Banco Patagonia S.A. (BCBA:BPAT)

Banco Patagonia Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,523,697	2,506,308	4,060,023	1,060,180	232,939	103,385
Total Interest Income	1,523,697	2,506,308	4,060,023	1,060,180	232,939	103,385
Interest Paid on Deposits	815,181	1,100,063	2,596,112	595,478	126,158	40,459
Total Interest Expense	815,181	1,100,063	2,596,112	595,478	126,158	40,459
Net Interest Income	708,515	1,406,245	1,463,911	464,702	106,781	62,926
Net Interest Income Growth (YoY)	-63.81%	-3.94%	215.02%	335.19%	69.69%	22.51%
Gain (Loss) on Sale of Assets	393.32	393.32	884.9	867.23	95.18	280.09
Other Non-Interest Income	199,268	224,830	507,836	138,919	36,183	18,450
Total Non-Interest Income	199,661	225,224	508,721	139,786	36,279	18,730
Non-Interest Income Growth (YoY)	-57.59%	-55.73%	263.93%	285.31%	93.70%	-1.56%
Revenues Before Loan Losses	908,176	1,631,469	1,972,631	604,488	143,060	81,656
Provision for Loan Losses	61,859	23,718	13,784	17,167	1,969	1,955
Revenue	846,317	1,607,751	1,958,847	587,321	141,091	79,701
Revenue Growth (YoY)	-64.81%	-17.92%	233.52%	316.27%	77.03%	23.54%
Salaries and Employee Benefits	193,257	214,530	248,010	105,846	34,180	17,419
Occupancy Expenses	43,657	43,592	24,012	11,585	3,817	1,919
Selling, General & Administrative	105,772	107,942	109,218	48,112	17,285	9,101
Other Non-Interest Expense	398,348	944,992	1,303,759	321,826	66,616	23,455
Total Non-Interest Expense	730,408	1,307,135	1,685,917	488,132	121,799	51,638
EBT Excluding Unusual Items	115,908	300,616	272,930	99,189	19,292	28,063
Asset Writedown	4,366	9,978	36,455	-731.19	1,540	-4,454
Pretax Income	120,274	310,594	309,385	98,458	20,832	23,609
Income Tax Expense	45,092	103,309	125,780	40,657	7,027	7,861
Earnings From Continuing Operations	75,183	207,285	183,605	57,801	13,806	15,749
Minority Interest in Earnings	-246.15	-	-	-	-	-
Net Income	74,937	207,285	183,605	57,801	13,806	15,749
Net Income to Common	74,937	207,285	183,605	57,801	13,806	15,749
Net Income Growth	-72.69%	12.90%	217.65%	318.68%	-12.34%	3.39%
Basic Shares Outstanding	719	719	719	719	719	719
Diluted Shares Outstanding	719	719	719	719	719	719
EPS (Basic)	104.20	288.24	255.31	80.37	19.20	21.90
EPS (Diluted)	104.20	288.24	255.31	80.37	19.20	21.90
EPS Growth	-72.69%	12.90%	217.65%	318.68%	-12.34%	3.39%
Dividend Per Share	-	-	-	-	4.081	-
Effective Tax Rate	37.49%	33.26%	40.66%	41.29%	33.73%	33.30%

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