CrediaBank Balance Sheet

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

Millions EUR. 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	129.24	159.59	99.87	148.65	151.51
Investment Securities	1,386	1,649	491.45	956.1	1,115
Trading Asset Securities	69.15	55.62	146.02	15.03	77.46
Total Investments	1,455	1,705	637.47	971.13	1,193
Gross Loans	5,541	4,527	3,502	1,694	1,698
Allowance for Loan Losses	-77.2	-60.93	-1,216	-406.55	-329.77
Other Adjustments to Gross Loans	-6.87	-36.04	-18.61	-11.38	-42.26
Net Loans	5,457	4,430	2,268	1,276	1,326
Property, Plant & Equipment	86.06	88.41	34.06	38.1	40.62
Other Intangible Assets	262.12	246.56	59.44	58.13	57.94
Investments in Real Estate	103.05	70.75	34.43	58.55	57.49
Accrued Interest Receivable	-	-	7.56	5.37	4.01
Other Receivables	47.66	7.96	5.73	10.67	18.03
Restricted Cash	571.18	340.07	362.51	194.41	399.93
Other Current Assets	120.62	83.84	51.33	90.01	116.79
Long-Term Deferred Tax Assets	224.66	274.71	146.75	214.26	267.45
Other Long-Term Assets	22.63	133.89	67.34	32.93	34.1
Total Assets	8,480	7,540	3,774	3,098	3,666
Accrued Expenses	57.98	54.6	18.45	5.75	9.78
Interest Bearing Deposits	4,966	4,801	2,369	2,279	2,561
Non-Interest Bearing Deposits	1,800	1,316	786.08	719.16	582.67
Total Deposits	6,766	6,116	3,155	2,998	3,143
Short-Term Borrowings	65.41	0.04	0.28	0.1	-
Current Portion of Leases	8.59	10.01	3.71	-	-
Current Income Taxes Payable	5.37	4.43	2.06	1.35	1.75
Other Current Liabilities	3.85	12.56	1.5	-	-
Long-Term Debt	353.87	203.12	99.94	99.89	99.83
Long-Term Leases	17.67	26.91	7.28	13.85	14.72
Long-Term Unearned Revenue	1.7	2.03	2.35	0.15	0.25
Pension & Post-Retirement Benefits	7.07	7.79	5.1	4.97	6.28
Other Long-Term Liabilities	213.79	227.32	32.47	28.37	58.75
Total Liabilities	7,501	6,665	3,328	3,153	3,335
Common Stock	80.9	80.9	2.5	0.5	244.85
Additional Paid-In Capital	519.43	1,565	687.65	152.36	148.55
Retained Earnings	100.93	-1,414	-705.57	-662.43	-515.79
Comprehensive Income & Other	277.52	643.25	461.85	454.97	453.9
Total Common Equity	978.78	875.34	446.44	-54.59	331.5
Shareholders' Equity	978.78	875.34	446.44	-54.59	331.5
Total Liabilities & Equity	8,480	7,540	3,774	3,098	3,666
Total Debt	445.53	240.08	111.2	113.83	114.55
Net Cash (Debt)	-236.49	-22.92	135.16	50.35	118.61
Net Cash Growth	-	-	168.47%	-57.55%	-
Net Cash Per Share	-0.15	-0.06	0.33	668.01	4355.22
Filing Date Shares Outstanding	1,618	1,618	0.5	0.1	0.08
Total Common Shares Outstanding	1,618	1,618	0.5	0.1	0.08
Book Value Per Share	0.60	0.54	892.62	-547.48	4061.70
Tangible Book Value	716.66	628.79	387	-112.72	273.55
Tangible Book Value Per Share	0.44	0.39	773.77	-1130.44	3351.76

Source: S&P Global Market Intelligence. Banks template. Financial Sources.