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

CRTO Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	472.92	419.25	270.09	245.45	239.85	265.71
Interest Income on Investments	52.26	42.75	38.44	25.59	6.59	-
Total Interest Income	525.18	462	308.54	271.04	246.44	265.71
Interest Paid on Deposits	378.06	324.25	129.23	111.92	115.19	142.84
Net Interest Income	147.12	137.76	179.31	159.13	131.25	122.87
Net Interest Income Growth (YoY)	-5.47%	-23.17%	12.68%	21.24%	6.82%	-6.50%
Gain (Loss) on Sale of Assets	0.01	0.02	-0	0.01	0	-0.03
Gain (Loss) on Sale of Investments	-0.43	-0.49	-1.33	0.33	0.76	-
Other Non-Interest Income	204.08	208.98	159.41	147.35	131.89	174.18
Total Non-Interest Income	201.44	208.51	158.08	147.68	132.65	174.14
Non-Interest Income Growth (YoY)	18.20%	31.90%	7.04%	11.33%	-23.83%	8.55%
Revenues Before Loan Losses	348.57	346.26	337.39	306.8	263.9	297.01
Provision for Loan Losses	15.62	14.13	21.14	20.15	20.57	14.6
Revenue	332.95	332.13	316.25	286.66	243.32	282.41
Revenue Growth (YoY)	2.10%	5.02%	10.32%	17.81%	-13.84%	2.53%
Occupancy Expenses	10.52	10.6	10.05	9.49	9.63	7.93
Selling, General & Administrative	0.52	0.52	0.67	0.36	0.56	1.14
Other Non-Interest Expense	200.82	200.22	198.25	186.12	168.26	171.14
Total Non-Interest Expense	211.85	211.34	208.97	195.97	178.45	180.21
EBT Excluding Unusual Items	121.1	120.8	107.28	90.69	64.87	102.2
Pretax Income	121.1	120.8	107.28	90.69	64.87	102.2
Income Tax Expense	9.62	8.96	13.66	18.15	19.15	23.53
Net Income	111.48	111.84	93.62	72.54	45.72	78.67
Net Income to Common	111.48	111.84	93.62	72.54	45.72	78.67
Net Income Growth	9.35%	19.46%	29.06%	58.67%	-41.89%	-1.66%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	-0.15%	-0.18%	-0.34%	-0.06%	-0.12%	-0.23%
EPS (Basic)	17.79	17.83	14.90	11.51	7.25	12.46
EPS (Diluted)	17.79	17.83	14.90	11.51	7.25	12.46
EPS Growth	9.52%	19.67%	29.50%	58.76%	-41.82%	-1.43%
Dividend Per Share	3.190	3.190	3.280	2.980	2.920	3.240
Dividend Growth	-2.74%	-2.74%	10.07%	2.05%	-9.88%	1.25%
Effective Tax Rate	7.94%	7.42%	12.73%	20.01%	29.52%	23.02%

Source: S&P Capital IQ. Banks template. Financial Sources.