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
Period Ending	Sep '25 Sep 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
Cash & Equivalents	899.57	944	808	834	5,149	4,441
Investment Securities	4,955	1,203	1,114	1,023	1,759	1,717
Trading Asset Securities	136.89	168	218	265	145.43	95.77
Total Investments	5,092	1,371	1,332	1,288	1,905	1,813
Gross Loans	18,444	19,243	16,680	14,915	13,357	13,101
Allowance for Loan Losses	-	-89	-126	-192	-643.48	-662.68
Other Adjustments to Gross Loans	-	-59	-48	-31	-27.28	-32.72
Net Loans	18,444	19,095	16,506	14,692	12,686	12,406
Property, Plant & Equipment	360.98	335	286	266	244.83	250.08
Goodwill	-	6	6	6	6.52	6.49
Other Intangible Assets	56.41	53	58	56	54.29	43.05
Investments in Real Estate	-	21	21	19	30.87	32.19
Accrued Interest Receivable	-	18	8	8	5.99	4.9
Other Receivables	57.76	1	-	-	-	-
Restricted Cash	3,216	3,934	5,394	6,318	814.46	720.04
Other Current Assets	-	2	1	17	101.13	63.18
Long-Term Deferred Tax Assets	-	70	86	101	55.35	48.61
Other Real Estate Owned & Foreclosed	-	-	-	-	0.4	0.53
Other Long-Term Assets	107.81	96	86	55	35.66	20.13
Total Assets	28,236	25,946	24,592	23,660	21,090	19,849
Accounts Payable	-	2	5	2	2.4	5.03
Accrued Expenses	-	93	89	37	65.47	61.06
Interest Bearing Deposits	23,246	5,510	5,335	4,977	4,708	5,341
Non-Interest Bearing Deposits	-	15,154	14,661	15,058	12,979	11,385
Total Deposits	23,246	20,664	19,996	20,035	17,687	16,726
Short-Term Borrowings	175.29	284	375	293	115.36	95.5
Current Portion of Long-Term Debt	-	31	9	6	-	-
Current Portion of Leases	-	-	-	-	3.59	4.37
Current Income Taxes Payable	11.07	18	38	36	0.53	-
Other Current Liabilities	-	31	22	-	58.28	-
Long-Term Debt	1,296	1,406	742	145	-	7.55
Long-Term Leases	-	19	22	-	7.58	8.74
Pension & Post-Retirement Benefits	-	6	6	4	8.78	7.81
Long-Term Deferred Tax Liabilities	-	-	-	-	0.53	-
Other Long-Term Liabilities	679.04	573	607	416	302.84	299.35
Total Liabilities	25,407	23,127	21,911	20,974	18,253	17,215
Common Stock	850.07	850	850	850	852.25	848.39
Additional Paid-In Capital	465.45	480	480	480	480.61	478.57
Retained Earnings	1,442	1,454	1,344	1,377	1,399	1,194
Treasury Stock	-0.18	-	-1	-	-0.27	-1.06
Comprehensive Income & Other	66.57	31	5	-24	103.52	110.6
Total Common Equity	2,824	2,815	2,678	2,683	2,835	2,630
Minority Interest	4.61	4	3	3	2.79	3.44
Shareholders' Equity	2,828	2,819	2,681	2,686	2,838	2,634
Total Liabilities & Equity	28,236	25,946	24,592	23,660	21,090	19,849
Total Debt	1,471	1,740	1,148	444	126.54	116.17
Net Cash (Debt)	-434.49	-628	-122	655	5,168	4,421
Net Cash Growth	-	-	-	-87.33%	16.90%	25.47%
Net Cash Per Share	-	-1.96	-0.38	2.05	16.14	13.81
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	8.85	8.22
Tangible Book Value	2,767	2,756	2,614	2,621	2,774	2,581
Tangible Book Value Per Share	-	8.61	8.16	8.19	8.66	8.06

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