Slatinska Banka d.d. (ZSE:SNBA)

Slatinska Banka d.d. Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	11.57	9.75	7.19	52.67	55.26
Total Interest Income	11.57	9.75	7.19	52.67	55.26
Interest Paid on Deposits	3.02	0.92	0.34	3.41	6.16
Net Interest Income	8.55	8.82	6.85	49.26	49.1
Net Interest Income Growth (YoY)	-3.11%	28.81%	-86.10%	0.32%	-5.50%
Income From Trading Activities	0.03	-	-	-	-
Gain (Loss) on Sale of Assets	-	0.02	-0.01	0.1	-0.34
Gain (Loss) on Sale of Investments	-	0.01	0.29	1.94	-0.6
Other Non-Interest Income	2.03	1.38	1.29	9.03	9.95
Total Non-Interest Income	2.05	1.41	1.56	11.07	9
Non-Interest Income Growth (YoY)	45.74%	-9.97%	-85.87%	22.99%	-73.88%
Revenues Before Loan Losses	10.6	10.23	8.41	60.33	58.1
Provision for Loan Losses	0.15	0.79	0.41	8.65	10.28
Revenue	10.45	9.44	8.01	51.67	47.82
Revenue Growth (YoY)	10.71%	17.91%	-84.51%	8.06%	-8.37%
Occupancy Expenses	0.72	0.6	0.55	4.07	4.45
Selling, General & Administrative	8.36	7.08	5.79	40.97	37.61
Other Non-Interest Expense	0.09	0.48	0.49	1.8	4.87
Total Non-Interest Expense	9.17	8.15	6.83	46.84	46.92
EBT Excluding Unusual Items	1.28	1.29	1.17	4.84	0.9
Asset Writedown	-	-	-0.01	-	-
Legal Settlements	-	-	-	0.26	1.39
Pretax Income	1.28	1.29	1.17	5.1	2.29
Income Tax Expense	0.26	0.39	0.36	1.36	0.93
Net Income	1.01	0.9	0.81	3.74	1.36
Net Income to Common	1.01	0.9	0.81	3.74	1.36
Net Income Growth	12.76%	11.11%	-78.32%	175.52%	-40.24%
Basic Shares Outstanding	-	1	1	1	1
Diluted Shares Outstanding	-	1	1	1	1
EPS (Basic)	-	1.06	0.96	4.41	1.60
EPS (Diluted)	-	1.06	0.96	4.41	1.60
EPS Growth	-	11.11%	-78.32%	175.52%	-40.24%
Effective Tax Rate	20.64%	30.02%	30.53%	26.72%	40.76%

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