Permanent TSB Group Holdings plc (ISE:PTSB)

ISE:PTSB Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	870	766	417	354	382
Interest Income on Investments	29	12	-	-	-
Total Interest Income	899	778	417	354	382
Interest Paid on Deposits	287	158	55	41	41
Net Interest Income	612	620	362	313	341
Net Interest Income Growth (YoY)	-1.29%	71.27%	15.65%	-8.21%	-4.21%
Income From Trading Activities	2	3	3	2	1
Other Non-Interest Income	58	45	48	46	33
Total Non-Interest Income	60	48	51	48	34
Non-Interest Income Growth (YoY)	25.00%	-5.88%	6.25%	41.18%	-40.35%
Revenues Before Loan Losses	672	668	413	361	375
Provision for Loan Losses	-30	56	7	-1	155
Revenue	702	612	406	362	220
Revenue Growth (YoY)	14.71%	50.74%	12.16%	64.55%	-45.41%
Occupancy Expenses	29	27	21	21	21
Amortization of Goodwill & Intangibles	62	40	31	26	15
Selling, General & Administrative	410	375	298	248	243
Other Non-Interest Expense	33	60	51	50	49
Total Non-Interest Expense	534	533	493	373	328
EBT Excluding Unusual Items	168	79	-87	-11	-108
Asset Writedown	-	-	1	-	-1
Legal Settlements	-9	-3	-4	-15	-
Other Unusual Items	2	5	370	19	-26
Pretax Income	159	79	267	-21	-166
Income Tax Expense	-3	11	44	-1	-4
Net Income	162	68	223	-20	-162
Preferred Dividends & Other Adjustments	43	43	10	21	11
Net Income to Common	119	25	213	-41	-173
Net Income Growth	138.23%	-69.51%	-	-	-
Basic Shares Outstanding	4,407	556	468	455	455
Diluted Shares Outstanding	4,407	556	468	455	455
Shares Change (YoY)	693.33%	18.61%	3.01%	-	-
EPS (Basic)	0.03	0.04	0.45	-0.09	-0.38
EPS (Diluted)	0.03	0.04	0.45	-0.09	-0.38
EPS Growth	-40.00%	-90.09%	-	-	-
Effective Tax Rate	-	13.92%	16.48%	-	-

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