Caisse Regionale de Credit Agricole Mutuel Toulouse 31 (EPA: CAT31)

CAT31 Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	460.81	415.91	242.8	219.31	212.82	223.55
Interest Income on Investments	36.08	30.99	29.84	19.19	4.95	-
Total Interest Income	496.89	446.9	272.64	238.5	217.76	223.55
Interest Paid on Deposits	378.96	326.01	105.2	92.54	94.44	116.01
Total Interest Expense	378.96	326.01	105.2	92.54	94.44	116.01
Net Interest Income	117.93	120.89	167.43	145.96	123.32	107.55
Net Interest Income Growth (YoY)	-16.13%	-27.80%	14.71%	18.36%	14.67%	3.11%
Gain (Loss) on Sale of Assets	-0.09	-0.05	0.23	1.18	-0.55	-0.61
Gain (Loss) on Sale of Investments	-	-	-0.08	0.33	-	-
Other Non-Interest Income	140.47	129.44	110.26	118.58	116.57	155.87
Total Non-Interest Income	140.37	129.39	110.41	120.09	116.01	155.26
Non-Interest Income Growth (YoY)	16.93%	17.19%	-8.06%	3.51%	-25.28%	13.66%
Revenues Before Loan Losses	258.3	250.28	277.84	266.04	239.33	262.8
Provision for Loan Losses	8.62	8.1	23.32	1.82	9.11	3.69
Revenue	249.69	242.18	254.52	264.23	230.23	259.11
Revenue Growth (YoY)	3.79%	-4.85%	-3.67%	14.77%	-11.15%	11.19%
Occupancy Expenses	11.35	11.56	12.01	12.7	13.51	10.41
Other Non-Interest Expense	170.02	168.89	163.97	159.99	161.68	166.11
Total Non-Interest Expense	175.45	175.41	175.98	172.69	175.19	176.52
EBT Excluding Unusual Items	74.24	66.76	78.54	91.53	55.04	82.59
Asset Writedown	0.02	0.02	0.33	-0.21	0.08	-0.06
Pretax Income	74.25	66.78	78.87	91.32	52.03	82.52
Income Tax Expense	6.97	7.47	12.25	21.38	16.6	17.67
Earnings From Continuing Operations	67.28	59.3	66.62	69.94	35.43	64.86
Net Income	67.28	59.3	66.62	69.94	35.43	64.86
Net Income to Common	67.28	59.3	66.62	69.94	35.43	64.86
Net Income Growth	25.39%	-10.99%	-4.74%	97.41%	-45.37%	27.55%
Basic Shares Outstanding	3	5	5	5	5	5
Diluted Shares Outstanding	3	5	5	5	5	5
Shares Change (YoY)	-	0.01%	-0.28%	-	0.22%	0.07%
EPS (Basic)	21.26	12.95	14.55	15.24	7.72	14.16
EPS (Diluted)	21.26	12.95	14.55	15.24	7.72	14.16
EPS Growth	25.39%	-10.99%	-4.48%	97.41%	-45.49%	27.45%
Dividend Per Share	3.240	3.240	3.320	4.030	3.300	4.370
Dividend Growth	-2.41%	-2.41%	-17.62%	22.12%	-24.49%	0%
Effective Tax Rate	9.39%	11.19%	15.53%	23.42%	31.90%	21.41%

Source: S&P Capital IQ. Banks template. Financial Sources.