Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (EPA:CRAV)

EPA:CRAV Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,195	1,052	486.08	430.26	409.94
Interest Income on Investments	76.81	63.97	56.19	36.36	12.37
Total Interest Income	1,272	1,116	542.27	466.63	422.31
Interest Paid on Deposits	1,023	877.37	228.16	172.02	184.31
Total Interest Expense	1,023	877.37	228.16	172.02	184.31
Net Interest Income	248.57	238.23	314.11	294.61	238
Net Interest Income Growth (YoY)	4.34%	-24.16%	6.62%	23.78%	-8.69%
Gain (Loss) on Sale of Assets	0.75	0.54	0.52	0.64	0.86
Other Non-Interest Income	198.89	194.74	184.83	158.38	154.05
Total Non-Interest Income	199.64	195.2	185.27	159.33	154.59
Non-Interest Income Growth (YoY)	2.28%	5.36%	16.28%	3.06%	-13.05%
Revenues Before Loan Losses	448.21	433.42	499.37	453.93	392.59
Provision for Loan Losses	36.96	24.11	25.89	13.81	29.74
Revenue	411.26	409.31	473.49	440.12	362.85
Revenue Growth (YoY)	0.48%	-13.55%	7.58%	21.29%	-15.75%
Occupancy Expenses	22.13	21.02	20.69	18.74	20.47
Other Non-Interest Expense	299.23	295.06	291.5	271.26	257.93
Total Non-Interest Expense	321.35	316.07	312.18	290	278.4
EBT Excluding Unusual Items	89.91	93.24	161.3	150.12	84.45
Asset Writedown	-	-	-	-	0.01
Pretax Income	89.91	93.24	161.3	150.12	84.46
Income Tax Expense	4.31	6.83	28.4	36.66	31.86
Net Income	85.6	86.41	132.9	113.46	52.6
Net Income to Common	85.6	86.41	132.9	113.46	52.6
Net Income Growth	-0.94%	-34.98%	17.13%	115.70%	-53.26%
Basic Shares Outstanding	7	7	7	7	7
Diluted Shares Outstanding	7	7	7	7	7
Shares Change (YoY)	-0.04%	-0.01%	-0.05%	-0.04%	-0.07%
EPS (Basic)	11.59	11.70	17.99	15.35	7.12
EPS (Diluted)	11.59	11.70	17.99	15.35	7.12
EPS Growth	-0.90%	-34.98%	17.19%	115.78%	-53.23%
Dividend Per Share	3.530	3.710	4.020	3.880	3.120
Dividend Growth	-4.85%	-7.71%	3.61%	24.36%	-21.01%
Effective Tax Rate	4.79%	7.32%	17.61%	24.42%	37.72%

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