ProCredit Holding AG (ETR: PCZ)

ProCredit Holding AG Income Statement

Financials in millions EUR. 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	581.18	525.14	382.39	310.44	301.92	304.95
Interest Income on Investments	6.35	5.39	1.93	-	-	-
Total Interest Income	587.54	530.52	384.33	310.44	301.92	304.95
Interest Paid on Deposits	224.41	193.3	119.69	88.42	100.36	110.42
Net Interest Income	363.13	337.22	264.63	222.02	201.56	194.53
Net Interest Income Growth (YoY)	14.47%	27.43%	19.19%	10.15%	3.61%	4.46%
Gain (Loss) on Sale of Assets	-0.42	-0.42	0.2	-0.1	-0.8	-1.35
Gain (Loss) on Sale of Investments	-0.03	-0.36	-0.22	0	1.07	0.45
Other Non-Interest Income	81.75	78.46	78.79	65.06	53.11	59.74
Total Non-Interest Income	81.31	77.68	78.78	64.97	53.38	58.84
Non-Interest Income Growth (YoY)	0.77%	-1.38%	21.26%	21.70%	-9.28%	7.79%
Revenues Before Loan Losses	444.44	414.91	343.41	286.99	254.94	253.38
Provision for Loan Losses	10.58	15.51	104.57	6.49	28.6	-3.33
Revenue	433.86	399.4	238.84	280.5	226.34	256.7
Revenue Growth (YoY)	19.37%	67.23%	-14.85%	23.93%	-11.83%	4.55%
Salaries and Employee Benefits	139.26	120.64	101.73	90.1	84.31	80.19
Selling, General & Administrative	129.78	108.14	100.5	77.71	76.56	86.45
Other Non-Interest Expense	18.2	18.2	15.2	13.06	10.56	9.1
Total Non-Interest Expense	287.23	246.98	217.43	180.86	171.43	175.74
EBT Excluding Unusual Items	146.62	152.42	21.41	99.64	54.91	80.96
Legal Settlements	-2.02	-2.02	-1.65	-3.71	-1.84	-2.1
Pretax Income	144.22	150.02	17.85	94.53	52.09	76.87
Income Tax Expense	40.02	36.64	1.35	14.89	10.69	15.34
Earnings From Continuing Operations	104.2	113.37	16.5	79.64	41.4	61.52
Earnings From Discontinued Operations	-	-	-	-	-	-7.22
Minority Interest in Earnings	-	-	-	-	-	-1.7
Net Income	104.2	113.37	16.5	79.64	41.4	52.61
Net Income to Common	104.2	113.37	16.5	79.64	41.4	52.61
Net Income Growth	11.91%	587.23%	-79.29%	92.39%	-21.31%	-0.34%
Basic Shares Outstanding	59	59	59	59	59	59
Diluted Shares Outstanding	59	59	59	59	59	59
Shares Change (YoY)	1.58%	-	-	-	-	0.76%
EPS (Basic)	1.77	1.92	0.28	1.35	0.70	0.89
EPS (Diluted)	1.77	1.92	0.28	1.35	0.70	0.89
EPS Growth	10.16%	587.23%	-79.29%	92.39%	-21.31%	-1.10%
Dividend Per Share	0.640	0.640	-	-	0.530	-
Effective Tax Rate	27.75%	24.43%	7.56%	15.75%	20.52%	19.96%

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