Agram banka d.d. Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	12.77	13.11	13.66	125.31	123.6
Investment Securities	158.66	209.03	204.94	106.48	104.67
Trading Asset Securities	-	8.01	6.09	6.1	6.17
Total Investments	158.66	217.04	211.02	112.58	110.84
Gross Loans	338.94	396.97	371.8	331.44	309.74
Allowance for Loan Losses	-	-20.32	-20.4	-21.63	-21.73
Net Loans	338.94	376.65	351.4	309.82	288.01
Property, Plant & Equipment	12.96	8.77	8.85	8.98	9.02
Other Intangible Assets	2.7	2.58	2.64	3	2.92
Investments in Real Estate	-	4.67	4.96	5.9	4.08
Other Receivables	2.53	1.69	1.36	1.03	1.07
Restricted Cash	103.92	-	-	-	24.46
Other Current Assets	4.4	1.44	1.24	1.08	1.07
Long-Term Deferred Tax Assets	-	0.91	0.91	0.9	0.89
Other Real Estate Owned & Foreclosed	-	4.53	4.8	4.55	5.3
Other Long-Term Assets	1.69	-	-	-	-
Total Assets	638.57	631.39	600.85	573.14	571.28
Accounts Payable	-	0.55	0.77	0.95	1
Accrued Expenses	-	0.47	0.41	0.45	0.41
Interest Bearing Deposits	548.07	443.36	425.77	420.5	415.27
Total Deposits	548.07	443.36	425.77	420.5	415.27
Current Portion of Long-Term Debt	-	96.84	16.52	9.37	50.54
Current Portion of Leases	-	0.07	0.07	0.06	0.08
Current Income Taxes Payable	1.52	1.85	1.83	1.39	1.45
Other Current Liabilities	-	0.81	0.58	0.52	0.46
Long-Term Debt	7.09	10.48	82.76	78.75	35.46
Long-Term Leases	-	0.09	0.07	0.14	0.17
Long-Term Unearned Revenue	-	4.09	4.52	4.22	3.85
Other Long-Term Liabilities	9.03	2.46	2.6	2.27	1.21
Total Liabilities	565.7	561.07	535.89	518.63	509.9
Common Stock	25.19	25.19	25.19	25.72	25.78
Additional Paid-In Capital	6.71	6.71	6.71	6.71	6.72
Retained Earnings	37.65	37.95	33.06	27.35	24.11
Comprehensive Income & Other	3.32	0.47	-	-5.27	4.77
Shareholders' Equity	72.87	70.32	64.96	54.51	61.38
Total Liabilities & Equity	638.57	631.39	600.85	573.14	571.28
Total Debt	7.09	107.48	99.41	88.32	86.25
Net Cash (Debt)	25.27	6.27	17.76	48.78	43.53
Net Cash Growth	303.40%	-64.72%	-63.60%	12.07%	-
Net Cash Per Share	13.04	3.23	9.16	25.18	22.46
Filing Date Shares Outstanding	1.94	1.94	1.94	1.94	1.94
Total Common Shares Outstanding	1.94	1.94	1.94	1.94	1.94
Book Value Per Share	37.60	36.29	33.52	28.13	31.68
Tangible Book Value	70.16	67.74	62.31	51.51	58.46
Tangible Book Value Per Share	36.21	34.96	32.16	26.58	30.17

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.