ProCredit Holding AG (ETR:PCZ)

ProCredit Holding AG Income Statement

Financials in millions EUR. 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	582.88	525.14	382.39	310.44	301.92
Interest Income on Investments	6.28	5.39	1.93	-	-
Total Interest Income	589.16	530.52	384.33	310.44	301.92
Interest Paid on Deposits	230.92	193.3	119.69	88.42	100.36
Net Interest Income	358.24	337.22	264.63	222.02	201.56
Net Interest Income Growth (YoY)	6.23%	27.43%	19.19%	10.15%	3.61%
Gain (Loss) on Sale of Assets	0.34	-0.42	0.2	-0.1	-0.8
Gain (Loss) on Sale of Investments	-0	-0.36	-0.22	0	1.07
Other Non-Interest Income	87.4	78.46	78.79	65.06	53.11
Total Non-Interest Income	87.74	77.68	78.78	64.97	53.38
Non-Interest Income Growth (YoY)	12.94%	-1.39%	21.26%	21.70%	-9.28%
Revenues Before Loan Losses	445.98	414.91	343.41	286.99	254.94
Provision for Loan Losses	-5.15	15.51	104.57	6.49	28.6
Revenue	451.13	399.4	238.84	280.5	226.34
Revenue Growth (YoY)	12.95%	67.23%	-14.85%	23.93%	-11.83%
Salaries and Employee Benefits	146.77	120.64	101.73	90.1	84.31
Selling, General & Administrative	132.08	108.14	100.5	77.71	76.56
Other Non-Interest Expense	23.92	18.2	15.2	13.06	10.56
Total Non-Interest Expense	302.77	246.98	217.43	180.86	171.43
EBT Excluding Unusual Items	148.36	152.42	21.41	99.64	54.91
Legal Settlements	-1.68	-2.02	-1.65	-3.71	-1.84
Pretax Income	146.68	150.02	17.85	94.53	52.09
Income Tax Expense	42.37	36.64	1.35	14.89	10.69
Earnings From Continuing Operations	104.31	113.37	16.5	79.64	41.4
Net Income	104.31	113.37	16.5	79.64	41.4
Net Income to Common	104.31	113.37	16.5	79.64	41.4
Net Income Growth	-7.99%	587.23%	-79.29%	92.39%	-21.31%
Basic Shares Outstanding	59	59	59	59	59
Diluted Shares Outstanding	59	59	59	59	59
EPS (Basic)	1.77	1.92	0.28	1.35	0.70
EPS (Diluted)	1.77	1.92	0.28	1.35	0.70
EPS Growth	-7.99%	587.23%	-79.29%	92.39%	-21.31%
Dividend Per Share	0.590	0.640	-	-	0.530
Dividend Growth	-7.81%	-	-	-	-
Effective Tax Rate	28.89%	24.43%	7.56%	15.75%	20.52%

Updated Nov 19, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.