Istarska kreditna banka Umag d.d. (ZSE:IKBA)

ZSE:IKBA 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	28.73	23.99	11.1	78.78	77.19
Interest Income on Investments	0.01	0.01	0.01	0.08	0.08
Total Interest Income	28.74	24	11.11	78.86	77.27
Interest Paid on Deposits	4.51	0.63	0.42	3.59	4.17
Net Interest Income	24.24	23.37	10.69	75.28	73.09
Net Interest Income Growth (YoY)	3.71%	118.56%	-85.80%	2.99%	-1.68%
Gain (Loss) on Sale of Assets	-	0.19	0.26	0.06	0.78
Gain (Loss) on Sale of Investments	0.02	-	-	-	8.8
Other Non-Interest Income	5.96	5.17	7.52	45.71	37.49
Total Non-Interest Income	5.98	5.36	7.78	45.77	47.07
Non-Interest Income Growth (YoY)	11.58%	-31.19%	-82.99%	-2.77%	1.52%
Revenues Before Loan Losses	30.21	28.72	18.48	121.05	120.16
Provision for Loan Losses	1.5	2.74	0.65	5.28	5.05
Revenue	28.71	25.99	17.83	115.76	115.12
Revenue Growth (YoY)	10.50%	45.73%	-84.60%	0.56%	0.64%
Salaries and Employee Benefits	8.45	7.26	6.31	42.87	42.45
Occupancy Expenses	0.56	0.62	0.65	5.36	5.63
Selling, General & Administrative	3.72	3.87	3.5	21.91	21.37
Other Non-Interest Expense	0.32	0.4	0.64	0.16	8.02
Total Non-Interest Expense	13.06	12.15	11.09	70.3	77.48
EBT Excluding Unusual Items	15.66	13.83	6.74	45.46	37.64
Pretax Income	15.66	13.83	6.74	45.46	37.64
Income Tax Expense	2.82	2.52	1.22	8.22	6.9
Net Income	12.83	11.32	5.51	37.24	30.74
Net Income to Common	12.83	11.32	5.51	37.24	30.74
Net Income Growth	13.38%	105.28%	-85.19%	21.14%	2.50%
Basic Shares Outstanding	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0
Shares Change (YoY)	-	-	-	-	0.03%
EPS (Basic)	86.72	76.48	37.26	251.61	207.71
EPS (Diluted)	86.72	76.48	37.26	251.61	207.71
EPS Growth	13.38%	105.28%	-85.19%	21.14%	2.47%
Dividend Per Share	-	15.000	12.000	80.000	80.000
Dividend Growth	-	25.00%	-85.00%	-	6.67%
Effective Tax Rate	18.03%	18.18%	18.17%	18.09%	18.33%

Updated Feb 27, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.