Agram banka d.d. (ZSE: KBZ)

Agram banka d.d. Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	11.51	13.66	125.31	928.93	526.58	303.02
Investment Securities	151.51	204.94	106.48	786.63	859.95	925.62
Trading Asset Securities	-	6.09	6.1	46.4	46.82	36.74
Total Investments	151.51	211.02	112.58	833.03	906.76	962.36
Gross Loans	341.22	371.8	331.44	2,328	2,215	2,258
Allowance for Loan Losses	-	-20.4	-21.63	-163.33	-175.62	-163.04
Net Loans	341.22	351.4	309.82	2,165	2,039	2,095
Property, Plant & Equipment	13.39	8.84	8.98	67.78	70.07	70.18
Other Intangible Assets	2.6	2.65	3	21.98	21.4	23.01
Investments in Real Estate	-	4.96	5.9	30.7	29.66	25.38
Other Receivables	0.81	1.36	1.03	8.07	9.26	11.35
Restricted Cash	73.31	-	-	183.84	152.69	193.45
Other Current Assets	4.49	1.24	1.08	8.06	8.49	4.5
Long-Term Deferred Tax Assets	-	0.91	0.9	6.68	6.54	7.01
Other Real Estate Owned & Foreclosed	-	4.8	4.55	39.86	30.51	29.72
Total Assets	599.67	600.85	573.14	4,293	3,801	3,725
Accounts Payable	-	0.77	0.95	7.53	-	-
Accrued Expenses	-	0.47	0.45	3.09	0.03	0.14
Interest Bearing Deposits	514.5	425.77	420.5	3,121	2,562	2,479
Total Deposits	514.5	425.77	420.5	3,121	2,562	2,479
Current Portion of Long-Term Debt	-	16.52	9.37	379.82	421.63	502.04
Current Portion of Leases	-	0.07	0.06	0.62	0.74	0.51
Current Income Taxes Payable	1.5	1.83	1.39	10.89	-	-
Other Current Liabilities	-	0.58	0.52	3.43	-	-
Long-Term Debt	7.15	82.76	78.75	266.48	340.41	279.81
Long-Term Leases	-	0.07	0.14	1.27	1.6	1.02
Long-Term Unearned Revenue	-	4.52	4.22	28.95	-	-
Other Long-Term Liabilities	8.7	2.54	2.27	9.13	45.94	53.7
Total Liabilities	531.86	535.89	518.63	3,832	3,372	3,316
Common Stock	25.19	25.19	25.72	193.78	193.78	193.78
Additional Paid-In Capital	6.71	6.71	6.71	50.54	50.54	50.54
Retained Earnings	32.46	33.06	27.35	181.17	140.02	111.76
Comprehensive Income & Other	3.46	-	-5.27	35.84	44.61	52.85
Shareholders' Equity	67.81	64.96	54.51	461.33	428.94	408.92
Total Liabilities & Equity	599.67	600.85	573.14	4,293	3,801	3,725
Total Debt	7.15	99.41	88.32	648.2	764.38	783.38
Net Cash (Debt)	32.74	17.76	48.78	327.14	-190.98	-443.63
Net Cash Growth	41.76%	-63.60%	-85.09%	-	-	-
Net Cash Per Share	16.90	9.16	25.18	168.82	-98.56	-228.94
Filing Date Shares Outstanding	1.94	1.94	1.94	1.94	1.94	1.94
Total Common Shares Outstanding	1.94	1.94	1.94	1.94	1.94	1.94
Book Value Per Share	34.99	33.52	28.13	238.07	221.36	211.03
Tangible Book Value	65.21	62.3	51.51	439.34	407.55	385.91
Tangible Book Value Per Share	33.65	32.15	26.58	226.73	210.32	199.16

Source: S&P Capital IQ. Banks template. Financial Sources.