Bendigo and Adelaide Bank Limited (ASX: BEN)

Bendigo and Adelaide Bank Balance Sheet

Financials in millions AUD. Fiscal year is July - June.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Cash & Equivalents	1,965	1,965	6,684	3,158	5,522	1,227
Investment Securities	11,572	11,572	9,098	10,587	3,946	943.9
Trading Asset Securities	22.8	22.8	27.7	90.4	1,738	5,518
Mortgage-Backed Securities	-	-	3.3	8.7	13.6	17
Total Investments	11,595	11,595	9,129	10,686	5,698	6,478
Gross Loans	80,568	80,568	78,903	77,966	72,344	65,403
Allowance for Loan Losses	-	-	-286.3	-283.8	-341	-341.6
Other Adjustments to Gross Loans	-	-	-90.4	-71.3	-82.4	-81.1
Net Loans	80,568	80,568	78,526	77,610	71,921	64,980
Property, Plant & Equipment	141.8	141.8	166.2	179.6	205.9	252.3
Goodwill	-	-	1,528	1,528	1,438	1,440
Other Intangible Assets	1,910	1,910	314.4	280.8	194.4	124.3
Investments in Real Estate	1,140	1,140	957.8	920.3	901.7	779.8
Accrued Interest Receivable	-	-	261.6	149.6	151.1	163
Other Receivables	299.4	299.4	252	154.4	132.8	108.6
Other Current Assets	10.2	10.2	62.7	50	41.3	40.4
Long-Term Deferred Tax Assets	17.8	17.8	71.2	48.6	42.2	88.3
Other Long-Term Assets	541.4	541.4	518.5	470.3	325.4	289.3
Total Assets	98,188	98,188	98,480	95,240	86,577	76,009
Accrued Expenses	-	-	354.2	343.9	305.9	303.3
Interest Bearing Deposits	78,987	78,987	34,533	27,659	26,913	35,158
Non-Interest Bearing Deposits	-	-	42,777	46,925	39,304	29,025
Total Deposits	78,987	78,987	77,311	74,584	66,217	64,183
Short-Term Borrowings	322.8	322.8	207.7	213.6	220.7	245.3
Current Portion of Long-Term Debt	-	-	4	1.9	1,124	398
Current Income Taxes Payable	-	-	40.8	50.6	44.2	-
Accrued Interest Payable	-	-	287.2	31.3	51.1	105.9
Other Current Liabilities	5.2	5.2	-	-	-	-
Long-Term Debt	10,660	10,660	13,205	13,063	11,995	4,667
Long-Term Leases	-	-	115.8	148.9	180.3	221.4
Long-Term Unearned Revenue	-	-	36.4	21.5	16.4	16.1
Other Long-Term Liabilities	1,179	1,179	66.9	69	68.5	71.1
Total Liabilities	91,154	91,154	91,629	88,528	80,224	70,211
Common Stock	5,231	5,231	5,243	5,223	5,053	4,909
Retained Earnings	1,762	1,762	1,663	1,474	1,271	892.5
Comprehensive Income & Other	40.7	40.7	-54.7	15.1	29.7	-3.6
Total Common Equity	7,034	7,034	6,851	6,712	6,354	5,798
Shareholders' Equity	7,034	7,034	6,851	6,712	6,354	5,798
Total Liabilities & Equity	98,188	98,188	98,480	95,240	86,577	76,009
Total Debt	10,983	10,983	13,533	13,428	13,521	5,532
Net Cash (Debt)	-8,996	-8,996	-4,837	-9,401	-4,516	1,319
Net Cash Growth	-	-	-	-	-	-24.56%
Net Cash Per Share	-14.41	-14.41	-7.31	-14.47	-6.87	2.17
Filing Date Shares Outstanding	565.31	565.31	566.18	563.25	545.52	530.78
Total Common Shares Outstanding	565.31	565.31	565.9	563.08	545.51	530.78
Book Value Per Share	12.44	12.44	12.11	11.92	11.65	10.92
Tangible Book Value	5,124	5,124	5,009	4,904	4,722	4,234
Tangible Book Value Per Share	9.06	9.06	8.85	8.71	8.66	7.98

Source: S&P Capital IQ. Banks template. Financial Sources.