Zagrebacka banka d.d. Ratios and Metrics

Market cap in millions HRK. Fiscal year is January - December.

Millions HRK. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Jan '25 Jan 28, 2025	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Market Capitalization	69,869	37,450	20,616	20,865	17,349	19,799	Upgrade
Market Cap Growth	61.19%	81.66%	-1.20%	20.27%	-12.37%	8.35%	Upgrade
Last Close Price	218.22	108.05	51.21	47.25	39.30	44.91	Upgrade
PE Ratio	15.87	9.46	11.03	1.86	2.29	1.52	Upgrade
PS Ratio	5.89	4.86	4.06	0.61	0.58	0.50	Upgrade
PB Ratio	2.27	1.79	1.02	0.13	0.12	0.14	Upgrade
P/FCF Ratio	-	-	-	-	0.85	-	Upgrade
P/OCF Ratio	-	-	-	-	0.78	-	Upgrade
Debt / Equity Ratio	0.30	0.20	0.17	0.04	0.04	0.08	Upgrade
Debt / FCF Ratio	-	-	-	-	0.32	-	Upgrade
Return on Equity (ROE)	21.32%	18.97%	8.99%	7.28%	5.16%	9.31%	Upgrade
Return on Assets (ROA)	2.24%	2.11%	1.11%	0.97%	0.68%	1.24%	Upgrade
Earnings Yield	6.30%	10.58%	9.07%	53.88%	43.60%	65.92%	Upgrade
FCF Yield	-27.05%	-22.30%	-29.40%	-33.93%	117.75%	-34.09%	Upgrade
Dividend Yield	4.71%	10.10%	24.88%	99.72%	-	-	Upgrade
Payout Ratio	134.38%	106.50%	107.26%	-	-	105.42%	Upgrade
Buyback Yield / Dilution	-0.02%	-0.02%	-0.04%	-0.03%	-0.01%	Upgrade
Total Shareholder Return	4.71%	10.09%	24.86%	99.68%	-0.03%	-0.01%	Upgrade

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