Agram banka d.d. Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	11.89	13.11	13.66	125.31	123.6	69.75
Investment Securities	145.41	209.03	204.94	106.48	104.67	113.91
Trading Asset Securities	-	8.01	6.09	6.1	6.17	6.2
Total Investments	145.41	217.04	211.02	112.58	110.84	120.11
Gross Loans	328.36	396.97	371.8	331.44	309.74	293.39
Allowance for Loan Losses	-	-20.32	-20.4	-21.63	-21.73	-23.26
Net Loans	328.36	376.65	351.4	309.82	288.01	270.13
Property, Plant & Equipment	13.7	8.77	8.85	8.98	9.02	9.28
Other Intangible Assets	2.67	2.58	2.64	3	2.92	2.83
Investments in Real Estate	-	4.67	4.96	5.9	4.08	3.93
Other Receivables	0.8	1.69	1.36	1.03	1.07	1.23
Restricted Cash	111.58	-	-	-	24.46	20.22
Other Current Assets	4.53	1.44	1.24	1.08	1.07	1.12
Long-Term Deferred Tax Assets	-	0.91	0.91	0.9	0.89	0.87
Other Real Estate Owned & Foreclosed	-	4.53	4.8	4.55	5.3	4.04
Total Assets	620.4	631.39	600.85	573.14	571.28	503.52
Accounts Payable	-	0.55	0.77	0.95	1	-
Accrued Expenses	-	0.47	0.41	0.45	0.41	0
Interest Bearing Deposits	531.96	443.36	425.77	420.5	415.27	339.36
Total Deposits	531.96	443.36	425.77	420.5	415.27	339.36
Current Portion of Long-Term Debt	-	96.84	16.52	9.37	50.54	55.85
Current Portion of Leases	-	0.07	0.07	0.06	0.08	0.1
Current Income Taxes Payable	1.2	1.85	1.83	1.39	1.45	-
Other Current Liabilities	-	0.81	0.58	0.52	0.46	-
Long-Term Debt	7.16	10.48	82.76	78.75	35.46	45.09
Long-Term Leases	-	0.09	0.07	0.14	0.17	0.21
Long-Term Unearned Revenue	-	4.09	4.52	4.22	3.85	-
Other Long-Term Liabilities	8.56	2.46	2.6	2.27	1.21	6.09
Total Liabilities	548.88	561.07	535.89	518.63	509.9	446.7
Common Stock	25.19	25.19	25.19	25.72	25.78	25.67
Additional Paid-In Capital	6.71	6.71	6.71	6.71	6.72	6.69
Retained Earnings	35.99	37.95	33.06	27.35	24.11	18.55
Comprehensive Income & Other	3.63	0.47	-	-5.27	4.77	5.91
Shareholders' Equity	71.52	70.32	64.96	54.51	61.38	56.82
Total Liabilities & Equity	620.4	631.39	600.85	573.14	571.28	503.52
Total Debt	7.16	107.48	99.41	88.32	86.25	101.25
Net Cash (Debt)	19.7	6.27	17.76	48.78	43.53	-25.3
Net Cash Growth	-39.84%	-64.72%	-63.60%	12.07%	-	-
Net Cash Per Share	10.17	3.23	9.16	25.18	22.46	-13.05
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	36.91	36.29	33.52	28.13	31.68	29.32
Tangible Book Value	68.85	67.74	62.31	51.51	58.46	53.98
Tangible Book Value Per Share	35.53	34.96	32.16	26.58	30.17	27.86

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