Pavlovic International Bank a.d (XBLB:PIBB-R-D) Effective Interest Rate on Debt %: 17.29% (As of Dec. 2025)

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XBLB:PIBB-R-D Pavlovic International Bank a.d XBLB:PIBB-R-D
2 GF Score
Price BAM0.80
! 4 Warning Signs
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What is Pavlovic International Bank a.d Effective Interest Rate on Debt %?

Pavlovic International Bank a.d XBLB:PIBB-R-D 2 Effective Interest Rate on Debt % is 17.29% as of Dec. 2025. GuruFocus rates XBLB:PIBB-R-D with a GF Score™ of 2/100. The stock has 4 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Pavlovic International Bank a.d's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was BAM4.29 Mil. Pavlovic International Bank a.d's average total debt for the quarter that ended in Dec. 2025 was BAM24.84 Mil. Therefore, Pavlovic International Bank a.d's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 17.29%.


Pavlovic International Bank a.d  (XBLB:PIBB-R-D) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Pavlovic International Bank a.d Effective Interest Rate on Debt % Related Terms


Pavlovic International Bank a.d Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Pavlovic International Bank a.d's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Pavlovic International Bank a.d Effective Interest Rate on Debt % Chart

Pavlovic International Bank a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.65 5.85 8.06 14.25 15.13

Pavlovic International Bank a.d Semi-Annual Data
Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.40 13.51 16.01 18.24 17.29

XBLB:PIBB-R-D vs BKESF, TCNB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Pavlovic International Bank a.d's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Pavlovic International Bank a.d Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Pavlovic International Bank a.d's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Pavlovic International Bank a.d's Effective Interest Rate on Debt % falls into.


XBLB:PIBB-R-D
2GF Score
Pavlovic International Bank a.d XBLB:PIBB-R-D
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Pavlovic International Bank a.d Effective Interest Rate on Debt % Calculation

Pavlovic International Bank a.d's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -3.998/( (21.889+30.975)/ 2 )
=-1  *  -3.998/26.432
=15.13 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=21.889 + 0
=21.889

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=30.975 + 0
=30.975

Pavlovic International Bank a.d's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -4.294/( (18.703+30.975)/ 2 )
=-1  *  -4.294/24.839
=17.29 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=18.703 + 0
=18.703

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=30.975 + 0
=30.975

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is two times the semi-annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 17.29% mean?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a Effective Interest Rate on Debt % of 17.29% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Pavlovic International Bank a.d and its competitors.
Is Pavlovic International Bank a.d's Effective Interest Rate on Debt % too high?
Pavlovic International Bank a.d's current Effective Interest Rate on Debt % is 17.29%. Overall, Pavlovic International Bank a.d has a GF Score™ of 2/100, reflecting its overall financial health beyond just this single metric.
How does Pavlovic International Bank a.d's Effective Interest Rate on Debt % compare to BKESF and TCNB?
Pavlovic International Bank a.d's Effective Interest Rate on Debt % of 17.29% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Pavlovic International Bank a.d and its competitors. Pavlovic International Bank a.d's current Effective Interest Rate on Debt % is 17.29%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pavlovic International Bank a.d stock overvalued right now?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a current Effective Interest Rate on Debt % of 17.29%. The current Effective Interest Rate on Debt % is 17.29%. Pavlovic International Bank a.d's overall GF Score™ is 2/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Pavlovic International Bank a.d (XBLB:PIBB-R-D), the current Effective Interest Rate on Debt % is 17.29% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Pavlovic International Bank a.d Business Description

Address Ivana Franje Jukiya 1, Bijelina, BIH, 78000
Pavlovic International Bank a.d provides banking services. It provides retail and corporate banking services including loans, overdrafts, consumer loans, housing loans, savings accounts, payment cards, short term loans, and other banking services.
2GF Score

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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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