Banca Popolare di Sondrio S.p.A (BIT: BPSO)

BPSO Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	2,217	4,547	6,991	5,653	5,338	1,826
Investment Securities	3,655	4,933	4,468	5,690	5,015	5,166
Trading Asset Securities	353.45	151.85	179.72	204.29	190.55	474.8
Total Investments	4,008	5,085	4,647	5,895	5,206	5,641
Gross Loans	44,523	45,368	43,961	40,531	36,859	34,537
Allowance for Loan Losses	-	-930.47	-925.29	-1,044	-1,269	-2,250
Net Loans	44,523	44,438	43,035	39,487	35,590	32,287
Property, Plant & Equipment	686.7	594.89	566.43	498.15	505.72	521.33
Goodwill	17	17	17	12.63	12.63	12.63
Other Intangible Assets	22.62	20.76	19.67	18.38	15.7	18.55
Investments in Real Estate	-	82.19	84.48	81.3	62.08	62.79
Accrued Interest Receivable	-	53.49	52.27	47.45	39.23	46.62
Other Receivables	1.07	1,998	1,494	478.99	73.82	36.5
Restricted Cash	-	322.4	347.5	2,232	2,272	80.55
Other Current Assets	-	98.17	87.91	82.23	77.95	74.75
Long-Term Deferred Tax Assets	201.09	259.44	324.99	321.69	377.19	414.32
Other Long-Term Assets	2,698	207.27	186.14	209.34	238.07	124.18
Total Assets	54,374	57,722	57,854	55,016	49,808	41,146
Accounts Payable	-	42.46	30.84	21.1	20.35	19.12
Accrued Expenses	-	90.86	82.24	75.77	74.78	76.19
Interest Bearing Deposits	37,452	5,413	3,521	1,564	1,522	2,068
Non-Interest Bearing Deposits	-	31,093	34,082	35,308	32,295	28,210
Total Deposits	37,452	36,505	37,602	36,872	33,817	30,279
Short-Term Borrowings	2.39	5,553	2,320	106.79	95.51	587.72
Current Portion of Leases	-	23.91	-	23.56	-	-
Current Income Taxes Payable	79.82	42	3.16	4.26	3.57	16.84
Other Current Liabilities	17.05	735.18	548.25	534.83	550.19	485.13
Long-Term Debt	10,722	9,579	13,079	13,123	11,313	5,939
Long-Term Leases	-	139.36	171.18	159.72	200.62	222.8
Pension & Post-Retirement Benefits	214.66	212.41	203.42	231.76	232.21	223.75
Long-Term Deferred Tax Liabilities	29.06	29.36	29.2	35.61	33.83	29.21
Other Long-Term Liabilities	1,841	960.42	397.37	452.33	370.75	331.33
Total Liabilities	50,359	53,912	54,467	51,641	46,712	38,209
Common Stock	1,360	1,360	1,360	1,360	1,360	1,360
Additional Paid-In Capital	78.93	78.95	78.98	79.01	79.01	79.01
Retained Earnings	431.89	2,376	2,006	1,788	1,520	1,399
Treasury Stock	-25.18	-25.42	-25.4	-25.46	-25.39	-25.37
Comprehensive Income & Other	2,169	19.67	-32.19	68.33	63.73	29.01
Total Common Equity	4,015	3,809	3,387	3,270	2,998	2,842
Minority Interest	0.01	0.01	0	104.58	98.1	95.04
Shareholders' Equity	4,015	3,809	3,387	3,375	3,096	2,937
Total Liabilities & Equity	54,374	57,722	57,854	55,016	49,808	41,146
Total Debt	10,725	15,294	15,570	13,413	11,610	6,749
Net Cash (Debt)	-8,154	-10,596	-8,395	-7,323	-5,566	-3,079
Net Cash Per Share	-17.52	-23.56	-	-	-12.38	-6.85
Filing Date Shares Outstanding	465.52	449.71	-	-	449.71	449.71
Total Common Shares Outstanding	465.52	449.71	-	-	449.71	449.71
Book Value Per Share	8.62	8.47	-	-	6.67	6.32
Tangible Book Value	3,975	3,772	3,351	3,239	2,969	2,811
Tangible Book Value Per Share	8.54	8.39	-	-	6.60	6.25

Source: S&P Capital IQ. Banks template. Financial Sources.