Agram banka d.d. (ZSE:KBZ)

Agram banka d.d. Income Statement

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
Interest Income on Loans	23.46	23.91	18.77	14.86	14.77	15.63
Interest Paid on Deposits	6.83	6.69	2.5	1.56	2.18	3.12
Net Interest Income	16.64	17.22	16.28	13.29	12.59	12.52
Net Interest Income Growth (YoY)	-0.70%	5.78%	22.47%	5.56%	0.60%	2.95%
Gain (Loss) on Sale of Assets	0.24	0.41	0.55	0.5	0.06	0.28
Gain (Loss) on Sale of Investments	1.02	0.44	-0.07	-0.09	-0.02	0.5
Other Non-Interest Income	6.02	5.86	5.03	5.69	5.23	5.19
Total Non-Interest Income	7.31	6.71	5.51	6.11	5.27	5.96
Non-Interest Income Growth (YoY)	9.00%	21.79%	-9.85%	15.93%	-11.66%	-10.14%
Revenues Before Loan Losses	23.95	23.93	21.79	19.4	17.86	18.48
Provision for Loan Losses	2.29	1	-0.71	0.85	0.55	2.9
Revenue	21.66	22.92	22.5	18.55	17.31	15.58
Revenue Growth (YoY)	-9.98%	1.90%	21.25%	7.17%	11.12%	-7.10%
Salaries and Employee Benefits	5.27	5.27	4.81	3.5	3.32	3.09
Occupancy Expenses	1.15	1.16	1.14	1.11	1.09	1.16
Selling, General & Administrative	0.96	0.19	0.25	0.17	0.12	0.16
Other Non-Interest Expense	4.97	5.7	6.28	6.37	6.1	6.64
Total Non-Interest Expense	12.35	12.32	12.48	11.15	10.63	11.06
EBT Excluding Unusual Items	9.31	10.61	10.01	7.41	6.68	4.52
Asset Writedown	0	-	-	-	-	-
Pretax Income	9.31	10.61	10.01	7.41	6.68	4.52
Income Tax Expense	1.61	1.84	1.83	1.38	1.21	0.78
Net Income	7.71	8.77	8.19	6.03	5.48	3.74
Net Income to Common	7.71	8.77	8.19	6.03	5.48	3.74
Net Income Growth	-11.11%	7.08%	35.86%	10.06%	46.28%	-25.69%
Basic Shares Outstanding	-	2	2	2	2	2
Diluted Shares Outstanding	-	2	2	2	2	2
Shares Change (YoY)	-	-	0.01%	-0.01%	-	-
EPS (Basic)	-	4.52	4.22	3.11	2.83	1.93
EPS (Diluted)	-	4.52	4.22	3.11	2.83	1.93
EPS Growth	-	7.08%	35.85%	10.07%	46.28%	-25.69%
Dividend Per Share	2.150	2.150	2.000	-	1.410	-
Dividend Growth	7.50%	7.50%	-	-	-	-
Effective Tax Rate	17.24%	17.34%	18.23%	18.66%	18.09%	17.27%

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