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

ZSE:IKBA Income Statement

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

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
Interest Income on Loans	25.83	25.55	28.73	23.99	11.1	10.48
Interest Income on Investments	-0.03	-	0.01	0.01	0.01	0.01
Total Interest Income	25.8	25.55	28.74	24	11.11	10.49
Interest Paid on Deposits	3.46	4.27	4.51	0.63	0.42	0.48
Net Interest Income	22.35	21.28	24.24	23.37	10.69	10.02
Net Interest Income Growth	2.85%	-12.19%	3.71%	118.56%	6.74%	3.46%
Gain (Loss) on Sale of Assets	-	-	-	0.19	0.26	0.01
Gain (Loss) on Sale of Investments	-	-	0.02	-	-	-
Other Non-Interest Income	6.85	6.58	5.96	5.17	7.52	6.08
Total Non-Interest Income	6.76	6.58	5.98	5.36	7.78	6.09
Non-Interest Income Growth	10.31%	10.14%	11.58%	-31.19%	27.82%	-2.32%
Revenues Before Loan Losses	29.11	27.86	30.21	28.72	18.48	16.11
Provision for Loan Losses	0.89	-0.02	1.5	2.74	0.65	0.7
Revenue	28.21	27.88	28.71	25.99	17.83	15.4
Revenue Growth	-1.82%	-2.89%	10.50%	45.73%	15.76%	1.02%
Salaries and Employee Benefits	9.26	9.26	8.45	7.26	6.31	5.7
Occupancy Expenses	0.46	0.62	0.56	0.62	0.65	0.71
Selling, General & Administrative	4.72	4.03	3.72	3.87	3.5	2.92
Other Non-Interest Expense	0.47	0.46	0.32	0.4	0.64	0.02
Total Non-Interest Expense	14.91	14.36	13.06	12.15	11.09	9.35
EBT Excluding Unusual Items	13.3	13.52	15.66	13.83	6.74	6.05
Pretax Income	13.3	13.52	15.66	13.83	6.74	6.05
Income Tax Expense	2.41	2.45	2.82	2.52	1.22	1.09
Net Income	10.89	11.07	12.83	11.32	5.51	4.95
Net Income to Common	10.89	11.07	12.83	11.32	5.51	4.95
Net Income Growth	-8.40%	-13.74%	13.38%	105.28%	11.28%	21.69%
Basic Shares Outstanding	-	0	0	0	0	0
Diluted Shares Outstanding	-	0	0	0	0	0
Shares Change	-	-	-	-	-	-
EPS (Basic)	-	74.80	86.72	76.48	37.26	33.48
EPS (Diluted)	-	74.80	86.72	76.48	37.26	33.48
EPS Growth	-	-13.74%	13.38%	105.28%	11.28%	21.69%

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
Dividend Per Share	-	-	18.000	15.000	12.000	10.645
Dividend Growth	-	-	20.00%	25.00%	12.73%	0.46%
Effective Tax Rate	18.12%	18.13%	18.03%	18.18%	18.17%	18.09%

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

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