Agram banka d.d. (ZSE:KBZ)

Agram banka d.d. Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	12.02	13.11	13.66	125.31	123.6	69.75
Investment Securities	116.91	209.03	204.94	106.48	104.67	113.91
Trading Asset Securities	8.65	8.01	6.09	6.1	6.17	6.2
Total Investments	125.56	217.04	211.02	112.58	110.84	120.11
Gross Loans	335.58	396.97	371.8	331.44	309.74	293.39
Allowance for Loan Losses	-	-20.32	-20.4	-21.63	-21.73	-23.26
Net Loans	335.58	376.65	351.4	309.82	288.01	270.13
Property, Plant & Equipment	13.6	8.77	8.85	8.98	9.02	9.28
Other Intangible Assets	2.58	2.58	2.64	3	2.92	2.83
Investments in Real Estate	-	4.67	4.96	5.9	4.08	3.93
Other Receivables	0.87	1.69	1.36	1.03	1.07	1.23
Restricted Cash	86.61	-	-	-	24.46	20.22
Other Current Assets	4.53	1.44	1.24	1.08	1.07	1.12
Long-Term Deferred Tax Assets	-	0.91	0.91	0.9	0.89	0.87
Other Real Estate Owned & Foreclosed	-	4.53	4.8	4.55	5.3	4.04
Total Assets	621.73	631.39	600.85	573.14	571.28	503.52
Accounts Payable	-	0.55	0.77	0.95	1	-
Accrued Expenses	-	0.47	0.41	0.45	0.41	0
Interest Bearing Deposits	532.37	443.36	425.77	420.5	415.27	339.36
Total Deposits	532.37	443.36	425.77	420.5	415.27	339.36
Current Portion of Long-Term Debt	-	96.84	16.52	9.37	50.54	55.85
Current Portion of Leases	-	0.07	0.07	0.06	0.08	0.1
Current Income Taxes Payable	2.22	1.85	1.83	1.39	1.45	-
Other Current Liabilities	-	0.81	0.58	0.52	0.46	-
Long-Term Debt	7.15	10.48	82.76	78.75	35.46	45.09
Long-Term Leases	-	0.09	0.07	0.14	0.17	0.21
Long-Term Unearned Revenue	-	4.09	4.52	4.22	3.85	-
Other Long-Term Liabilities	8.47	2.46	2.6	2.27	1.21	6.09
Total Liabilities	550.21	561.07	535.89	518.63	509.9	446.7
Common Stock	25.19	25.19	25.19	25.72	25.78	25.67
Additional Paid-In Capital	6.71	6.71	6.71	6.71	6.72	6.69
Retained Earnings	36.33	37.95	33.06	27.35	24.11	18.55
Comprehensive Income & Other	3.29	0.47	-	-5.27	4.77	5.91
Shareholders' Equity	71.52	70.32	64.96	54.51	61.38	56.82
Total Liabilities & Equity	621.73	631.39	600.85	573.14	571.28	503.52
Total Debt	7.15	107.48	99.41	88.32	86.25	101.25
Net Cash (Debt)	13.52	6.27	17.76	48.78	43.53	-25.3
Net Cash Growth	-3.67%	-64.72%	-63.60%	12.07%	-	-
Net Cash Per Share	-	3.23	9.16	25.18	22.46	-13.05
Filing Date Shares Outstanding	-	1.94	1.94	1.94	1.94	1.94
Total Common Shares Outstanding	-	1.94	1.94	1.94	1.94	1.94
Book Value Per Share	-	36.29	33.52	28.13	31.68	29.32
Tangible Book Value	68.94	67.74	62.31	51.51	58.46	53.98
Tangible Book Value Per Share	-	34.96	32.16	26.58	30.17	27.86

Updated Feb 21, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.