Istarska kreditna banka Umag d.d. (ZSE:IKBA)
Croatia
· Delayed Price · Currency is EUR 492.00
-8.00 (-1.60%)
At close: Mar 9, 2026
ZSE:IKBA Income Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|
Period Ending | 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 | 2020 - 2016 |
| Interest Income on Loans | 25.55 | 28.73 | 23.99 | 11.1 | 10.48 | Upgrade
|
| Interest Income on Investments | - | 0.01 | 0.01 | 0.01 | 0.01 | Upgrade
|
| Total Interest Income | 25.55 | 28.74 | 24 | 11.11 | 10.49 | Upgrade
|
| Interest Paid on Deposits | 4.27 | 4.51 | 0.63 | 0.42 | 0.48 | Upgrade
|
| Net Interest Income | 21.28 | 24.24 | 23.37 | 10.69 | 10.02 | Upgrade
|
| Net Interest Income Growth (YoY) | -12.19% | 3.71% | 118.56% | 6.74% | 3.46% | Upgrade
|
| Gain (Loss) on Sale of Assets | - | - | 0.19 | 0.26 | 0.01 | Upgrade
|
| Gain (Loss) on Sale of Investments | - | 0.02 | - | - | - | Upgrade
|
| Other Non-Interest Income | 6.58 | 5.96 | 5.17 | 7.52 | 6.08 | Upgrade
|
| Total Non-Interest Income | 6.58 | 5.98 | 5.36 | 7.78 | 6.09 | Upgrade
|
| Non-Interest Income Growth (YoY) | 10.14% | 11.58% | -31.19% | 27.82% | -2.32% | Upgrade
|
| Revenues Before Loan Losses | 27.86 | 30.21 | 28.72 | 18.48 | 16.11 | Upgrade
|
| Provision for Loan Losses | -0.02 | 1.5 | 2.74 | 0.65 | 0.7 | Upgrade
|
| Revenue | 27.88 | 28.71 | 25.99 | 17.83 | 15.4 | Upgrade
|
| Revenue Growth (YoY) | -2.89% | 10.50% | 45.73% | 15.76% | 1.02% | Upgrade
|
| Salaries and Employee Benefits | 9.26 | 8.45 | 7.26 | 6.31 | 5.7 | Upgrade
|
| Occupancy Expenses | 0.62 | 0.56 | 0.62 | 0.65 | 0.71 | Upgrade
|
| Selling, General & Administrative | 4.03 | 3.72 | 3.87 | 3.5 | 2.92 | Upgrade
|
| Other Non-Interest Expense | 0.46 | 0.32 | 0.4 | 0.64 | 0.02 | Upgrade
|
| Total Non-Interest Expense | 14.36 | 13.06 | 12.15 | 11.09 | 9.35 | Upgrade
|
| EBT Excluding Unusual Items | 13.52 | 15.66 | 13.83 | 6.74 | 6.05 | Upgrade
|
| Pretax Income | 13.52 | 15.66 | 13.83 | 6.74 | 6.05 | Upgrade
|
| Income Tax Expense | 2.45 | 2.82 | 2.52 | 1.22 | 1.09 | Upgrade
|
| Net Income | 11.07 | 12.83 | 11.32 | 5.51 | 4.95 | Upgrade
|
| Net Income to Common | 11.07 | 12.83 | 11.32 | 5.51 | 4.95 | Upgrade
|
| Net Income Growth | -13.74% | 13.38% | 105.28% | 11.28% | 21.69% | Upgrade
|
| Basic Shares Outstanding | 0 | 0 | 0 | 0 | 0 | Upgrade
|
| Diluted Shares Outstanding | 0 | 0 | 0 | 0 | 0 | Upgrade
|
| EPS (Basic) | 74.80 | 86.72 | 76.48 | 37.26 | 33.48 | Upgrade
|
| EPS (Diluted) | 74.80 | 86.72 | 76.48 | 37.26 | 33.48 | Upgrade
|
| EPS Growth | -13.74% | 13.38% | 105.28% | 11.28% | 21.69% | Upgrade
|
| Dividend Per Share | - | 18.000 | 15.000 | 12.000 | 10.645 | Upgrade
|
| Dividend Growth | - | 20.00% | 25.00% | 12.73% | 0.46% | Upgrade
|
| Effective Tax Rate | 18.13% | 18.03% | 18.18% | 18.17% | 18.09% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.