Podravska banka d.d. Balance Sheet

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
Cash & Equivalents	9.61	219.51	179.88	150.23	99.01	102.26
Investment Securities	186.81	164.75	157.47	112.89	103.22	94.59
Trading Asset Securities	-	0.11	1.5	4.29	22.8	24.31
Total Investments	186.81	164.87	158.97	117.18	126.02	118.9
Gross Loans	321.58	345.15	348.04	344.46	314.96	285.23
Allowance for Loan Losses	-	-28.85	-30.95	-30.86	-27.26	-29.69
Net Loans	321.58	316.3	317.09	313.6	287.7	255.54
Property, Plant & Equipment	7.49	7.3	7.01	8.63	7.97	8.46
Goodwill	2.24	2.24	2.24	2.24	2.24	2.23
Other Intangible Assets	5.72	5.86	5.51	5.51	4.28	3.41
Investments in Real Estate	1.9	1.97	2.83	2.84	4.68	5.46
Other Receivables	0.56	0.63	0.6	0.63	0.87	0.95
Restricted Cash	186.37	-	-	-	23.67	21.22
Other Current Assets	1.56	1.34	0.31	0.41	0.35	0.64
Long-Term Deferred Tax Assets	-	0.6	0.86	0.88	0.57	0.68
Other Real Estate Owned & Foreclosed	-	0.97	4.57	4.76	1.06	0.98
Other Long-Term Assets	1.02	1.5	1.06	0.41	0.35	0.8
Total Assets	724.85	723.07	680.92	607.3	558.77	521.54
Accounts Payable	-	0.42	0.49	0.95	0.44	0.42
Accrued Expenses	-	0.69	0.61	0.83	0.56	0.73
Interest Bearing Deposits	616.69	181.86	155.14	88.05	97.61	114.52
Non-Interest Bearing Deposits	-	388.76	376.82	377.28	319.83	255.74
Total Deposits	616.69	570.62	531.95	465.32	417.45	370.25
Current Portion of Long-Term Debt	-	40.04	5.75	9.89	7.49	16.22
Current Income Taxes Payable	0.14	0.87	0.61	0.36	0.04	0.08
Other Current Liabilities	-	1.11	0.24	0.5	0.2	0.25
Long-Term Debt	15.45	22.6	58.84	61.12	59.42	63.41
Long-Term Leases	-	4.27	4.25	4.72	1.91	2.01
Other Long-Term Liabilities	13.21	5.21	6.15	7.05	5.19	4.38
Total Liabilities	645.49	645.81	608.88	550.73	492.7	457.76
Common Stock	36.78	36.78	36.78	35.5	35.59	35.43
Additional Paid-In Capital	0.4	0.4	0.4	0.4	0.4	0.4
Retained Earnings	1.46	38.22	33.55	30.64	28.86	26.55
Treasury Stock	-0.16	-0.16	-0.16	-0.16	-0.16	-0.16
Comprehensive Income & Other	40.87	2.02	1.47	-9.81	1.38	1.56
Shareholders' Equity	79.36	77.26	72.04	56.57	66.08	63.78
Total Liabilities & Equity	724.85	723.07	680.92	607.3	558.77	521.54
Total Debt	15.45	66.91	68.84	75.72	68.82	81.64
Net Cash (Debt)	4.91	174.25	128.02	79.49	53.78	44.92
Net Cash Growth	-	36.11%	61.06%	47.78%	19.73%	77.37%
Net Cash Per Share	7.38	261.86	192.39	-	80.83	67.51
Filing Date Shares Outstanding	0.67	0.67	0.67	0.67	0.67	0.67
Total Common Shares Outstanding	0.67	0.67	0.67	0.67	0.67	0.67
Book Value Per Share	119.26	116.10	108.26	85.02	99.30	95.85
Tangible Book Value	71.4	69.16	64.29	48.82	59.55	58.13
Tangible Book Value Per Share	107.30	103.93	96.62	73.37	89.50	87.36

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