Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative (EPA:CRTO)

EPA:CRTO Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	481.38	419.25	270.09	245.45	239.85
Interest Income on Investments	52.14	42.75	38.44	25.59	6.59
Total Interest Income	533.52	462	308.54	271.04	246.44
Interest Paid on Deposits	386.17	324.25	129.23	111.92	115.19
Net Interest Income	147.35	137.76	179.31	159.13	131.25
Net Interest Income Growth (YoY)	6.96%	-23.17%	12.68%	21.24%	6.82%
Gain (Loss) on Sale of Assets	0.02	0.02	-0	0.01	0
Gain (Loss) on Sale of Investments	-3.44	-0.49	-1.33	0.33	0.76
Other Non-Interest Income	168.77	208.98	159.41	147.35	131.89
Total Non-Interest Income	165.35	208.51	158.08	147.68	132.65
Non-Interest Income Growth (YoY)	-20.70%	31.90%	7.04%	11.33%	-23.83%
Revenues Before Loan Losses	312.7	346.26	337.39	306.8	263.9
Provision for Loan Losses	13.09	14.13	21.14	20.15	20.57
Revenue	299.6	332.13	316.25	286.66	243.32
Revenue Growth (YoY)	-9.79%	5.02%	10.32%	17.81%	-13.84%
Occupancy Expenses	10.07	10.6	10.05	9.49	9.63
Selling, General & Administrative	0.92	0.52	0.67	0.36	0.56
Other Non-Interest Expense	201.21	200.22	198.25	186.12	168.26
Total Non-Interest Expense	212.19	211.34	208.97	195.97	178.45
EBT Excluding Unusual Items	87.41	120.8	107.28	90.69	64.87
Pretax Income	87.41	120.8	107.28	90.69	64.87
Income Tax Expense	6.87	8.96	13.66	18.15	19.15
Net Income	80.55	111.84	93.62	72.54	45.72
Net Income to Common	80.55	111.84	93.62	72.54	45.72
Net Income Growth	-27.98%	19.45%	29.06%	58.67%	-41.89%
Basic Shares Outstanding	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6
Shares Change (YoY)	-0.18%	-0.18%	-0.34%	-0.06%	-0.12%
EPS (Basic)	12.86	17.83	14.90	11.51	7.25
EPS (Diluted)	12.86	17.83	14.90	11.51	7.25
EPS Growth	-27.85%	19.67%	29.50%	58.76%	-41.82%
Dividend Per Share	3.210	3.190	3.280	2.980	2.920
Dividend Growth	0.63%	-2.74%	10.07%	2.05%	-9.88%
Effective Tax Rate	7.85%	7.42%	12.73%	20.01%	29.53%

Updated Sep 19, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.