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

ZSE:IKBA Balance Sheet

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
Cash & Equivalents	299.44	39.59	269.13	1,576	988.5
Investment Securities	97.17	84.53	112.9	473.96	648.99
Trading Asset Securities	-	0.26	0.25	1.78	1.71
Total Investments	97.17	84.79	113.15	475.75	650.7
Gross Loans	-	377.87	331	2,287	2,142
Allowance for Loan Losses	-	-23.23	-20.46	-170.93	-175.74
Net Loans	-	354.64	310.54	2,117	1,966
Property, Plant & Equipment	3.94	4.14	4.7	35.7	38.25
Other Intangible Assets	0.2	0.18	0.17	2.61	2.25
Loans Held for Sale	377.03	-	-	-	-
Investments in Real Estate	-	0.04	0.29	12.03	11.84
Other Receivables	0.21	0.25	0.21	1.39	1.69
Restricted Cash	8.17	261.16	2.35	213.78	186.49
Other Current Assets	-	0.13	0.11	1.09	1
Long-Term Deferred Tax Assets	-	0.19	0.19	1.22	1.18
Other Real Estate Owned & Foreclosed	-	0.56	0.68	6.23	6.3
Other Long-Term Assets	1.19	0.16	0.05	1.24	1.1
Total Assets	787.35	745.83	701.56	4,444	3,856
Accounts Payable	-	0.53	0.65	2.29	4.28
Accrued Expenses	-	1.21	1.04	6.06	5.89
Interest Bearing Deposits	708.72	670.74	635.47	3,967	3,434
Total Deposits	708.72	670.74	635.47	3,967	3,434
Current Portion of Long-Term Debt	-	-	1.01	2.26	15.94
Current Portion of Leases	-	0.03	0.06	0.41	0.38
Current Income Taxes Payable	0.66	1.34	0.18	1.34	0.09
Other Current Liabilities	-	0.76	0.44	2.57	3.97
Long-Term Debt	-	5.89	6.75	74.49	27.53
Long-Term Leases	-	0.07	0.14	0.61	0.81
Other Long-Term Liabilities	2.76	0.73	0.84	1.76	2.31
Total Liabilities	712.14	681.29	646.58	4,058	3,495
Common Stock	21.61	21.61	21.61	162.8	162.8
Additional Paid-In Capital	0.02	0.02	0.02	0.18	0.18
Retained Earnings	48.67	42.98	33.43	222.2	196.8
Comprehensive Income & Other	4.91	-0.07	-0.09	0.3	0.51
Shareholders' Equity	75.22	64.54	54.98	385.48	360.29
Total Liabilities & Equity	787.35	745.83	701.56	4,444	3,856
Total Debt	-	5.99	7.96	77.76	44.67
Net Cash (Debt)	302.17	33.86	261.42	1,500	945.55
Net Cash Growth	792.41%	-87.05%	-82.58%	58.67%	32.46%
Net Cash Per Share	2041.70	228.78	1766.33	10137.44	6388.83
Filing Date Shares Outstanding	0.15	0.15	0.15	0.15	0.15
Total Common Shares Outstanding	0.15	0.15	0.15	0.15	0.15
Book Value Per Share	508.22	436.05	371.46	2604.59	2434.41
Tangible Book Value	75.01	64.36	54.81	382.87	358.04
Tangible Book Value Per Share	506.85	434.84	370.30	2586.97	2419.18

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