Patria Bank SA (BVB: PBK)

Patria Bank Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	314.62	315.47	249.17	174.04	170.51	173.48
Total Interest Income	314.62	315.47	249.17	174.04	170.51	173.48
Interest Paid on Deposits	161.01	170.89	100.41	49.53	49.82	43.62
Net Interest Income	153.6	144.59	148.76	124.51	120.68	129.86
Net Interest Income Growth (YoY)	6.36%	-2.80%	19.47%	3.17%	-7.07%	11.57%
Gain (Loss) on Sale of Assets	0.21	0.14	-0.26	-0.14	0.32	0.64
Gain (Loss) on Sale of Investments	13.99	14.57	-3.87	14.33	4.63	6.06
Other Non-Interest Income	74.86	60.49	56.92	46.04	40.41	42.75
Total Non-Interest Income	88.46	73.8	60.11	62.55	44.83	45.85
Non-Interest Income Growth (YoY)	9.49%	22.77%	-3.89%	39.53%	-2.22%	-7.78%
Revenues Before Loan Losses	242.07	218.39	208.87	187.06	165.51	175.71
Provision for Loan Losses	15.25	27.06	34.86	24.25	24.79	16.4
Revenue	226.82	191.33	174.01	162.82	140.72	159.3
Revenue Growth (YoY)	19.77%	9.95%	6.88%	15.70%	-11.67%	-4.43%
Salaries and Employee Benefits	85.84	82.25	77.59	67.68	63.15	68.41
Occupancy Expenses	22.94	21.33	20.23	22.33	24.02	22.69
Selling, General & Administrative	55.88	50.76	51.63	49.79	43.72	53.27
Other Non-Interest Expense	9.83	3.23	3.53	3.45	3.62	5.54
Total Non-Interest Expense	174.49	157.57	152.97	143.24	134.52	149.91
EBT Excluding Unusual Items	52.33	33.76	21.04	19.58	6.2	9.39
Legal Settlements	-0.48	0.29	2.3	-2.54	0.69	0.31
Pretax Income	51.85	34.05	23.35	17.05	6.89	9.71
Income Tax Expense	12.65	8.56	4.11	7.16	4	6.29
Earnings From Continuing Operations	39.2	25.49	19.23	9.89	2.89	3.42
Net Income	39.2	25.49	19.23	9.89	2.89	3.42
Net Income to Common	39.2	25.49	19.23	9.89	2.89	3.42
Net Income Growth	68.77%	32.50%	94.54%	241.99%	-15.37%	-
Basic Shares Outstanding	3,279	3,279	3,267	3,115	3,115	3,115
Diluted Shares Outstanding	3,279	3,279	3,267	3,115	3,115	3,115
Shares Change (YoY)	-0.00%	0.36%	4.87%	-	-	37.98%
EPS (Basic)	0.01	0.01	0.01	0.00	0.00	0.00
EPS (Diluted)	0.01	0.01	0.01	0.00	0.00	0.00
EPS Growth	68.77%	32.02%	85.53%	242.29%	-15.42%	-
Effective Tax Rate	24.39%	25.15%	17.61%	41.99%	58.06%	64.81%

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