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	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	457.32	481.38	419.25	270.09	245.45	239.85
Interest Income on Investments	55.18	52.14	42.75	38.44	25.59	6.59
Total Interest Income	512.49	533.52	462	308.54	271.04	246.44
Interest Paid on Deposits	356.8	386.17	324.25	129.23	111.92	115.19
Net Interest Income	155.7	147.35	137.76	179.31	159.13	131.25
Net Interest Income Growth (YoY)	5.83%	6.96%	-23.17%	12.68%	21.24%	6.82%
Gain (Loss) on Sale of Assets	0.22	0.02	0.02	-0	0.01	0
Gain (Loss) on Sale of Investments	-3.51	-3.44	-0.49	-1.33	0.33	0.76
Other Non-Interest Income	164.08	168.77	208.98	159.41	147.35	131.89
Total Non-Interest Income	161.67	165.35	208.51	158.08	147.68	132.65
Non-Interest Income Growth (YoY)	-19.74%	-20.70%	31.90%	7.04%	11.33%	-23.83%
Revenues Before Loan Losses	317.37	312.7	346.26	337.39	306.8	263.9
Provision for Loan Losses	19.41	13.09	14.13	21.14	20.15	20.57
Revenue	297.96	299.6	332.13	316.25	286.66	243.32
Revenue Growth (YoY)	-10.51%	-9.79%	5.02%	10.32%	17.81%	-13.84%
Occupancy Expenses	10.13	10.07	10.6	10.05	9.49	9.63
Selling, General & Administrative	0.92	0.92	0.52	0.67	0.36	0.56
Other Non-Interest Expense	203.64	201.21	200.22	198.25	186.12	168.26
Total Non-Interest Expense	214.68	212.19	211.34	208.97	195.97	178.45
EBT Excluding Unusual Items	83.28	87.41	120.8	107.28	90.69	64.87
Pretax Income	83.28	87.41	120.8	107.28	90.69	64.87
Income Tax Expense	4.24	6.87	8.96	13.66	18.15	19.15
Net Income	79.04	80.55	111.84	93.62	72.54	45.72
Net Income to Common	79.04	80.55	111.84	93.62	72.54	45.72
Net Income Growth	-29.10%	-27.98%	19.45%	29.06%	58.67%	-41.89%
Basic Shares Outstanding	-	6	6	6	6	6
Diluted Shares Outstanding	-	6	6	6	6	6
Shares Change (YoY)	-	-0.18%	-0.18%	-0.34%	-0.06%	-0.12%
EPS (Basic)	-	12.86	17.83	14.90	11.51	7.25
EPS (Diluted)	-	12.86	17.83	14.90	11.51	7.25
EPS Growth	-	-27.85%	19.67%	29.50%	58.76%	-41.82%
Dividend Per Share	3.210	3.210	3.190	3.280	2.980	2.920
Dividend Growth	0.63%	0.63%	-2.74%	10.07%	2.05%	-9.88%
Effective Tax Rate	5.09%	7.85%	7.42%	12.73%	20.01%	29.53%

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