ZSE:IKBA Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	43.76	42.52	39.59	269.13	209.74
Investment Securities	109.52	94.21	84.53	112.9	63.07
Trading Asset Securities	0.66	0.22	0.26	0.25	0.24
Total Investments	110.19	94.43	84.79	113.15	63.3
Gross Loans	404.48	379.73	377.87	331	304.37
Allowance for Loan Losses	-18.62	-19.41	-23.23	-20.46	-22.74
Net Loans	385.86	360.31	354.64	310.54	281.63
Property, Plant & Equipment	4.36	3.92	4.14	4.7	4.75
Other Intangible Assets	0.4	0.2	0.18	0.17	0.35
Investments in Real Estate	0	0.02	0.04	0.29	1.6
Other Receivables	0.58	0.25	0.25	0.21	0.18
Restricted Cash	274.38	284.14	261.16	2.35	28.45
Other Current Assets	0.18	0.43	0.13	0.11	0.15
Long-Term Deferred Tax Assets	0.2	0.21	0.19	0.19	0.16
Other Real Estate Owned & Foreclosed	0.7	0.75	0.56	0.68	0.83
Other Long-Term Assets	0.09	0.17	0.16	0.05	0.16
Total Assets	820.68	787.35	745.83	701.56	591.31
Accounts Payable	0.8	0.43	0.53	0.65	0.31
Accrued Expenses	1.43	1.34	1.21	1.04	0.81
Interest Bearing Deposits	729.36	703.85	670.74	635.47	527.8
Total Deposits	729.36	703.85	670.74	635.47	527.8
Current Portion of Long-Term Debt	-	-	-	1.01	0.3
Current Portion of Leases	0.04	0.05	0.03	0.06	0.05
Current Income Taxes Payable	-	0.65	1.34	0.18	0.18
Other Current Liabilities	0.53	0.44	0.76	0.44	0.34
Long-Term Debt	4.33	4.98	5.89	6.75	9.91
Long-Term Leases	0.04	0.08	0.07	0.14	0.08
Other Long-Term Liabilities	0.44	0.31	0.73	0.84	0.23
Total Liabilities	736.97	712.14	681.29	646.58	540.01
Common Stock	21.61	21.61	21.61	21.61	21.66
Additional Paid-In Capital	0.02	0.02	0.02	0.02	0.02
Retained Earnings	62	53.59	42.98	33.43	29.57
Comprehensive Income & Other	0.09	-0.01	-0.07	-0.09	0.04
Shareholders' Equity	83.72	75.22	64.54	54.98	51.29
Total Liabilities & Equity	820.68	787.35	745.83	701.56	591.31
Total Debt	4.41	5.11	5.99	7.96	10.35
Net Cash (Debt)	40.02	37.64	33.86	261.42	199.64
Net Cash Growth	6.32%	11.15%	-87.05%	30.95%	59.40%
Net Cash Per Share	270.38	254.30	228.78	1766.33	1348.89
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	565.66	508.22	436.05	371.46	346.57
Tangible Book Value	83.31	75.02	64.36	54.81	50.94
Tangible Book Value Per Share	562.93	506.89	434.84	370.30	344.22

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.