Business
Zagrebacka banka d d : Zagrebačka banka unaudited financial results Q2 2025
Zagrebacka banka d d : Zagrebačka banka unaudited financial results Q2
About this update from Zagrebacka Banka Dd
[{"type":"text","content":"\n \n Unaudited financial statements of Zagrebačka banka dd\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 Management report for the period from 1 January to 30 June 2025\n \n \n \n Zagrebačka banka dd realised profit after tax of EUR 258 million in first half of 2025, at the same level as in 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 \n Key performance indicators:\n \n \n Operating income: EUR 414 million\n \n \n Operating expenses: EUR 117 million\n \n \n Profit before impairment and other provisions: EUR 297 million\n \n \n Impairment and other provisions: EUR 13 million\n \n \n Loans and advances to customers: EUR 11,940 million\n \n \n Deposits from customers: EUR 17,864 million\n \n \n \n Operating income amou...