Credito Emiliano S.p.A. (BIT: CE)

Credito Emiliano Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	2,964	6,327	3,358	230.95	236.76	156.02
Investment Securities	14,868	14,525	14,509	15,947	11,511	13,477
Trading Asset Securities	692.73	664.23	948.99	353.84	425.22	489.21
Total Investments	15,561	15,189	15,458	16,300	11,936	13,966
Gross Loans	40,950	44,008	43,656	41,416	34,940	30,587
Allowance for Loan Losses	-	-504.73	-500.26	-526.42	-565.21	-584.82
Net Loans	40,950	43,503	43,156	40,890	34,374	30,002
Property, Plant & Equipment	443.18	442	448.76	454.61	442.23	452.04
Goodwill	291.34	291.34	291.34	291.34	289.79	288.13
Other Intangible Assets	187.89	199.44	185.13	173.75	154.82	147.54
Investments in Real Estate	-	5	5.15	5.62	-	3.56
Accrued Interest Receivable	-	4.04	3.4	4.49	46.7	1.82
Other Receivables	1,673	945.56	851.75	518.15	8,678	404.03
Restricted Cash	-	375.12	280.69	7,721	-	1,673
Other Current Assets	-	62.85	29.76	71.69	67.91	59.9
Long-Term Deferred Tax Assets	403.21	444.14	541.29	228.9	205.55	220.04
Other Long-Term Assets	1,209	208.99	188.55	667.4	198.45	236.68
Total Assets	63,681	68,018	64,818	67,579	56,650	47,630
Accounts Payable	-	199.26	190.01	189.83	176.38	169.4
Accrued Expenses	-	401.23	297.75	271.31	182.85	190.92
Interest Bearing Deposits	38,210	5,484	1,621	5,211	4,289	4,270
Non-Interest Bearing Deposits	-	32,012	34,804	33,334	30,099	25,369
Total Deposits	38,210	37,497	36,425	38,545	34,388	29,640
Short-Term Borrowings	744.01	10,861	11,067	15,962	10,610	6,111
Current Portion of Leases	-	22.37	-	-	-	-
Current Income Taxes Payable	110.28	118.16	52	70.28	61.6	73.2
Other Current Liabilities	-	2.99	6.43	8.4	5.08	7.69
Long-Term Debt	8,678	5,169	4,077	3,039	2,738	3,464
Long-Term Leases	-	113.43	131.04	133.34	138.63	151.7
Long-Term Unearned Revenue	-	13.33	9.93	6.69	5.98	6.81
Pension & Post-Retirement Benefits	1.14	1.19	1.25	1.49	1.71	1.73
Long-Term Deferred Tax Liabilities	298.68	284.9	322.49	127.07	134.55	146.44
Other Long-Term Liabilities	11,477	9,463	8,878	5,765	5,074	4,784
Total Liabilities	59,519	64,147	61,458	64,119	53,516	44,746
Common Stock	341.32	341.32	341.32	341.32	332.39	332.39
Additional Paid-In Capital	321.8	321.8	321.8	321.8	283.05	283.05
Retained Earnings	3,594	3,329	2,878	2,727	2,404	2,201
Treasury Stock	-3.94	-6.67	-10.07	-4.03	-7.46	-9.58
Comprehensive Income & Other	-90.04	-115.27	-171.64	73.01	121.18	77.02
Total Common Equity	4,163	3,871	3,360	3,459	3,134	2,884
Minority Interest	0	0	0.16	0.65	0.45	0
Shareholders' Equity	4,163	3,871	3,360	3,460	3,134	2,884
Total Liabilities & Equity	63,681	68,018	64,818	67,579	56,650	47,630
Total Debt	9,422	16,166	15,275	19,134	13,487	9,726
Net Cash (Debt)	-5,765	-9,167	-10,968	-18,549	-12,825	-9,071
Net Cash Per Share	-	-26.96	-32.22	-55.34	-38.68	-27.40
Filing Date Shares Outstanding	-	334.65	331.25	340.47	330.81	330.36
Total Common Shares Outstanding	-	334.65	331.25	340.47	330.81	330.36
Book Value Per Share	-	11.57	10.14	10.16	9.47	8.73
Tangible Book Value	3,683	3,380	2,883	2,994	2,689	2,448
Tangible Book Value Per Share	-	10.10	8.70	8.79	8.13	7.41

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