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

BIT:BPSO Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	3,738	4,547	6,991	5,653	5,338
Investment Securities	3,625	4,933	4,468	5,690	5,015
Trading Asset Securities	176.18	151.85	179.72	204.29	190.55
Total Investments	3,801	5,085	4,647	5,895	5,206
Gross Loans	46,414	45,368	43,961	40,531	36,859
Allowance for Loan Losses	-954.8	-930.47	-925.29	-1,044	-1,269
Net Loans	45,459	44,438	43,035	39,487	35,590
Property, Plant & Equipment	663.58	594.89	566.43	498.15	505.72
Goodwill	12.63	17	17	12.63	12.63
Other Intangible Assets	23.2	20.76	19.67	18.38	15.7
Investments in Real Estate	-	82.19	84.48	81.3	62.08
Accrued Interest Receivable	-	53.49	52.27	47.45	39.23
Other Receivables	1.78	1,998	1,494	478.99	73.82
Restricted Cash	-	322.4	347.5	2,232	2,272
Other Current Assets	108.59	98.17	87.91	82.23	77.95
Long-Term Deferred Tax Assets	188.25	259.44	324.99	321.69	377.19
Other Long-Term Assets	2,632	207.27	186.14	209.34	238.07
Total Assets	56,629	57,722	57,854	55,016	49,808
Accounts Payable	-	42.46	30.84	21.1	20.35
Accrued Expenses	-	90.86	82.24	75.77	74.78
Interest Bearing Deposits	39,346	5,413	3,521	1,564	1,522
Non-Interest Bearing Deposits	-	31,093	34,082	35,308	32,295
Total Deposits	39,346	36,505	37,602	36,872	33,817
Short-Term Borrowings	18.99	5,553	2,320	106.79	95.51
Current Portion of Leases	-	23.91	-	23.56	-
Current Income Taxes Payable	41.5	42	3.16	4.26	3.57
Other Current Liabilities	-	735.18	548.25	534.83	550.19
Long-Term Debt	11,383	9,579	13,079	13,123	11,313
Long-Term Leases	-	139.36	171.18	159.72	200.62
Pension & Post-Retirement Benefits	222.01	212.41	203.42	231.76	232.21
Long-Term Deferred Tax Liabilities	30.92	29.36	29.2	35.61	33.83
Other Long-Term Liabilities	1,430	960.42	397.37	452.33	370.75
Total Liabilities	52,472	53,912	54,467	51,641	46,712
Common Stock	1,360	1,360	1,360	1,360	1,360
Additional Paid-In Capital	78.93	78.95	78.98	79.01	79.01
Retained Earnings	574.94	2,376	2,006	1,788	1,520
Treasury Stock	-25.22	-25.42	-25.4	-25.46	-25.39
Comprehensive Income & Other	2,168	19.67	-32.19	68.33	63.73
Total Common Equity	4,156	3,809	3,387	3,270	2,998
Minority Interest	0.01	0.01	0	104.58	98.1
Shareholders' Equity	4,156	3,809	3,387	3,375	3,096
Total Liabilities & Equity	56,629	57,722	57,854	55,016	49,808
Total Debt	11,402	15,294	15,570	13,413	11,610
Net Cash (Debt)	-7,487	-10,596	-8,395	-7,323	-5,566
Net Cash Per Share	-16.63	-23.56	-	-	-12.38
Filing Date Shares Outstanding	456.86	449.71	-	-	449.71
Total Common Shares Outstanding	456.86	449.71	-	-	449.71
Book Value Per Share	9.10	8.47	-	-	6.67
Tangible Book Value	4,120	3,772	3,351	3,239	2,969
Tangible Book Value Per Share	9.02	8.39	-	-	6.60

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