Agram banka d.d. (ZSE:KBZ)
Croatia · Delayed Price · Currency is EUR 39.80
+1.80 (4.74%)
At close: Jul 10, 2026
Agram banka d.d. Income Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Interest Income on Loans | 21.57 | 22.96 | 23.91 | 18.77 | 14.86 | 14.77 |
Interest Paid on Deposits | 5.52 | 6.76 | 6.69 | 2.5 | 1.56 | 2.18 |
Net Interest Income | 16.06 | 16.21 | 17.22 | 16.28 | 13.29 | 12.59 |
Net Interest Income Growth | -5.76% | -5.87% | 5.78% | 22.47% | 5.56% | 0.60% |
Gain (Loss) on Sale of Assets | 0.6 | 0.6 | 0.41 | 0.55 | 0.5 | 0.06 |
Gain (Loss) on Sale of Investments | 1.3 | 1.29 | 0.45 | -0 | -0.09 | -0.02 |
Other Non-Interest Income | 6.07 | 5.6 | 5.85 | 4.96 | 5.69 | 5.23 |
Total Non-Interest Income | 7.85 | 7.49 | 6.71 | 5.51 | 6.11 | 5.27 |
Non-Interest Income Growth | 6.71% | 11.64% | 21.79% | -9.85% | 15.93% | -11.66% |
Revenues Before Loan Losses | 23.9 | 23.7 | 23.93 | 21.79 | 19.4 | 17.86 |
Provision for Loan Losses | 1.66 | 1.42 | 1 | -0.71 | 0.85 | 0.55 |
| 22.24 | 22.27 | 22.92 | 22.5 | 18.55 | 17.31 | |
Revenue Growth | -0.21% | -2.83% | 1.90% | 21.25% | 7.17% | 11.12% |
Salaries and Employee Benefits | 4.65 | 4.65 | 4.15 | 3.78 | 3.5 | 3.32 |
Occupancy Expenses | 1.15 | 1.15 | 1.16 | 1.14 | 1.11 | 1.09 |
Selling, General & Administrative | 0.89 | 0.29 | 0.19 | 0.25 | 0.17 | 0.12 |
Other Non-Interest Expense | 7.78 | 7.65 | 6.82 | 7.31 | 6.37 | 6.1 |
Total Non-Interest Expense | 14.47 | 13.73 | 12.32 | 12.48 | 11.15 | 10.63 |
EBT Excluding Unusual Items | 7.77 | 8.54 | 10.61 | 10.01 | 7.41 | 6.68 |
Asset Writedown | 2.91 | - | - | - | - | - |
Pretax Income | 10.68 | 8.54 | 10.61 | 10.01 | 7.41 | 6.68 |
Income Tax Expense | 0.99 | 1.48 | 1.84 | 1.83 | 1.38 | 1.21 |
Net Income | 9.69 | 7.07 | 8.77 | 8.19 | 6.03 | 5.48 |
Net Income to Common | 9.69 | 7.07 | 8.77 | 8.19 | 6.03 | 5.48 |
Net Income Growth | 16.00% | -19.41% | 7.08% | 35.86% | 10.06% | 46.28% |
Basic Shares Outstanding | 2 | 2 | 2 | 2 | 2 | 2 |
Diluted Shares Outstanding | 2 | 2 | 2 | 2 | 2 | 2 |
Shares Change | - | - | - | 0.01% | -0.01% | - |
EPS (Basic) | 5.00 | 3.65 | 4.52 | 4.22 | 3.11 | 2.83 |
EPS (Diluted) | 5.00 | 3.65 | 4.52 | 4.22 | 3.11 | 2.83 |
EPS Growth | 16.00% | -19.41% | 7.08% | 35.85% | 10.07% | 46.28% |
Dividend Per Share | - | - | 2.150 | 2.000 | - | 1.410 |
Dividend Growth | - | - | 7.50% | - | - | - |
Effective Tax Rate | 9.26% | 17.29% | 17.34% | 18.23% | 18.66% | 18.09% |