Podravska 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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 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
Interest Income on Loans	25.38	27.48	23.65	14.35	13.36	13.25
Interest Paid on Deposits	5.22	4.99	2.41	1.47	1.47	1.79
Net Interest Income	20.13	22.49	21.24	12.89	11.89	11.46
Net Interest Income Growth (YoY)	-12.08%	5.88%	64.87%	8.34%	3.76%	-3.74%
Gain (Loss) on Sale of Assets	-	-	0.36	2.75	0.01	0
Gain (Loss) on Sale of Investments	-0.11	-0.96	-1.58	-0.66	0.51	1.65
Other Non-Interest Income	6.68	6.34	5.17	6.18	5.21	4.54
Total Non-Interest Income	6.64	5.39	3.96	8.27	5.72	6.19
Non-Interest Income Growth (YoY)	61.90%	36.16%	-52.17%	44.63%	-7.61%	-19.05%
Revenues Before Loan Losses	26.78	27.88	25.2	21.15	17.61	17.65
Provision for Loan Losses	2.74	3.92	5.84	5.45	2.56	2.88
Revenue	24.03	23.96	19.36	15.71	15.05	14.77
Revenue Growth (YoY)	-1.75%	23.75%	23.29%	4.38%	1.88%	-10.44%
Occupancy Expenses	1.92	1.87	1.87	1.64	1.48	1.26
Selling, General & Administrative	12.15	11.78	11.85	11.2	10.25	10.68
Other Non-Interest Expense	1.12	0.83	0.83	0.79	0.76	0.88
Total Non-Interest Expense	15.2	14.49	14.55	13.63	12.49	12.82
EBT Excluding Unusual Items	8.83	9.48	4.81	2.08	2.55	1.95
Asset Writedown	-0.01	-0.01	-0.1	-0.2	-0.08	-0.07
Legal Settlements	0.04	0.04	0.42	0.25	0.12	0.11
Pretax Income	8.87	9.51	5.13	2.13	2.6	1.99
Income Tax Expense	1.86	1.99	1.08	0.52	0.57	0.43
Net Income	7	7.52	4.05	1.62	2.03	1.57
Net Income to Common	7	7.52	4.05	1.62	2.03	1.57
Net Income Growth	0.36%	85.66%	150.84%	-20.33%	29.48%	-45.42%
Basic Shares Outstanding	1	1	1	-	1	1
Diluted Shares Outstanding	1	1	1	-	1	1
Shares Change (YoY)	-	-	-	-	-	-0.50%
EPS (Basic)	10.53	11.30	6.09	-	3.05	2.35
EPS (Diluted)	10.53	11.30	6.09	-	3.05	2.35
EPS Growth	0.36%	85.66%	-	-	29.48%	-45.15%
Dividend Per Share	5.000	5.000	4.500	-	-	-
Dividend Growth	11.11%	11.11%	-	-	-	-
Effective Tax Rate	20.93%	20.91%	21.05%	24.25%	21.94%	21.43%

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