Financial Ratios Zagrebacka banka d.d.

Stocks

ZABA

HRZABARA0009

Banks

End-of-day quote Zagreb S.E. Other stock markets 10/06/2026			5-day change	1st Jan Change
21.90 ^EUR	+2.34%		+6.31%	-8.75%

04-30	Zagrebacka banka d.d. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
02-17	Zagrebacka banka d.d. announces Annual dividend, payable on April 29, 2026	CI

7eaf0b8bda6b92f72.0OxT8nwIFEEA52YYn-w-radkN-oflxdfNOOoR1ZJh2k.uKk0s0hPZA00llZpyJVqlf4Pb94q5S5sX4ziHhIG7hGGsx6YSF1CC02hCQ

Published financial data: ZAGREBACKA BANKA D.D.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023 (EUR)	2024 (EUR)	2025 (EUR)
Interest Income On Loans	3.18B	3.41B	813M	955M	898M
Interest Income On Investments	35M	18M	-	1M	3M
Interest Income, Total	3.21B	3.42B	813M	956M	901M
Interest On Deposits	358M	353M	125M	231M	205M
Interest Expense, Total	358M	353M	125M	231M	205M
Net Interest Income	2.85B	3.07B	688M	725M	696M
Gain (Loss) on Sale of Assets	3M	5M	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	34M	-	-8M	-3M	-
Total Other Non Interest Income	1.94B	2.18B	278M	315M	347M
Non Interest Income, Total	1.98B	2.19B	270M	312M	347M
Revenues Before Provison For Loan Losses	4.84B	5.26B	958M	1.04B	1.04B
Provision For Loan Losses	318M	159M	-31M	-27M	-12M
Total Revenues	4.52B	5.1B	989M	1.06B	1.06B
Stock-Based Compensation (IS)	6M	4M	-	1M	1M
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	379M	388M	60M	61M	62M
Selling General & Admin Expenses, Total	78M	-	-	-	-
(Income) Loss on Equity Invest.	-28M	-24M	-4M	-6M	-5M
Total Other Non Interest Expense	2.04B	2.14B	290M	313M	309M
Non Interest Expense, Total	2.48B	2.51B	346M	369M	367M
EBT, Excl. Unusual Items	2.04B	2.59B	643M	695M	688M
Restructuring Charges	-	-	-	-	-
Asset Writedown	-77M	20M	-1M	2M	-
Legal Settlements	-120M	-342M	-28M	-31M	-2M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	1.84B	2.27B	614M	666M	686M
Income Tax Expense	345M	398M	105M	110M	114M
Earnings From Continuing Operations	1.5B	1.87B	509M	556M	572M
Net Income to Company	1.5B	1.87B	509M	556M	572M
Minority Interest	-3M	-2M	-1M	-1M	-1M
Net Income - (IS)	1.5B	1.87B	508M	555M	571M
Net Income to Common Incl Extra Items	1.5B	1.87B	508M	555M	571M
Net Income to Common Excl. Extra Items	1.5B	1.87B	508M	555M	571M
Per Share Items
Net EPS - Basic	4.67	5.84	1.59	1.73	1.78
Basic EPS - Continuing Operations	4.67	5.84	1.59	1.73	1.78
Basic Weighted Average Shares Outstanding	320M	320M	320M	320M	320M
Net EPS - Diluted	4.67	5.84	1.59	1.73	1.78
Diluted EPS - Continuing Operations	4.67	5.84	1.59	1.73	1.78
Diluted Weighted Average Shares Outstanding	320M	320M	320M	320M	320M
Normalized Basic EPS	3.97	5.05	1.25	1.35	1.34
Normalized Diluted EPS	3.97	5.05	1.25	1.35	1.34
Dividend Per Share	6.27	12.74	1.4	1.4	-
Payout Ratio	-	107.44	106.5	80.72	78.46
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
Effective Tax Rate - (Ratio)	18.71	17.54	17.1	16.52	16.62
Total Current Taxes	378M	543M	97M	99M	102M
Total Deferred Taxes	-33M	-151M	8M	11M	11M
Normalized Net Income	1.27B	1.62B	401M	433M	429M
Non-Cash Pension Expense	17M	-	-	2M	2M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	6M	4M	-	1M	1M
Total Stock-Based Compensation	6M	4M	-	1M	1M

Fiscal Period: December	2021	2022	2023 (EUR)	2024 (EUR)	2025 (EUR)
Assets
Cash And Equivalents	38.7B	53.88B	808M	944M	886M
Investment Securities, Total	13.22B	7.71B	1.11B	1.2B	2.02B
Trading Asset Securities, Total	1.09B	2B	218M	168M	135M
Total investments	14.32B	9.71B	1.33B	1.37B	2.16B
Gross Loans	100B	115B	16.68B	19.24B	22.59B
Allowance For Loan Losses	-4.84B	-4.49B	-126M	-89M	-502M
Other Adjustments to Gross Loans	-205M	-234M	-48M	-59M	-53M
Net Loans	95.34B	111B	16.51B	19.1B	22.04B
Gross Property Plant And Equipment	3.99B	4.16B	597M	643M	650M
Accumulated Depreciation	-2.15B	-2.17B	-311M	-308M	-319M
Net Property Plant And Equipment	1.84B	1.99B	286M	335M	331M
Goodwill	49M	49M	6M	6M	6M
Other Intangibles, Total	408M	433M	58M	53M	56M
Investment in Real Estate	232M	140M	21M	21M	19M
Accrued Interest Receivable	45M	60M	8M	18M	23M
Other Receivables	-	-	-	1M	-
Restricted Cash	6.12B	-	5.39B	3.93B	2.67B
Other Current Assets, Total	760M	125M	1M	2M	2M
Deferred Tax Assets Long-Term (Collected)	416M	760M	86M	70M	56M
Other Real Estate Owned And Foreclosed	3M	8M	-	-	-
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	268M	417M	86M	96M	125M
Total Assets	159B	178B	24.59B	25.95B	28.37B
Liabilities
Accounts Payable, Total	18M	15M	5M	2M	11M
Accrued Expenses, Total	492M	277M	37M	93M	97M
Interest Bearing Deposits	35.39B	37.5B	6.03B	5.51B	5.51B
Non-Interest Bearing Deposits	97.54B	113B	14.66B	15.15B	16.46B
Total Deposits	133B	151B	20.69B	20.66B	21.97B
Short-Term Borrowings	867M	2.21B	375M	284M	660M
Current Portion of Long-Term Debt	-	7M	9M	31M	-
Current Portion of Leases	27M	-	-	-	9M
Long-Term Debt	-	1.13B	142M	1.41B	2.13B
Long-Term Leases	57M	-	-	19M	9M
Current Income Taxes Payable	4M	270M	38M	18M	10M
Other Current Liabilities - (Bank / Utility Template)	438M	-	-	31M	26M
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	66M	47M	5M	6M	6M
Deferred Tax Liability Non-Current	4M	-	-	-	-
Other Non Current Liabilities	2.28B	3.13B	607M	573M	478M
Total Liabilities	137B	158B	21.91B	23.13B	25.4B
Common Stock, Total	6.4B	6.4B	850M	850M	850M
Additional Paid In Capital	3.61B	3.61B	480M	480M	480M
Retained Earnings	10.51B	10.38B	1.34B	1.45B	1.58B
Treasury Stock	-2M	-2M	-1M	-	-
Comprehensive Income and Other	778M	-180M	5M	31M	53M
Total Common Equity	21.3B	20.21B	2.68B	2.82B	2.96B
Minority Interest	21M	21M	3M	4M	5M
Total Equity	21.32B	20.23B	2.68B	2.82B	2.96B
Total Liabilities And Equity	159B	178B	24.59B	25.95B	28.37B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	320M	320M	320M	320M	320M
ECS Total Common Shares Outstanding	320M	320M	320M	320M	320M
Book Value / Share	66.53	63.11	8.36	8.79	9.24
Tangible Book Value	20.85B	19.73B	2.61B	2.76B	2.9B
Tangible Book Value Per Share	65.1	61.61	8.16	8.61	9.05
Total Debt	951M	3.34B	526M	1.74B	2.81B
Net Debt	-38.84B	-52.54B	-500M	628M	1.79B
Equity Method Investments, Total	86M	86M	11M	13M	12M
Full Time Employees	4.9K	4.73K	4.61K	4.46K	4.34K
Number Of Offices	178	-	-	170	172

Fiscal Period: December	2021	2022	2023 (EUR)	2024 (EUR)	2025 (EUR)
Net Income	1.5B	1.87B	508M	555M	571M
Depreciation, Depletion & Amortization	302M	304M	47M	49M	50M
Amortization of Goodwill and Intangible Assets - (CF)	1M	-	-	-	-
Total Depreciation, Depletion & Amortization	303M	304M	47M	49M	50M
Amortization of Deferred Charges, Total	76M	84M	13M	12M	12M
(Gain) Loss On Sale of Asset - (CF)	3M	-31M	1M	-	-
(Gain) Loss on Sale of Investments - (CF)	-226M	168M	8M	7M	7M
Total Asset Writedown	23M	-1M	3M	11M	-1M
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	278M	71M	-17M	-14M	-11M
(Income) Loss On Equity Investments - (CF)	-35M	-	-	-	-
Change in Trading Asset Securities	5M	153M	-76M	-30M	-2M
Change in Other Net Operating Assets (Collected)	-2.8B	-9.58B	-1.48B	-2.28B	-2.43B
Other Operating Activities	274M	777M	24M	-9M	-37M
Cash from Operations	-607M	-6.19B	-971M	-1.7B	-1.84B
Capital Expenditure	-335M	-240M	-100M	-137M	-112M
Sale of Property, Plant, and Equipment	-	-	-	-	-
Purchase / Sale of Intangible Assets	-183M	-115M	-15M	-9M	-15M
Sale (Purchase) of Real Estate Properties (Collected)	36M	-35M	4M	1M	5M
Investment in Marketable and Equity Securities, Total	-360M	4.64B	7M	-96M	-781M
Cash from Investing	-842M	4.25B	-104M	-241M	-903M
Long-Term Debt Issued, Total	-	1.14B	-	443M	701M
Total Debt Issued	-	1.14B	-	443M	701M
Long-Term Debt Repaid, Total	-1.31B	-19M	-4M	-3M	-2M
Total Debt Repaid	-1.31B	-19M	-4M	-3M	-2M
Common Dividends Paid	-	-2.01B	-541M	-448M	-448M
Common & Preferred Stock Dividends Paid	-	-2.01B	-541M	-448M	-448M
Net Increase (Decrease) in Deposit Accounts - (CF)	7.68B	17.69B	666M	629M	1.2B
Other Financing Activities, Total	-	-	-1M	-	-
Cash from Financing	6.37B	16.8B	120M	621M	1.45B
Foreign Exchange Rate Adjustments	252M	319M	5M	-5M	-23M
Net Change in Cash	5.17B	15.18B	-950M	-1.32B	-1.32B
Supplemental Items
Cash Interest Paid	400M	379M	115M	227M	213M
Cash Income Tax Paid (Refund)	263M	88M	94M	119M	110M
Net Debt Issued / Repaid	-1.31B	1.12B	-4M	440M	699M

Fiscal Period: December	2021	2022	2023 (EUR)	2024 (EUR)	2025 (EUR)
Profitability
Return on Assets	0.97	1.11	2.11	2.2	2.11
Return On Equity %	7.28	9	18.97	20.22	19.78
Return on Common Equity	7.27	9	18.95	20.21	19.77
Shareholders Value Added	-973M	-622M	186M	225M	224M
Margin Analysis
SG&A Margin	10.12	7.6	6.07	5.73	5.88
Net Interest Income / Total Revenues %	63.17	60.21	69.57	68.14	65.97
EBT Excl. Non-Recurring Items Margin %	45.17	50.78	65.02	65.32	65.21
Income From Continuing Operations Margin %	33.18	36.67	51.47	52.26	54.22
Net Income Margin %	33.11	36.63	51.36	52.16	54.12
Net Avail. For Common Margin %	33.11	36.63	51.36	52.16	54.12
Normalized Net Income Margin	28.17	31.7	40.53	40.73	40.66
Asset quality
Nonperforming Loans / Total Loans %	4.46	-	-	1.67	1.74
Nonperforming Loans / Total Assets %	2.82	-	-	1.24	1.39
Nonperforming Assets / Total Assets %	2.83	-	-	1.24	1.39
NPAs / Loans and OREO	4.46	-	-	1.67	1.74
NPAs / Equity	21	-	-	11.42	13.29
Allowance for Credit Losses / Net Charge-offs %	1.21K	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	108.04	-	-	27.64	127.41
Allowance for Credit Losses / Total Loans %	4.82	3.89	0.76	0.46	2.22
Provision for Loan Losses / Net Charge-offs %	79.5	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	13.35	12.33	11.11	10.87	10.63
Total Average Equity / Total Average Assets %	13.36	12.34	11.12	10.88	10.65
Total Equity + Allowance for Loan Losses / Total Loans %	26.04	21.4	16.81	15.09	15.32
Gross Loans / Total Deposits %	75.52	76.46	80.61	93.12	102.83
Net Loans / Total Deposits %	71.73	73.33	79.77	92.41	100.3
Tier 1 Capital Ratio %	31.91	-	-	20.27	19.61
Total Capital Ratio %	31.91	-	-	21.69	21.13
Core Tier 1 Capital Ratio	31.91	-	-	20.27	19.61
Tier 2 Capital Ratio	-	-	-	1.42	1.52
Coverage Ratio	108.04	-	-	27.64	127.41
Interbank Ratio	201.42	176.54	305.71	422.26	200.73
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	6.15	7.43	5.91	3.88	4.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-7.13	7.64	69.88	5.22	-4
Non Interest Income, 1 Yr. Growth %	11.04	10.44	-6.9	15.56	11.22
Provision For Loan Losses, 1 Yr. Growth %	-64.86	-50	-247.62	-12.9	-55.56
Total Revenues, 1 Yr. Growth %	14.29	12.93	46.74	7.47	-0.85
Earnings From Cont. Operations, 1 Yr. Growth %	49.3	24.82	105.24	9.23	2.88
Net Income, 1 Yr. Growth %	49.3	24.93	104.84	9.25	2.88
Normalized Net Income, 1 Yr. Growth %	45.15	27.09	87	8.28	-1.01
Diluted EPS Before Extra, 1 Yr. Growth %	49.24	24.91	104.8	9.25	2.87
Dividend Per Share, 1 Yr. Growth %	-	103.19	-17.16	0	-
Gross Loans, 1 Yr. Growth %	1.49	14.98	11.83	15.37	14.83
Allowance For Loan Losses, 1 Yr. Growth %	-3.34	-7.15	-34.38	-29.37	-3.28
Net Loans, 1 Yr. Growth %	1.8	16.1	12.35	15.69	15.4
Non Performing Loans, 1 Yr. Growth %	-20.4	-	-	12.98	22.36
Non Performing Assets, 1 Yr. Growth %	-20.4	-	-	12.98	22.36
Total Assets, 1 Yr. Growth %	5.77	12.47	3.94	5.51	9.34
Total Deposits, 1 Yr Growth %	5.27	13.56	3.28	3.34	5.95
Tangible Book Value, 1 Yr. Growth %	7	-5.37	-0.27	5.43	5.15
Common Equity, 1 Yr. Growth %	7.28	-5.14	-0.19	5.12	5.15
Total Equity, 1 Yr. Growth %	7.25	-5.13	-0.19	5.15	5.18
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-9.49	-0.02	37.1	33.8	0.51
Non Interest Income, 2 Yr. CAGR %	-5.28	10.74	3.06	3.72	13.37
Provision For Loan Losses, 2 Yr. CAGR %	-6.79	-58.08	-12.82	13.39	-37.78
Total Revenues, 2 Yr. CAGR %	-7.91	13.61	30.64	25.64	3.23
Earnings From Cont. Operations, 2 Yr. CAGR %	-7.69	36.51	62.71	49.73	6.01
Net Income, 2 Yr. CAGR %	-7.65	36.57	62.71	49.6	6.02
Normalized Net Income, 2 Yr. CAGR %	-12.95	35.82	56.71	42.18	3.53
Diluted EPS Before Extra, 2 Yr. CAGR %	-7.68	36.54	62.69	49.58	6.01
Dividend Per Share, 2 Yr. CAGR %	-	-	31.94	-8.98	-
Gross Loans, 2 Yr. CAGR %	0.85	8.03	13.82	13.59	16.38
Allowance For Loan Losses, 2 Yr. CAGR %	7.56	-5.27	-54.93	-31.92	99.6
Net Loans, 2 Yr. CAGR %	0.61	8.72	16.18	14	15.54
Non Performing Loans, 2 Yr. CAGR %	-5.98	-	-	-	17.58
Non Performing Assets, 2 Yr. CAGR %	-6.46	-	-	-	17.58
Total Assets, 2 Yr. CAGR %	4.35	9.07	9.99	4.72	7.41
Total Deposits, 2 Yr CAGR %	4.36	9.34	10.17	1.56	4.82
Tangible Book Value, 2 Yr. CAGR %	5.72	0.62	-1.12	2.54	5.29
Common Equity, 2 Yr. CAGR %	5.86	0.88	-1	2.43	5.13
Total Equity, 2 Yr. CAGR %	5.83	0.87	-0.99	2.45	5.16
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-5.96	-4.11	20.41	22.87	19.78
Non Interest Income, 3 Yr. CAGR %	1.78	-0.3	5.65	4.76	6.16
Provision For Loan Losses, 3 Yr. CAGR %	-16.59	-24.26	-35.6	-14.73	-17.02
Total Revenues, 3 Yr. CAGR %	-1.75	-1.43	24.95	19.81	16.11
Earnings From Cont. Operations, 3 Yr. CAGR %	-9.78	2.08	58.11	39.4	32.12
Net Income, 3 Yr. CAGR %	-9.79	2.14	58.11	39.41	32.05
Normalized Net Income, 3 Yr. CAGR %	-6.43	-1.25	52.76	35.48	26.02
Diluted EPS Before Extra, 3 Yr. CAGR %	-9.82	2.11	58.07	39.39	32.03
Dividend Per Share, 3 Yr. CAGR %	2.75	-	-	17.7	-
Gross Loans, 3 Yr. CAGR %	0.8	5.35	9.55	11.87	14.84
Allowance For Loan Losses, 3 Yr. CAGR %	-9.86	2.41	-41.88	-48.78	37.76
Net Loans, 3 Yr. CAGR %	1.52	5.53	11.17	13.51	14.47
Non Performing Loans, 3 Yr. CAGR %	-23.34	-	-	-19.31	-
Non Performing Assets, 3 Yr. CAGR %	-23.42	-	-	-19.33	-
Total Assets, 3 Yr. CAGR %	4.59	6.99	8.56	6.13	6.24
Total Deposits, 3 Yr CAGR %	4.88	7.34	8.51	4.32	3.12
Tangible Book Value, 3 Yr. CAGR %	4.27	1.89	1.51	-1.17	3.41
Common Equity, 3 Yr. CAGR %	4.39	2.06	1.69	-1.18	3.33
Total Equity, 3 Yr. CAGR %	4.38	2.04	1.68	-1.17	3.35
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-3.94	-2.48	9.34	8.73	13.41
Non Interest Income, 5 Yr. CAGR %	-1.02	3.32	2.29	0.62	9.99
Provision For Loan Losses, 5 Yr. CAGR %	-9.4	-33.23	-15.1	-11.64	-35.71
Total Revenues, 5 Yr. CAGR %	-2.22	4.25	10.11	7.84	17.19
Earnings From Cont. Operations, 5 Yr. CAGR %	-2.35	12.38	14.22	18.21	36.38
Net Income, 5 Yr. CAGR %	-2.36	12.4	14.21	18.24	36.39
Normalized Net Income, 5 Yr. CAGR %	-2.91	12.1	15.01	13.51	32.29
Diluted EPS Before Extra, 5 Yr. CAGR %	-2.36	12.4	14.18	18.21	36.36
Dividend Per Share, 5 Yr. CAGR %	3.42	37.21	13.56	-	-
Gross Loans, 5 Yr. CAGR %	0.99	5.53	5.82	7.32	13.6
Allowance For Loan Losses, 5 Yr. CAGR %	-13.68	-8.95	-31.69	-31.08	-3.63
Net Loans, 5 Yr. CAGR %	2.29	6.51	7.15	8.16	14.27
Non Performing Loans, 5 Yr. CAGR %	-	-	-	-14.22	-10.31
Non Performing Assets, 5 Yr. CAGR %	-	-	-	-14.41	-10.33
Total Assets, 5 Yr. CAGR %	4.31	7.04	6.72	5.41	9.41
Total Deposits, 5 Yr CAGR %	6.34	9.04	6.97	4.33	7.58
Tangible Book Value, 5 Yr. CAGR %	2.58	2.1	2.08	1.53	4.26
Common Equity, 5 Yr. CAGR %	2.67	2.24	2.2	1.58	4.3
Total Equity, 5 Yr. CAGR %	2.67	2.24	2.2	1.58	4.31