Patria Bank SA (BVB:PBK)

Patria Bank Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	330.2	315.47	249.17	174.04	170.51
Total Interest Income	330.2	315.47	249.17	174.04	170.51
Interest Paid on Deposits	158.39	170.89	100.41	49.53	49.82
Net Interest Income	171.81	144.59	148.76	124.51	120.68
Net Interest Income Growth (YoY)	18.83%	-2.80%	19.47%	3.17%	-7.07%
Gain (Loss) on Sale of Assets	0.17	0.14	-0.26	-0.14	0.32
Gain (Loss) on Sale of Investments	11.36	14.57	-3.87	14.33	4.63
Other Non-Interest Income	57.99	60.49	56.92	46.04	40.41
Total Non-Interest Income	69.63	73.8	60.11	62.55	44.83
Non-Interest Income Growth (YoY)	-5.65%	22.77%	-3.90%	39.53%	-2.22%
Revenues Before Loan Losses	241.44	218.39	208.87	187.06	165.51
Provision for Loan Losses	14.37	27.06	34.86	24.25	24.79
Revenue	227.07	191.33	174.01	162.82	140.72
Revenue Growth (YoY)	18.68%	9.95%	6.88%	15.70%	-11.67%
Salaries and Employee Benefits	85.47	82.25	77.59	67.68	63.15
Occupancy Expenses	23.48	21.33	20.23	22.33	24.02
Selling, General & Administrative	68.8	50.76	51.63	49.79	43.72
Other Non-Interest Expense	-	3.23	3.53	3.45	3.62
Total Non-Interest Expense	177.75	157.57	152.97	143.24	134.52
EBT Excluding Unusual Items	49.32	33.76	21.04	19.58	6.2
Legal Settlements	-	0.29	2.3	-2.54	0.69
Pretax Income	49.32	34.05	23.35	17.05	6.89
Income Tax Expense	8.7	8.56	4.11	7.16	4
Earnings From Continuing Operations	40.62	25.49	19.23	9.89	2.89
Net Income	40.62	25.49	19.23	9.89	2.89
Net Income to Common	40.62	25.49	19.23	9.89	2.89
Net Income Growth	59.40%	32.50%	94.54%	241.99%	-15.37%
Basic Shares Outstanding	3,279	3,279	3,267	3,115	3,115
Diluted Shares Outstanding	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	0.00	0.00
EPS (Diluted)	0.01	0.01	0.01	0.00	0.00
EPS Growth	59.41%	32.02%	85.53%	242.29%	-15.42%
Effective Tax Rate	17.63%	25.15%	17.61%	41.99%	58.06%

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