Bendigo and Adelaide Bank Limited (ASX:BEN)

Bendigo and Adelaide Bank Balance Sheet

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

Assets

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022
Cash & Equivalents	1,576	1,074	1,880	6,684	3,158
Investment Securities	12,093	12,496	11,514	9,098	10,587
Trading Asset Securities	40.4	127.6	22.8	27.7	90.4
Mortgage-Backed Securities	-	-	-	3.3	8.7
Total Investments	12,133	12,624	11,536	9,129	10,686
Gross Loans	87,397	86,087	80,959	78,903	77,966
Allowance for Loan Losses	-271.2	-266.9	-286	-286.3	-283.8
Other Adjustments to Gross Loans	-105.8	-111.8	-105.8	-90.4	-71.3
Net Loans	87,020	85,708	80,568	78,526	77,610
Property, Plant & Equipment	178.2	148.6	141.8	166.2	179.6
Goodwill	988	988	1,528	1,528	1,528
Other Intangible Assets	440	442.1	382.3	314.4	280.8
Investments in Real Estate	1,056	1,109	1,140	957.8	920.3
Accrued Interest Receivable	315.7	290.7	302.7	261.6	149.6
Other Receivables	207	319	191.7	252	154.4
Other Current Assets	74.8	55	64.2	62.7	50
Long-Term Deferred Tax Assets	14.3	-	17.8	71.2	48.6
Other Long-Term Assets	402.2	453.6	426.7	518.5	470.3
Total Assets	104,411	103,219	98,188	98,480	95,240

Liabilities

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022
Accrued Expenses	419.9	464.7	509.3	354.2	343.9
Interest Bearing Deposits	35,330	35,807	34,947	34,533	27,659
Non-Interest Bearing Deposits	50,662	48,036	44,039	42,777	46,925
Total Deposits	85,991	83,843	78,987	77,311	74,584
Short-Term Borrowings	1,006	892.8	569.8	207.7	213.6
Current Portion of Long-Term Debt	501.2	-	-	4	1.9
Current Income Taxes Payable	41.9	-	-	40.8	50.6
Accrued Interest Payable	338.9	458.2	476	287.2	31.3
Other Current Liabilities	-	-	2.3	-	-
Long-Term Debt	9,117	10,700	10,413	13,205	13,063
Long-Term Leases	107.6	76.6	88.1	115.8	148.9
Long-Term Unearned Revenue	36.8	32.1	34.8	36.4	21.5
Long-Term Deferred Tax Liabilities	-	43.8	-	-	-
Other Long-Term Liabilities	115.5	37.4	74.1	66.9	69
Total Liabilities	97,676	96,549	91,154	91,629	88,528

Shareholders' Equity

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022
Common Stock	5,339	5,205	5,233	5,243	5,223
Retained Earnings	1,348	1,328	1,857	1,663	1,474
Comprehensive Income & Other	48.2	137.1	-56.4	-54.7	15.1
Shareholders' Equity	6,735	6,670	7,034	6,851	6,712
Total Liabilities & Equity	104,411	103,219	98,188	98,480	95,240

Additional Metrics

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022
Total Debt	10,732	11,670	11,071	13,533	13,428
Net Cash (Debt)	-6,797	-7,049	-8,601	-4,837	-9,401
Net Cash Growth	-	-	-	-	-
Net Cash Per Share	-10.55	-12.46	-12.97	-7.31	-14.47
Filing Date Shares Outstanding	577.15	563.87	565.31	566.18	563.25
Total Common Shares Outstanding	577.15	563.87	565.31	565.9	563.08
Book Value Per Share	11.67	11.83	12.44	12.11	11.92
Tangible Book Value	5,307	5,240	5,124	5,009	4,904
Tangible Book Value Per Share	9.19	9.29	9.06	8.85	8.71

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Aug 27, 2026

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