Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative (EPA:CRTO)

EPA:CRTO Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	425.42	481.38	419.25	270.09	245.45
Interest Income on Investments	55.11	52.14	42.75	38.44	25.59
Total Interest Income	480.53	533.52	462	308.54	271.04
Interest Paid on Deposits	316.43	386.17	324.25	129.23	111.92
Net Interest Income	164.1	147.35	137.76	179.31	159.13
Net Interest Income Growth (YoY)	11.37%	6.96%	-23.17%	12.68%	21.24%
Gain (Loss) on Sale of Assets	0.56	0.02	0.02	-0	0.01
Gain (Loss) on Sale of Investments	-2.76	-3.44	-0.49	-1.33	0.33
Other Non-Interest Income	173.43	168.77	208.98	159.41	147.35
Total Non-Interest Income	171.23	165.35	208.51	158.08	147.68
Non-Interest Income Growth (YoY)	3.56%	-20.70%	31.90%	7.04%	11.33%
Revenues Before Loan Losses	335.33	312.7	346.26	337.39	306.8
Provision for Loan Losses	27.12	13.09	14.13	21.14	20.15
Revenue	308.21	299.6	332.13	316.25	286.66
Revenue Growth (YoY)	2.87%	-9.79%	5.02%	10.32%	17.81%
Occupancy Expenses	10.31	10.07	10.6	10.05	9.49
Selling, General & Administrative	0.82	0.92	0.52	0.67	0.36
Other Non-Interest Expense	206.31	201.21	200.22	198.25	186.12
Total Non-Interest Expense	217.44	212.19	211.34	208.97	195.97
EBT Excluding Unusual Items	90.77	87.41	120.8	107.28	90.69
Pretax Income	90.77	87.41	120.8	107.28	90.69
Income Tax Expense	8.54	6.87	8.96	13.66	18.15
Net Income	82.23	80.55	111.84	93.62	72.54
Net Income to Common	82.23	80.55	111.84	93.62	72.54
Net Income Growth	2.10%	-27.98%	19.45%	29.06%	58.67%
Basic Shares Outstanding	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6
Shares Change (YoY)	-0.27%	-0.18%	-0.18%	-0.34%	-0.06%
EPS (Basic)	13.17	12.86	17.83	14.90	11.51
EPS (Diluted)	13.17	12.86	17.83	14.90	11.51
EPS Growth	2.37%	-27.85%	19.67%	29.50%	58.76%
Dividend Per Share	3.400	3.210	3.190	3.280	2.980
Dividend Growth	5.92%	0.63%	-2.74%	10.07%	2.05%
Effective Tax Rate	9.41%	7.85%	7.42%	12.73%	20.01%

Updated Dec 31, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.