Podravska banka d.d. (ZSE:PDBA)

Podravska banka d.d. Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	200.29	253.39	219.51	179.88	150.23	99.01
Investment Securities	171.94	186.16	164.75	157.47	112.89	103.22
Trading Asset Securities	-	-	0.11	1.5	4.29	22.8
Total Investments	171.94	186.16	164.87	158.97	117.18	126.02
Gross Loans	372.3	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	372.3	303.15	316.3	317.09	313.6	287.7
Property, Plant & Equipment	8.2	7.54	7.3	7.01	8.63	7.97
Goodwill	-	2.24	2.24	2.24	2.24	2.24
Other Intangible Assets	8.13	5.98	5.86	5.51	5.51	4.28
Investments in Real Estate	2.59	1.9	1.97	2.83	2.84	4.68
Other Receivables	1.79	2.19	0.63	0.6	0.63	0.87
Restricted Cash	-	-	-	-	-	23.67
Other Current Assets	0.74	1.47	1.34	0.31	0.41	0.35
Long-Term Deferred Tax Assets	1.62	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	0.15	2.09	1.5	1.06	0.41	0.35
Total Assets	767.76	767.76	723.07	680.92	607.3	558.77

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	0.51	0.42	0.49	0.95	0.44
Accrued Expenses	-	0.64	0.69	0.61	0.83	0.56
Interest Bearing Deposits	225.71	217.38	181.86	155.14	88.05	97.61
Non-Interest Bearing Deposits	405.91	438.58	388.76	376.82	377.28	319.83
Total Deposits	631.62	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	0.01	-	0.87	0.61	0.36	0.04
Other Current Liabilities	-	1.9	1.11	0.24	0.5	0.2
Long-Term Debt	45.2	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	15.93	6.57	5.21	6.15	7.05	5.19
Total Liabilities	692.75	695.85	645.81	608.88	550.73	492.7

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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	35.2	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	2.78	2.45	2.02	1.47	-9.81	1.38
Shareholders' Equity	75	71.91	77.26	72.04	56.57	66.08
Total Liabilities & Equity	767.76	767.76	723.07	680.92	607.3	558.77

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	45.2	30.28	66.91	68.84	75.72	68.82
Net Cash (Debt)	155.09	240.52	174.25	128.02	79.49	53.78
Net Cash Growth	3058.20%	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	66.87	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

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 4, 2026

Data Sources Report a data error