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

ZSE: IKBA Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	9.83	39.59	269.13	1,576	988.5	768.87
Investment Securities	98.82	84.53	112.9	473.96	648.99	828.64
Trading Asset Securities	-	0.26	0.25	1.78	1.71	1.61
Total Investments	98.82	84.79	113.15	475.75	650.7	830.24
Gross Loans	379.57	377.87	331	2,287	2,142	1,947
Allowance for Loan Losses	-	-23.23	-20.46	-170.93	-175.74	-191.72
Net Loans	379.57	354.64	310.54	2,117	1,966	1,755
Property, Plant & Equipment	3.97	4.14	4.7	35.7	38.25	40.15
Other Intangible Assets	0.21	0.18	0.17	2.61	2.25	2.38
Investments in Real Estate	-	0.04	0.29	12.03	11.84	13.05
Other Receivables	0.13	0.25	0.21	1.39	1.69	1.59
Restricted Cash	300.68	261.16	2.35	213.78	186.49	241.57
Other Current Assets	-	0.13	0.11	1.09	1	1.46
Long-Term Deferred Tax Assets	-	0.19	0.19	1.22	1.18	0.33
Other Real Estate Owned & Foreclosed	-	0.56	0.68	6.23	6.3	6.01
Other Long-Term Assets	0.82	0.16	0.05	1.24	1.1	1.48
Total Assets	794.03	745.83	701.56	4,444	3,856	3,662
Accounts Payable	-	0.53	0.65	2.29	4.28	2.11
Accrued Expenses	-	1.21	1.04	6.06	5.89	5.61
Interest Bearing Deposits	717.96	670.74	635.47	3,967	3,434	3,255
Total Deposits	717.96	670.74	635.47	3,967	3,434	3,255
Current Portion of Long-Term Debt	-	-	1.01	2.26	15.94	13.64
Current Portion of Leases	-	0.03	0.06	0.41	0.38	0.64
Current Income Taxes Payable	0.93	1.34	0.18	1.34	0.09	1.98
Other Current Liabilities	-	0.76	0.44	2.57	3.97	2.76
Long-Term Debt	-	5.89	6.75	74.49	27.53	41.03
Long-Term Leases	-	0.07	0.14	0.61	0.81	1.36
Other Long-Term Liabilities	2.38	0.73	0.84	1.76	2.31	3.83
Total Liabilities	721.28	681.29	646.58	4,058	3,495	3,328
Common Stock	21.61	21.61	21.61	162.8	162.8	162.8
Additional Paid-In Capital	0.02	0.02	0.02	0.18	0.18	0.18
Retained Earnings	46.22	42.98	33.43	222.2	196.8	166.06
Comprehensive Income & Other	4.91	-0.07	-0.09	0.3	0.51	5.34
Shareholders' Equity	72.76	64.54	54.98	385.48	360.29	334.38
Total Liabilities & Equity	794.03	745.83	701.56	4,444	3,856	3,662
Total Debt	-	5.99	7.96	77.76	44.67	56.67
Net Cash (Debt)	11.84	33.86	261.42	1,500	945.55	713.81
Net Cash Growth	-10.80%	-87.05%	-82.58%	58.67%	32.46%	-11.61%
Net Cash Per Share	79.98	228.78	1766.33	10137.44	6388.83	4824.58
Filing Date Shares Outstanding	0.15	0.15	0.15	0.15	0.15	0.15
Total Common Shares Outstanding	0.15	0.15	0.15	0.15	0.15	0.15
Book Value Per Share	491.60	436.05	371.46	2604.59	2434.41	2259.32
Tangible Book Value	72.54	64.36	54.81	382.87	358.04	332
Tangible Book Value Per Share	490.16	434.84	370.30	2586.97	2419.18	2243.25

Source: S&P Capital IQ. Banks template. Financial Sources.