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

ZSE:IKBA Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	371.42	43.76	42.52	39.59	269.13	209.74
Investment Securities	85.39	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	85.39	110.19	94.43	84.79	113.15	63.3
Gross Loans	434.59	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	434.59	385.86	360.31	354.64	310.54	281.63
Property, Plant & Equipment	4.05	4.36	3.92	4.14	4.7	4.75
Other Intangible Assets	0.25	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	0.14	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	0.29	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	1.27	0.09	0.17	0.16	0.05	0.16
Total Assets	897.4	820.68	787.35	745.83	701.56	591.31

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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	803.57	729.36	703.85	670.74	635.47	527.8
Total Deposits	803.57	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	0.24	-	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	3.18	0.44	0.31	0.73	0.84	0.23
Total Liabilities	806.98	736.97	712.14	681.29	646.58	540.01

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	21.61	21.61	21.61	21.61	21.61	21.66
Additional Paid-In Capital	0.02	0.02	0.02	0.02	0.02	0.02
Retained Earnings	63.82	62	53.59	42.98	33.43	29.57
Comprehensive Income & Other	4.96	0.09	-0.01	-0.07	-0.09	0.04
Shareholders' Equity	90.41	83.72	75.22	64.54	54.98	51.29
Total Liabilities & Equity	897.4	820.68	787.35	745.83	701.56	591.31

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	-	4.41	5.11	5.99	7.96	10.35
Net Cash (Debt)	371.42	40.02	37.64	33.86	261.42	199.64
Net Cash Growth	2193.16%	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	90.16	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

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 4, 2026

Data Sources Report a data error