Zagrebacka banka d.d. (ZSE:ZABA)

Zagrebacka banka d.d. Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	908.7	955	813	452	422.73	467.71
Interest Income on Investments	3.27	1	1	-	4.66	0.13
Total Interest Income	911.97	956	814	452	427.39	467.84
Interest Paid on Deposits	210.32	231	125	47	47.64	60.8
Net Interest Income	701.65	725	689	405	379.75	407.04
Net Interest Income Growth (YoY)	-3.95%	5.22%	70.12%	6.65%	-6.70%	-13.06%
Gain (Loss) on Sale of Assets	-	-	-	1	0.4	0.26
Gain (Loss) on Sale of Investments	-1.2	-3	-8	-	4.52	13.11
Other Non-Interest Income	359.77	315	278	289	258.8	223.06
Total Non-Interest Income	340.71	312	270	290	263.72	236.44
Non-Interest Income Growth (YoY)	13.42%	15.56%	-6.90%	9.96%	11.54%	-20.35%
Revenues Before Loan Losses	1,042	1,037	959	695	643.48	643.48
Provision for Loan Losses	7.45	-27	-31	21	42.31	119.87
Revenue	1,035	1,064	990	674	601.16	523.6
Revenue Growth (YoY)	-0.99%	7.47%	46.88%	12.12%	14.81%	-26.86%
Occupancy Expenses	62.28	61	60	51	50.43	52.59
Selling, General & Administrative	-1.83	-	-	-	10.38	9.4
Other Non-Interest Expense	302.37	313	291	283	271.71	278.29
Total Non-Interest Expense	358.22	369	348	331	329.59	337.37
EBT Excluding Unusual Items	676.69	695	642	343	271.58	186.23
Asset Writedown	2.28	2	-	3	-10.25	-1.46
Legal Settlements	-31	-31	-28	-45	-15.97	-5.56
Pretax Income	647.98	666	614	301	245.36	159.08
Income Tax Expense	105.58	110	105	53	45.91	26.09
Earnings From Continuing Operations	542.4	556	509	248	199.46	132.99
Minority Interest in Earnings	-1.05	-1	-1	-	-0.4	-0.26
Net Income	541.35	555	508	248	199.06	132.72
Net Income to Common	541.35	555	508	248	199.06	132.72
Net Income Growth	-3.25%	9.25%	104.84%	24.59%	49.98%	-43.69%
Basic Shares Outstanding	-	320	320	320	320	320
Diluted Shares Outstanding	-	320	320	320	320	320
Shares Change (YoY)	-	0.00%	0.02%	0.01%	0.04%	0.03%
EPS (Basic)	-	1.73	1.59	0.77	0.62	0.41
EPS (Diluted)	-	1.73	1.59	0.77	0.62	0.41
EPS Growth	-	9.25%	104.80%	24.57%	49.92%	-43.71%
Dividend Per Share	-	1.400	1.400	1.690	0.834	-
Dividend Growth	-	-	-17.16%	102.57%	-	-
Effective Tax Rate	16.29%	16.52%	17.10%	17.61%	18.71%	16.40%

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