CrediaBank Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	822.33	129.24	159.59	99.87	148.65	151.51
Investment Securities	1,584	1,386	1,649	491.45	956.1	1,115
Trading Asset Securities	74.66	69.15	55.62	146.02	15.03	77.46
Total Investments	1,659	1,455	1,705	637.47	971.13	1,193
Gross Loans	6,307	5,541	4,527	3,502	1,694	1,698
Allowance for Loan Losses	-86.71	-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	6,220	5,457	4,430	2,268	1,276	1,326
Property, Plant & Equipment	79.52	86.06	88.41	34.06	38.1	40.62
Other Intangible Assets	266.85	262.12	246.56	59.44	58.13	57.94
Investments in Real Estate	109.42	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	16.6	120.62	83.84	51.33	90.01	116.79
Long-Term Deferred Tax Assets	222.34	224.66	274.71	146.75	214.26	267.45
Other Long-Term Assets	175.85	22.63	133.89	67.34	32.93	34.1
Total Assets	9,572	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	5,473	4,966	4,801	2,369	2,279	2,561
Non-Interest Bearing Deposits	2,113	1,800	1,316	786.08	719.16	582.67
Total Deposits	7,586	6,766	6,116	3,155	2,998	3,143
Short-Term Borrowings	40.77	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	507.82	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	7.39	7.07	7.79	5.1	4.97	6.28
Other Long-Term Liabilities	151.76	213.79	227.32	32.47	28.37	58.75
Total Liabilities	8,294	7,501	6,665	3,328	3,153	3,335
Common Stock	99.78	80.9	80.9	2.5	0.5	244.85
Additional Paid-In Capital	800.55	519.43	1,565	687.65	152.36	148.55
Retained Earnings	9.47	100.93	-1,414	-705.57	-662.43	-515.79
Comprehensive Income & Other	368.42	277.52	643.25	461.85	454.97	453.9
Total Common Equity	1,278	978.78	875.34	446.44	-54.59	331.5
Shareholders' Equity	1,278	978.78	875.34	446.44	-54.59	331.5
Total Liabilities & Equity	9,572	8,480	7,540	3,774	3,098	3,666
Total Debt	548.58	445.53	240.08	111.2	113.83	114.55
Net Cash (Debt)	348.4	-236.49	-22.92	135.16	50.35	118.61
Net Cash Growth	-37.54%	-	-	168.47%	-57.55%	-
Net Cash Per Share	0.20	-0.15	-0.06	0.33	668.01	4355.22
Filing Date Shares Outstanding	1,996	1,618	1,618	0.5	0.1	0.08
Total Common Shares Outstanding	1,996	1,618	1,618	0.5	0.1	0.08
Book Value Per Share	0.64	0.60	0.54	892.62	-547.48	4061.70
Tangible Book Value	1,011	716.66	628.79	387	-112.72	273.55
Tangible Book Value Per Share	0.51	0.44	0.39	773.77	-1130.44	3351.76