365.bank, a. s. financials
365.bank, a. s.
Country: SK Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
315700PLTAXHBHZP5J02 Financial statements
(EUR, as reported — unscaled; 103 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Administrative expenses | €43.3M | €42.7M |
| Employee benefits expense | €66.4M | €62.6M |
| Depreciation & amortisation | €18.0M | €16.2M |
| Profit before tax | €17.1M | €111.7M |
| Income tax expense | €7.7M | €17.9M |
| Profit for the year | €9.3M | €69.9M |
| Total comprehensive income | €11.5M | €71.6M |
| Cash flow statement | ||
| Cash generated from operations | -€224.9M | -€73.1M |
| Net cash from operating activities | -€122.4M | €33.8M |
| Net cash from investing activities | -€104.0M | €111.0M |
| Net cash from financing activities | -€168.4M | -€56.1M |
| Dividends paid | €65.8M | €210.1M |
| Proceeds from borrowings | €10.0M | €10.0M |
| Lease liability payments | €5.2M | €5.2M |
| Balance sheet | ||
| Total assets | €4.53B | €4.68B |
| Intangible assets & goodwill | €49.3M | €49.1M |
| Cash & equivalents | €101.3M | €496.1M |
| Total equity | €497.1M | €550.6M |
| Derived metrics | ||
| Free cash flow | -€135.9M | €22.9M |
| Return on equity | 1.9% | 12.7% |
| Cash conversion ratio | -13.14× | 0.48× |
| Capex coverage | -9.07× | 3.09× |
| Other reported items | ||
| Adjustments For Decrease Increase In Derivative Financial Assets | €357.0K | €2.0M |
| Adjustments For Decrease Increase In Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €109.6M | €50.6M |
| Adjustments For Decrease Increase In Financial Assets Held For Trading | €17.0K | €160.0K |
| Adjustments For Decrease Increase In Financial Assets Measured At Amortised Cost | -€249.9M | -€141.9M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -€251.5M | -€150.3M |
| Adjustments For Decrease Increase In Other Assets | €11.1M | -€8.0M |
| Adjustments For Decrease Increase In Other Financial Assets | €1.6M | €8.4M |
| Adjustments For Depreciation and Amortisation Expense | €18.0M | €16.2M |
| Adjustments For Dividend Income | €36.0K | €52.0K |
| Adjustments For Gain Loss On Disposal of Investments In Subsidiaries Joint Ventures and Associates | €0 | €264.0K |
| Adjustments For Impairment Losses Reversal of Impairment Losses Recognised In Profit Or Loss Financial Assets | €38.9M | €16.5M |
| Adjustments For Increase Decrease In Deposits From Customers | -€34.7M | €23.0M |
| Adjustments For Increase Decrease In Derivative Financial Liabilities | -€84.0K | -€579.0K |
| Adjustments For Increase Decrease In Financial Liabilities Held For Trading | -€43.0K | -€35.0K |
| Adjustments For Increase Decrease In Financial Liabilities Measured At Amortised Cost | €8.8M | €16.1M |
| Adjustments For Increase Decrease In Other Financial Liabilities | €43.5M | -€6.9M |
| Adjustments For Increase Decrease In Other Liabilities | -€561.0K | -€3.6M |
| Adjustments For Losses Gains On Disposal of Noncurrent Assets | -€20.0K | €25.0K |
| Adjustments For Provisions | -€2.0K | -€59.0K |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €458.0K | €408.0K |
| Cash and Bank Balances At Central Banks | €173.3M | €528.1M |
| Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €0 | €1.5M |
| Cash Flows From Used In Operations Before Changes In Working Capital | -€64.2M | €13.1M |
| Current Tax Assets | €26.8M | €6.2M |
| Current Tax Liabilities | €1.6M | €4.0M |
| Debt Instruments Held | €816.1M | €706.0M |
| Debt Securities | €188.9M | €295.1M |
| Deferred Tax Assets | €39.0M | €29.2M |
| Derivative Financial Assets Held For Hedging | €4.6M | €4.9M |
| Derivative Financial Liabilities Held For Hedging | €4.6M | €5.9M |
| Dividends Received Classified As Operating Activities | €36.0K | €52.0K |
| Equity and Liabilities | €4.53B | €4.68B |
| Fee and Commission Expense | €25.6M | €23.4M |
| Fee and Commission Income | €74.8M | €99.8M |
| Fee and Commission Income Expense | €49.2M | €76.4M |
| Financial Assets At Amortised Cost | €4.06B | €3.74B |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €0 | €17.0K |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €32.7M | €142.3M |
| Financial Assets Measured At Fair Value Through Other Comprehensive Income | €96.4M | €112.8M |
| Financial Liabilities At Amortised Cost | €4.00B | €4.09B |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €6.0K | €50.0K |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €3.5M | €3.2M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €38.9M | €16.5M |
| Impairment Loss Recognised In Other Comprehensive Income | €14.0K | €704.0K |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €1.3M | €833.0K |
| Income Taxes Paid Refund Classified As Operating Activities | €20.6M | €13.7M |
| Increase Decrease In Cash and Cash Equivalents | -€394.8M | €88.6M |
| Increase Decrease Through Transactions With Owners | -€65.0M | -€210.0M |
| Interest Expense | €49.3M | €47.8M |
| Interest Income On Other Financial Assets | €464.0K | €766.0K |
| Interest Paid Classified As Operating Activities | €46.9M | €42.5M |
| Interest Received Classified As Operating Activities | €190.5M | €195.6M |
| Interest Revenue Calculated Using Effective Interest Method | €189.9M | €191.1M |
| Interest Revenue Expense | €141.0M | €144.1M |
| Investments In Joint Ventures Accounted For Using Equity Method | €969.0K | €900.0K |
| Liabilities | €4.04B | €4.13B |
| Loans and Advances | €3.22B | €3.01B |
| Loans and Advances To Banks | €8.8M | €13.5M |
| Loans and Advances To Customers | €3.22B | €3.00B |
| Other Comprehensive Income | €2.2M | €1.7M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €2.2M | €1.7M |
| Other Financial Assets | €21.0M | €22.6M |
| Other Financial Liabilities | €73.7M | €35.1M |
| Other Nonfinancial Assets | €12.6M | €23.8M |
| Other Nonfinancial Liabilities | €25.5M | €26.0M |
| Other Operating Income Expense | €8.1M | €2.0M |
| Other Reversals of Provisions | €2.0K | €59.0K |
| Proceeds From Disposals of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €1.3M | €4.3M |
| Proceeds From Issue of Bonds Notes and Debentures | €30.0M | €149.1M |
| Proceeds From Sales of Investments Other Than Investments Accounted For Using Equity Method | €0 | €220.0K |
| Proceeds From Sales Or Maturity of Financial Assets Measured At Amortised Cost Classified As Investing Activities | €64.3M | €83.4M |
| Proceeds From Sales Or Maturity of Financial Assets Measured At Fair Value Through Other Comprehensive Income Classified As Investing Activities | €17.5M | €75.1M |
| Property Plant and Equipment Including Rightofuse Assets | €36.7M | €44.2M |
| Provisions | €403.0K | €371.0K |
| Purchase of Financial Assets Measured At Amortised Cost Classified As Investing Activities | €173.7M | €42.5M |
| Purchase of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €13.5M | €10.9M |
| Repayments of Bonds Notes and Debentures | €137.4M | €0 |
| Retained Earnings | €64.9M | €120.6M |
| Revenue From Dividends | €36.0K | €52.0K |
| Share of Profit Loss of Joint Ventures Accounted For Using Equity Method | €458.0K | €408.0K |
| Subordinated Liabilities | €8.0M | €8.0M |
Methodology
Every line item above is a fact tagged in 365.bank, a. s.'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 (EUR), 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.