CrediaBank S.A. (ATH:CREDIA)

CrediaBank Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	717.62	164.68	105.52	148.65	151.51	103.82
Investment Securities	1,402	1,649	491.45	956.1	1,115	979.65
Trading Asset Securities	61.69	55.62	146.02	15.03	77.46	7.43
Total Investments	1,464	1,705	637.47	971.13	1,193	987.08
Gross Loans	5,222	4,527	3,502	1,694	1,698	2,010
Allowance for Loan Losses	-73.2	-60.93	-1,216	-406.55	-329.77	-386
Other Adjustments to Gross Loans	-	-36.04	-18.61	-11.38	-42.26	-22.85
Net Loans	5,149	4,430	2,268	1,276	1,326	1,601
Property, Plant & Equipment	86.38	88.41	34.06	38.1	40.62	47.83
Other Intangible Assets	258.83	246.56	59.44	58.13	57.94	57.67
Investments in Real Estate	90.62	70.75	34.43	58.55	57.49	56.7
Accrued Interest Receivable	-	-	7.56	5.37	4.01	55.12
Other Receivables	-	7.96	5.73	10.67	18.03	1.91
Restricted Cash	-	334.97	356.86	194.41	399.93	120.82
Other Current Assets	22.11	83.84	51.33	90.01	116.79	88.92
Long-Term Deferred Tax Assets	271.98	274.71	146.75	214.26	267.45	420.28
Other Long-Term Assets	111.97	133.89	67.34	32.93	34.1	37.38
Total Assets	8,172	7,540	3,774	3,098	3,666	3,578
Accrued Expenses	-	54.6	18.45	5.75	9.78	8.52
Interest Bearing Deposits	4,957	4,801	2,369	2,279	2,561	2,282
Non-Interest Bearing Deposits	1,719	1,316	786.08	719.16	582.67	720.75
Total Deposits	6,677	6,116	3,155	2,998	3,143	3,003
Short-Term Borrowings	105.46	0.04	0.28	0.1	-	200.01
Current Portion of Leases	-	10.01	3.71	-	-	-
Current Income Taxes Payable	-	4.43	2.06	1.35	1.75	1.79
Other Current Liabilities	-	12.56	1.5	-	-	-
Long-Term Debt	236.71	203.12	99.94	99.89	99.83	99.78
Long-Term Leases	-	26.91	7.28	13.85	14.72	19.23
Long-Term Unearned Revenue	-	2.03	2.35	0.15	0.25	-
Pension & Post-Retirement Benefits	6.99	7.79	5.1	4.97	6.28	6.02
Other Long-Term Liabilities	169.97	227.32	32.47	28.37	58.75	31.2
Total Liabilities	7,196	6,665	3,328	3,153	3,335	3,369
Common Stock	80.9	80.9	2.5	0.5	244.85	138.38
Additional Paid-In Capital	519.43	1,565	687.65	152.36	148.55	-
Retained Earnings	8.68	-1,414	-705.57	-662.43	-515.79	-381.85
Comprehensive Income & Other	367.2	643.25	461.85	454.97	453.9	452.8
Total Common Equity	976.21	875.34	446.44	-54.59	331.5	209.33
Shareholders' Equity	976.21	875.34	446.44	-54.59	331.5	209.33
Total Liabilities & Equity	8,172	7,540	3,774	3,098	3,666	3,578
Total Debt	342.17	240.08	111.2	113.83	114.55	319.01
Net Cash (Debt)	437.14	-17.82	140.81	50.35	118.61	-206.27
Net Cash Growth	1132.98%	-	179.69%	-57.55%	-	-
Net Cash Per Share	1.06	-0.04	0.34	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	717.38	628.79	387	-112.72	273.55	151.65
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.