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	10.59	219.51	179.88	150.23	99.01
Investment Securities	187.26	164.75	157.47	112.89	103.22
Trading Asset Securities	-	0.11	1.5	4.29	22.8
Total Investments	187.26	164.87	158.97	117.18	126.02
Gross Loans	330.53	345.15	348.04	344.46	314.96
Allowance for Loan Losses	-	-28.85	-30.95	-30.86	-27.26
Net Loans	330.53	316.3	317.09	313.6	287.7
Property, Plant & Equipment	7.53	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	3.21	0.63	0.6	0.63	0.87
Restricted Cash	217.07	-	-	-	23.67
Other Current Assets	0.97	1.34	0.31	0.41	0.35
Long-Term Deferred Tax Assets	-	0.6	0.86	0.88	0.57
Other Real Estate Owned & Foreclosed	-	0.97	4.57	4.76	1.06
Other Long-Term Assets	0.63	1.5	1.06	0.41	0.35
Total Assets	767.92	723.07	680.92	607.3	558.77
Accounts Payable	-	0.42	0.49	0.95	0.44
Accrued Expenses	-	0.69	0.61	0.83	0.56
Interest Bearing Deposits	666.84	181.86	155.14	88.05	97.61
Non-Interest Bearing Deposits	-	388.76	376.82	377.28	319.83
Total Deposits	666.84	570.62	531.95	465.32	417.45
Current Portion of Long-Term Debt	-	40.04	5.75	9.89	7.49
Current Income Taxes Payable	0.16	0.87	0.61	0.36	0.04
Other Current Liabilities	-	1.11	0.24	0.5	0.2
Long-Term Debt	15.43	22.6	58.84	61.12	59.42
Long-Term Leases	-	4.27	4.25	4.72	1.91
Other Long-Term Liabilities	13.58	5.21	6.15	7.05	5.19
Total Liabilities	696.01	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	-	38.22	33.55	30.64	28.86
Treasury Stock	-0.16	-0.16	-0.16	-0.16	-0.16
Comprehensive Income & Other	34.88	2.02	1.47	-9.81	1.38
Shareholders' Equity	71.91	77.26	72.04	56.57	66.08
Total Liabilities & Equity	767.92	723.07	680.92	607.3	558.77
Total Debt	15.43	66.91	68.84	75.72	68.82
Net Cash (Debt)	11.86	174.25	128.02	79.49	53.78
Net Cash Growth	-93.19%	36.11%	61.06%	47.78%	19.73%
Net Cash Per Share	17.83	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.