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	32.96	13.11	13.66	125.31	123.6
Investment Securities	215.75	209.03	204.94	106.48	104.67
Trading Asset Securities	8.44	8.01	6.09	6.1	6.17
Total Investments	224.19	217.04	211.02	112.58	110.84
Gross Loans	374.65	396.97	371.8	331.44	309.74
Allowance for Loan Losses	-17.55	-20.32	-20.4	-21.63	-21.73
Net Loans	357.11	376.65	351.4	309.82	288.01
Property, Plant & Equipment	8.85	8.77	8.85	8.98	9.02
Other Intangible Assets	2.7	2.58	2.64	3	2.92
Investments in Real Estate	4.11	4.67	4.96	5.9	4.08
Other Receivables	1.72	1.69	1.36	1.03	1.07
Restricted Cash	-	-	-	-	24.46
Other Current Assets	1.69	1.44	1.24	1.08	1.07
Long-Term Deferred Tax Assets	0.84	0.91	0.91	0.9	0.89
Other Real Estate Owned & Foreclosed	4.4	4.53	4.8	4.55	5.3
Total Assets	638.57	631.39	600.85	573.14	571.28
Accounts Payable	0.58	0.55	0.77	0.95	1
Accrued Expenses	0.55	0.47	0.41	0.45	0.41
Interest Bearing Deposits	522.19	443.36	425.77	420.5	415.27
Total Deposits	522.19	443.36	425.77	420.5	415.27
Current Portion of Long-Term Debt	14.41	96.84	16.52	9.37	50.54
Current Portion of Leases	0.1	0.07	0.07	0.06	0.08
Current Income Taxes Payable	1.48	1.85	1.83	1.39	1.45
Other Current Liabilities	1.08	0.81	0.58	0.52	0.46
Long-Term Debt	18.56	10.48	82.76	78.75	35.46
Long-Term Leases	0.27	0.09	0.07	0.14	0.17
Long-Term Unearned Revenue	3.88	4.09	4.52	4.22	3.85
Other Long-Term Liabilities	2.61	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	40.85	37.95	33.06	27.35	24.11
Comprehensive Income & Other	0.12	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	33.34	107.48	99.41	88.32	86.25
Net Cash (Debt)	93.19	6.27	17.76	48.78	43.53
Net Cash Growth	1387.53%	-64.72%	-63.60%	12.07%	-
Net Cash Per Share	48.09	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	70.17	67.74	62.31	51.51	58.46
Tangible Book Value Per Share	36.21	34.96	32.16	26.58	30.17