Podravska banka d.d. (ZSE:PDBA)

Podravska banka d.d. Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	27.48	23.65	14.35	100.44	100.05
Interest Paid on Deposits	4.99	2.41	1.47	11.06	13.52
Net Interest Income	22.49	21.24	12.89	89.38	86.53
Net Interest Income Growth (YoY)	5.88%	64.87%	-85.58%	3.29%	-2.34%
Gain (Loss) on Sale of Assets	-	0.36	2.75	0.04	0.03
Gain (Loss) on Sale of Investments	-0.96	-1.58	-0.66	3.8	12.45
Other Non-Interest Income	6.34	5.17	6.18	39.13	34.24
Total Non-Interest Income	5.39	3.96	8.27	42.97	46.72
Non-Interest Income Growth (YoY)	36.16%	-52.17%	-80.75%	-8.03%	-17.88%
Revenues Before Loan Losses	27.88	25.2	21.15	132.35	133.25
Provision for Loan Losses	3.92	5.84	5.45	19.26	21.74
Revenue	23.96	19.36	15.71	113.09	111.51
Revenue Growth (YoY)	23.75%	23.29%	-86.11%	1.42%	-9.14%
Occupancy Expenses	1.87	1.87	1.64	11.16	9.48
Selling, General & Administrative	11.78	11.85	11.2	77.06	80.67
Other Non-Interest Expense	0.83	0.83	0.79	5.68	6.64
Total Non-Interest Expense	14.49	14.55	13.63	93.9	96.79
EBT Excluding Unusual Items	9.48	4.81	2.08	19.19	14.72
Asset Writedown	-0.01	-0.1	-0.2	-0.57	-0.52
Legal Settlements	0.04	0.42	0.25	0.9	0.85
Pretax Income	9.51	5.13	2.13	19.52	15.04
Income Tax Expense	1.99	1.08	0.52	4.28	3.22
Net Income	7.52	4.05	1.62	15.23	11.82
Net Income to Common	7.52	4.05	1.62	15.23	11.82
Net Income Growth	85.66%	150.84%	-89.40%	28.89%	-44.63%
Basic Shares Outstanding	1	1	-	1	1
Diluted Shares Outstanding	1	1	-	1	1
Shares Change (YoY)	-	-	-	-	-0.50%
EPS (Basic)	11.30	6.09	-	22.89	17.76
EPS (Diluted)	11.30	6.09	-	22.89	17.76
EPS Growth	85.66%	-	-	28.89%	-44.35%
Effective Tax Rate	20.91%	21.05%	24.25%	21.94%	21.43%

Updated Mar 20, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.