Permanent TSB Group Holdings plc (ISE: PTSB)

PTSB Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	852	766	417	354	382	413
Interest Income on Investments	28	12	-	-	-	-
Total Interest Income	880	778	417	354	382	413
Interest Paid on Deposits	247	158	55	41	41	57
Net Interest Income	633	620	362	313	341	356
Net Interest Income Growth (YoY)	25.35%	71.27%	15.65%	-8.21%	-4.21%	-6.07%
Income From Trading Activities	2	3	3	2	1	3
Other Non-Interest Income	46	45	48	46	33	54
Total Non-Interest Income	48	48	51	48	34	57
Non-Interest Income Growth (YoY)	-9.43%	-5.88%	6.25%	41.18%	-40.35%	-9.52%
Revenues Before Loan Losses	681	668	413	361	375	413
Provision for Loan Losses	3	56	7	-1	155	10
Revenue	678	612	406	362	220	403
Revenue Growth (YoY)	34.79%	50.74%	12.15%	64.55%	-45.41%	-5.18%
Occupancy Expenses	28	27	21	21	21	21
Amortization of Goodwill & Intangibles	46	40	31	26	15	12
Selling, General & Administrative	410	376	298	248	243	252
Other Non-Interest Expense	65	60	51	50	49	47
Total Non-Interest Expense	580	534	493	373	328	332
EBT Excluding Unusual Items	98	78	-87	-11	-108	71
Asset Writedown	-	-	1	-	-1	-
Legal Settlements	-4	-2	-4	-15	-	-
Other Unusual Items	34	5	370	19	-26	-16
Pretax Income	128	79	267	-21	-166	42
Income Tax Expense	22	11	44	-1	-4	12
Net Income	106	68	223	-20	-162	30
Preferred Dividends & Other Adjustments	43	43	10	21	11	11
Net Income to Common	63	25	213	-41	-173	19
Net Income Growth	-62.54%	-69.51%	-	-	-	900.00%
Basic Shares Outstanding	546	546	468	455	455	455
Diluted Shares Outstanding	546	546	468	455	455	455
Shares Change (YoY)	6.18%	16.48%	3.01%	-	-	-
EPS (Basic)	0.12	0.05	0.45	-0.09	-0.38	0.04
EPS (Diluted)	0.11	0.04	0.45	-0.09	-0.38	0.04
EPS Growth	-77.16%	-90.09%	-	-	-	-
Effective Tax Rate	17.19%	13.92%	16.48%	-	-	28.57%

Source: S&P Capital IQ. Banks template. Financial Sources.