Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative (EPA:CRLO)

EPA:CRLO Income Statement

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
Interest Income on Loans	654.06	655.32	592.6	458.42	437.06	426.09
Interest Paid on Deposits	414.54	413.35	341.01	165.61	146.77	154.67
Net Interest Income	239.53	241.98	251.6	292.81	290.29	271.42
Net Interest Income Growth (YoY)	-18.20%	-3.82%	-14.07%	0.87%	6.95%	-1.78%
Income From Trading Activities	0.05	0.05	0.03	0.38	-0.03	0.22
Gain (Loss) on Sale of Assets	-0.25	-0.3	-0.01	0.33	-0.95	1.03
Other Non-Interest Income	185.84	183.67	179.23	146.29	137.92	125.97
Total Non-Interest Income	185.64	183.43	179.25	146.99	136.95	127.22
Non-Interest Income Growth (YoY)	26.29%	2.33%	21.94%	7.34%	7.64%	-9.81%
Revenues Before Loan Losses	425.17	425.4	430.85	439.8	427.24	398.65
Provision for Loan Losses	32.2	38.34	65.39	45.74	22.91	31.45
Revenue	392.97	387.06	365.46	394.07	404.33	367.2
Revenue Growth (YoY)	-0.28%	5.91%	-7.26%	-2.54%	10.11%	-7.11%
Occupancy Expenses	14.54	13.79	12.82	12.79	12.01	12.37
Selling, General & Administrative	1.98	1.98	2.02	2.44	2.6	2.79
Other Non-Interest Expense	283.02	281.9	273.21	272.84	262.13	250.47
Total Non-Interest Expense	298.17	296.46	288.04	288.07	276.74	265.63
EBT Excluding Unusual Items	94.8	90.61	77.42	106	127.59	101.56
Asset Writedown	0.19	0.19	1.05	-0.03	0.09	0.18
Pretax Income	94.99	90.8	78.46	105.97	127.68	101.74
Income Tax Expense	14.91	13.02	10.77	20.86	31.94	32.01
Earnings From Continuing Operations	80.08	77.77	67.7	85.11	95.73	69.73
Minority Interest in Earnings	-	-	-	-0	-0	-0
Net Income	80.08	77.77	67.7	85.11	95.73	69.73
Net Income to Common	80.08	77.77	67.7	85.11	95.73	69.73
Net Income Growth	-5.91%	14.88%	-20.46%	-11.10%	37.30%	-24.15%
Basic Shares Outstanding	-	8	8	-	8	8
Diluted Shares Outstanding	-	8	8	-	8	8
Shares Change (YoY)	-	-	-	-	-0.02%	-
EPS (Basic)	-	9.60	8.35	-	11.81	8.60
EPS (Diluted)	-	9.60	8.35	-	11.81	8.60
EPS Growth	-	14.88%	-	-	37.32%	-24.15%
Dividend Per Share	2.830	2.830	2.760	3.000	3.000	2.700
Dividend Growth	-5.67%	2.54%	-8.00%	-	11.11%	-7.85%
Effective Tax Rate	15.69%	14.34%	13.72%	19.68%	25.02%	31.46%

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