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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	7.34	42.52	39.59	269.13	209.74	130.93
Investment Securities	101.23	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	101.23	94.43	84.79	113.15	63.3	86.19
Gross Loans	380.25	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	380.25	360.31	354.64	310.54	281.63	260.45
Property, Plant & Equipment	4.31	3.92	4.14	4.7	4.75	5.07
Other Intangible Assets	0.18	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	0.21	0.25	0.25	0.21	0.18	0.22
Restricted Cash	290.48	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	0.93	0.17	0.16	0.05	0.16	0.15
Total Assets	784.93	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	702.46	703.85	670.74	635.47	527.8	454.87
Total Deposits	702.46	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	1.03	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	5.27	0.31	0.73	0.84	0.23	0.31
Total Liabilities	708.76	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	49.61	53.59	42.98	33.43	29.57	26.07
Comprehensive Income & Other	4.93	-0.01	-0.07	-0.09	0.04	0.07
Shareholders' Equity	76.17	75.22	64.54	54.98	51.29	47.72
Total Liabilities & Equity	784.93	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)	15.56	37.64	33.86	261.42	199.64	125.24
Net Cash Growth	65.55%	11.15%	-87.05%	30.95%	59.40%	30.56%
Net Cash Per Share	105.11	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	514.68	508.22	436.05	371.46	346.57	322.45
Tangible Book Value	75.99	75.02	64.36	54.81	50.94	47.42
Tangible Book Value Per Share	513.45	506.89	434.84	370.30	344.22	320.44

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