Podravska banka d.d. (ZSE:PDBA)

Podravska banka d.d. Balance Sheet

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
Cash & Equivalents	219.51	179.88	150.23	744.11	771.99
Investment Securities	164.75	157.47	112.89	775.75	714.12
Trading Asset Securities	0.11	1.5	4.29	171.33	183.53
Total Investments	164.87	158.97	117.18	947.08	897.66
Gross Loans	345.15	348.04	344.46	2,367	2,153
Allowance for Loan Losses	-28.85	-30.95	-30.86	-204.85	-224.12
Net Loans	316.3	317.09	313.6	2,162	1,929
Property, Plant & Equipment	7.3	7.01	8.63	59.88	63.88
Goodwill	2.24	2.24	2.24	16.87	16.87
Other Intangible Assets	5.86	5.51	5.51	32.15	25.76
Investments in Real Estate	1.97	2.83	2.84	35.18	41.25
Other Receivables	0.63	0.6	0.63	6.53	7.17
Restricted Cash	-	-	-	177.87	160.23
Other Current Assets	1.34	0.31	0.41	2.65	4.83
Long-Term Deferred Tax Assets	0.6	0.86	0.88	4.27	5.15
Other Real Estate Owned & Foreclosed	0.97	4.57	4.76	7.95	7.37
Other Long-Term Assets	1.5	1.06	0.41	2.66	6.04
Total Assets	723.07	680.92	607.3	4,199	3,937
Accounts Payable	0.42	0.49	0.95	3.32	3.16
Accrued Expenses	0.69	0.61	0.83	4.18	5.49
Interest Bearing Deposits	181.86	155.14	88.05	733.61	864.56
Non-Interest Bearing Deposits	388.76	376.82	377.28	2,404	1,931
Total Deposits	570.62	531.95	465.32	3,137	2,795
Current Portion of Long-Term Debt	40.04	5.75	9.89	56.27	122.47
Current Income Taxes Payable	0.87	0.61	0.36	0.27	0.6
Other Current Liabilities	1.11	0.24	0.5	1.53	1.91
Long-Term Debt	22.6	58.84	61.12	446.6	478.69
Long-Term Leases	4.27	4.25	4.72	14.37	15.21
Other Long-Term Liabilities	5.21	6.15	7.05	39.02	33.11
Total Liabilities	645.81	608.88	550.73	3,703	3,456
Common Stock	36.78	36.78	35.5	267.5	267.5
Additional Paid-In Capital	0.4	0.4	0.4	3.02	3.02
Retained Earnings	38.22	33.55	30.64	216.9	200.41
Treasury Stock	-0.16	-0.16	-0.16	-1.18	-1.18
Comprehensive Income & Other	2.02	1.47	-9.81	10.35	11.77
Shareholders' Equity	77.26	72.04	56.57	496.58	481.52
Total Liabilities & Equity	723.07	680.92	607.3	4,199	3,937
Total Debt	66.91	68.84	75.72	517.24	616.37
Net Cash (Debt)	174.25	128.02	79.49	404.21	339.15
Net Cash Growth	36.11%	61.06%	-80.34%	19.18%	79.95%
Net Cash Per Share	261.86	192.39	-	607.45	509.67
Filing Date Shares Outstanding	0.67	0.67	0.67	0.67	0.67
Total Common Shares Outstanding	0.67	0.67	0.67	0.67	0.67
Book Value Per Share	116.10	108.26	85.02	746.26	723.62
Tangible Book Value	69.16	64.29	48.82	447.57	438.89
Tangible Book Value Per Share	103.93	96.62	73.37	672.60	659.57

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