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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	8.39	42.52	39.59	269.13	209.74	130.93
Investment Securities	103.64	94.21	84.53	112.9	63.07	85.96
Trading Asset Securities	-	0.22	0.26	0.25	0.24	0.23
Total Investments	103.64	94.43	84.79	113.15	63.3	86.19
Gross Loans	377.36	379.73	377.87	331	304.37	283.73
Allowance for Loan Losses	-	-19.41	-23.23	-20.46	-22.74	-23.28
Net Loans	377.36	360.31	354.64	310.54	281.63	260.45
Property, Plant & Equipment	4.2	3.92	4.14	4.7	4.75	5.07
Other Intangible Assets	0.16	0.2	0.18	0.17	0.35	0.3
Investments in Real Estate	-	0.02	0.04	0.29	1.6	1.57
Other Receivables	0.19	0.25	0.25	0.21	0.18	0.22
Restricted Cash	349.23	284.14	261.16	2.35	28.45	24.7
Other Current Assets	-	0.43	0.13	0.11	0.15	0.13
Long-Term Deferred Tax Assets	-	0.21	0.19	0.19	0.16	0.16
Other Real Estate Owned & Foreclosed	-	0.75	0.56	0.68	0.83	0.83
Other Long-Term Assets	0.94	0.17	0.16	0.05	0.16	0.15
Total Assets	844.12	787.35	745.83	701.56	591.31	510.71
Accounts Payable	-	0.43	0.53	0.65	0.31	0.57
Accrued Expenses	-	1.34	1.21	1.04	0.81	0.78
Interest Bearing Deposits	759.24	703.85	670.74	635.47	527.8	454.87
Total Deposits	759.24	703.85	670.74	635.47	527.8	454.87
Current Portion of Long-Term Debt	-	-	-	1.01	0.3	2.11
Current Portion of Leases	-	0.05	0.03	0.06	0.05	0.05
Current Income Taxes Payable	0.26	0.65	1.34	0.18	0.18	0.01
Other Current Liabilities	-	0.44	0.76	0.44	0.34	0.53
Long-Term Debt	-	4.98	5.89	6.75	9.91	3.65
Long-Term Leases	-	0.08	0.07	0.14	0.08	0.11
Other Long-Term Liabilities	2.55	0.31	0.73	0.84	0.23	0.31
Total Liabilities	762.04	712.14	681.29	646.58	540.01	462.98
Common Stock	21.61	21.61	21.61	21.61	21.66	21.56
Additional Paid-In Capital	0.02	0.02	0.02	0.02	0.02	0.02
Retained Earnings	55.45	53.59	42.98	33.43	29.57	26.07
Comprehensive Income & Other	5	-0.01	-0.07	-0.09	0.04	0.07
Shareholders' Equity	82.07	75.22	64.54	54.98	51.29	47.72
Total Liabilities & Equity	844.12	787.35	745.83	701.56	591.31	510.71
Total Debt	-	5.11	5.99	7.96	10.35	5.92
Net Cash (Debt)	16.2	37.64	33.86	261.42	199.64	125.24
Net Cash Growth	36.83%	11.15%	-87.05%	30.95%	59.40%	30.56%
Net Cash Per Share	109.44	254.30	228.78	1766.33	1348.89	846.25
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	554.56	508.22	436.05	371.46	346.57	322.45
Tangible Book Value	81.91	75.02	64.36	54.81	50.94	47.42
Tangible Book Value Per Share	553.46	506.89	434.84	370.30	344.22	320.44

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.