Zagrebacka banka d.d. Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2016 - 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2016 - 2020
Cash & Equivalents	891.41	944	808	834	5,149	4,441	Upgrade
Investment Securities	4,355	1,203	1,114	1,023	1,759	1,717	Upgrade
Trading Asset Securities	169.84	168	218	265	145.43	95.77	Upgrade
Total Investments	4,525	1,371	1,332	1,288	1,905	1,813	Upgrade
Gross Loans	18,030	19,243	16,680	14,915	13,357	13,101	Upgrade
Allowance for Loan Losses	-	-89	-126	-192	-643.48	-662.68	Upgrade
Other Adjustments to Gross Loans	-	-59	-48	-31	-27.28	-32.72	Upgrade
Net Loans	18,030	19,095	16,506	14,692	12,686	12,406	Upgrade
Property, Plant & Equipment	398.24	335	286	266	244.83	250.08	Upgrade
Goodwill	-	6	6	6	6.52	6.49	Upgrade
Other Intangible Assets	56.89	53	58	56	54.29	43.05	Upgrade
Investments in Real Estate	-	21	21	19	30.87	32.19	Upgrade
Accrued Interest Receivable	-	18	8	8	5.99	4.9	Upgrade
Other Receivables	62.6	1	-	-	-	-	Upgrade
Restricted Cash	3,225	3,934	5,394	6,318	814.46	720.04	Upgrade
Other Current Assets	0.43	2	1	17	101.13	63.18	Upgrade
Long-Term Deferred Tax Assets	-	70	86	101	55.35	48.61	Upgrade
Other Real Estate Owned & Foreclosed	-	-	-	-	0.4	0.53	Upgrade
Other Long-Term Assets	103.1	96	86	55	35.66	20.13	Upgrade
Total Assets	27,292	25,946	24,592	23,660	21,090	19,849	Upgrade
Accounts Payable	-	2	5	2	2.4	5.03	Upgrade
Accrued Expenses	-	93	89	37	65.47	61.06	Upgrade
Interest Bearing Deposits	22,665	5,510	5,335	4,977	4,708	5,341	Upgrade
Non-Interest Bearing Deposits	-	15,154	14,661	15,058	12,979	11,385	Upgrade
Total Deposits	22,665	20,664	19,996	20,035	17,687	16,726	Upgrade
Short-Term Borrowings	185.54	284	375	293	115.36	95.5	Upgrade
Current Portion of Long-Term Debt	-	31	9	6	-	-	Upgrade
Current Portion of Leases	-	-	-	-	3.59	4.37	Upgrade
Current Income Taxes Payable	13.74	18	38	36	0.53	-	Upgrade
Other Current Liabilities	-	31	22	-	58.28	-	Upgrade
Long-Term Debt	1,016	1,406	742	145	-	7.55	Upgrade
Long-Term Leases	-	19	22	-	7.58	8.74	Upgrade
Pension & Post-Retirement Benefits	-	6	6	4	8.78	7.81	Upgrade
Long-Term Deferred Tax Liabilities	-	-	-	-	0.53	-	Upgrade
Other Long-Term Liabilities	723.68	573	607	416	302.84	299.35	Upgrade
Total Liabilities	24,603	23,127	21,911	20,974	18,253	17,215	Upgrade
Common Stock	850.07	850	850	850	852.25	848.39	Upgrade
Additional Paid-In Capital	465.43	480	480	480	480.61	478.57	Upgrade
Retained Earnings	1,304	1,454	1,344	1,377	1,399	1,194	Upgrade
Treasury Stock	-0.28	-	-1	-	-0.27	-1.06	Upgrade
Comprehensive Income & Other	65.65	31	5	-24	103.52	110.6	Upgrade
Total Common Equity	2,685	2,815	2,678	2,683	2,835	2,630	Upgrade
Minority Interest	4.39	4	3	3	2.79	3.44	Upgrade
Shareholders' Equity	2,689	2,819	2,681	2,686	2,838	2,634	Upgrade
Total Liabilities & Equity	27,292	25,946	24,592	23,660	21,090	19,849	Upgrade
Total Debt	1,201	1,740	1,148	444	126.54	116.17	Upgrade
Net Cash (Debt)	-140.08	-628	-122	655	5,168	4,421	Upgrade
Net Cash Growth	-	-	-	-87.33%	16.90%	25.47%	Upgrade
Net Cash Per Share	-	-1.96	-0.38	2.05	16.14	13.81	Upgrade
Filing Date Shares Outstanding	-	320.22	320.17	320.22	320.21	320.12	Upgrade
Total Common Shares Outstanding	-	320.22	320.17	320.22	320.21	320.12	Upgrade
Book Value Per Share	-	8.79	8.36	8.38	8.85	8.22	Upgrade
Tangible Book Value	2,628	2,756	2,614	2,621	2,774	2,581	Upgrade
Tangible Book Value Per Share	-	8.61	8.16	8.19	8.66	8.06	Upgrade

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