ISTARSKA KREDITNA BANKA UMAG dioničko društvo financials
ISTARSKA KREDITNA BANKA UMAG dioničko društvo
Country: HR Reporting currency: HRK Latest annual report: 2022-12-31
LEI:
213800SRX7OTZCOYXQ97 Financial statements
(HRK, as reported — unscaled; 88 line items across 2 annual periods)
| Line item | 2022 | 2021 |
|---|---|---|
| Income statement | ||
| Gross profit | HRK 110.5M | HRK 97.8M |
| Other income | HRK 3.3M | HRK 1.1M |
| Employee benefits expense | HRK 47.6M | HRK 42.9M |
| Depreciation & amortisation | HRK 4.9M | HRK 5.4M |
| Profit before tax | HRK 50.8M | HRK 45.5M |
| Income tax expense | HRK 9.2M | HRK 8.2M |
| Profit for the year | HRK 41.5M | HRK 37.2M |
| Total comprehensive income | HRK 40.6M | HRK 37.0M |
| Per share | ||
| Basic EPS | HRK 280.71 | HRK 251.61 |
| Diluted EPS | HRK 280.71 | HRK 251.61 |
| Cash flow statement | ||
| Net cash from operating activities | HRK 854.0M | HRK 387.0M |
| Income taxes paid | HRK 7.8M | HRK 7.0M |
| Net cash from investing activities | -HRK 372.3M | HRK 174.4M |
| Net cash from financing activities | -HRK 31.2M | HRK 20.9M |
| Dividends paid | HRK 11.8M | HRK 11.8M |
| Proceeds from borrowings | HRK 0 | HRK 54.1M |
| Repayments of borrowings | HRK 16.0M | HRK 9.1M |
| Net change in cash | HRK 450.5M | HRK 582.4M |
| Balance sheet | ||
| Total assets | HRK 5.29B | HRK 4.44B |
| Property, plant & equipment | HRK 34.0M | HRK 34.8M |
| Right-of-use assets | HRK 1.4M | HRK 952.0K |
| Cash & equivalents | HRK 2.03B | HRK 1.58B |
| Total equity | HRK 414.2M | HRK 385.5M |
| Derived metrics | ||
| Return on equity | 10.0% | 9.7% |
| Cash conversion ratio | 20.56× | 10.39× |
| Other reported items | ||
| Adjustments For Decrease Increase In Loans and Advances To Customers | -HRK 226.3M | -HRK 161.0M |
| Adjustments For Decrease Increase In Other Assets | -HRK 824.0K | HRK 161.0K |
| Adjustments For Depreciation and Amortisation Expense | HRK 4.9M | HRK 5.4M |
| Adjustments For Dividend Income | HRK 215.0K | HRK 246.0K |
| Adjustments For Finance Income | HRK 34.8M | HRK 27.8M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | HRK 4.9M | HRK 5.3M |
| Adjustments For Increase Decrease In Deposits From Banks | HRK 196.1M | -HRK 27.4M |
| Adjustments For Increase Decrease In Deposits From Customers | HRK 809.1M | HRK 529.8M |
| Adjustments For Increase Decrease In Other Liabilities | HRK 28.2M | -HRK 3.2M |
| Adjustments For Interest Income | HRK 80.6M | HRK 75.3M |
| Adjustments For Losses Gains On Disposal of Noncurrent Assets | -HRK 2.0M | -HRK 62.0K |
| Adjustments For Unrealised Foreign Exchange Losses Gains | -HRK 399.0K | -HRK 992.0K |
| Bank Balances At Central Banks Other Than Mandatory Reserve Deposits | HRK 1.86B | HRK 1.36B |
| Cash Flows From Used In Operations Before Changes In Working Capital | -HRK 57.4M | -HRK 48.3M |
| Corporate Debt Instruments Held | HRK 21.8M | HRK 23.2M |
| Current Tax Liabilities | HRK 1.3M | HRK 1.3M |
| Deferred Tax Assets | HRK 1.4M | HRK 1.2M |
| Deposits From Customers | HRK 4.79B | HRK 3.97B |
| Dividends Received Classified As Investing Activities | HRK 215.0K | HRK 311.0K |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | HRK 995.0K | HRK 5.5M |
| Equity and Liabilities | HRK 5.29B | HRK 4.44B |
| Fair Value of Investments In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income | HRK 2.6M | HRK 2.6M |
| Fee and Commission Expense | HRK 6.4M | HRK 4.8M |
| Fee and Commission Income | HRK 41.1M | HRK 32.6M |
| Fee and Commission Income Expense | HRK 34.8M | HRK 27.8M |
| Finance Costs Paid Classified As Operating Activities | HRK 6.4M | HRK 4.8M |
| Finance Income Received Classified As Operating Activities | HRK 41.0M | HRK 32.6M |
| Financial Assets At Amortised Cost | HRK 313.3M | HRK 201.0M |
| Financial Assets At Fair Value Through Profit Or Loss | HRK 1.9M | HRK 1.8M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | -HRK 1.3M | -HRK 94.0K |
| General and Administrative Expense | HRK 26.4M | HRK 21.9M |
| Government Debt Instruments Held | HRK 512.8M | HRK 247.2M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | HRK 4.9M | HRK 5.3M |
| Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income | -HRK 226.0K | -HRK 17.0K |
| Income Tax Relating To Investments In Equity Instruments of Other Comprehensive Income | HRK 13.0K | -HRK 29.0K |
| Intangible Assets Other Than Goodwill | HRK 1.3M | HRK 2.6M |
| Interest Expense | HRK 3.2M | HRK 3.6M |
| Interest Income On Other Financial Assets | HRK 82.0K | HRK 81.0K |
| Interest Paid Classified As Operating Activities | HRK 3.0M | HRK 4.0M |
| Interest Received Classified As Operating Activities | HRK 81.4M | HRK 80.2M |
| Interest Revenue Calculated Using Effective Interest Method | HRK 83.7M | HRK 78.8M |
| Interest Revenue Expense | HRK 80.6M | HRK 75.3M |
| Investment Property | HRK 2.2M | HRK 12.0M |
| Issued Capital | HRK 162.8M | HRK 162.8M |
| Lease Liabilities | HRK 1.5M | HRK 1.0M |
| Liabilities | HRK 4.87B | HRK 4.06B |
| Loans and Advances To Banks | HRK 166.9M | HRK 215.1M |
| Loans and Advances To Customers | HRK 2.34B | HRK 2.12B |
| Mandatory Reserve Deposits At Central Banks | HRK 17.7M | HRK 213.8M |
| Net Foreign Exchange Gain | HRK 20.6M | HRK 16.9M |
| Other Adjustments To Reconcile Profit Loss | HRK 0 | -HRK 197.0K |
| Other Assets | HRK 2.8M | HRK 3.7M |
| Other Comprehensive Income | -HRK 972.0K | -HRK 211.0K |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | HRK 70.0K | -HRK 163.0K |
| Other Expense By Nature | HRK 4.8M | HRK 163.0K |
| Other Inflows Outflows of Cash Classified As Financing Activities | -HRK 1.1M | -HRK 508.0K |
| Other Inflows Outflows of Cash Classified As Investing Activities | -HRK 379.1M | HRK 176.8M |
| Other Liabilities | HRK 22.4M | HRK 12.7M |
| Other Reserves | HRK 36.4M | HRK 37.3M |
| Repayments of Subordinated Liabilities | HRK 2.2M | HRK 11.7M |
| Retained Earnings | HRK 214.9M | HRK 185.2M |
| Share Premium | HRK 181.0K | HRK 181.0K |
| Subordinated Liabilities | HRK 7.6M | HRK 9.8M |
Methodology
Every line item above is a fact tagged in ISTARSKA KREDITNA BANKA UMAG dioničko društvo's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (HRK), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.