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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Cash & Equivalents	3,344	886	944	808	834	5,149
Investment Securities	5,026	2,023	1,203	1,114	1,023	1,759
Trading Asset Securities	-	135	168	218	265	145.43
Total Investments	5,026	2,158	1,371	1,332	1,288	1,905
Gross Loans	19,363	22,591	19,673	16,680	14,915	13,357
Allowance for Loan Losses	-	-502	-519	-126	-192	-643.48
Other Adjustments to Gross Loans	-	-53	-59	-48	-31	-27.28
Net Loans	19,363	22,036	19,095	16,506	14,692	12,686
Property, Plant & Equipment	331.59	331	335	286	266	244.83
Goodwill	-	6	6	6	6	6.52
Other Intangible Assets	61.81	56	53	58	56	54.29
Investments in Real Estate	18.92	19	21	21	19	30.87
Accrued Interest Receivable	-	23	18	8	8	5.99
Other Receivables	0.18	-	-	-	-	-
Restricted Cash	-	2,672	3,934	5,394	6,318	814.46
Other Current Assets	38.75	2	2	1	17	101.13
Long-Term Deferred Tax Assets	62.92	56	70	86	101	55.35
Other Real Estate Owned & Foreclosed	-	-	-	-	-	0.4
Other Long-Term Assets	222.73	125	97	86	55	35.66
Total Assets	28,470	28,370	25,946	24,592	23,660	21,090
Accounts Payable	-	11	2	5	2	2.4
Accrued Expenses	33.24	97	93	89	37	65.47
Interest Bearing Deposits	5,708	5,511	5,581	5,335	4,977	4,708
Non-Interest Bearing Deposits	16,434	16,458	15,154	14,661	15,058	12,979
Total Deposits	22,141	21,969	20,735	19,996	20,035	17,687
Short-Term Borrowings	35.36	660	284	375	293	115.36
Current Portion of Long-Term Debt	-	-	-	9	6	-
Current Portion of Leases	-	9	5	-	-	3.59
Current Income Taxes Payable	19.5	10	18	38	36	0.53
Other Current Liabilities	-	26	31	22	-	58.28
Long-Term Debt	2,376	2,130	1,437	742	145	-
Long-Term Leases	-	9	14	22	-	7.58
Pension & Post-Retirement Benefits	3.9	6	6	6	4	8.78
Long-Term Deferred Tax Liabilities	-	-	-	-	-	0.53
Other Long-Term Liabilities	1,163	478	502	607	416	302.84
Total Liabilities	25,772	25,405	23,127	21,911	20,974	18,253
Common Stock	850.07	850	850	850	850	852.25
Additional Paid-In Capital	465.45	480	480	480	480	480.61
Retained Earnings	1,380	1,577	1,454	1,344	1,377	1,399
Treasury Stock	-1.38	-	-	-1	-	-0.27
Comprehensive Income & Other	-1.2	53	31	5	-24	103.52
Total Common Equity	2,693	2,960	2,815	2,678	2,683	2,835
Minority Interest	4.67	5	4	3	3	2.79
Shareholders' Equity	2,698	2,965	2,819	2,681	2,686	2,838
Total Liabilities & Equity	28,470	28,370	25,946	24,592	23,660	21,090
Total Debt	2,411	2,808	1,740	1,148	444	126.54
Net Cash (Debt)	932.31	-1,787	-628	-122	655	5,168
Net Cash Growth	456.17%	-	-	-	-87.33%	16.90%
Net Cash Per Share	-	-5.58	-1.96	-0.38	2.05	16.14
Filing Date Shares Outstanding	-	320.23	320.22	320.17	320.22	320.21
Total Common Shares Outstanding	-	320.23	320.22	320.17	320.22	320.21
Book Value Per Share	-	9.24	8.79	8.36	8.38	8.85
Tangible Book Value	2,631	2,898	2,756	2,614	2,621	2,774
Tangible Book Value Per Share	-	9.05	8.61	8.16	8.19	8.66

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