Banca Sistema 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	Mar '26 Mar 31, 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	121.21	87.79	93.44	250.5	126.59	175.84
Investment Securities	1,264	1,187	1,148	577	574.35	452.26
Trading Asset Securities	0.63	3.77	3.56	3.65	-	-
Total Investments	1,264	1,191	1,152	580.65	574.35	452.26
Gross Loans	2,832	2,658	2,915	3,468	3,566	3,002
Allowance for Loan Losses	-67.18	-66.53	-65.18	-71.64	-68.21	-66.34
Net Loans	2,765	2,592	2,850	3,396	3,498	2,936
Property, Plant & Equipment	53.39	57.58	53.43	40.66	43.37	40.78
Goodwill	3.92	30.69	45.08	33.53	33.53	32.36
Other Intangible Assets	0.14	3.43	2.16	1.92	0.99	0.77
Other Receivables	0	316.29	438.24	225.35	59.24	18.7
Restricted Cash	-	19	22.87	-	16.31	18.32
Other Current Assets	206.79	20.45	13.26	16.54	13.94	12.05
Long-Term Deferred Tax Assets	15.49	13.06	11.66	18.07	22.73	12.03
Other Long-Term Assets	256.89	5.74	18.77	6.23	5.67	8.86
Total Assets	4,687	4,338	4,703	4,572	4,397	3,709
Accounts Payable	-	7.62	9.07	8.62	7.48	9.84
Accrued Expenses	-	42.68	35.81	38.53	36.23	31.81
Interest Bearing Deposits	2,404	2,288	2,633	2,408	1,438	1,389
Non-Interest Bearing Deposits	364.68	310.02	306.09	760.83	708.17	818.91
Total Deposits	2,768	2,598	2,940	3,168	2,147	2,208
Short-Term Borrowings	948.79	812.27	823.56	3.65	865.88	249.26
Current Income Taxes Payable	6.55	19.9	1.66	0.46	0.24	0.04
Other Current Liabilities	71.34	-	-	0.04	0.01	0.02
Long-Term Debt	327.46	311.95	350.07	873.71	904.54	800.3
Long-Term Leases	-	4.35	3.71	4.12	5.78	3.66
Pension & Post-Retirement Benefits	4.31	5.24	5.22	4.71	4.11	-
Long-Term Deferred Tax Liabilities	25.52	30.8	30.15	24.36	16.79	14.94
Other Long-Term Liabilities	189.32	153.38	189.46	168.47	153.9	125.65
Total Liabilities	4,342	3,986	4,388	4,295	4,142	3,443
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	231.19	230.09	201.74	183.87	175.37	162.11
Treasury Stock	-	-	-0.1	-0.36	-0.56	-
Comprehensive Income & Other	47.83	56.33	49.71	34.45	22.31	45.1
Total Common Equity	327.78	335.18	300.1	266.72	245.87	255.96
Minority Interest	17.93	17.16	14.58	10.63	10.02	9.57
Shareholders' Equity	345.7	352.34	314.68	277.35	255.9	265.53
Total Liabilities & Equity	4,687	4,338	4,703	4,572	4,397	3,709
Total Debt	1,276	1,129	1,177	881.48	1,776	1,053
Net Cash (Debt)	-1,154	-1,037	-1,080	-627.33	-1,635	-877.37
Net Cash Per Share	-	-12.90	-13.45	-7.82	-20.40	-10.91
Filing Date Shares Outstanding	-	80.37	80.37	80.25	80.14	80.42
Total Common Shares Outstanding	-	80.37	80.37	80.25	80.14	80.42
Book Value Per Share	-	4.17	3.73	3.32	3.07	3.18
Tangible Book Value	323.71	301.06	252.87	231.27	211.36	222.84
Tangible Book Value Per Share	-	3.75	3.15	2.88	2.64	2.77