Bendigo and Adelaide Bank Balance Sheet

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

Millions AUD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Cash & Equivalents	2,728	1,074	1,880	6,684	3,158	5,522
Investment Securities	11,106	12,496	11,514	9,098	10,587	3,946
Trading Asset Securities	68	127.6	22.8	27.7	90.4	1,738
Mortgage-Backed Securities	-	-	-	3.3	8.7	13.6
Total Investments	11,174	12,624	11,536	9,129	10,686	5,698
Gross Loans	84,471	86,087	80,959	78,903	77,966	72,344
Allowance for Loan Losses	-261.5	-266.9	-286	-286.3	-283.8	-341
Other Adjustments to Gross Loans	-103.9	-111.8	-105.8	-90.4	-71.3	-82.4
Net Loans	84,106	85,708	80,568	78,526	77,610	71,921
Property, Plant & Equipment	188.8	133.5	141.8	166.2	179.6	205.9
Goodwill	988	988	1,528	1,528	1,528	1,438
Other Intangible Assets	442.3	442.1	382.3	314.4	280.8	194.4
Investments in Real Estate	1,128	1,109	1,140	957.8	920.3	901.7
Accrued Interest Receivable	-	290.7	302.7	261.6	149.6	151.1
Other Receivables	19.6	319	191.7	252	154.4	132.8
Other Current Assets	-	55	64.2	62.7	50	41.3
Long-Term Deferred Tax Assets	-	-	17.8	71.2	48.6	42.2
Other Long-Term Assets	525.7	453.6	426.7	518.5	470.3	325.4
Total Assets	101,301	103,219	98,188	98,480	95,240	86,577
Accrued Expenses	-	427.1	509.3	354.2	343.9	305.9
Interest Bearing Deposits	84,112	35,807	34,947	34,533	27,659	26,913
Non-Interest Bearing Deposits	-	48,036	44,039	42,777	46,925	39,304
Total Deposits	84,112	83,843	78,987	77,311	74,584	66,217
Short-Term Borrowings	71.5	892.8	569.8	207.7	213.6	220.7
Current Portion of Long-Term Debt	-	-	-	4	1.9	1,124
Current Income Taxes Payable	-	-	-	40.8	50.6	44.2
Accrued Interest Payable	-	458.2	476	287.2	31.3	51.1
Other Current Liabilities	-	11.3	2.3	-	-	-
Long-Term Debt	9,473	10,700	10,413	13,205	13,063	11,995
Long-Term Leases	-	76.6	88.1	115.8	148.9	180.3
Long-Term Unearned Revenue	-	32.1	34.8	36.4	21.5	16.4
Long-Term Deferred Tax Liabilities	26.2	43.8	-	-	-	-
Other Long-Term Liabilities	974.6	63.7	74.1	66.9	69	68.5
Total Liabilities	94,657	96,549	91,154	91,629	88,528	80,224
Common Stock	5,230	5,205	5,233	5,243	5,223	5,053
Retained Earnings	1,373	1,423	1,857	1,663	1,474	1,271
Comprehensive Income & Other	40.9	41.9	-56.4	-54.7	15.1	29.7
Shareholders' Equity	6,644	6,670	7,034	6,851	6,712	6,354
Total Liabilities & Equity	101,301	103,219	98,188	98,480	95,240	86,577
Total Debt	9,544	11,670	11,071	13,533	13,428	13,521
Net Cash (Debt)	-6,748	-7,049	-8,601	-4,837	-9,401	-4,516
Net Cash Per Share	-11.93	-12.46	-12.97	-7.31	-14.47	-6.87
Filing Date Shares Outstanding	566.8	563.87	565.31	566.18	563.25	545.52
Total Common Shares Outstanding	566.8	563.87	565.31	565.9	563.08	545.51
Book Value Per Share	11.72	11.83	12.44	12.11	11.92	11.65
Tangible Book Value	5,214	5,240	5,124	5,009	4,904	4,722
Tangible Book Value Per Share	9.20	9.29	9.06	8.85	8.71	8.66

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.