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

ZSE:IKBA Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	28.23	28.73	23.99	11.1	10.48	10.22
Interest Income on Investments	0.01	0.01	0.01	0.01	0.01	0.01
Total Interest Income	28.24	28.74	24	11.11	10.49	10.23
Interest Paid on Deposits	4.83	4.51	0.63	0.42	0.48	0.55
Net Interest Income	23.41	24.24	23.37	10.69	10.02	9.68
Net Interest Income Growth (YoY)	-6.99%	3.71%	118.56%	6.74%	3.46%	-3.08%
Income From Trading Activities	0.06	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	0.19	0.26	0.01	0.1
Gain (Loss) on Sale of Investments	0.02	0.02	-	-	-	1.17
Other Non-Interest Income	5.85	5.96	5.17	7.52	6.08	4.97
Total Non-Interest Income	5.92	5.98	5.36	7.78	6.09	6.23
Non-Interest Income Growth (YoY)	6.41%	11.58%	-31.19%	27.82%	-2.32%	0.07%
Revenues Before Loan Losses	29.33	30.21	28.72	18.48	16.11	15.92
Provision for Loan Losses	0.57	1.5	2.74	0.65	0.7	0.67
Revenue	28.76	28.71	25.99	17.83	15.4	15.25
Revenue Growth (YoY)	2.25%	10.50%	45.73%	15.76%	1.02%	-0.80%
Salaries and Employee Benefits	8.45	8.45	7.26	6.31	5.7	5.62
Occupancy Expenses	0.56	0.56	0.62	0.65	0.71	0.75
Selling, General & Administrative	3.92	3.72	3.87	3.5	2.92	2.83
Other Non-Interest Expense	0.46	0.32	0.4	0.64	0.02	1.06
Total Non-Interest Expense	13.39	13.06	12.15	11.09	9.35	10.26
EBT Excluding Unusual Items	15.37	15.66	13.83	6.74	6.05	4.99
Pretax Income	15.37	15.66	13.83	6.74	6.05	4.99
Income Tax Expense	2.77	2.82	2.52	1.22	1.09	0.91
Net Income	12.6	12.83	11.32	5.51	4.95	4.07
Net Income to Common	12.6	12.83	11.32	5.51	4.95	4.07
Net Income Growth	-2.39%	13.38%	105.28%	11.28%	21.69%	1.03%
Basic Shares Outstanding	0	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0	0
Shares Change (YoY)	0.00%	-	-	-	-	0.03%
EPS (Basic)	85.14	86.72	76.48	37.26	33.48	27.51
EPS (Diluted)	85.14	86.72	76.48	37.26	33.48	27.51
EPS Growth	-2.39%	13.38%	105.28%	11.28%	21.69%	1.00%
Dividend Per Share	18.000	18.000	15.000	12.000	10.645	10.597
Dividend Growth	20.00%	20.00%	25.00%	12.73%	0.46%	5.14%
Effective Tax Rate	18.03%	18.03%	18.18%	18.17%	18.09%	18.33%

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