Business
Zagrebacka banka d d : Zagrebačka banka Group unaudited financial results Q2 2025
Zagrebacka banka d d : Zagrebačka banka Group unaudited financial results Q2
About this update from Zagrebacka Banka Dd
[{"type":"text","content":"\n \n Unaudited financial statements of Zagrebačka banka Group\n \n \n for the period from 1 January to 30 June 2025\n \n \n \n Content:\n \n \n Management report for the period from 1 January to 30 June 2025\n \n \n Statement of the persons responsible for the preparation of the financial statements\n \n \n Financial statements (TFI-KI statements)\n \n \n General data as at 30 June 2025\n \n \n Balance sheet as at 30 June 2025\n \n \n Income statement for the period from 1 January to 30 June 2025\n \n \n Cash flow statement for the period from 1 January to 30 June 2025\n \n \n Statement of changes in equity for the period from 31 December 2024 to 30 June 2025\n \n \n Notes to the financial statements\n \n \n \n I. Management report for the period from 1 January to 30 June 2025\n \n \n \n Zagrebačka banka Group realised profit after tax of EUR 305 million in the first half of 2025 at the same level as in the first half of 2024.\n We have continued achieving good results. Operating income is stable, costs demonstrate operational excellence. Capital and liquidity positions are strong, credit portfolio is adequately covered by provisions.\n \n \n We are strongly connected with our community, providing support to the economy and the society in which we operate. We are doing this by financing most loans in the market, by investing in optimal user experiences as well as in the security of our solutions, by maintaining the robust payment infrastructure and offering the wide scale of services to companies and citizens.\n \n \n We are transforming our culture, working on simplification and digitalization of our organization and processes to assure sustainability. We continue to progress on our ESG ambition and are committed to activities that have an overall positive impact considering environmental, social and governance factors.\n \n \n We are striving to be the best employer possible, by supporting our employees through work-life balance and wellbeing initiatives.\n \n \n Major contributors to Group result are Zagrebačka banka dd, UniCredit Bank dd Mostar and UniCredit Leasing Croatia doo.\n \n \n \n Key performance indicators:\n \n \n Operating income: EUR 522 million\n \n \n Operating expenses: EUR 170 million\n \n \n Profit before impairment and other provisions: EUR 347 million\n \n \n Impairment and other provisions: EUR 15 milli...