SAN FRANCISCO — Providian Financial Corp. said Thursday that its net income grew 24% in the second quarter.

The credit card monoline racked up $232.4 million, or 79 cents per diluted share, versus $187.6 million, or 64 cents a share, in the second quarter of 2000, before one-time adjustments.

Customer accounts rose 27% from a year earlier, to 17.7 million, driven by new accounts and continued strong customer retention, the company said. Managed credit card loans rose 39%, to $30.5 billion.

“We are pleased with our continued growth and strengthening of our consumer franchise, which enables us to deliver consistent returns to our shareholders,” said Shailesh Mehta, chairman and chief executive officer.

Total managed revenue, made up of managed net interest income and noninterest income, climbed 29%, to $1.76 billion, before one-time adjustments. Managed net interest income rose 40%, to $962.2 million, and managed noninterest income 18%, to $802.4 million, before the adjustments. The managed net interest margin on loans rose to 13.13%, from 12.77% in this year’s first quarter.

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