UKR:UGZB Balance Sheet

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

Millions UAH. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	47,096	67,277	49,749	35,410	30,242	28,546
Investment Securities	54,066	44,245	47,303	4,626	26,307	54,427
Trading Asset Securities	0.2	1.83	2.93	15.07	0.51	5.19
Mortgage-Backed Securities	1,315	1,268	1,193	1,354	1,656	1,849
Total Investments	55,382	45,515	48,498	5,995	27,964	56,281
Gross Loans	96,367	80,071	75,947	77,841	62,129	55,530
Allowance for Loan Losses	-13,296	-12,398	-12,533	-12,934	-5,883	-7,545
Other Adjustments to Gross Loans	-	-23.99	-80.41	-147.5	-355.68	-467.49
Net Loans	83,071	67,649	63,333	64,759	55,890	47,518
Property, Plant & Equipment	1,261	1,135	1,193	1,272	1,320	1,409
Other Intangible Assets	-	193.38	171.43	128.23	122.43	96.43
Investments in Real Estate	348.17	346.36	154.27	156.37	153.96	149.26
Accrued Interest Receivable	-	129.9	118.88	143.54	113.36	-
Other Receivables	-	1,002	3,064	4,700	4,514	208.82
Restricted Cash	-	-	-	-	-	6,798
Other Current Assets	-	1,080	1,559	988.81	529.25	237.19
Long-Term Deferred Tax Assets	35.09	230.53	54.45	30.14	32.25	-
Other Real Estate Owned & Foreclosed	-	66.28	285.26	337.06	385.35	770.25
Other Long-Term Assets	1,852	14,276	7,686	17,726	2,005	688.98
Total Assets	189,044	198,901	175,867	131,646	123,272	142,703
Accrued Expenses	-	1,107	602.43	464.61	300.02	281.36
Interest Bearing Deposits	61,323	56,615	49,540	45,174	37,503	60,447
Non-Interest Bearing Deposits	105,592	121,849	112,772	75,586	66,198	71,651
Total Deposits	166,915	178,464	162,312	120,760	103,701	132,098
Short-Term Borrowings	0.35	1.29	20.38	0.74	72.35	227.65
Current Portion of Long-Term Debt	8.74	134.89	196.24	973.13	3,700	-
Current Portion of Leases	-	-	-	-	16.99	12.37
Current Income Taxes Payable	64.52	917.25	-	-	444.77	-
Other Current Liabilities	352.32	605.95	853.07	961.59	472.89	341.92
Long-Term Debt	-	-	-	998.96	1,341	70.33
Long-Term Leases	-	116.1	133.06	163.51	228.38	399.79
Long-Term Unearned Revenue	-	52.1	-	48.35	32.34	21.05
Long-Term Deferred Tax Liabilities	-	-	-	-	-	60.81
Other Long-Term Liabilities	1,937	1,293	461.31	359.05	1,331	640.57
Total Liabilities	169,278	182,691	164,622	124,730	111,641	134,154
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	3,620	-303.66	-3,737	-5,674	-1,821	-5,593
Treasury Stock	-518.44	-518.44	-518.44	-518.44	-518.44	-518.44
Comprehensive Income & Other	2,691	3,059	1,528	-864.44	-2.19	687.55
Total Common Equity	19,766	16,209	11,245	6,916	11,630	8,548
Shareholders' Equity	19,766	16,210	11,246	6,916	11,631	8,549
Total Liabilities & Equity	189,044	198,901	175,867	131,646	123,272	142,703
Total Debt	9.09	252.28	349.68	2,136	5,359	710.14
Net Cash (Debt)	47,087	67,323	58,722	33,703	28,384	31,493
Net Cash Growth	-13.49%	14.65%	74.23%	18.74%	-9.87%	-23.42%
Net Cash Per Share	3.54	5.06	4.41	2.53	2.13	2.30
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	1.48	1.22	0.84	0.52	0.87	0.64
Tangible Book Value	19,766	16,016	11,074	6,787	11,508	8,452
Tangible Book Value Per Share	1.48	1.20	0.83	0.51	0.86	0.63