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

BIT:BPSO 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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	1,952	3,738	4,547	6,991	5,653	5,338
Investment Securities	3,800	5,119	5,553	4,468	5,690	5,015
Trading Asset Securities	230.29	176.18	151.85	179.72	204.29	190.55
Total Investments	4,031	5,296	5,705	4,647	5,895	5,206
Gross Loans	47,357	44,544	44,748	43,961	40,531	36,859
Allowance for Loan Losses	-976.33	-885.16	-930.47	-925.29	-1,044	-1,269
Net Loans	46,380	43,658	43,817	43,035	39,487	35,590
Property, Plant & Equipment	658.59	583.18	594.89	566.43	498.15	505.72
Goodwill	12.63	12.63	17	17	12.63	12.63
Other Intangible Assets	23.14	23.2	20.76	19.67	18.38	15.7
Investments in Real Estate	-	80.4	82.19	84.48	81.3	62.08
Accrued Interest Receivable	-	105.83	95.38	52.27	47.45	39.23
Other Receivables	1.35	2,161	1,998	1,494	478.99	73.82
Restricted Cash	-	331.19	322.4	347.5	2,232	2,272
Other Current Assets	96	188.72	56.29	87.91	82.23	77.95
Long-Term Deferred Tax Assets	186.22	188.25	259.44	324.99	321.69	377.19
Other Long-Term Assets	2,525	261.82	207.27	186.14	209.34	238.07
Total Assets	55,866	56,629	57,722	57,854	55,016	49,808
Accounts Payable	-	44.91	42.46	30.84	21.1	20.35
Accrued Expenses	-	110.38	90.86	82.24	75.77	74.78
Interest Bearing Deposits	38,571	6,532	5,413	3,521	1,564	1,522
Non-Interest Bearing Deposits	-	32,898	31,093	34,082	35,308	32,295
Total Deposits	38,571	39,430	36,505	37,602	36,872	33,817
Short-Term Borrowings	31.88	5,444	5,553	2,320	106.79	95.51
Current Portion of Leases	-	23.23	-	-	23.56	-
Current Income Taxes Payable	114.34	41.5	42	3.16	4.26	3.57
Other Current Liabilities	-	602.93	735.18	548.25	534.83	550.19
Long-Term Debt	10,772	5,667	9,579	13,079	13,123	11,313
Long-Term Leases	-	123.06	163.27	171.18	159.72	200.62
Pension & Post-Retirement Benefits	221.2	222.01	212.41	203.42	231.76	232.21
Long-Term Deferred Tax Liabilities	29.56	30.92	29.36	29.2	35.61	33.83
Other Long-Term Liabilities	1,803	732.81	960.42	397.37	452.33	370.75
Total Liabilities	51,544	52,472	53,912	54,467	51,641	46,712
Common Stock	1,360	1,360	1,360	1,360	1,360	1,360
Additional Paid-In Capital	79.04	78.93	78.95	78.98	79.01	79.01
Retained Earnings	173.31	2,699	2,376	2,006	1,788	1,520
Treasury Stock	-25.03	-25.22	-25.42	-25.4	-25.46	-25.39
Comprehensive Income & Other	2,735	43.36	19.67	-32.19	68.33	63.73
Total Common Equity	4,323	4,156	3,809	3,387	3,270	2,998
Minority Interest	0.01	0.01	0.01	0	104.58	98.1
Shareholders' Equity	4,323	4,156	3,809	3,387	3,375	3,096
Total Liabilities & Equity	55,866	56,629	57,722	57,854	55,016	49,808
Total Debt	10,804	11,257	15,294	15,570	13,413	11,610
Net Cash (Debt)	-8,622	-6,703	-9,976	-8,395	-7,323	-5,566
Net Cash Per Share	-19.23	-14.91	-22.18	-	-	-12.38
Filing Date Shares Outstanding	444.38	449.79	449.71	-	-	449.71
Total Common Shares Outstanding	444.38	449.79	449.71	-	-	449.71
Book Value Per Share	9.73	9.24	8.47	-	-	6.67
Tangible Book Value	4,287	4,120	3,772	3,351	3,239	2,969
Tangible Book Value Per Share	9.65	9.16	8.39	-	-	6.60

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