Banca Sistema S.p.A. (BIT:BST)

Banca Sistema 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	165.71	93.44	250.5	126.59	175.84	68.86
Investment Securities	1,037	1,148	577	574.35	452.26	440.64
Trading Asset Securities	3.08	3.56	3.65	-	-	-
Total Investments	1,040	1,152	580.65	574.35	452.26	440.64
Gross Loans	2,830	2,915	3,468	3,566	3,002	3,105
Allowance for Loan Losses	-67.14	-65.15	-71.64	-68.21	-66.34	-53.34
Net Loans	2,763	2,850	3,396	3,498	2,936	3,052
Property, Plant & Equipment	53.74	53.43	40.66	43.37	40.78	32.61
Goodwill	45.08	45.08	33.53	33.53	32.36	32.36
Other Intangible Assets	3.63	2.16	1.92	0.99	0.77	0.37
Other Receivables	10.86	438.24	225.35	59.24	18.7	1.55
Restricted Cash	-	22.87	-	16.31	18.32	15.21
Other Current Assets	-	20.66	16.54	13.94	12.05	11.7
Long-Term Deferred Tax Assets	11.02	11.66	18.07	22.73	12.03	10.25
Other Long-Term Assets	422.31	11.38	6.23	5.67	8.86	5.71
Total Assets	4,515	4,703	4,572	4,397	3,709	3,671
Accounts Payable	-	9.07	8.62	7.48	9.84	6.2
Accrued Expenses	-	35.81	38.53	36.23	31.81	27.26
Interest Bearing Deposits	2,675	2,633	2,408	1,438	1,389	1,224
Non-Interest Bearing Deposits	302.64	306.09	760.83	708.17	818.91	760.55
Total Deposits	2,978	2,940	3,168	2,147	2,208	1,984
Short-Term Borrowings	653.15	823.56	3.65	865.88	249.26	235.23
Current Income Taxes Payable	4.16	1.66	0.46	0.24	0.04	2
Other Current Liabilities	-	-	0.04	0.01	0.02	7.48
Long-Term Debt	292.82	350.07	873.71	904.54	800.3	1,055
Long-Term Leases	-	3.71	4.12	5.78	3.66	3.98
Pension & Post-Retirement Benefits	5.24	5.22	4.71	4.11	-	-
Long-Term Deferred Tax Liabilities	31.52	30.15	24.36	16.79	14.94	14.91
Other Long-Term Liabilities	221.58	189.46	168.47	153.9	125.65	119.83
Total Liabilities	4,186	4,388	4,295	4,142	3,443	3,456
Common Stock	9.65	9.65	9.65	9.65	9.65	9.65
Additional Paid-In Capital	39.1	39.1	39.1	39.1	39.1	39.1
Retained Earnings	215.5	201.74	183.87	175.37	162.11	146.95
Treasury Stock	-0.1	-0.1	-0.36	-0.56	-	-0.23
Comprehensive Income & Other	49.9	49.71	34.45	22.31	45.1	10.72
Total Common Equity	314.05	300.1	266.72	245.87	255.96	206.19
Minority Interest	15.14	14.58	10.63	10.02	9.57	9.3
Shareholders' Equity	329.19	314.68	277.35	255.9	265.53	215.49
Total Liabilities & Equity	4,515	4,703	4,572	4,397	3,709	3,671
Total Debt	945.97	1,177	881.48	1,776	1,053	1,294
Net Cash (Debt)	-777.18	-1,080	-627.33	-1,635	-877.37	-1,216
Net Cash Per Share	-	-13.45	-7.82	-20.40	-10.91	-15.15
Filing Date Shares Outstanding	-	80.37	80.25	80.14	80.42	80.25
Total Common Shares Outstanding	-	80.37	80.25	80.14	80.42	80.25
Book Value Per Share	-	3.73	3.32	3.07	3.18	2.57
Tangible Book Value	265.35	252.87	231.27	211.36	222.84	173.46
Tangible Book Value Per Share	-	3.15	2.88	2.64	2.77	2.16

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