Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative (LON: 0O40)

Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative 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	777.21	661.14	345.16	309.2	290.86	297.04
Total Interest Income	777.21	661.14	345.16	309.2	290.86	297.04
Interest Paid on Deposits	660.03	538.64	160.82	123.74	124.04	141.18
Total Interest Expense	660.03	538.64	160.82	123.74	124.04	141.18
Net Interest Income	117.19	122.5	184.34	185.47	166.82	155.86
Net Interest Income Growth (YoY)	-20.76%	-33.55%	-0.61%	11.18%	7.04%	-9.99%
Gain (Loss) on Sale of Assets	0.12	0.11	0.29	2.51	-0.09	0.06
Gain (Loss) on Sale of Investments	-0.08	0.02	-1.67	-0.02	0.12	-
Other Non-Interest Income	258.36	249.79	189.95	193.84	164.44	191.05
Total Non-Interest Income	259.3	249.93	188.56	196.33	164.47	191.11
Non-Interest Income Growth (YoY)	15.87%	32.54%	-3.96%	19.37%	-13.94%	9.84%
Revenues Before Loan Losses	376.49	372.43	372.9	381.79	331.29	346.97
Provision for Loan Losses	26.05	26.17	27.38	11.59	10.03	3.34
Revenue	350.44	346.26	345.52	370.2	321.27	343.63
Revenue Growth (YoY)	1.00%	0.21%	-6.67%	15.23%	-6.51%	-0.02%
Occupancy Expenses	20.26	19.58	17.9	17.07	17.49	14.51
Other Non-Interest Expense	237.94	237.84	232.16	229.29	219.74	215.3
Total Non-Interest Expense	258.21	257.42	250.06	246.36	237.23	229.82
EBT Excluding Unusual Items	92.24	88.84	95.47	123.84	84.04	113.82
Pretax Income	92.24	88.84	95.47	123.84	84.04	113.82
Income Tax Expense	8.82	11.13	13.73	27.96	26.48	27.82
Earnings From Continuing Operations	83.41	77.72	81.74	95.88	57.56	86
Minority Interest in Earnings	-0.01	-0.01	0.01	-0	-0	-0
Net Income	83.41	77.71	81.74	95.88	57.55	85.99
Net Income to Common	83.41	77.71	81.74	95.88	57.55	85.99
Net Income Growth	4.02%	-4.93%	-14.75%	66.60%	-33.07%	-2.76%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	-0.00%	0.10%	-0.01%	-0.03%	-0.02%	0.01%
EPS (Basic)	13.79	12.83	13.51	15.85	9.51	14.21
EPS (Diluted)	13.79	12.83	13.51	15.85	9.51	14.21
EPS Growth	4.03%	-5.03%	-14.74%	66.64%	-33.06%	-2.77%
Dividend Per Share	3.710	3.710	4.100	4.060	3.580	4.520
Dividend Growth	-9.51%	-9.51%	0.99%	13.41%	-20.80%	-11.55%
Effective Tax Rate	9.57%	12.52%	14.38%	22.57%	31.51%	24.44%

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