Podravska banka d.d. Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 24, 2026	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
Market Capitalization	60	55	21	18	20	16
Market Cap Growth	193.10%	164.52%	15.72%	-12.43%	28.44%	-11.74%
Last Close Price	89.50	78.27	27.51	23.77	27.15	21.32
PE Ratio	8.49	7.26	5.09	11.04	10.04	10.12
PS Ratio	2.48	2.28	1.07	1.14	1.35	1.07
PB Ratio	0.75	0.71	0.29	0.32	0.31	0.25
P/FCF Ratio	-	7.98	-	6.77	-	0.86
P/OCF Ratio	-	7.24	-	6.18	-	0.81
Debt / Equity Ratio	0.20	0.87	0.96	1.34	1.04	1.28
Debt / FCF Ratio	-	9.78	-	28.75	-	4.43
Net Debt / Equity Ratio	-0.06	-2.25	-1.78	-1.40	-0.81	-0.70
Net Debt / FCF Ratio	1.36	-25.47	85.01	-30.18	1.71	-2.44
Return on Equity (ROE)	9.09%	10.08%	6.30%	2.64%	3.12%	2.47%
Return on Assets (ROA)	1.00%	1.07%	0.63%	0.28%	0.37%	0.31%
Earnings Yield	11.76%	13.78%	19.64%	9.06%	9.96%	9.88%
FCF Yield	-6.09%	12.54%	-7.30%	14.78%	-154.33%	116.27%
Dividend Yield	5.59%	6.39%	16.36%	-	-	-
Buyback Yield / Dilution	-	-	-	-	-	0.50%
Total Shareholder Return	5.59%	6.39%	16.36%	-	-	0.50%

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