ProCredit Holding AG (ETR:PCZ)

ProCredit Holding AG Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	589.61	582.88	525.14	382.39	310.44
Interest Income on Investments	5.34	6.28	5.39	1.93	-
Total Interest Income	594.96	589.16	530.52	384.33	310.44
Interest Paid on Deposits	241.97	230.92	193.3	119.69	88.42
Net Interest Income	352.99	358.24	337.22	264.63	222.02
Net Interest Income Growth (YoY)	-1.47%	6.23%	27.43%	19.19%	10.15%
Gain (Loss) on Sale of Assets	-0.01	0.34	-0.42	0.2	-0.1
Gain (Loss) on Sale of Investments	-0.09	-0	-0.36	-0.22	0
Other Non-Interest Income	87.38	86.85	78.46	78.79	65.06
Total Non-Interest Income	87.28	87.19	77.68	78.78	64.97
Non-Interest Income Growth (YoY)	0.10%	12.24%	-1.39%	21.26%	21.70%
Revenues Before Loan Losses	440.27	445.43	414.91	343.41	286.99
Provision for Loan Losses	11.19	-5.15	15.51	104.57	6.49
Revenue	429.08	450.59	399.4	238.84	280.5
Revenue Growth (YoY)	-4.77%	12.82%	67.23%	-14.85%	23.93%
Salaries and Employee Benefits	159.54	146.77	120.64	101.73	90.1
Selling, General & Administrative	138.94	132.08	108.14	100.5	77.71
Other Non-Interest Expense	23.94	23.92	18.2	15.2	13.06
Total Non-Interest Expense	322.43	302.77	246.98	217.43	180.86
EBT Excluding Unusual Items	106.65	147.81	152.42	21.41	99.64
Legal Settlements	-1.01	-1.13	-2.02	-1.65	-3.71
Pretax Income	105.65	146.68	150.02	17.85	94.53
Income Tax Expense	22.19	42.37	36.64	1.35	14.89
Earnings From Continuing Operations	83.45	104.31	113.37	16.5	79.64
Net Income	83.45	104.31	113.37	16.5	79.64
Net Income to Common	83.45	104.31	113.37	16.5	79.64
Net Income Growth	-19.99%	-7.99%	587.23%	-79.29%	92.39%
Basic Shares Outstanding	59	59	59	59	59
Diluted Shares Outstanding	59	59	59	59	59
EPS (Basic)	1.42	1.77	1.92	0.28	1.35
EPS (Diluted)	1.42	1.77	1.92	0.28	1.35
EPS Growth	-19.99%	-7.99%	587.23%	-79.29%	92.39%
Dividend Per Share	0.470	0.590	0.640	-	-
Dividend Growth	-20.34%	-7.81%	-	-	-
Effective Tax Rate	21.01%	28.89%	24.43%	7.56%	15.75%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.