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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	340.77	332.22	315.47	249.17	174.04	170.51
Total Interest Income	340.77	332.22	315.47	249.17	174.04	170.51
Interest Paid on Deposits	157.98	158.39	170.89	100.41	49.53	49.82
Net Interest Income	182.79	173.83	144.59	148.76	124.51	120.68
Net Interest Income Growth (YoY)	25.47%	20.23%	-2.80%	19.47%	3.17%	-7.07%
Gain (Loss) on Sale of Assets	-0.28	-0.28	0.14	-0.26	-0.14	0.32
Gain (Loss) on Sale of Investments	6.16	11.36	14.57	-3.87	14.33	4.63
Other Non-Interest Income	61.57	58.44	60.49	56.92	46.04	40.41
Total Non-Interest Income	67.57	69.63	73.8	60.11	62.55	44.83
Non-Interest Income Growth (YoY)	-16.13%	-5.65%	22.77%	-3.90%	39.53%	-2.22%
Revenues Before Loan Losses	250.36	243.46	218.39	208.87	187.06	165.51
Provision for Loan Losses	17.79	16.39	27.06	34.86	24.25	24.79
Revenue	232.57	227.07	191.33	174.01	162.82	140.72
Revenue Growth (YoY)	15.49%	18.68%	9.95%	6.88%	15.70%	-11.67%
Salaries and Employee Benefits	86.23	85.47	82.25	77.59	67.68	63.15
Occupancy Expenses	24.04	23.48	21.33	20.23	22.33	24.02
Selling, General & Administrative	57.68	57.26	50.76	51.63	49.79	43.72
Other Non-Interest Expense	11.7	11.7	3.23	3.53	3.45	3.62
Total Non-Interest Expense	179.65	177.9	157.57	152.97	143.24	134.52
EBT Excluding Unusual Items	52.93	49.17	33.76	21.04	19.58	6.2
Legal Settlements	0.15	0.15	0.29	2.3	-2.54	0.69
Pretax Income	53.08	49.32	34.05	23.35	17.05	6.89
Income Tax Expense	10.31	8.7	8.56	4.11	7.16	4
Earnings From Continuing Operations	42.77	40.62	25.49	19.23	9.89	2.89
Net Income	42.77	40.62	25.49	19.23	9.89	2.89
Net Income to Common	42.77	40.62	25.49	19.23	9.89	2.89
Net Income Growth	39.71%	59.40%	32.50%	94.54%	241.99%	-15.37%
Basic Shares Outstanding	3,269	3,279	3,279	3,267	3,115	3,115
Diluted Shares Outstanding	3,269	3,279	3,279	3,267	3,115	3,115
Shares Change (YoY)	-0.41%	-	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	40.28%	59.41%	32.02%	85.53%	242.29%	-15.42%
Effective Tax Rate	19.42%	17.63%	25.15%	17.61%	41.99%	58.06%

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