (2,610) |
| Produit Net Bancaire | 93,650,015 | 74,417,174 |
| Charges générales d'exploitation4 | (22,114,907) | (24,012,440) |
| Dotations aux amortissements et pertes de valeur sur5 | (1,481,300) | (1,263,942) |
| Résultat brut d'exploitation | 70,053,808 | 49,140,792 |
| Dotations aux provisions, pertes de valeur et créances irrécouvrables6 | (29,893,457) | (22,916,298) |
| Reprises de provisions, de pertes de valeur et récupération sur7 | 11,420,631 | 19,131,409 |
| Résultat d'exploitation | 51,580,982 | 45,355,902 |
| Gains ou pertes nets sur autres actifs8 | 35,637 | 1,364 |
| Eléments extraordinaires (Produits)9 | –10 | –10 |
| Eléments extraordinaires (Charges)11 | –10 | –10 |
| Résultat avant impôts | 51,616,618 | 45,357,267 |
| Impôts sur les résultats et assimilés | (3,369,466) | (3,422,985) |
| Résultat net de l'exercice | 48,247,153 | 41,934,282 |
- Printed “-”, read as nil: subtotal_arithmetic: is.profit_before_tax.
Notes and alternative reported figures (10)
- “Gains ou pertes nets sur actifs financiers disponibles à la vente” is an issuer-specific line, not mapped to a shared definition: Note 4.6.
- “Produits des autres activités” is an issuer-specific line, not mapped to a shared definition: Note 4.7.
- “Charges des autres activités” is an issuer-specific line, not mapped to a shared definition: Note 4.8 (negative).
- “Charges générales d'exploitation” is an issuer-specific line, not mapped to a shared definition: Note 4.9: general operating expenses, staff costs included (negative).
- “Dotations aux amortissements et pertes de valeur sur” is an issuer-specific line, not mapped to a shared definition: Note 4.10 (negative).
- “Dotations aux provisions, pertes de valeur et créances irrécouvrables” is an issuer-specific line, not mapped to a shared definition: Note 4.11: provisions, impairment and irrecoverable receivables (negative).
- “Reprises de provisions, de pertes de valeur et récupération sur” is an issuer-specific line, not mapped to a shared definition: Note 4.12.
- “Gains ou pertes nets sur autres actifs” is an issuer-specific line, not mapped to a shared definition: Note 4.13.
- “Eléments extraordinaires (Produits)” is an issuer-specific line, not mapped to a shared definition: Printed '-'.
- “Eléments extraordinaires (Charges)” is an issuer-specific line, not mapped to a shared definition: Printed '-'.
Balance sheet
| Line (as printed) | FY2025Audited financial statementsreported for the year | FY2024Audited financial statementscomparative in FY2025 filing |
|---|---|---|
| Caisse, Banque Centrale, Trésor Public, Centre des Chèques Postaux | 364,359,964 | 531,639,861 |
| Actifs financiers détenus à des fins de transaction | 11,947,250 | 13,377,464 |
| Actifs financiers disponibles à la vente1 | 267,163,325 | 185,185,473 |
| Prêts et créances sur les institutions financières | 679,127,526 | 671,814,682 |
| Prêts et créances sur la clientèle | 1,196,143,527 | 1,139,688,314 |
| Actifs financiers détenus jusqu'à l'échéance2 | 631,367,248 | 631,367,248 |
| Impôts courants – Actif | 4,487,742 | 5,890,170 |
| Impôts différés – Actif | 2,770,194 | 3,961,141 |
| Autres actifs | 19,028,748 | 14,720,583 |
| Comptes de régularisation3 | 40,967 | 38,188 |
| Participations dans les filiales, les co-entreprises ou les entités associées4 | 17,856,042 | 18,913,490 |
| Immeubles de placement | –5 | –5 |
| Immobilisations corporelles | 20,775,244 | 19,654,485 |
| Immobilisations incorporelles | 917,118 | 765,601 |
| Ecart d'acquisition6 | –5 | –5 |
| Total de l'actif | 3,215,984,896 | 3,237,016,698 |
| Banque Centrale7 | 0 | 0 |
| Dettes envers les institutions financières | 700,119,769 | 885,161,447 |
| Dettes envers la clientèle | 1,999,418,471 | 1,862,282,136 |
| Dettes représentées par un titre8 | 69,059,570 | 68,728,350 |
| Impôts courants- Passif | 11,686,496 | 8,745,181 |
| Impôts différés – Passif | 461,183 | 967,380 |
| Autres passifs | 13,477,124 | 9,773,448 |
| Comptes de régularisation9 | 18,746,383 | 16,777,313 |
| Provisions pour risques et charges | 40,252,908 | 41,742,821 |
| Subventions d'équipement-Autres subventions10 | –11 | –11 |
| Fonds pour risques bancaires généraux12 | 22,175,728 | 25,318,847 |
| Dettes subordonnées13 | –11 | –11 |
| Capital | 200,000,000 | 200,000,000 |
| Primes liées au capital | –11 | –11 |
| Réserves14 | 73,950,816 | 57,016,534 |
| Ecart d'évaluation15 | 2,468,562 | 2,648,225 |
| Ecart de réévaluation | 15,920,734 | 15,920,734 |
| Report à nouveau | –11 | –11 |
| Résultat de l'exercice16 | 48,247,153 | 41,934,282 |
| Total du passif | 3,215,984,896 | 3,237,016,698 |
- Printed “-”, read as nil: subtotal_arithmetic: bs.total_assets.
- Printed “-”, read as nil: subtotal_arithmetic: bs.total_equity_and_liabilities.
Notes and alternative reported figures (14)
- “Actifs financiers disponibles à la vente” is an issuer-specific line, not mapped to a shared definition: Note 2.3: available-for-sale financial assets.
- “Actifs financiers détenus jusqu'à l'échéance” is an issuer-specific line, not mapped to a shared definition: Note 2.6: held-to-maturity financial assets.
- “Comptes de régularisation” is an issuer-specific line, not mapped to a shared definition: Note 2.9: accrual and suspense accounts (assets).
- “Participations dans les filiales, les co-entreprises ou les entités associées” is an issuer-specific line, not mapped to a shared definition: Note 2.10: investments in subsidiaries, joint ventures and associates (company statements).
- “Ecart d'acquisition” is an issuer-specific line, not mapped to a shared definition: Goodwill (printed '-').
- “Banque Centrale” is an issuer-specific line, not mapped to a shared definition: Amounts due to the central bank (printed 0).
- “Dettes représentées par un titre” is an issuer-specific line, not mapped to a shared definition: Note 2.14: debt securities issued.
- “Comptes de régularisation” is an issuer-specific line, not mapped to a shared definition: Note 2.17: accrual and suspense accounts (liabilities).
- “Subventions d'équipement-Autres subventions” is an issuer-specific line, not mapped to a shared definition: Equipment and other grants (printed '-').
- “Fonds pour risques bancaires généraux” is an issuer-specific line, not mapped to a shared definition: Note 2.20: fund for general banking risks.
- “Dettes subordonnées” is an issuer-specific line, not mapped to a shared definition: Subordinated debt (printed '-').
- “Réserves” is an issuer-specific line, not mapped to a shared definition: Reserves.
- “Ecart d'évaluation” is an issuer-specific line, not mapped to a shared definition: Valuation differences (fair value of available-for-sale assets).
- “Résultat de l'exercice” is an issuer-specific line, not mapped to a shared definition: The year's result within the passif (note 4.15).
Cash flow
| Line (as printed) | FY2025Audited financial statementsreported for the year | FY2024Audited financial statementscomparative in FY2025 filing |
|---|---|---|
| Résultat avant impôts1 | 51,616,618 | 45,357,267 |
| dotations nettes aux amortissements des immobilisations2 | 1,481,300 | 1,263,942 |
| dotations nettes pour pertes de valeur des écarts d'acquisition et3 | 0 | 0 |
| dotations nettes aux provisions et aux pertes de valeur4 | 18,472,826 | 3,784,890 |
| pertes nettes / gains nets des activités d'investissement5 | (36,462,937) | (32,165,125) |
| charges / produits des activités de financement6 | 0 | 0 |
| autres mouvements7 | (1,029,489) | (8,957,650) |
| total des éléments non monétaires inclus dans le résultat net8 | (17,538,300) | (36,073,944) |
| flux lies aux opérations avec les institutions financières9 | (149,831,748) | 58,899,492 |
| flux lies aux opérations avec la clientèle10 | 60,321,293 | 113,397,831 |
| flux lies aux opérations affectant des actifs ou passifs financiers11 | 1,761,433 | 15,753,538 |
| flux lies aux opérations affectant des actifs ou passifs non financiers12 | 7,139,349 | (16,674,516) |
| impôts verses | 2,711,537 | (3,483,494) |
| diminution / (augmentation) nette des actifs et passifs provenant13 | (77,898,136) | 167,892,851 |
| Total flux net de trésorerie génère par l'activité opérationnelle (a) | (43,819,818) | 177,176,174 |
| flux lies aux actifs financiers, y compris les participations14 | (45,844,658) | (54,214,265) |
| flux lies aux immeubles de placement15 | 0 | 0 |
| flux lies aux immobilisations corporelles et incorporelles16 | (2,508,052) | (2,316,089) |
| Total flux net de trésorerie lie aux opérations d'investissement (b) | (48,352,711) | (56,530,354) |
| flux de trésorerie provenant ou à destination des actionnaires17 | (25,000,000) | (25,000,000) |
| autres flux nets de trésorerie provenant des activités de financement18 | 0 | 0 |
| Total flux net de trésorerie lie aux opérations de financement (c) | (25,000,000) | (25,000,000) |
| Effet de la variation des taux de change sur la trésorerie et | 1,029,489 | 8,957,650 |
| Augmentation / (diminution) nette de la trésorerie et des équivalents19 | (116,143,039) | 104,603,469 |
| Trésorerie et équivalents de trésorerie a l'ouverture (total des | 482,357,764 | 374,968,362 |
| Trésorerie et équivalents de trésorerie a la clôture (total des | 366,214,725 | 479,571,832 |
Notes and alternative reported figures (19)
- “Résultat avant impôts” is an issuer-specific line, not mapped to a shared definition: Starting point of the indirect method.
- “dotations nettes aux amortissements des immobilisations” is an issuer-specific line, not mapped to a shared definition: Add-back.
- “dotations nettes pour pertes de valeur des écarts d'acquisition et” is an issuer-specific line, not mapped to a shared definition: Add-back (0).
- “dotations nettes aux provisions et aux pertes de valeur” is an issuer-specific line, not mapped to a shared definition: Add-back.
- “pertes nettes / gains nets des activités d'investissement” is an issuer-specific line, not mapped to a shared definition: Note 5.1.
- “charges / produits des activités de financement” is an issuer-specific line, not mapped to a shared definition: Printed 0.
- “autres mouvements” is an issuer-specific line, not mapped to a shared definition: Note 5.2.
- “total des éléments non monétaires inclus dans le résultat net” is an issuer-specific line, not mapped to a shared definition: Subtotal of items 2 to 7.
- “flux lies aux opérations avec les institutions financières” is an issuer-specific line, not mapped to a shared definition: Note 5.3.
- “flux lies aux opérations avec la clientèle” is an issuer-specific line, not mapped to a shared definition: Note 5.4.
- “flux lies aux opérations affectant des actifs ou passifs financiers” is an issuer-specific line, not mapped to a shared definition: Note 5.5.
- “flux lies aux opérations affectant des actifs ou passifs non financiers” is an issuer-specific line, not mapped to a shared definition: Note 5.6.
- “diminution / (augmentation) nette des actifs et passifs provenant” is an issuer-specific line, not mapped to a shared definition: Subtotal of items 9 to 13.
- “flux lies aux actifs financiers, y compris les participations” is an issuer-specific line, not mapped to a shared definition: Note 5.8.
- “flux lies aux immeubles de placement” is an issuer-specific line, not mapped to a shared definition: Printed 0.
- “flux lies aux immobilisations corporelles et incorporelles” is an issuer-specific line, not mapped to a shared definition: Note 5.9: net.
- “flux de trésorerie provenant ou à destination des actionnaires” is an issuer-specific line, not mapped to a shared definition: Note 5.10.
- “autres flux nets de trésorerie provenant des activités de financement” is an issuer-specific line, not mapped to a shared definition: Printed 0.
- “Augmentation / (diminution) nette de la trésorerie et des équivalents” is an issuer-specific line, not mapped to a shared definition: The issuer's net change in cash includes the effect of exchange-rate changes (d).
Segments
Segment data not yet collected for this company in the pilot.
Dividends
Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.
No dividend statement or amount collected.
Sources
Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.
-
Etats financiers au 31 Décembre 2025, EPE Crédit Populaire d'Algérie SPA (Avril 2026)
Year ended 31 December 2025 · Audited financial statements · final status not established
Audit: Auditor not stated · no signature page in this document
Final status: The publication prints the statements and notes prepared by the bank's Division Financière (cover 'Avril 2026', PDF p1, page image) but no auditor's (commissaires aux comptes') report, no signature and no board approval. Whether these statements were audited is not shown in the document.
- Document date
- none printed — undated
- Auditor's report
- date not found in this document
- Board approval
- date not found in this document
- Retrieved by us
- 8 Oct 2026 (not a publication date)
- Used for
- statement columns FY2025, FY2024
- Basis
- company statements · DZD thousands (printed “U = Milliers de DA”)
- Cash and cash equivalents at the opening of 2025 (482 357 764) differ from the closing of 2024 printed in the comparative column (479 571 832); the components also differ (caisse etc. 531 834 093 vs 529 048 160). Kept as printed.
- Income tax paid ('impôts verses', item 13) is printed positive in 2025 (2 711 537) and negative in 2024 (-3 483 494); kept as printed (the printed subtotal uses the printed sign).
- No total liabilities and no total equity are printed: the passif lists liabilities and equity items and closes with 'Total du passif'. Notes for equity rows print '-'.
Technical details
- File
- 71 pages, with a text layer
- SHA-256
6e1cf18921b0175023e67bb23ddb4c7f93aeca79bc6be00122b4dba402e9ff51- Entity as printed
- EPE Crédit Populaire d'Algérie SPA
- Exchange copy
- retrieved 2026-10-08T18:12:19Z
Data notes
No figure-level notes beyond those in the tables.
Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.
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