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

EPA:CNDF Balance Sheet

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
Cash & Equivalents	132.08	116.33	108.91	120.78	103.27	90.64
Investment Securities	5,088	4,639	3,301	3,587	4,296	4,425
Trading Asset Securities	180.46	199.86	195	229.06	169.27	278.21
Total Investments	5,268	4,839	3,496	3,816	4,466	4,703
Gross Loans	28,878	28,766	29,135	29,619	28,164	26,696
Allowance for Loan Losses	-450.98	-452	-449.08	-432.41	-400.4	-390.48
Net Loans	28,427	28,314	28,685	29,187	27,763	26,305
Property, Plant & Equipment	240.11	211.4	216.03	204.88	196.34	196.12
Goodwill	1.61	1.61	1.61	1.61	1.61	-
Other Intangible Assets	17.94	18.27	15.04	11.07	10.63	9.24
Investments in Real Estate	184.89	186.14	157.91	134.09	129.49	111.47
Accrued Interest Receivable	356.9	5.9	4.87	109.95	87.59	118.2
Other Receivables	4,081	4,316	5,332	7,061	4,237	3,051
Restricted Cash	-	24.58	15.35	16.23	21.63	14.74
Other Current Assets	-	11.37	11.58	13.49	3.22	3.02
Long-Term Deferred Tax Assets	83.26	73.56	76.03	83.72	51.76	46.53
Other Long-Term Assets	-	117.48	152	0.18	0.21	0.2
Total Assets	38,793	38,235	38,273	40,760	37,072	34,649
Accounts Payable	-	-	-	642.1	122.58	118.06
Accrued Expenses	698.29	122.1	169.22	167.88	77.26	79.7
Interest Bearing Deposits	31,404	31,028	31,690	24,361	21,396	19,352
Non-Interest Bearing Deposits	0.16	-	-	8,940	9,190	8,375
Total Deposits	31,404	31,028	31,690	33,301	30,586	27,727
Short-Term Borrowings	465.3	504.8	179.26	1,002	579.26	1,027
Current Portion of Long-Term Debt	-	0.91	1.12	0.81	0.02	612.83
Current Portion of Leases	-	4.32	4	6.26	6.26	6.11
Current Income Taxes Payable	15.23	7	2.96	3.89	4.23	8.86
Other Current Liabilities	-	-	-	61.54	112.04	78.95
Long-Term Debt	119.71	152.86	131.62	198.07	148.5	155.32
Long-Term Leases	-	11.69	13.08	15.13	19.87	27.96
Long-Term Unearned Revenue	-	123.7	101.77	97.8	99.34	106.37
Pension & Post-Retirement Benefits	6.39	3.75	3.2	0.77	7.38	8.01
Long-Term Deferred Tax Liabilities	-	0.34	0.74	0.8	1.35	1.49
Other Long-Term Liabilities	103	545.07	586.44	121.22	141.68	137.93
Total Liabilities	32,812	32,505	32,884	35,619	31,906	30,095
Common Stock	767.71	761.34	785.04	837.93	774.1	654.26
Additional Paid-In Capital	419.19	419.19	424.72	424.72	424.72	424.72
Retained Earnings	120.52	172.98	136.62	169.77	160.22	101.1
Treasury Stock	-2.05	-0.4	-16.66	-16.19	-16.14	-16.21
Comprehensive Income & Other	4,668	4,369	4,050	3,720	3,818	3,385
Total Common Equity	5,973	5,722	5,380	5,136	5,161	4,548
Minority Interest	8.37	8.57	8.93	5.01	4.55	5.77
Shareholders' Equity	5,981	5,731	5,389	5,141	5,166	4,554
Total Liabilities & Equity	38,793	38,235	38,273	40,760	37,072	34,649
Total Debt	585.01	674.58	329.07	1,222	753.91	1,829
Net Cash (Debt)	13.26	-68.1	-25.17	-558.89	-157.26	-830.88
Net Cash Per Share	0.31	-1.60	-0.60	-13.41	-2.72	-14.35
Filing Date Shares Outstanding	58.48	58.57	57.81	57.86	57.91	57.91
Total Common Shares Outstanding	58.48	58.57	57.81	57.86	57.91	57.91
Book Value Per Share	102.13	97.69	93.07	88.78	89.13	78.54
Tangible Book Value	5,953	5,702	5,363	5,123	5,149	4,539
Tangible Book Value Per Share	101.80	97.35	92.78	88.56	88.92	78.38

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