Zagrebacka banka d.d. Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Interest Income on Loans	898	955	813	452	422.73
Interest Income on Investments	3	1	1	-	4.66
Total Interest Income	901	956	814	452	427.39
Interest Paid on Deposits	205	231	125	47	47.64
Net Interest Income	696	725	689	405	379.75
Net Interest Income Growth (YoY)	-4.00%	5.22%	70.12%	6.65%	-6.70%
Gain (Loss) on Sale of Assets	-	-	-	1	0.4
Gain (Loss) on Sale of Investments	-	-3	-8	-	4.52
Other Non-Interest Income	347	315	278	289	258.8
Total Non-Interest Income	347	312	270	290	263.72
Non-Interest Income Growth (YoY)	11.22%	15.56%	-6.90%	9.96%	11.54%
Revenues Before Loan Losses	1,043	1,037	959	695	643.48
Provision for Loan Losses	-12	-27	-31	21	42.31
Revenue	1,055	1,064	990	674	601.16
Revenue Growth (YoY)	-0.85%	7.47%	46.88%	12.12%	14.81%
Occupancy Expenses	62	61	60	51	50.43
Selling, General & Administrative	-	-	-	-	10.38
Other Non-Interest Expense	309	313	291	283	271.71
Total Non-Interest Expense	367	369	348	331	329.59
EBT Excluding Unusual Items	688	695	642	343	271.58
Asset Writedown	-	2	-	3	-10.25
Legal Settlements	-2	-31	-28	-45	-15.97
Pretax Income	686	666	614	301	245.36
Income Tax Expense	114	110	105	53	45.91
Earnings From Continuing Operations	572	556	509	248	199.46
Minority Interest in Earnings	-1	-1	-1	-	-0.4
Net Income	571	555	508	248	199.06
Net Income to Common	571	555	508	248	199.06
Net Income Growth	2.88%	9.25%	104.84%	24.59%	49.98%
Basic Shares Outstanding	320	320	320	320	320
Diluted Shares Outstanding	320	320	320	320	320
Shares Change (YoY)	0.01%	0.00%	0.02%	0.01%	0.04%
EPS (Basic)	1.78	1.73	1.59	0.77	0.62
EPS (Diluted)	1.78	1.73	1.59	0.77	0.62
EPS Growth	2.87%	9.25%	104.80%	24.57%	49.92%
Dividend Per Share	-	1.400	1.400	1.690	0.834
Dividend Growth	-	-	-17.16%	102.57%	-
Effective Tax Rate	16.62%	16.52%	17.10%	17.61%	18.71%

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