Podravska banka d.d. Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	253.39	219.51	179.88	150.23	99.01
Investment Securities	186.16	164.75	157.47	112.89	103.22
Trading Asset Securities	-	0.11	1.5	4.29	22.8
Total Investments	186.16	164.87	158.97	117.18	126.02
Gross Loans	330.5	345.15	348.04	344.46	314.96
Allowance for Loan Losses	-27.35	-28.85	-30.95	-30.86	-27.26
Net Loans	303.15	316.3	317.09	313.6	287.7
Property, Plant & Equipment	7.54	7.3	7.01	8.63	7.97
Goodwill	2.24	2.24	2.24	2.24	2.24
Other Intangible Assets	5.98	5.86	5.51	5.51	4.28
Investments in Real Estate	1.9	1.97	2.83	2.84	4.68
Other Receivables	2.19	0.63	0.6	0.63	0.87
Restricted Cash	-	-	-	-	23.67
Other Current Assets	1.47	1.34	0.31	0.41	0.35
Long-Term Deferred Tax Assets	1.43	0.6	0.86	0.88	0.57
Other Real Estate Owned & Foreclosed	0.21	0.97	4.57	4.76	1.06
Other Long-Term Assets	2.09	1.5	1.06	0.41	0.35
Total Assets	767.76	723.07	680.92	607.3	558.77
Accounts Payable	0.51	0.42	0.49	0.95	0.44
Accrued Expenses	0.64	0.69	0.61	0.83	0.56
Interest Bearing Deposits	217.38	181.86	155.14	88.05	97.61
Non-Interest Bearing Deposits	438.58	388.76	376.82	377.28	319.83
Total Deposits	655.96	570.62	531.95	465.32	417.45
Current Portion of Long-Term Debt	5.12	40.04	5.75	9.89	7.49
Current Income Taxes Payable	-	0.87	0.61	0.36	0.04
Other Current Liabilities	1.9	1.11	0.24	0.5	0.2
Long-Term Debt	21.2	22.6	58.84	61.12	59.42
Long-Term Leases	3.97	4.27	4.25	4.72	1.91
Other Long-Term Liabilities	6.57	5.21	6.15	7.05	5.19
Total Liabilities	695.85	645.81	608.88	550.73	492.7
Common Stock	36.78	36.78	36.78	35.5	35.59
Additional Paid-In Capital	0.4	0.4	0.4	0.4	0.4
Retained Earnings	32.43	38.22	33.55	30.64	28.86
Treasury Stock	-0.16	-0.16	-0.16	-0.16	-0.16
Comprehensive Income & Other	2.45	2.02	1.47	-9.81	1.38
Shareholders' Equity	71.91	77.26	72.04	56.57	66.08
Total Liabilities & Equity	767.76	723.07	680.92	607.3	558.77
Total Debt	30.28	66.91	68.84	75.72	68.82
Net Cash (Debt)	240.52	174.25	128.02	79.49	53.78
Net Cash Growth	38.03%	36.11%	61.06%	47.78%	19.73%
Net Cash Per Share	361.45	261.86	192.39	-	80.83
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	108.06	116.10	108.26	85.02	99.30
Tangible Book Value	63.69	69.16	64.29	48.82	59.55
Tangible Book Value Per Share	95.71	103.93	96.62	73.37	89.50

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