Podravska banka d.d. (ZSE:PDBA)

Podravska banka d.d. Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	24.81	27.48	23.65	14.35	13.36
Interest Paid on Deposits	5.28	4.99	2.41	1.47	1.47
Net Interest Income	19.53	22.49	21.24	12.89	11.89
Net Interest Income Growth (YoY)	-13.18%	5.88%	64.87%	8.34%	3.76%
Gain (Loss) on Sale of Assets	-0.07	-	0.36	2.75	0.01
Gain (Loss) on Sale of Investments	-0.04	-	-1.58	-0.66	0.51
Other Non-Interest Income	5.99	5.39	5.17	6.18	5.21
Total Non-Interest Income	5.88	5.39	3.96	8.27	5.72
Non-Interest Income Growth (YoY)	9.14%	36.16%	-52.17%	44.63%	-7.61%
Revenues Before Loan Losses	25.41	27.88	25.2	21.15	17.61
Provision for Loan Losses	0.59	3.92	4.81	5.45	2.56
Revenue	24.82	23.96	20.39	15.71	15.05
Revenue Growth (YoY)	3.56%	17.51%	29.84%	4.38%	1.88%
Occupancy Expenses	1.96	1.87	1.87	1.64	1.48
Selling, General & Administrative	13.48	11.78	11.85	11.2	10.25
Other Non-Interest Expense	0.88	0.83	0.83	0.79	0.76
Total Non-Interest Expense	16.32	14.49	14.55	13.63	12.49
EBT Excluding Unusual Items	8.49	9.48	5.84	2.08	2.55
Asset Writedown	-0.07	-0.01	-0.1	-0.2	-0.08
Legal Settlements	-11.82	0.04	-0.61	0.25	0.12
Pretax Income	-3.39	9.51	5.13	2.13	2.6
Income Tax Expense	-0.92	1.99	1.08	0.52	0.57
Net Income	-2.47	7.52	4.05	1.62	2.03
Net Income to Common	-2.47	7.52	4.05	1.62	2.03
Net Income Growth	-	85.66%	150.84%	-20.33%	29.48%
Basic Shares Outstanding	1	1	1	-	1
Diluted Shares Outstanding	1	1	1	-	1
EPS (Basic)	-3.71	11.30	6.09	-	3.05
EPS (Diluted)	-3.71	11.30	6.09	-	3.05
EPS Growth	-	85.66%	-	-	29.48%
Dividend Per Share	-	5.000	4.500	-	-
Dividend Growth	-	11.11%	-	-	-
Effective Tax Rate	-	20.91%	21.05%	24.25%	21.94%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.