Zagrebacka banka d.d. (ZSE: ZABA)

Zagrebacka banka d.d. Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	963.02	808	834	38,700	33,531	26,149
Investment Securities	3,003	1,114	1,023	13,222	12,965	13,988
Trading Asset Securities	165.32	218	265	1,093	723	1,659
Total Investments	3,168	1,332	1,288	14,315	13,688	15,647
Gross Loans	17,145	16,680	14,915	100,385	98,907	98,699
Allowance for Loan Losses	-	-126	-192	-4,836	-5,003	-4,180
Other Adjustments to Gross Loans	-	-48	-31	-205	-247	-329
Net Loans	17,145	16,506	14,692	95,344	93,657	94,190
Property, Plant & Equipment	362.16	286	266	1,840	1,888	1,932
Goodwill	-	6	6	49	49	49
Other Intangible Assets	56	58	56	408	325	311
Investments in Real Estate	-	21	19	232	243	197
Accrued Interest Receivable	-	8	8	45	37	38
Other Receivables	71.8	-	-	-	-	-
Restricted Cash	3,554	5,394	6,318	6,121	5,436	6,317
Other Current Assets	-	1	17	760	477	91
Long-Term Deferred Tax Assets	-	86	101	416	367	423
Other Real Estate Owned & Foreclosed	-	-	-	3	4	55
Other Long-Term Assets	109.1	86	55	268	152	168
Total Assets	25,430	24,592	23,660	158,501	149,854	145,567
Accounts Payable	-	5	2	18	38	20
Accrued Expenses	-	37	37	492	461	616
Interest Bearing Deposits	21,218	6,032	4,977	35,386	40,321	49,040
Non-Interest Bearing Deposits	-	14,661	15,058	97,541	85,954	73,020
Total Deposits	21,218	20,693	20,035	132,927	126,275	122,060
Short-Term Borrowings	208.85	375	293	867	721	1,447
Current Portion of Long-Term Debt	-	9	6	-	-	-
Current Portion of Leases	-	-	-	27	33	34
Current Income Taxes Payable	23	38	36	4	-	272
Other Current Liabilities	-	-	-	438	-	-
Long-Term Debt	595	142	145	-	57	55
Long-Term Leases	-	-	-	57	66	52
Pension & Post-Retirement Benefits	-	5	4	66	59	79
Long-Term Deferred Tax Liabilities	-	-	-	4	-	8
Other Long-Term Liabilities	678.02	607	416	2,276	2,260	1,885
Total Liabilities	22,723	21,911	20,974	137,176	129,970	126,528
Common Stock	850.07	850	850	6,405	6,405	6,405
Additional Paid-In Capital	465.25	480	480	3,612	3,613	3,614
Retained Earnings	1,344	1,344	1,377	10,511	9,013	8,021
Treasury Stock	-0.27	-1	-	-2	-8	-20
Comprehensive Income & Other	43.96	5	-24	778	835	992
Total Common Equity	2,703	2,678	2,683	21,304	19,858	19,012
Minority Interest	3.79	3	3	21	26	27
Shareholders' Equity	2,707	2,681	2,686	21,325	19,884	19,039
Total Liabilities & Equity	25,430	24,592	23,660	158,501	149,854	145,567
Total Debt	803.85	526	444	951	877	1,588
Net Cash (Debt)	324.5	500	655	38,842	33,377	26,220
Net Cash Growth	-56.97%	-23.66%	-98.31%	16.37%	27.30%	11.46%
Net Cash Per Share	-	1.56	2.05	121.32	104.29	81.96
Filing Date Shares Outstanding	-	320.17	320.22	320.21	320.12	319.92
Total Common Shares Outstanding	-	320.17	320.22	320.21	320.12	319.92
Book Value Per Share	-	8.36	8.38	66.53	62.03	59.43
Tangible Book Value	2,647	2,614	2,621	20,847	19,484	18,652
Tangible Book Value Per Share	-	8.16	8.19	65.10	60.87	58.30

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