Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (EPA:CNDF)
France · Delayed Price · Currency is EUR 25.76
-1.00 (-3.74%)
Oct 1, 2026, 5:35 PM CET
EPA:CNDF Balance Sheet
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 111.06 | 108.51 | 116.33 | 108.91 | 120.78 | 103.27 |
Investment Securities | 5,414 | 5,713 | 4,639 | 3,301 | 3,587 | 4,296 |
Trading Asset Securities | 146.45 | 149.77 | 199.86 | 195 | 229.06 | 169.27 |
Total Investments | 5,560 | 5,863 | 4,839 | 3,496 | 3,816 | 4,466 |
Gross Loans | 32,851 | 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 | 32,851 | 28,734 | 28,314 | 28,685 | 29,187 | 27,763 |
Property, Plant & Equipment | 220.22 | 232.9 | 211.4 | 216.03 | 204.88 | 196.34 |
Goodwill | 1.61 | 1.61 | 1.61 | 1.61 | 1.61 | 1.61 |
Other Intangible Assets | 0.14 | 27.81 | 18.27 | 15.04 | 11.07 | 10.63 |
Investments in Real Estate | 234.17 | 210.03 | 186.14 | 157.91 | 134.09 | 129.49 |
Accrued Interest Receivable | 490.53 | 132.97 | 123.27 | 4.87 | 109.95 | 87.59 |
Other Receivables | 92.71 | 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 | 39,562 | 39,354 | 38,235 | 38,273 | 40,760 | 37,072 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Accounts Payable | - | - | - | - | 642.1 | 122.58 |
Accrued Expenses | 860.43 | 130.51 | 122.1 | 169.22 | 167.88 | 77.26 |
Interest Bearing Deposits | 31,723 | 31,443 | 31,028 | 31,690 | 24,361 | 21,396 |
Non-Interest Bearing Deposits | - | - | - | - | 8,940 | 9,190 |
Total Deposits | 31,723 | 31,443 | 31,028 | 31,690 | 33,301 | 30,586 |
Short-Term Borrowings | 46.06 | 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 | 39.53 | 2.1 | 7 | 2.96 | 3.89 | 4.23 |
Other Current Liabilities | 81.01 | 52.01 | 85.12 | - | 61.54 | 112.04 |
Long-Term Debt | 146.12 | 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 | 108.52 | 611.58 | 459.95 | 586.44 | 121.22 | 141.68 |
Total Liabilities | 33,005 | 33,051 | 32,505 | 32,884 | 35,619 | 31,906 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Common Stock | 1,162 | 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 | 194.36 | 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 | 5,182 | 4,935 | 4,369 | 4,050 | 3,720 | 3,818 |
Total Common Equity | 6,539 | 6,285 | 5,722 | 5,380 | 5,136 | 5,161 |
Minority Interest | 17.74 | 17.52 | 8.57 | 8.93 | 5.01 | 4.55 |
Shareholders' Equity | 6,557 | 6,303 | 5,731 | 5,389 | 5,141 | 5,166 |
Total Liabilities & Equity | 39,562 | 39,354 | 38,235 | 38,273 | 40,760 | 37,072 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 192.18 | 654.08 | 674.58 | 329.07 | 1,222 | 753.91 |
Net Cash (Debt) | 65.33 | -4.13 | -68.1 | -25.17 | -558.89 | -157.26 |
Net Cash Growth | 392.54% | - | - | - | - | - |
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 | 6,537 | 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 |