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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	191.06	253.39	219.51	179.88	150.23	99.01
Investment Securities	163.82	186.16	164.75	157.47	112.89	103.22
Trading Asset Securities	-	-	0.11	1.5	4.29	22.8
Total Investments	163.82	186.16	164.87	158.97	117.18	126.02
Gross Loans	345.1	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	345.1	303.15	316.3	317.09	313.6	287.7
Property, Plant & Equipment	10.33	7.54	7.3	7.01	8.63	7.97
Goodwill	-	2.24	2.24	2.24	2.24	2.24
Other Intangible Assets	8.39	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	1.78	2.19	0.63	0.6	0.63	0.87
Restricted Cash	-	-	-	-	-	23.67
Other Current Assets	0.97	1.47	1.34	0.31	0.41	0.35
Long-Term Deferred Tax Assets	1.56	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	0.87	2.09	1.5	1.06	0.41	0.35
Total Assets	723.88	767.76	723.07	680.92	607.3	558.77
Accounts Payable	-	0.51	0.42	0.49	0.95	0.44
Accrued Expenses	0.16	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	620.49	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	29.85	6.57	5.21	6.15	7.05	5.19
Total Liabilities	651.24	695.85	645.81	608.88	550.73	492.7
Common Stock	36.78	36.78	36.78	36.78	35.5	35.59
Additional Paid-In Capital	0.4	0.4	0.4	0.4	0.4	0.4
Retained Earnings	2.72	32.43	38.22	33.55	30.64	28.86
Treasury Stock	-0.16	-0.16	-0.16	-0.16	-0.16	-0.16
Comprehensive Income & Other	32.9	2.45	2.02	1.47	-9.81	1.38
Shareholders' Equity	72.64	71.91	77.26	72.04	56.57	66.08
Total Liabilities & Equity	723.88	767.76	723.07	680.92	607.3	558.77
Total Debt	620.49	30.28	66.91	68.84	75.72	68.82
Net Cash (Debt)	-429.43	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	64.25	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

Source: S&P Global Market Intelligence. Banks template. Financial Sources.