ProCredit Holding AG (FRA:PCZ)

ProCredit Holding AG Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	582.88	525.14	382.39	310.44	301.92
Interest Income on Investments	-	6.28	5.39	1.93	-	-
Total Interest Income	-	589.16	530.52	384.33	310.44	301.92
Interest Paid on Deposits	-	230.92	193.3	119.69	88.42	100.36
Net Interest Income	353.14	358.24	337.22	264.63	222.02	201.56
Net Interest Income Growth (YoY)	0.36%	6.23%	27.43%	19.19%	10.15%	3.61%
Gain (Loss) on Sale of Assets	0.34	0.34	-0.42	0.2	-0.1	-0.8
Gain (Loss) on Sale of Investments	-0	-0	-0.36	-0.22	0	1.07
Other Non-Interest Income	91	87.4	78.46	78.79	65.06	53.11
Total Non-Interest Income	91.34	87.74	77.68	78.78	64.97	53.38
Non-Interest Income Growth (YoY)	19.43%	12.94%	-1.39%	21.26%	21.70%	-9.28%
Revenues Before Loan Losses	444.48	445.98	414.91	343.41	286.99	254.94
Provision for Loan Losses	-6.25	-5.15	15.51	104.57	6.49	28.6
Revenue	450.73	451.13	399.4	238.84	280.5	226.34
Revenue Growth (YoY)	8.76%	12.95%	67.23%	-14.85%	23.93%	-11.83%
Salaries and Employee Benefits	152.67	146.77	120.64	101.73	90.1	84.31
Selling, General & Administrative	134.88	132.08	108.14	100.5	77.71	76.56
Other Non-Interest Expense	23.82	23.92	18.2	15.2	13.06	10.56
Total Non-Interest Expense	311.37	302.77	246.98	217.43	180.86	171.43
EBT Excluding Unusual Items	139.36	148.36	152.42	21.41	99.64	54.91
Legal Settlements	-1.68	-1.68	-2.02	-1.65	-3.71	-1.84
Pretax Income	137.68	146.68	150.02	17.85	94.53	52.09
Income Tax Expense	41.67	42.37	36.64	1.35	14.89	10.69
Earnings From Continuing Operations	96.01	104.31	113.37	16.5	79.64	41.4
Net Income	96.01	104.31	113.37	16.5	79.64	41.4
Net Income to Common	96.01	104.31	113.37	16.5	79.64	41.4
Net Income Growth	-18.25%	-7.99%	587.23%	-79.29%	92.39%	-21.31%
Basic Shares Outstanding	59	59	59	59	59	59
Diluted Shares Outstanding	59	59	59	59	59	59
Shares Change (YoY)	0.04%	-	-	-	-	-
EPS (Basic)	1.63	1.77	1.92	0.28	1.35	0.70
EPS (Diluted)	1.63	1.77	1.92	0.28	1.35	0.70
EPS Growth	-18.28%	-7.99%	587.23%	-79.29%	92.39%	-21.31%
Dividend Per Share	-	0.590	0.640	-	-	0.530
Dividend Growth	-	-7.81%	-	-	-	-
Effective Tax Rate	30.27%	28.89%	24.43%	7.56%	15.75%	20.52%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.