Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative (EPA:CRLA)

EPA:CRLA 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	1,224	1,215	643.61	586.59	555.77
Interest Income on Investments	94.09	77.96	70.04	47.06	13.94
Total Interest Income	1,318	1,293	713.65	633.64	569.71
Interest Paid on Deposits	984.06	930.2	323.12	279.26	290.2
Total Interest Expense	984.06	930.2	323.12	279.26	290.2
Net Interest Income	333.97	362.84	390.53	354.39	279.51
Net Interest Income Growth (YoY)	-7.95%	-7.09%	10.20%	26.79%	-13.84%
Income From Trading Activities	-	-	-	1.89	-
Gain (Loss) on Sale of Assets	-0.21	0.84	-0.05	2.65	1.48
Other Non-Interest Income	301.53	284.62	284.23	269.11	222.12
Total Non-Interest Income	301.32	285.46	284.18	273.65	223.59
Non-Interest Income Growth (YoY)	5.56%	0.45%	3.85%	22.39%	-12.13%
Revenues Before Loan Losses	635.3	648.3	674.71	628.04	503.1
Provision for Loan Losses	71.68	76.37	50.2	17.04	-10.84
Revenue	563.61	571.93	624.51	610.99	513.94
Revenue Growth (YoY)	-1.45%	-8.42%	2.21%	18.88%	-10.84%
Occupancy Expenses	15.4	17.88	14.65	15.99	16.42
Other Non-Interest Expense	348.65	344.47	339.31	312.37	299.83
Total Non-Interest Expense	364.05	362.35	353.96	328.36	316.25
EBT Excluding Unusual Items	199.57	209.58	270.55	282.64	197.69
Pretax Income	199.57	209.58	270.55	282.64	197.69
Income Tax Expense	25.56	32.73	52.16	70.05	62.39
Earnings From Continuing Operations	174.01	176.86	218.39	212.59	135.3
Minority Interest in Earnings	-0.69	-1.27	-0.66	-1.42	0.63
Net Income	173.32	175.58	217.73	211.17	135.94
Net Income to Common	173.32	175.58	217.73	211.17	135.94
Net Income Growth	-1.29%	-19.36%	3.11%	55.34%	-26.96%
Basic Shares Outstanding	20	20	20	20	20
Diluted Shares Outstanding	20	20	20	20	20
Shares Change (YoY)	-0.03%	-0.05%	-	0.07%	-0.07%
EPS (Basic)	8.77	8.88	11.00	10.67	6.87
EPS (Diluted)	8.77	8.88	11.00	10.67	6.87
EPS Growth	-1.26%	-19.31%	3.11%	55.23%	-26.90%
Dividend Per Share	2.660	2.740	2.780	2.690	2.550
Dividend Growth	-2.92%	-1.44%	3.35%	5.49%	-0.39%
Effective Tax Rate	12.81%	15.62%	19.28%	24.78%	31.56%

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