Patria Bank SA (BVB:PBK)

Patria Bank Income Statement

Financials in millions RON. 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	356.51	332.22	315.47	249.17	174.04	170.51
Total Interest Income	356.51	332.22	315.47	249.17	174.04	170.51
Interest Paid on Deposits	161.37	158.39	170.89	100.41	49.53	49.82
Net Interest Income	195.14	173.83	144.59	148.76	124.51	120.68
Net Interest Income Growth (YoY)	32.72%	20.23%	-2.80%	19.47%	3.17%	-7.07%
Gain (Loss) on Sale of Assets	0.49	-0.28	0.14	-0.26	-0.14	0.32
Gain (Loss) on Sale of Investments	3.67	11.36	14.57	-3.87	14.33	4.63
Other Non-Interest Income	61.78	58.44	60.49	56.92	46.04	40.41
Total Non-Interest Income	65.7	69.63	73.8	60.11	62.55	44.83
Non-Interest Income Growth (YoY)	-20.29%	-5.65%	22.77%	-3.90%	39.53%	-2.22%
Revenues Before Loan Losses	260.84	243.46	218.39	208.87	187.06	165.51
Provision for Loan Losses	20.47	16.39	27.06	34.86	24.25	24.79
Revenue	240.37	227.07	191.33	174.01	162.82	140.72
Revenue Growth (YoY)	14.06%	18.68%	9.95%	6.88%	15.70%	-11.67%
Salaries and Employee Benefits	90.22	85.47	82.25	77.59	67.68	63.15
Occupancy Expenses	24.7	23.48	21.33	20.23	22.33	24.02
Selling, General & Administrative	56.2	57.26	50.76	51.63	49.79	43.72
Other Non-Interest Expense	12.24	11.7	3.23	3.53	3.45	3.62
Total Non-Interest Expense	183.37	177.9	157.57	152.97	143.24	134.52
EBT Excluding Unusual Items	57	49.17	33.76	21.04	19.58	6.2
Legal Settlements	0.27	0.15	0.29	2.3	-2.54	0.69
Pretax Income	57.27	49.32	34.05	23.35	17.05	6.89
Income Tax Expense	10.85	8.7	8.56	4.11	7.16	4
Earnings From Continuing Operations	46.42	40.62	25.49	19.23	9.89	2.89
Net Income	46.42	40.62	25.49	19.23	9.89	2.89
Net Income to Common	46.42	40.62	25.49	19.23	9.89	2.89
Net Income Growth	41.65%	59.40%	32.50%	94.54%	241.99%	-15.37%
Basic Shares Outstanding	3,279	3,279	3,279	3,267	3,115	3,115
Diluted Shares Outstanding	3,279	3,279	3,279	3,267	3,115	3,115
Shares Change (YoY)	-	-	0.36%	4.87%	-	-
EPS (Basic)	0.01	0.01	0.01	0.01	0.00	0.00
EPS (Diluted)	0.01	0.01	0.01	0.01	0.00	0.00
EPS Growth	41.66%	59.41%	32.02%	85.53%	242.29%	-15.42%
Effective Tax Rate	18.95%	17.63%	25.15%	17.61%	41.99%	58.06%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.