UKR:UGZB Balance Sheet

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

Millions UAH. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	54,049	57,918	67,277	49,749	35,410	30,242
Investment Securities	63,683	52,005	44,245	47,303	4,626	26,307
Trading Asset Securities	0.32	0.47	1.83	2.93	15.07	0.51
Mortgage-Backed Securities	1,358	1,395	1,268	1,193	1,354	1,656
Total Investments	65,041	53,400	45,515	48,498	5,995	27,964
Gross Loans	113,630	105,173	80,071	75,947	77,841	62,129
Allowance for Loan Losses	-14,103	-13,721	-12,398	-12,533	-12,934	-5,883
Other Adjustments to Gross Loans	-	-5.04	-23.99	-80.41	-147.5	-355.68
Net Loans	99,527	91,448	67,649	63,333	64,759	55,890
Property, Plant & Equipment	1,171	1,162	1,135	1,193	1,272	1,320
Other Intangible Assets	124.21	156.94	193.38	171.43	128.23	122.43
Investments in Real Estate	350.63	412.55	346.36	154.27	156.37	153.96
Accrued Interest Receivable	-	218.42	129.9	118.88	143.54	113.36
Other Receivables	-	2,106	1,002	3,064	4,700	4,514
Other Current Assets	-	1,593	1,080	1,559	988.81	529.25
Long-Term Deferred Tax Assets	276.88	434.81	230.53	54.45	30.14	32.25
Other Real Estate Owned & Foreclosed	-	2.45	66.28	285.26	337.06	385.35
Other Long-Term Assets	1,219	6,332	14,276	7,686	17,726	2,005
Total Assets	221,758	215,186	198,901	175,867	131,646	123,272
Accrued Expenses	-	1,028	1,107	602.43	464.61	300.02
Interest Bearing Deposits	76,874	72,837	56,615	49,540	45,174	37,503
Non-Interest Bearing Deposits	119,491	119,553	121,849	112,772	75,586	66,198
Total Deposits	196,365	192,390	178,464	162,312	120,760	103,701
Short-Term Borrowings	45.72	30.79	1.29	20.38	0.74	72.35
Current Portion of Long-Term Debt	-	8.77	134.89	196.24	973.13	3,700
Current Portion of Leases	-	-	-	-	-	16.99
Current Income Taxes Payable	735.24	-	917.25	-	-	444.77
Other Current Liabilities	-	299.99	605.95	853.07	961.59	472.89
Long-Term Debt	8.83	-	-	-	998.96	1,341
Long-Term Leases	-	303.72	116.1	133.06	163.51	228.38
Long-Term Unearned Revenue	-	50.72	52.1	-	48.35	32.34
Other Long-Term Liabilities	3,040	655.18	1,293	461.31	359.05	1,331
Total Liabilities	200,194	194,767	182,691	164,622	124,730	111,641
Preferred Stock, Non-Redeemable	0.48	0.48	0.48	0.48	0.48	0.48
Total Preferred Equity	0.48	0.48	0.48	0.48	0.48	0.48
Common Stock	13,837	13,837	13,837	13,837	13,837	13,837
Additional Paid-In Capital	135.94	135.94	135.94	135.94	135.94	135.94
Retained Earnings	5,095	4,589	-303.66	-3,737	-5,674	-1,821
Treasury Stock	-518.44	-518.44	-518.44	-518.44	-518.44	-518.44
Comprehensive Income & Other	3,015	2,375	3,059	1,528	-864.44	-2.19
Total Common Equity	21,564	20,418	16,209	11,245	6,916	11,630
Shareholders' Equity	21,564	20,419	16,210	11,246	6,916	11,631
Total Liabilities & Equity	221,758	215,186	198,901	175,867	131,646	123,272
Total Debt	54.54	343.27	252.28	349.68	2,136	5,359
Net Cash (Debt)	56,018	59,757	67,323	58,722	33,703	28,384
Net Cash Growth	-27.70%	-11.24%	14.65%	74.23%	18.74%	-9.87%
Net Cash Per Share	4.05	4.32	4.87	4.41	2.53	2.13
Filing Date Shares Outstanding	13,318	13,318	13,318	13,318	13,318	13,318
Total Common Shares Outstanding	13,318	13,318	13,318	13,318	13,318	13,318
Book Value Per Share	1.62	1.53	1.22	0.84	0.52	0.87
Tangible Book Value	21,440	20,262	16,016	11,074	6,787	11,508
Tangible Book Value Per Share	1.61	1.52	1.20	0.83	0.51	0.86