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 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	8.15	179.88	150.23	744.11	771.99	408.15
Investment Securities	160.04	157.47	112.89	775.75	714.12	685.96
Trading Asset Securities	-	1.5	4.29	171.33	183.53	137.85
Total Investments	160.04	158.97	117.18	947.08	897.66	823.81
Gross Loans	331.6	348.04	344.46	2,367	2,153	2,250
Allowance for Loan Losses	-	-30.95	-30.86	-204.85	-224.12	-222.83
Net Loans	331.6	317.09	313.6	2,162	1,929	2,027
Property, Plant & Equipment	7.44	7.01	8.63	59.88	63.88	57.4
Goodwill	2.24	2.24	2.24	16.87	16.87	16.87
Other Intangible Assets	6.01	5.51	5.51	32.15	25.76	26.47
Investments in Real Estate	2.76	2.83	2.84	35.18	41.25	41.38
Other Receivables	0.83	0.6	0.63	6.53	7.17	4.58
Restricted Cash	151.35	-	-	177.87	160.23	198.95
Other Current Assets	4.58	0.31	0.41	2.65	4.83	4.2
Long-Term Deferred Tax Assets	-	0.86	0.88	4.27	5.15	3.94
Other Real Estate Owned & Foreclosed	-	4.57	4.76	7.95	7.37	3.96
Other Long-Term Assets	0.79	1.06	0.41	2.66	6.04	1.86
Total Assets	675.78	680.92	607.3	4,199	3,937	3,618
Accounts Payable	-	-	0.95	3.32	3.16	2.78
Accrued Expenses	-	-	0.83	4.18	5.49	5.54
Interest Bearing Deposits	571.42	155.14	88.05	733.61	864.56	1,068
Non-Interest Bearing Deposits	-	376.82	377.28	2,404	1,931	1,647
Total Deposits	571.42	531.95	465.32	3,137	2,795	2,714
Current Portion of Long-Term Debt	-	5.75	9.89	56.27	122.47	95.16
Current Income Taxes Payable	0.09	-	0.36	0.27	0.6	3.32
Other Current Liabilities	-	-	0.5	1.53	1.91	1.73
Long-Term Debt	16.37	58.84	61.12	446.6	478.69	262.38
Long-Term Leases	-	-	4.72	14.37	15.21	-
Other Long-Term Liabilities	12.92	12.35	7.05	39.02	33.11	57.61
Total Liabilities	600.8	608.88	550.73	3,703	3,456	3,143
Common Stock	36.78	36.78	35.5	267.5	267.5	267.5
Additional Paid-In Capital	0.4	0.4	0.4	3.02	3.02	3.02
Retained Earnings	-	33.55	30.64	216.9	200.41	187.8
Treasury Stock	-0.16	-0.16	-0.16	-1.18	-1.18	-1.39
Comprehensive Income & Other	37.96	1.47	-9.81	10.35	11.77	18.8
Shareholders' Equity	74.98	72.04	56.57	496.58	481.52	475.73
Total Liabilities & Equity	675.78	680.92	607.3	4,199	3,937	3,618
Total Debt	16.37	64.58	75.72	517.24	616.37	357.53
Net Cash (Debt)	-0.49	132.27	79.49	404.21	339.15	188.47
Net Cash Growth	-	66.41%	-80.34%	19.19%	79.95%	-19.42%
Net Cash Per Share	-0.73	197.79	118.86	607.45	509.67	281.82
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	112.68	108.26	85.02	746.26	723.62	712.60
Tangible Book Value	66.73	64.29	48.82	447.57	438.89	432.39
Tangible Book Value Per Share	100.28	96.62	73.37	672.60	659.57	647.69

Source: S&P Capital IQ. Banks template. Financial Sources.