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

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

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