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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,036	1,056	983.11	569.77	530.79	522.18
Interest Income on Investments	101.77	96.32	79.69	71.74	48.95	15.21
Total Interest Income	1,137	1,152	1,063	641.51	579.74	537.39
Interest Paid on Deposits	809.59	819.49	763.64	247.15	214.76	233.57
Total Interest Expense	809.59	819.49	763.64	247.15	214.76	233.57
Net Interest Income	327.7	332.95	299.17	394.36	364.98	303.82
Net Interest Income Growth (YoY)	1.26%	11.29%	-24.14%	8.05%	20.13%	2.60%
Gain (Loss) on Sale of Assets	-0.74	-0.63	0.72	-0.24	-1.84	-6.19
Other Non-Interest Income	367.82	363.41	341.62	305.59	288.59	293.56
Total Non-Interest Income	367.08	362.77	342.34	305.35	286.75	287.37
Non-Interest Income Growth (YoY)	-0.90%	5.97%	12.12%	6.49%	-0.21%	1.27%
Revenues Before Loan Losses	694.78	695.73	641.51	699.71	651.73	591.19
Provision for Loan Losses	58.42	62.9	39.19	65.03	30.16	51.21
Revenue	636.36	632.82	602.32	634.68	621.57	539.98
Revenue Growth (YoY)	2.04%	5.06%	-5.10%	2.11%	15.11%	-4.08%
Occupancy Expenses	24.88	23.45	23.04	21.77	20.94	22.07
Selling, General & Administrative	1.22	1.22	3.2	-	-	1.84
Other Non-Interest Expense	428.78	417.1	424.13	421.81	388.5	372.09
Total Non-Interest Expense	454.71	441.24	450.25	443.46	422.2	395.83
EBT Excluding Unusual Items	181.65	191.58	152.07	191.22	199.37	144.15
Asset Writedown	0.23	0.23	-0.02	0.02	0.66	0.05
Pretax Income	181.88	191.81	152.05	191.23	200.04	144.19
Income Tax Expense	15.97	18.01	15.02	21.01	39.5	41.21
Earnings From Continuing Operations	165.91	173.8	137.03	170.22	160.54	102.98
Minority Interest in Earnings	-0.75	-0.82	-0.41	-0.45	-0.32	-1.88
Net Income	165.16	172.98	136.62	169.77	160.22	101.1
Net Income to Common	165.16	172.98	136.62	169.77	160.22	101.1
Net Income Growth	-5.26%	26.62%	-19.53%	5.96%	58.48%	-28.62%
Basic Shares Outstanding	42	42	42	42	58	58
Diluted Shares Outstanding	42	42	42	42	58	58
Shares Change (YoY)	1.90%	1.90%	-	-28.04%	-	-
EPS (Basic)	3.89	4.07	3.28	4.07	2.77	1.75
EPS (Diluted)	3.89	4.07	3.28	4.07	2.77	1.75
EPS Growth	-7.03%	24.26%	-19.53%	47.25%	58.48%	-28.62%
Dividend Per Share	0.700	0.700	0.650	0.530	1.050	1.050
Dividend Growth	7.69%	7.69%	22.64%	-49.52%	-	-
Effective Tax Rate	8.78%	9.39%	9.88%	10.99%	19.75%	28.58%

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