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

LON:0O40 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	757.28	798.27	661.14	345.16	309.2	290.86
Total Interest Income	757.28	798.27	661.14	345.16	309.2	290.86
Interest Paid on Deposits	627.36	671.79	538.64	160.82	123.74	124.04
Total Interest Expense	627.36	671.79	538.64	160.82	123.74	124.04
Net Interest Income	129.93	126.48	122.5	184.34	185.47	166.82
Net Interest Income Growth (YoY)	10.87%	3.25%	-33.55%	-0.61%	11.18%	7.03%
Gain (Loss) on Sale of Assets	2.44	1.71	0.11	0.29	2.51	-0.09
Gain (Loss) on Sale of Investments	-0.01	-0.02	0.02	-1.67	-0.02	0.12
Other Non-Interest Income	257.35	248.16	249.79	189.95	193.84	164.44
Total Non-Interest Income	259.79	249.85	249.93	188.56	196.33	164.47
Non-Interest Income Growth (YoY)	0.19%	-0.03%	32.54%	-3.96%	19.37%	-13.94%
Revenues Before Loan Losses	389.71	376.33	372.43	372.9	381.79	331.29
Provision for Loan Losses	38.22	32.16	26.17	27.38	11.59	10.03
Revenue	351.5	344.17	346.26	345.52	370.2	321.27
Revenue Growth (YoY)	0.30%	-0.60%	0.21%	-6.67%	15.23%	-6.51%
Occupancy Expenses	22.23	21.09	19.58	17.9	17.07	17.49
Other Non-Interest Expense	244.94	239.04	237.84	232.16	229.29	219.74
Total Non-Interest Expense	267.18	260.13	257.42	250.06	246.36	237.23
EBT Excluding Unusual Items	84.32	84.04	88.84	95.47	123.84	84.04
Pretax Income	84.32	84.04	88.84	95.47	123.84	84.04
Income Tax Expense	4.82	5.35	11.13	13.73	27.96	26.48
Earnings From Continuing Operations	79.51	78.69	77.72	81.74	95.88	57.56
Minority Interest in Earnings	-0.01	-0.01	-0.01	0.01	-0	-0
Net Income	79.5	78.69	77.71	81.74	95.88	57.55
Net Income to Common	79.5	78.69	77.71	81.74	95.88	57.55
Net Income Growth	-4.68%	1.26%	-4.93%	-14.75%	66.60%	-33.07%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	0.02%	-0.08%	0.10%	-0.01%	-0.03%	-0.02%
EPS (Basic)	13.14	13.00	12.83	13.51	15.85	9.51
EPS (Diluted)	13.14	13.00	12.83	13.51	15.85	9.51
EPS Growth	-4.70%	1.34%	-5.03%	-14.74%	66.64%	-33.06%
Dividend Per Share	3.270	3.270	3.710	4.100	4.060	3.580
Dividend Growth	-11.86%	-11.86%	-9.51%	0.98%	13.41%	-20.80%
Effective Tax Rate	5.71%	6.36%	12.52%	14.38%	22.57%	31.51%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.