Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (EPA:CNDF)

EPA:CNDF 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	1,065	983.11	569.77	530.79	522.18	559.74
Interest Income on Investments	96.08	79.69	71.74	48.95	15.21	60.67
Total Interest Income	1,161	1,063	641.51	579.74	537.39	620.41
Interest Paid on Deposits	837.19	763.64	247.15	214.76	233.57	324.29
Total Interest Expense	837.19	763.64	247.15	214.76	233.57	324.29
Net Interest Income	323.64	299.17	394.36	364.98	303.82	296.12
Net Interest Income Growth (YoY)	-0.59%	-24.14%	8.05%	20.13%	2.60%	5.64%
Gain (Loss) on Sale of Assets	0.8	0.72	-0.24	-1.84	-6.19	-1.36
Other Non-Interest Income	369.63	341.62	305.59	288.59	293.56	285.13
Total Non-Interest Income	370.43	342.34	305.35	286.75	287.37	283.77
Non-Interest Income Growth (YoY)	20.49%	12.12%	6.49%	-0.21%	1.27%	-3.84%
Revenues Before Loan Losses	694.06	641.51	699.71	651.73	591.19	579.89
Provision for Loan Losses	70.42	39.19	65.03	30.16	51.21	16.94
Revenue	623.64	602.32	634.68	621.57	539.98	562.94
Revenue Growth (YoY)	5.59%	-5.10%	2.11%	15.11%	-4.08%	1.96%
Occupancy Expenses	22.59	23.04	21.77	20.94	22.07	21.67
Selling, General & Administrative	-	-	-	-	1.84	4.79
Other Non-Interest Expense	404.99	427.33	421.81	388.5	372.09	362.34
Total Non-Interest Expense	427.22	450.25	443.46	422.2	395.83	385.15
EBT Excluding Unusual Items	196.42	152.07	191.22	199.37	144.15	177.8
Asset Writedown	-0.02	-0.02	0.02	0.66	0.05	-
Pretax Income	196.4	152.05	191.23	200.04	144.19	177.8
Income Tax Expense	21.36	15.02	21.01	39.5	41.21	35.94
Earnings From Continuing Operations	175.05	137.03	170.22	160.54	102.98	141.86
Minority Interest in Earnings	-0.72	-0.41	-0.45	-0.32	-1.88	-0.23
Net Income	174.33	136.62	169.77	160.22	101.1	141.63
Net Income to Common	174.33	136.62	169.77	160.22	101.1	141.63
Net Income Growth	31.55%	-19.53%	5.96%	58.48%	-28.62%	6.56%
Basic Shares Outstanding	42	42	42	58	58	58
Diluted Shares Outstanding	42	42	42	58	58	58
Shares Change (YoY)	-	-	-28.04%	-	-	0.02%
EPS (Basic)	4.18	3.28	4.07	2.77	1.75	2.45
EPS (Diluted)	4.18	3.28	4.07	2.77	1.75	2.45
EPS Growth	31.55%	-19.53%	47.25%	58.48%	-28.62%	6.54%
Dividend Per Share	0.650	0.650	0.530	1.050	1.050	1.050
Dividend Growth	22.64%	22.64%	-49.52%	-	-	-
Effective Tax Rate	10.87%	9.88%	10.99%	19.75%	28.58%	20.21%

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