Podravska banka d.d. (ZSE:PDBA)

Podravska banka d.d. Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	8.94	219.51	179.88	150.23	99.01	102.26
Investment Securities	153.5	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	153.5	164.87	158.97	117.18	126.02	118.9
Gross Loans	307.44	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	307.44	316.3	317.09	313.6	287.7	255.54
Property, Plant & Equipment	7.54	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	5.7	5.86	5.51	5.51	4.28	3.41
Investments in Real Estate	1.94	1.97	2.83	2.84	4.68	5.46
Other Receivables	0.57	0.63	0.6	0.63	0.87	0.95
Restricted Cash	172.67	-	-	-	23.67	21.22
Other Current Assets	1.66	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	0.72	1.5	1.06	0.41	0.35	0.8
Total Assets	662.92	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	554.13	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	554.13	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	0.87	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	16.36	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	12.3	5.21	6.15	7.05	5.19	4.38
Total Liabilities	583.67	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	-	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	42.23	2.02	1.47	-9.81	1.38	1.56
Shareholders' Equity	79.25	77.26	72.04	56.57	66.08	63.78
Total Liabilities & Equity	662.92	723.07	680.92	607.3	558.77	521.54
Total Debt	16.36	66.91	68.84	75.72	68.82	81.64
Net Cash (Debt)	7.12	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	10.70	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	119.10	116.10	108.26	85.02	99.30	95.85
Tangible Book Value	71.32	69.16	64.29	48.82	59.55	58.13
Tangible Book Value Per Share	107.18	103.93	96.62	73.37	89.50	87.36

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