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

Banca Sistema Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	77.47	87.79	93.44	250.5	126.59	175.84
Investment Securities	1,106	1,187	1,148	577	574.35	452.26
Trading Asset Securities	1.34	3.77	3.56	3.65	-	-
Total Investments	1,107	1,191	1,152	580.65	574.35	452.26
Gross Loans	2,784	2,658	2,915	3,468	3,566	3,002
Allowance for Loan Losses	-79.99	-66.53	-65.18	-71.64	-68.21	-66.34
Net Loans	2,704	2,592	2,850	3,396	3,498	2,936
Property, Plant & Equipment	53.25	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	0.13	3.43	2.16	1.92	0.99	0.77
Other Receivables	185.06	316.29	438.24	225.35	59.24	18.7
Restricted Cash	18.99	19	22.87	-	16.31	18.32
Other Current Assets	15.23	20.45	13.26	16.54	13.94	12.05
Long-Term Deferred Tax Assets	12.47	13.06	11.66	18.07	22.73	12.03
Other Long-Term Assets	11.04	5.74	18.77	6.23	5.67	8.86
Total Assets	4,189	4,338	4,703	4,572	4,397	3,709

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	5.58	7.62	9.07	8.62	7.48	9.84
Accrued Expenses	31	42.68	35.81	38.53	36.23	31.81
Interest Bearing Deposits	2,504	2,288	2,633	2,408	1,438	1,389
Non-Interest Bearing Deposits	285.8	310.02	306.09	760.83	708.17	818.91
Total Deposits	2,790	2,598	2,940	3,168	2,147	2,208
Short-Term Borrowings	263.15	812.27	823.56	3.65	865.88	249.26
Current Income Taxes Payable	-	19.9	1.66	0.46	0.24	0.04
Other Current Liabilities	0.12	-	-	0.04	0.01	0.02
Long-Term Debt	604.94	311.95	350.07	873.71	904.54	800.3
Long-Term Leases	0.9	4.35	3.71	4.12	5.78	3.66
Pension & Post-Retirement Benefits	4.05	5.24	5.22	4.71	4.11	-
Long-Term Deferred Tax Liabilities	23.94	30.8	30.15	24.36	16.79	14.94
Other Long-Term Liabilities	133.07	153.38	189.46	168.47	153.9	125.65
Total Liabilities	3,856	3,986	4,388	4,295	4,142	3,443

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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	230.45	230.09	201.74	183.87	175.37	162.11
Treasury Stock	-	-	-0.1	-0.36	-0.56	-
Comprehensive Income & Other	53.43	56.33	49.71	34.45	22.31	45.1
Total Common Equity	332.63	335.18	300.1	266.72	245.87	255.96
Minority Interest	0.03	17.16	14.58	10.63	10.02	9.57
Shareholders' Equity	332.66	352.34	314.68	277.35	255.9	265.53
Total Liabilities & Equity	4,189	4,338	4,703	4,572	4,397	3,709

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	868.99	1,129	1,177	881.48	1,776	1,053
Net Cash (Debt)	-790.19	-1,037	-1,080	-627.33	-1,635	-877.37
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-9.83	-12.90	-13.45	-7.82	-20.40	-10.91
Filing Date Shares Outstanding	80.42	80.37	80.37	80.25	80.14	80.42
Total Common Shares Outstanding	80.42	80.37	80.37	80.25	80.14	80.42
Book Value Per Share	3.57	4.17	3.73	3.32	3.07	3.18
Tangible Book Value	328.57	301.06	252.87	231.27	211.36	222.84
Tangible Book Value Per Share	3.52	3.75	3.15	2.88	2.64	2.77

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 2, 2026

Data Sources Report a data error