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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	582.83	582.88	525.14	382.39	310.44	301.92
Interest Income on Investments	5.57	6.28	5.39	1.93	-	-
Total Interest Income	588.4	589.16	530.52	384.33	310.44	301.92
Interest Paid on Deposits	239.93	230.92	193.3	119.69	88.42	100.36
Net Interest Income	348.47	358.24	337.22	264.63	222.02	201.56
Net Interest Income Growth (YoY)	-4.04%	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	90.18	87.4	78.46	78.79	65.06	53.11
Total Non-Interest Income	90.53	87.74	77.68	78.78	64.97	53.38
Non-Interest Income Growth (YoY)	11.34%	12.94%	-1.39%	21.26%	21.70%	-9.28%
Revenues Before Loan Losses	438.99	445.98	414.91	343.41	286.99	254.94
Provision for Loan Losses	7.61	-5.15	15.51	104.57	6.49	28.6
Revenue	431.38	451.13	399.4	238.84	280.5	226.34
Revenue Growth (YoY)	-0.57%	12.95%	67.23%	-14.85%	23.93%	-11.83%
Salaries and Employee Benefits	157.21	146.77	120.64	101.73	90.1	84.31
Selling, General & Administrative	135.28	132.08	108.14	100.5	77.71	76.56
Other Non-Interest Expense	23.92	23.92	18.2	15.2	13.06	10.56
Total Non-Interest Expense	316.42	302.77	246.98	217.43	180.86	171.43
EBT Excluding Unusual Items	114.97	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	113.29	146.68	150.02	17.85	94.53	52.09
Income Tax Expense	35.57	42.37	36.64	1.35	14.89	10.69
Earnings From Continuing Operations	77.72	104.31	113.37	16.5	79.64	41.4
Net Income	77.72	104.31	113.37	16.5	79.64	41.4
Net Income to Common	77.72	104.31	113.37	16.5	79.64	41.4
Net Income Growth	-25.41%	-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)	-0.31%	-	-	-	-	-
EPS (Basic)	1.32	1.77	1.92	0.28	1.35	0.70
EPS (Diluted)	1.32	1.77	1.92	0.28	1.35	0.70
EPS Growth	-25.17%	-7.99%	587.23%	-79.29%	92.39%	-21.31%
Dividend Per Share	0.590	0.590	0.640	-	-	0.530
Dividend Growth	-7.81%	-7.81%	-	-	-	-
Effective Tax Rate	31.39%	28.89%	24.43%	7.56%	15.75%	20.52%

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