Podravska banka d.d. (ZSE:PDBA)

Podravska 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	9.44	219.51	179.88	150.23	99.01	102.26
Investment Securities	155.65	164.75	157.47	112.89	103.22	94.59
Trading Asset Securities	-	0.11	1.5	4.29	22.8	24.31
Total Investments	155.65	164.87	158.97	117.18	126.02	118.9
Gross Loans	308.72	345.15	348.04	344.46	314.96	285.23
Allowance for Loan Losses	-	-28.85	-30.95	-30.86	-27.26	-29.69
Net Loans	308.72	316.3	317.09	313.6	287.7	255.54
Property, Plant & Equipment	7.45	7.3	7.01	8.63	7.97	8.46
Goodwill	2.24	2.24	2.24	2.24	2.24	2.23
Other Intangible Assets	5.58	5.86	5.51	5.51	4.28	3.41
Investments in Real Estate	1.92	1.97	2.83	2.84	4.68	5.46
Other Receivables	0.57	0.63	0.6	0.63	0.87	0.95
Restricted Cash	207.64	-	-	-	23.67	21.22
Other Current Assets	1.66	1.34	0.31	0.41	0.35	0.64
Long-Term Deferred Tax Assets	-	0.6	0.86	0.88	0.57	0.68
Other Real Estate Owned & Foreclosed	-	0.97	4.57	4.76	1.06	0.98
Other Long-Term Assets	1.07	1.5	1.06	0.41	0.35	0.8
Total Assets	701.94	723.07	680.92	607.3	558.77	521.54
Accounts Payable	-	0.42	0.49	0.95	0.44	0.42
Accrued Expenses	-	0.69	0.61	0.83	0.56	0.73
Interest Bearing Deposits	596.02	181.86	155.14	88.05	97.61	114.52
Non-Interest Bearing Deposits	-	388.76	376.82	377.28	319.83	255.74
Total Deposits	596.02	570.62	531.95	465.32	417.45	370.25
Current Portion of Long-Term Debt	-	40.04	5.75	9.89	7.49	16.22
Current Income Taxes Payable	0.14	0.87	0.61	0.36	0.04	0.08
Other Current Liabilities	-	1.11	0.24	0.5	0.2	0.25
Long-Term Debt	15.43	22.6	58.84	61.12	59.42	63.41
Long-Term Leases	-	4.27	4.25	4.72	1.91	2.01
Other Long-Term Liabilities	13.06	5.21	6.15	7.05	5.19	4.38
Total Liabilities	624.65	645.81	608.88	550.73	492.7	457.76
Common Stock	36.78	36.78	36.78	35.5	35.59	35.43
Additional Paid-In Capital	0.4	0.4	0.4	0.4	0.4	0.4
Retained Earnings	1.44	38.22	33.55	30.64	28.86	26.55
Treasury Stock	-0.16	-0.16	-0.16	-0.16	-0.16	-0.16
Comprehensive Income & Other	38.82	2.02	1.47	-9.81	1.38	1.56
Shareholders' Equity	77.29	77.26	72.04	56.57	66.08	63.78
Total Liabilities & Equity	701.94	723.07	680.92	607.3	558.77	521.54
Total Debt	15.43	66.91	68.84	75.72	68.82	81.64
Net Cash (Debt)	2.7	174.25	128.02	79.49	53.78	44.92
Net Cash Growth	-	36.11%	61.06%	47.78%	19.73%	77.37%
Net Cash Per Share	4.06	261.86	192.39	-	80.83	67.51
Filing Date Shares Outstanding	0.67	0.67	0.67	0.67	0.67	0.67
Total Common Shares Outstanding	0.67	0.67	0.67	0.67	0.67	0.67
Book Value Per Share	116.15	116.10	108.26	85.02	99.30	95.85
Tangible Book Value	69.47	69.16	64.29	48.82	59.55	58.13
Tangible Book Value Per Share	104.40	103.93	96.62	73.37	89.50	87.36

Updated Mar 20, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.