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	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	108.51	116.33	108.91	120.78	103.27
Investment Securities	5,713	4,639	3,301	3,587	4,296
Trading Asset Securities	149.77	199.86	195	229.06	169.27
Total Investments	5,863	4,839	3,496	3,816	4,466
Gross Loans	29,186	28,766	29,135	29,619	28,164
Allowance for Loan Losses	-451.72	-452	-449.08	-432.41	-400.4
Net Loans	28,734	28,314	28,685	29,187	27,763
Property, Plant & Equipment	232.9	211.4	216.03	204.88	196.34
Goodwill	1.61	1.61	1.61	1.61	1.61
Other Intangible Assets	27.81	18.27	15.04	11.07	10.63
Investments in Real Estate	210.03	186.14	157.91	134.09	129.49
Accrued Interest Receivable	132.97	123.27	4.87	109.95	87.59
Other Receivables	3,948	4,316	5,332	7,061	4,237
Restricted Cash	21.18	24.58	15.35	16.23	21.63
Other Current Assets	12.23	11.37	11.58	13.49	3.22
Long-Term Deferred Tax Assets	61.86	73.56	76.03	83.72	51.76
Other Long-Term Assets	0.05	0.12	152	0.18	0.21
Total Assets	39,354	38,235	38,273	40,760	37,072
Accounts Payable	-	-	-	642.1	122.58
Accrued Expenses	130.51	122.1	169.22	167.88	77.26
Interest Bearing Deposits	31,443	31,028	31,690	24,361	21,396
Non-Interest Bearing Deposits	-	-	-	8,940	9,190
Total Deposits	31,443	31,028	31,690	33,301	30,586
Short-Term Borrowings	523.15	504.8	179.26	1,002	579.26
Current Portion of Long-Term Debt	0.5	0.91	1.12	0.81	0.02
Current Portion of Leases	3.46	4.32	4	6.26	6.26
Current Income Taxes Payable	2.1	7	2.96	3.89	4.23
Other Current Liabilities	52.01	85.12	-	61.54	112.04
Long-Term Debt	119.01	152.86	131.62	198.07	148.5
Long-Term Leases	7.96	11.69	13.08	15.13	19.87
Long-Term Unearned Revenue	155.83	123.7	101.77	97.8	99.34
Pension & Post-Retirement Benefits	2.07	3.75	3.2	0.77	7.38
Long-Term Deferred Tax Liabilities	0.61	0.34	0.74	0.8	1.35
Other Long-Term Liabilities	611.58	459.95	586.44	121.22	141.68
Total Liabilities	33,051	32,505	32,884	35,619	31,906
Common Stock	764.28	761.34	785.04	837.93	774.1
Additional Paid-In Capital	422.18	419.19	424.72	424.72	424.72
Retained Earnings	182.1	172.98	136.62	169.77	160.22
Treasury Stock	-18.76	-0.4	-16.66	-16.19	-16.14
Comprehensive Income & Other	4,935	4,369	4,050	3,720	3,818
Total Common Equity	6,285	5,722	5,380	5,136	5,161
Minority Interest	17.52	8.57	8.93	5.01	4.55
Shareholders' Equity	6,303	5,731	5,389	5,141	5,166
Total Liabilities & Equity	39,354	38,235	38,273	40,760	37,072
Total Debt	654.08	674.58	329.07	1,222	753.91
Net Cash (Debt)	-4.13	-68.1	-25.17	-558.89	-157.26
Net Cash Per Share	-0.10	-1.60	-0.60	-13.41	-2.72
Filing Date Shares Outstanding	57.83	58.57	57.81	57.86	57.91
Total Common Shares Outstanding	57.83	58.57	57.81	57.86	57.91
Book Value Per Share	108.69	97.69	93.07	88.78	89.13
Tangible Book Value	6,256	5,702	5,363	5,123	5,149
Tangible Book Value Per Share	108.18	97.35	92.78	88.56	88.92

Data Source: S&P Global Market Intelligence Last updated: Dec 31, 2025

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Jul 8, 2026

Data Sources Report a data error