Istarska kreditna banka Umag d.d. (ZSE:IKBA)
Croatia
· Delayed Price · Currency is EUR 474.00
-6.00 (-1.25%)
At close: Dec 4, 2025
ZSE:IKBA Balance Sheet
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Cash & Equivalents | 8.39 | 42.52 | 39.59 | 269.13 | 209.74 | 130.93 | Upgrade
|
| Investment Securities | 103.64 | 94.21 | 84.53 | 112.9 | 63.07 | 85.96 | Upgrade
|
| Trading Asset Securities | - | 0.22 | 0.26 | 0.25 | 0.24 | 0.23 | Upgrade
|
| Total Investments | 103.64 | 94.43 | 84.79 | 113.15 | 63.3 | 86.19 | Upgrade
|
| Gross Loans | 377.36 | 379.73 | 377.87 | 331 | 304.37 | 283.73 | Upgrade
|
| Allowance for Loan Losses | - | -19.41 | -23.23 | -20.46 | -22.74 | -23.28 | Upgrade
|
| Net Loans | 377.36 | 360.31 | 354.64 | 310.54 | 281.63 | 260.45 | Upgrade
|
| Property, Plant & Equipment | 4.2 | 3.92 | 4.14 | 4.7 | 4.75 | 5.07 | Upgrade
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| Other Intangible Assets | 0.16 | 0.2 | 0.18 | 0.17 | 0.35 | 0.3 | Upgrade
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| Investments in Real Estate | - | 0.02 | 0.04 | 0.29 | 1.6 | 1.57 | Upgrade
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| Other Receivables | 0.19 | 0.25 | 0.25 | 0.21 | 0.18 | 0.22 | Upgrade
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| Restricted Cash | 349.23 | 284.14 | 261.16 | 2.35 | 28.45 | 24.7 | Upgrade
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| Other Current Assets | - | 0.43 | 0.13 | 0.11 | 0.15 | 0.13 | Upgrade
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| Long-Term Deferred Tax Assets | - | 0.21 | 0.19 | 0.19 | 0.16 | 0.16 | Upgrade
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| Other Real Estate Owned & Foreclosed | - | 0.75 | 0.56 | 0.68 | 0.83 | 0.83 | Upgrade
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| Other Long-Term Assets | 0.94 | 0.17 | 0.16 | 0.05 | 0.16 | 0.15 | Upgrade
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| Total Assets | 844.12 | 787.35 | 745.83 | 701.56 | 591.31 | 510.71 | Upgrade
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| Accounts Payable | - | 0.43 | 0.53 | 0.65 | 0.31 | 0.57 | Upgrade
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| Accrued Expenses | - | 1.34 | 1.21 | 1.04 | 0.81 | 0.78 | Upgrade
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| Interest Bearing Deposits | 759.24 | 703.85 | 670.74 | 635.47 | 527.8 | 454.87 | Upgrade
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| Total Deposits | 759.24 | 703.85 | 670.74 | 635.47 | 527.8 | 454.87 | Upgrade
|
| Current Portion of Long-Term Debt | - | - | - | 1.01 | 0.3 | 2.11 | Upgrade
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| Current Portion of Leases | - | 0.05 | 0.03 | 0.06 | 0.05 | 0.05 | Upgrade
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| Current Income Taxes Payable | 0.26 | 0.65 | 1.34 | 0.18 | 0.18 | 0.01 | Upgrade
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| Other Current Liabilities | - | 0.44 | 0.76 | 0.44 | 0.34 | 0.53 | Upgrade
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| Long-Term Debt | - | 4.98 | 5.89 | 6.75 | 9.91 | 3.65 | Upgrade
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| Long-Term Leases | - | 0.08 | 0.07 | 0.14 | 0.08 | 0.11 | Upgrade
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| Other Long-Term Liabilities | 2.55 | 0.31 | 0.73 | 0.84 | 0.23 | 0.31 | Upgrade
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| Total Liabilities | 762.04 | 712.14 | 681.29 | 646.58 | 540.01 | 462.98 | Upgrade
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| Common Stock | 21.61 | 21.61 | 21.61 | 21.61 | 21.66 | 21.56 | Upgrade
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| Additional Paid-In Capital | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | Upgrade
|
| Retained Earnings | 55.45 | 53.59 | 42.98 | 33.43 | 29.57 | 26.07 | Upgrade
|
| Comprehensive Income & Other | 5 | -0.01 | -0.07 | -0.09 | 0.04 | 0.07 | Upgrade
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| Shareholders' Equity | 82.07 | 75.22 | 64.54 | 54.98 | 51.29 | 47.72 | Upgrade
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| Total Liabilities & Equity | 844.12 | 787.35 | 745.83 | 701.56 | 591.31 | 510.71 | Upgrade
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| Total Debt | - | 5.11 | 5.99 | 7.96 | 10.35 | 5.92 | Upgrade
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| Net Cash (Debt) | 16.2 | 37.64 | 33.86 | 261.42 | 199.64 | 125.24 | Upgrade
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| Net Cash Growth | 36.83% | 11.15% | -87.05% | 30.95% | 59.40% | 30.56% | Upgrade
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| Net Cash Per Share | 109.44 | 254.30 | 228.78 | 1766.33 | 1348.89 | 846.25 | Upgrade
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| Filing Date Shares Outstanding | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | Upgrade
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| Total Common Shares Outstanding | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | 0.15 | Upgrade
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| Book Value Per Share | 554.56 | 508.22 | 436.05 | 371.46 | 346.57 | 322.45 | Upgrade
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| Tangible Book Value | 81.91 | 75.02 | 64.36 | 54.81 | 50.94 | 47.42 | Upgrade
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| Tangible Book Value Per Share | 553.46 | 506.89 | 434.84 | 370.30 | 344.22 | 320.44 | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.