Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative (EPA:CCN)

EPA:CCN Balance Sheet

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	585.43	1,087	1,094	2,007	2,178
Investment Securities	3,176	2,868	2,718	2,514	2,452
Trading Asset Securities	103.41	133.6	130.55	103.64	29.43
Total Investments	3,279	3,002	2,849	2,618	2,482
Gross Loans	19,608	20,300	21,025	19,182	17,138
Allowance for Loan Losses	-293.45	-265.63	-253.83	-232.49	-217.07
Net Loans	19,315	20,035	20,771	18,949	16,920
Property, Plant & Equipment	235.16	233.94	225.06	205.14	199.43
Other Intangible Assets	0.89	0.9	0.95	0.01	0.04
Investments in Real Estate	5.7	5.77	6.08	5.78	5.33
Accrued Interest Receivable	60.58	62.08	78.28	57.74	47.51
Other Receivables	137.59	122.73	152.11	137.65	171.99
Restricted Cash	8	10	10	10	6.5
Other Current Assets	14	25.21	15.95	19.82	8.59
Long-Term Deferred Tax Assets	35.8	41.18	45.88	47.25	46.86
Other Long-Term Assets	0.49	0.19	0.19	0.08	0.16
Total Assets	23,678	24,625	25,249	24,058	22,067
Accounts Payable	199.63	123.8	157.37	342.5	96.57
Accrued Expenses	46.6	48.65	66.79	105.98	50.29
Interest Bearing Deposits	13,631	15,194	15,693	14,229	11,845
Non-Interest Bearing Deposits	5,018	4,762	4,831	5,550	5,476
Total Deposits	18,649	19,956	20,525	19,779	17,321
Short-Term Borrowings	67.3	108.68	84.79	271.16	72.04
Current Portion of Long-Term Debt	1,047	969.12	1,263	602.67	1,472
Current Portion of Leases	0.74	0.92	1.17	1.57	1.5
Current Income Taxes Payable	1.69	-	-	1.44	0
Other Current Liabilities	31.2	100.01	31.39	23.73	35.95
Long-Term Debt	80.7	85.12	65.76	98.34	137.47
Long-Term Leases	0.97	1.45	2.48	3.04	3.62
Long-Term Unearned Revenue	60.72	59.04	48.68	52.49	46.61
Pension & Post-Retirement Benefits	2.05	3.77	3.16	-	4.83
Long-Term Deferred Tax Liabilities	0.01	0	0.01	0	-
Other Long-Term Liabilities	90.51	92.87	125.17	76.79	85.35
Total Liabilities	20,278	21,549	22,374	21,359	19,327
Common Stock	175.68	175.45	176.9	180.46	169.63
Additional Paid-In Capital	182.28	182.28	182.28	182.28	182.28
Retained Earnings	85.61	78.69	77.71	81.74	95.88
Treasury Stock	-1.21	-0.38	-0.47	-0.57	-0.59
Comprehensive Income & Other	2,958	2,639	2,438	2,255	2,293
Total Common Equity	3,400	3,075	2,874	2,699	2,740
Minority Interest	0.19	0.18	0.17	0.17	0.17
Shareholders' Equity	3,400	3,076	2,875	2,699	2,740
Total Liabilities & Equity	23,678	24,625	25,249	24,058	22,067
Total Debt	1,196	1,165	1,417	976.78	1,686
Net Cash (Debt)	-507.45	55.09	-192.14	1,134	521.68
Net Cash Growth	-	-	-	117.41%	288.49%
Net Cash Per Share	-83.83	9.10	-31.73	187.48	86.22
Filing Date Shares Outstanding	6.05	6.05	6.06	6.05	6.05
Total Common Shares Outstanding	6.05	6.05	6.06	6.05	6.05
Book Value Per Share	561.65	508.28	474.65	446.10	452.85
Tangible Book Value	3,399	3,075	2,873	2,699	2,740
Tangible Book Value Per Share	561.50	508.13	474.49	446.10	452.84

Source: S&P Global Market Intelligence. Banks template. Financial Sources.