Zagrebacka banka d.d. (ZSE:ZABA)

Zagrebacka banka d.d. Balance Sheet

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
Cash & Equivalents	944	808	834	38,700	33,531
Investment Securities	1,203	1,114	1,023	13,222	12,965
Trading Asset Securities	168	218	265	1,093	723
Total Investments	1,371	1,332	1,288	14,315	13,688
Gross Loans	19,243	16,680	14,915	100,385	98,907
Allowance for Loan Losses	-89	-126	-192	-4,836	-5,003
Other Adjustments to Gross Loans	-59	-48	-31	-205	-247
Net Loans	19,095	16,506	14,692	95,344	93,657
Property, Plant & Equipment	335	286	266	1,840	1,888
Goodwill	6	6	6	49	49
Other Intangible Assets	53	58	56	408	325
Investments in Real Estate	21	21	19	232	243
Accrued Interest Receivable	18	8	8	45	37
Other Receivables	1	-	-	-	-
Restricted Cash	3,934	5,394	6,318	6,121	5,436
Other Current Assets	2	1	17	760	477
Long-Term Deferred Tax Assets	70	86	101	416	367
Other Real Estate Owned & Foreclosed	-	-	-	3	4
Other Long-Term Assets	96	86	55	268	152
Total Assets	25,946	24,592	23,660	158,501	149,854
Accounts Payable	2	5	2	18	38
Accrued Expenses	93	89	37	492	461
Interest Bearing Deposits	5,510	5,335	4,977	35,386	40,321
Non-Interest Bearing Deposits	15,154	14,661	15,058	97,541	85,954
Total Deposits	20,664	19,996	20,035	132,927	126,275
Short-Term Borrowings	284	375	293	867	721
Current Portion of Long-Term Debt	31	9	6	-	-
Current Portion of Leases	-	-	-	27	33
Current Income Taxes Payable	18	38	36	4	-
Other Current Liabilities	31	22	-	438	-
Long-Term Debt	1,406	742	145	-	57
Long-Term Leases	19	22	-	57	66
Pension & Post-Retirement Benefits	6	6	4	66	59
Long-Term Deferred Tax Liabilities	-	-	-	4	-
Other Long-Term Liabilities	573	607	416	2,276	2,260
Total Liabilities	23,127	21,911	20,974	137,176	129,970
Common Stock	850	850	850	6,405	6,405
Additional Paid-In Capital	480	480	480	3,612	3,613
Retained Earnings	1,454	1,344	1,377	10,511	9,013
Treasury Stock	-	-1	-	-2	-8
Comprehensive Income & Other	31	5	-24	778	835
Total Common Equity	2,815	2,678	2,683	21,304	19,858
Minority Interest	4	3	3	21	26
Shareholders' Equity	2,819	2,681	2,686	21,325	19,884
Total Liabilities & Equity	25,946	24,592	23,660	158,501	149,854
Total Debt	1,740	1,148	444	951	877
Net Cash (Debt)	-628	-122	655	38,842	33,377
Net Cash Growth	-	-	-98.31%	16.37%	27.30%
Net Cash Per Share	-1.96	-0.38	2.05	121.32	104.29
Filing Date Shares Outstanding	320.22	320.17	320.22	320.21	320.12
Total Common Shares Outstanding	320.22	320.17	320.22	320.21	320.12
Book Value Per Share	8.79	8.36	8.38	66.53	62.03
Tangible Book Value	2,756	2,614	2,621	20,847	19,484
Tangible Book Value Per Share	8.61	8.16	8.19	65.10	60.87

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