ProCredit Holding AG Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	1,953	2,101	2,276	1,828	1,428	1,279
Investment Securities	984.08	599.23	391.57	241.95	225.62	196.92
Trading Asset Securities	6.21	6.66	8.08	12.73	1.34	0.51
Total Investments	990.29	605.89	399.66	254.67	226.96	197.43
Gross Loans	8,016	7,016	6,232	6,115	5,929	5,267
Allowance for Loan Losses	-193.15	-182.21	-197.33	-215.65	-131.45	-122.69
Net Loans	7,823	6,834	6,035	5,899	5,798	5,145
Property, Plant & Equipment	160.06	152.13	137.42	133.7	137.54	140.74
Goodwill	-	3.17	3.14	3.57	5.23	6.43
Other Intangible Assets	44.92	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	27.23	19.71	15.78	16.54	13.65	16.04
Restricted Cash	-	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	5.91	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	61.47	-0	-0	-	0	0
Total Assets	11,065	10,752	9,749	8,826	8,216	7,329
Accounts Payable	-	13.75	9.11	6.85	9.93	7.92
Accrued Expenses	-	16.06	11.77	10.08	8.72	8.74
Interest Bearing Deposits	8,621	4,955	4,208	3,473	2,964	2,772
Non-Interest Bearing Deposits	-	3,336	3,046	2,817	2,578	2,127
Total Deposits	8,621	8,291	7,254	6,290	5,542	4,899
Short-Term Borrowings	1.02	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	4.29	22.81	23.51	2.03	3.61	1.58
Other Current Liabilities	-	4.24	3.93	-	-	-
Long-Term Debt	1,296	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	-	4.12	2.41	2.33	1.76	1.28
Long-Term Deferred Tax Liabilities	1.32	1.29	1.45	1.89	0.64	0.97
Other Long-Term Liabilities	89.78	16.6	16.71	14.77	15	12.04
Total Liabilities	10,013	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	717	693.15	625.91	512.54	496.04	447.43
Comprehensive Income & Other	-106.35	68.26	63.39	62.4	65.78	37.8
Total Common Equity	1,052	1,056	983.79	869.43	856.31	779.73
Shareholders' Equity	1,052	1,056	983.79	869.43	856.31	779.73
Total Liabilities & Equity	11,065	10,752	9,749	8,826	8,216	7,329
Total Debt	1,297	1,325	1,442	1,629	1,775	1,615
Net Cash (Debt)	661.58	782.69	842.32	211.67	-345.04	-335.61
Net Cash Growth	-13.92%	-7.08%	297.94%	-	-	-
Net Cash Per Share	11.25	13.29	14.30	3.59	-5.86	-5.70
Filing Date Shares Outstanding	58.79	58.9	58.9	58.9	58.9	58.9
Total Common Shares Outstanding	58.79	58.9	58.9	58.9	58.9	58.9
Book Value Per Share	17.89	17.93	16.70	14.76	14.54	13.24
Tangible Book Value	1,007	1,022	961.06	851.44	837.9	760.41
Tangible Book Value Per Share	17.13	17.34	16.32	14.46	14.23	12.91

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