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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	580.64	582.88	525.14	382.39	310.44	301.92
Interest Income on Investments	5.88	6.28	5.39	1.93	-	-
Total Interest Income	586.51	589.16	530.52	384.33	310.44	301.92
Interest Paid on Deposits	237.51	230.92	193.3	119.69	88.42	100.36
Net Interest Income	349.01	358.24	337.22	264.63	222.02	201.56
Net Interest Income Growth (YoY)	-3.62%	6.23%	27.43%	19.19%	10.15%	3.61%
Gain (Loss) on Sale of Assets	0.09	0.34	-0.42	0.2	-0.1	-0.8
Gain (Loss) on Sale of Investments	0.01	-0	-0.36	-0.22	0	1.07
Other Non-Interest Income	89.86	87.4	78.46	78.79	65.06	53.11
Total Non-Interest Income	89.96	87.74	77.68	78.78	64.97	53.38
Non-Interest Income Growth (YoY)	10.34%	12.94%	-1.39%	21.26%	21.70%	-9.28%
Revenues Before Loan Losses	438.97	445.98	414.91	343.41	286.99	254.94
Provision for Loan Losses	-10.59	-5.15	15.51	104.57	6.49	28.6
Revenue	449.56	451.13	399.4	238.84	280.5	226.34
Revenue Growth (YoY)	6.29%	12.95%	67.23%	-14.85%	23.93%	-11.83%
Salaries and Employee Benefits	152.8	146.77	120.64	101.73	90.1	84.31
Selling, General & Administrative	135.85	132.08	108.14	100.5	77.71	76.56
Other Non-Interest Expense	24.51	23.92	18.2	15.2	13.06	10.56
Total Non-Interest Expense	313.16	302.77	246.98	217.43	180.86	171.43
EBT Excluding Unusual Items	136.4	148.36	152.42	21.41	99.64	54.91
Legal Settlements	-1.29	-1.68	-2.02	-1.65	-3.71	-1.84
Pretax Income	135.11	146.68	150.02	17.85	94.53	52.09
Income Tax Expense	41.37	42.37	36.64	1.35	14.89	10.69
Earnings From Continuing Operations	93.73	104.31	113.37	16.5	79.64	41.4
Net Income	93.73	104.31	113.37	16.5	79.64	41.4
Net Income to Common	93.73	104.31	113.37	16.5	79.64	41.4
Net Income Growth	-12.32%	-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)	0.00%	-	-	-	-	-
EPS (Basic)	1.59	1.77	1.92	0.28	1.35	0.70
EPS (Diluted)	1.59	1.77	1.92	0.28	1.35	0.70
EPS Growth	-12.33%	-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	30.62%	28.89%	24.43%	7.56%	15.75%	20.52%

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