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	Jun '26 Jun 30, 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	618.11	589.61	582.88	525.14	382.39	310.44
Interest Income on Investments	5	5.34	6.28	5.39	1.93	-
Total Interest Income	623.11	594.96	589.16	530.52	384.33	310.44
Interest Paid on Deposits	250.18	241.97	230.92	193.3	119.69	88.42
Net Interest Income	372.93	352.99	358.24	337.22	264.63	222.02
Net Interest Income Growth	6.86%	-1.47%	6.23%	27.43%	19.19%	10.15%
Gain (Loss) on Sale of Assets	0.04	-0.01	0.34	-0.42	0.2	-0.1
Gain (Loss) on Sale of Investments	-0.14	-0.09	-0	-0.36	-0.22	0
Other Non-Interest Income	81.42	87.38	86.85	78.46	78.79	65.06
Total Non-Interest Income	81.32	87.28	87.19	77.68	78.78	64.97
Non-Interest Income Growth	-8.78%	0.10%	12.24%	-1.39%	21.26%	21.70%
Revenues Before Loan Losses	454.25	440.27	445.43	414.91	343.41	286.99
Provision for Loan Losses	19.9	11.19	-5.15	15.51	104.57	6.49
Revenue	434.35	429.08	450.59	399.4	238.84	280.5
Revenue Growth	-3.21%	-4.77%	12.82%	67.23%	-14.85%	23.93%
Salaries and Employee Benefits	167.18	159.54	146.77	120.64	101.73	90.1
Selling, General & Administrative	141.41	138.94	132.08	108.14	100.5	77.71
Other Non-Interest Expense	24.41	23.94	23.92	18.2	15.2	13.06
Total Non-Interest Expense	333.01	322.43	302.77	246.98	217.43	180.86
EBT Excluding Unusual Items	101.35	106.65	147.81	152.42	21.41	99.64
Legal Settlements	-0.9	-1.01	-1.13	-2.02	-1.65	-3.71
Pretax Income	100.45	105.65	146.68	150.02	17.85	94.53
Income Tax Expense	25.55	22.19	42.37	36.64	1.35	14.89
Earnings From Continuing Operations	74.9	83.45	104.31	113.37	16.5	79.64
Net Income	74.9	83.45	104.31	113.37	16.5	79.64
Net Income to Common	74.9	83.45	104.31	113.37	16.5	79.64
Net Income Growth	-20.09%	-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	-0.10%	-	-	-	-	-
EPS (Basic)	1.27	1.42	1.77	1.92	0.28	1.35
EPS (Diluted)	1.27	1.42	1.77	1.92	0.28	1.35
EPS Growth	-20.01%	-19.99%	-7.99%	587.23%	-79.29%	92.39%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	0.470	0.470	0.590	0.640	-	-
Dividend Growth	-20.34%	-20.34%	-7.81%	20.76%	-	-
Effective Tax Rate	25.44%	21.01%	28.89%	24.43%	7.56%	15.75%