Agram banka d.d. Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '25 Dec 8, 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
Market Capitalization	72	73	57	50	57	32
Market Cap Growth	132.96%	27.03%	14.41%	-11.57%	77.70%	2.07%
Last Close Price	37.40	35.58	26.45	21.88	23.50	13.22
PE Ratio	9.40	8.31	7.01	8.32	10.36	8.52
PS Ratio	3.35	3.18	2.55	2.70	3.28	2.05
PB Ratio	1.01	1.04	0.88	0.92	0.92	0.56
P/FCF Ratio	3.26	9.06	-	-	-	1.98
P/OCF Ratio	3.05	8.31	-	-	-	1.94
Debt / Equity Ratio	0.10	1.53	1.53	1.62	1.41	1.78
Debt / FCF Ratio	0.32	13.37	-	-	-	6.29
Return on Equity (ROE)	11.06%	12.96%	13.71%	10.42%	9.24%	6.74%
Return on Assets (ROA)	1.26%	1.42%	1.40%	1.05%	1.02%	0.75%
Earnings Yield	10.63%	12.03%	14.27%	12.02%	9.66%	11.73%
FCF Yield	30.72%	11.04%	-12.59%	-26.15%	-27.26%	50.43%
Dividend Yield	5.78%	6.04%	7.56%	-	6.00%	-
Payout Ratio	54.06%	44.20%	36.68%	45.24%	-	-
Buyback Yield / Dilution	-	-	-0.01%	0.01%	-	-
Total Shareholder Return	5.78%	6.04%	7.55%	0.01%	6.00%	-

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