BSP Financial Group Balance Sheet

Financials in millions PGK. Fiscal year is January - December.

Millions PGK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	6,229	5,236	5,086	5,500	4,132
Investment Securities	12,614	9,294	9,884	8,639	8,359
Trading Asset Securities	750	655	596.75	548.28	589.3
Total Investments	13,364	9,949	10,481	9,188	8,949
Gross Loans	18,110	16,841	16,740	14,913	14,372
Allowance for Loan Losses	-602	-562	-712.24	-642.12	-725.53
Other Adjustments to Gross Loans	-6	-9	-15.21	-21.31	-23.07
Net Loans	17,502	16,270	16,013	14,249	13,623
Property, Plant & Equipment	1,164	1,077	1,067	986.7	944.91
Other Intangible Assets	308	295	282.24	294.4	236.58
Investments in Real Estate	452	388	363.17	329.2	273.17
Accrued Interest Receivable	10	10	11.82	7.85	3.05
Other Receivables	93	17	46.35	5.02	25.24
Restricted Cash	2,991	3,255	2,842	2,517	1,720
Other Current Assets	113	99	72.48	72.52	58.86
Long-Term Deferred Tax Assets	281	257	329.29	342.61	269.34
Other Long-Term Assets	477	270	357.55	259.61	208.32
Total Assets	42,984	37,123	36,951	33,752	30,443
Interest Bearing Deposits	3,319	3,291	3,145	2,999	2,888
Non-Interest Bearing Deposits	31,007	25,944	26,845	24,075	21,171
Total Deposits	34,326	29,235	29,990	27,074	24,059
Current Portion of Long-Term Debt	43	-	-	117.4	126.26
Current Portion of Leases	16	-	-	-	-
Current Income Taxes Payable	-	-	-	2.51	30.4
Other Current Liabilities	651	679	428.13	340.79	217.46
Long-Term Debt	-	108	208.59	246.48	245.61
Long-Term Leases	243	268	279.82	285.58	271.06
Long-Term Unearned Revenue	-	-	-	-	25
Long-Term Deferred Tax Liabilities	69	58	61.78	48.43	39.52
Other Long-Term Liabilities	2,432	2,122	1,739	1,584	1,633
Total Liabilities	37,780	32,470	32,708	29,700	26,648
Common Stock	372	372	372.11	372.11	372.13
Retained Earnings	4,173	3,805	3,478	3,419	3,082
Comprehensive Income & Other	625	441	392.44	259.95	340.24
Total Common Equity	5,170	4,618	4,243	4,051	3,794
Minority Interest	34	35	0.7	0.73	0.78
Shareholders' Equity	5,204	4,653	4,243	4,052	3,795
Total Liabilities & Equity	42,984	37,123	36,951	33,752	30,443
Total Debt	302	376	488.4	649.46	642.93
Net Cash (Debt)	6,677	5,515	5,194	5,398	4,078
Net Cash Growth	21.07%	6.18%	-3.79%	32.38%	-1.26%
Net Cash Per Share	14.30	11.81	11.12	11.55	8.73
Filing Date Shares Outstanding	467.22	467.22	467.22	467.22	467.23
Total Common Shares Outstanding	467.22	467.22	467.22	467.22	467.23
Book Value Per Share	11.07	9.88	9.08	8.67	8.12
Tangible Book Value	4,862	4,323	3,960	3,757	3,558
Tangible Book Value Per Share	10.41	9.25	8.48	8.04	7.61