ProCredit Holding AG (ETR:PCZ)

ProCredit Holding AG Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	1,880	2,101	2,276	1,828	1,428	1,279
Investment Securities	665.85	599.23	391.57	241.95	225.62	196.92
Trading Asset Securities	6.31	6.66	8.08	12.73	1.34	0.51
Total Investments	672.16	605.89	399.66	254.67	226.96	197.43
Gross Loans	7,357	7,016	6,232	6,115	5,929	5,267
Allowance for Loan Losses	-180.03	-182.21	-197.33	-215.65	-131.45	-122.69
Net Loans	7,177	6,834	6,035	5,899	5,798	5,145
Property, Plant & Equipment	160.53	152.13	137.42	133.7	137.54	140.74
Goodwill	-	3.17	3.14	3.57	5.23	6.43
Other Intangible Assets	42.83	31.17	19.59	14.43	13.18	12.88
Investments in Real Estate	-	1.41	2.69	3.65	5.9	5.76
Other Receivables	22.55	19.71	15.78	16.54	13.65	16.04
Restricted Cash	739.24	960.64	821.75	642.3	565.8	504.49
Other Current Assets	-	24.36	19.48	15.41	13.75	13.17
Long-Term Deferred Tax Assets	6.08	11.55	12.2	10.71	1.75	1.63
Other Real Estate Owned & Foreclosed	-	6.06	5.88	3.77	6.27	7.53
Other Long-Term Assets	13.66	-0	-0	-	0	0
Total Assets	10,714	10,752	9,749	8,826	8,216	7,329
Accounts Payable	-	13.75	9.11	6.85	9.93	7.92
Accrued Expenses	8.42	16.06	11.77	10.08	8.72	8.74
Interest Bearing Deposits	4,983	4,955	4,208	3,473	2,964	2,772
Non-Interest Bearing Deposits	3,236	3,336	3,046	2,817	2,578	2,127
Total Deposits	8,219	8,291	7,254	6,290	5,542	4,899
Short-Term Borrowings	1.8	1.25	1.33	0.61	0.36	4.41
Current Portion of Long-Term Debt	-	372.78	435.66	479.79	516.65	467.62
Current Portion of Leases	-	5.62	4.15	5.35	5.59	5.21
Current Income Taxes Payable	4.64	22.81	23.51	2.03	3.61	1.58
Other Current Liabilities	-	4.24	3.93	-	-	-
Long-Term Debt	1,359	919.4	978.37	1,124	1,238	1,120
Long-Term Leases	-	26.43	22.52	19.04	14.41	17.56
Long-Term Unearned Revenue	-	-	-	-	3.04	3.38
Pension & Post-Retirement Benefits	3.74	4.12	2.41	2.33	1.76	1.28
Long-Term Deferred Tax Liabilities	1.25	1.29	1.45	1.89	0.64	0.97
Other Long-Term Liabilities	77.35	16.6	16.71	14.77	15	12.04
Total Liabilities	9,676	9,696	8,765	7,957	7,360	6,550
Common Stock	441.28	294.49	294.49	294.49	294.49	294.5
Retained Earnings	705.84	693.15	625.91	512.54	496.04	447.43
Comprehensive Income & Other	-109.2	68.26	63.39	62.4	65.78	37.8
Total Common Equity	1,038	1,056	983.79	869.43	856.31	779.73
Shareholders' Equity	1,038	1,056	983.79	869.43	856.31	779.73
Total Liabilities & Equity	10,714	10,752	9,749	8,826	8,216	7,329
Total Debt	1,361	1,325	1,442	1,629	1,775	1,615
Net Cash (Debt)	525.18	782.69	842.32	211.67	-345.04	-335.61
Net Cash Growth	-33.63%	-7.08%	297.94%	-	-	-
Net Cash Per Share	8.92	13.29	14.30	3.59	-5.86	-5.70
Filing Date Shares Outstanding	58.94	58.9	58.9	58.9	58.9	58.9
Total Common Shares Outstanding	58.94	58.9	58.9	58.9	58.9	58.9
Book Value Per Share	17.61	17.93	16.70	14.76	14.54	13.24
Tangible Book Value	995.09	1,022	961.06	851.44	837.9	760.41
Tangible Book Value Per Share	16.88	17.34	16.32	14.46	14.23	12.91

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.