ProCredit Holding AG Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	600.54	589.61	582.88	525.14	382.39	310.44
Interest Income on Investments	5.26	5.34	6.28	5.39	1.93	-
Total Interest Income	605.8	594.96	589.16	530.52	384.33	310.44
Interest Paid on Deposits	245.5	241.97	230.92	193.3	119.69	88.42
Net Interest Income	360.3	352.99	358.24	337.22	264.63	222.02
Net Interest Income Growth (YoY)	2.03%	-1.47%	6.23%	27.43%	19.19%	10.15%
Gain (Loss) on Sale of Assets	-0.01	-0.01	0.34	-0.42	0.2	-0.1
Gain (Loss) on Sale of Investments	-0.09	-0.09	-0	-0.36	-0.22	0
Other Non-Interest Income	85.03	87.38	86.85	78.46	78.79	65.06
Total Non-Interest Income	84.94	87.28	87.19	77.68	78.78	64.97
Non-Interest Income Growth (YoY)	-6.37%	0.10%	12.24%	-1.39%	21.26%	21.70%
Revenues Before Loan Losses	445.24	440.27	445.43	414.91	343.41	286.99
Provision for Loan Losses	14.69	11.19	-5.15	15.51	104.57	6.49
Revenue	430.55	429.08	450.59	399.4	238.84	280.5
Revenue Growth (YoY)	-4.35%	-4.77%	12.82%	67.23%	-14.85%	23.93%
Salaries and Employee Benefits	162.44	159.54	146.77	120.64	101.73	90.1
Selling, General & Administrative	140.03	138.94	132.08	108.14	100.5	77.71
Other Non-Interest Expense	23.94	23.94	23.92	18.2	15.2	13.06
Total Non-Interest Expense	326.4	322.43	302.77	246.98	217.43	180.86
EBT Excluding Unusual Items	104.14	106.65	147.81	152.42	21.41	99.64
Legal Settlements	-1.01	-1.01	-1.13	-2.02	-1.65	-3.71
Pretax Income	103.14	105.65	146.68	150.02	17.85	94.53
Income Tax Expense	23.23	22.19	42.37	36.64	1.35	14.89
Earnings From Continuing Operations	79.91	83.45	104.31	113.37	16.5	79.64
Net Income	79.91	83.45	104.31	113.37	16.5	79.64
Net Income to Common	79.91	83.45	104.31	113.37	16.5	79.64
Net Income Growth	-16.74%	-19.99%	-7.99%	587.23%	-79.29%	92.39%
Basic Shares Outstanding	59	59	59	59	59	59
Diluted Shares Outstanding	59	59	59	59	59	59
Shares Change (YoY)	0.06%	-	-	-	-	-
EPS (Basic)	1.36	1.42	1.77	1.92	0.28	1.35
EPS (Diluted)	1.36	1.42	1.77	1.92	0.28	1.35
EPS Growth	-16.79%	-19.99%	-7.99%	587.23%	-79.29%	92.39%
Dividend Per Share	0.470	0.470	0.590	0.640	-	-
Dividend Growth	-20.34%	-20.34%	-7.81%	-	-	-
Effective Tax Rate	22.52%	21.01%	28.89%	24.43%	7.56%	15.75%