Credito Emiliano S.p.A. (BIT:CE)
Italy · Delayed Price · Currency is EUR 20.68
+0.22 (1.08%)
Sep 3, 2026, 5:35 PM CET
Credito Emiliano Balance Sheet
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 | 827.56 | 1,403 | 4,208 | 6,327 | 3,358 | 230.95 |
Investment Securities | 19,554 | 18,028 | 15,830 | 14,525 | 14,509 | 15,947 |
Trading Asset Securities | 192.6 | 288.58 | 573.42 | 664.23 | 948.99 | 353.84 |
Total Investments | 19,747 | 18,316 | 16,403 | 15,189 | 15,458 | 16,300 |
Gross Loans | 45,249 | 45,804 | 44,775 | 44,010 | 43,656 | 41,416 |
Allowance for Loan Losses | -419.74 | -456.15 | -490.44 | -507.14 | -500.26 | -526.42 |
Net Loans | 44,829 | 45,347 | 44,285 | 43,503 | 43,156 | 40,890 |
Property, Plant & Equipment | 445.72 | 442.53 | 438.76 | 442 | 448.76 | 454.61 |
Goodwill | 295.1 | 291.34 | 291.34 | 291.34 | 291.34 | 291.34 |
Other Intangible Assets | 214.2 | 224.22 | 209.31 | 199.44 | 185.13 | 173.75 |
Investments in Real Estate | - | 4.62 | 4.77 | 5 | 5.15 | 5.62 |
Accrued Interest Receivable | - | 12.34 | 5.85 | 4.04 | 3.4 | 4.49 |
Other Receivables | 14.09 | 1,027 | 1,020 | 945.56 | 851.75 | 518.15 |
Restricted Cash | 456.05 | 397.76 | 387.9 | 375.12 | 280.69 | 7,721 |
Other Current Assets | - | 54.9 | 46.57 | 61.52 | 29.76 | 71.69 |
Long-Term Deferred Tax Assets | 380.5 | 389.85 | 403.09 | 444.14 | 541.29 | 228.9 |
Other Long-Term Assets | 1,158 | 192.87 | 245.09 | 210.32 | 188.55 | 667.4 |
Total Assets | 68,368 | 68,126 | 67,969 | 68,018 | 64,818 | 67,579 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Accounts Payable | - | 198.88 | 211.71 | 199.26 | 190.01 | 189.83 |
Accrued Expenses | 82.6 | 444.9 | 464.4 | 401.23 | 297.75 | 271.31 |
Interest Bearing Deposits | 9,154 | 10,668 | 10,521 | 9,369 | 1,621 | 5,211 |
Non-Interest Bearing Deposits | 34,872 | 34,954 | 32,920 | 32,012 | 34,804 | 33,334 |
Total Deposits | 44,026 | 45,621 | 43,441 | 41,382 | 36,425 | 38,545 |
Short-Term Borrowings | 3,506 | 4,841 | 8,046 | 10,861 | 11,067 | 15,962 |
Current Income Taxes Payable | 30.18 | 21.11 | 42.33 | 118.16 | 52 | 70.28 |
Other Current Liabilities | - | 4.07 | 3.26 | 2.99 | 6.43 | 8.4 |
Long-Term Debt | 5,217 | 5,062 | 5,005 | 5,169 | 4,077 | 3,039 |
Long-Term Leases | 132 | 128.4 | 131.57 | 135.81 | 131.04 | 133.34 |
Long-Term Unearned Revenue | - | 12.11 | 11.54 | 13.33 | 9.93 | 6.69 |
Pension & Post-Retirement Benefits | 0.94 | 1.01 | 1.09 | 1.19 | 1.25 | 1.49 |
Long-Term Deferred Tax Liabilities | 328.37 | 307.74 | 291 | 284.9 | 322.49 | 127.07 |
Other Long-Term Liabilities | 10,321 | 6,821 | 6,027 | 5,578 | 8,878 | 5,765 |
Total Liabilities | 63,644 | 63,463 | 63,676 | 64,147 | 61,458 | 64,119 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Common Stock | 341.32 | 341.32 | 341.32 | 341.32 | 341.32 | 341.32 |
Additional Paid-In Capital | 321.8 | 321.8 | 321.8 | 321.8 | 321.8 | 321.8 |
Retained Earnings | 4,125 | 4,071 | 3,729 | 3,329 | 2,878 | 2,727 |
Treasury Stock | -14.74 | -20.01 | -3.85 | -6.67 | -10.07 | -4.03 |
Comprehensive Income & Other | -50.71 | -51.08 | -95.76 | -115.27 | -171.64 | 73.01 |
Total Common Equity | 4,723 | 4,663 | 4,293 | 3,871 | 3,360 | 3,459 |
Minority Interest | 0.14 | 0 | 0 | 0 | 0.16 | 0.65 |
Shareholders' Equity | 4,723 | 4,663 | 4,293 | 3,871 | 3,360 | 3,460 |
Total Liabilities & Equity | 68,368 | 68,126 | 67,969 | 68,018 | 64,818 | 67,579 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Total Debt | 8,855 | 10,031 | 13,183 | 16,166 | 15,275 | 19,134 |
Net Cash (Debt) | -6,081 | -6,992 | -8,401 | -9,167 | -10,968 | -18,549 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -17.89 | -20.54 | -24.67 | -26.96 | -32.22 | -55.34 |
Filing Date Shares Outstanding | 340.08 | 339.64 | 340.63 | 334.65 | 331.25 | 340.47 |
Total Common Shares Outstanding | 340.08 | 339.64 | 340.63 | 334.65 | 331.25 | 340.47 |
Book Value Per Share | 13.89 | 13.73 | 12.60 | 11.57 | 10.14 | 10.16 |
Tangible Book Value | 4,214 | 4,147 | 3,792 | 3,380 | 2,883 | 2,994 |
Tangible Book Value Per Share | 12.39 | 12.21 | 11.13 | 10.10 | 8.70 | 8.79 |