Credito Emiliano Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	1,403	4,208	6,327	3,358	230.95
Investment Securities	18,028	15,830	14,525	14,509	15,947
Trading Asset Securities	288.58	573.42	664.23	948.99	353.84
Total Investments	18,316	16,403	15,189	15,458	16,300
Gross Loans	45,804	44,775	44,010	43,656	41,416
Allowance for Loan Losses	-456.15	-490.44	-507.14	-500.26	-526.42
Net Loans	45,347	44,285	43,503	43,156	40,890
Property, Plant & Equipment	442.53	438.76	442	448.76	454.61
Goodwill	291.34	291.34	291.34	291.34	291.34
Other Intangible Assets	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	1,027	1,020	945.56	851.75	518.15
Restricted Cash	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	389.85	403.09	444.14	541.29	228.9
Other Long-Term Assets	192.87	245.09	210.32	188.55	667.4
Total Assets	68,126	67,969	68,018	64,818	67,579
Accounts Payable	198.88	211.71	199.26	190.01	189.83
Accrued Expenses	444.9	464.4	401.23	297.75	271.31
Interest Bearing Deposits	10,668	10,521	9,369	1,621	5,211
Non-Interest Bearing Deposits	34,954	32,920	32,012	34,804	33,334
Total Deposits	45,621	43,441	41,382	36,425	38,545
Short-Term Borrowings	4,841	8,046	10,861	11,067	15,962
Current Income Taxes Payable	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	5,062	5,005	5,169	4,077	3,039
Long-Term Leases	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	1.01	1.09	1.19	1.25	1.49
Long-Term Deferred Tax Liabilities	307.74	291	284.9	322.49	127.07
Other Long-Term Liabilities	6,821	6,027	5,578	8,878	5,765
Total Liabilities	63,463	63,676	64,147	61,458	64,119
Common Stock	341.32	341.32	341.32	341.32	341.32
Additional Paid-In Capital	321.8	321.8	321.8	321.8	321.8
Retained Earnings	4,071	3,729	3,329	2,878	2,727
Treasury Stock	-20.01	-3.85	-6.67	-10.07	-4.03
Comprehensive Income & Other	-51.08	-95.76	-115.27	-171.64	73.01
Total Common Equity	4,663	4,293	3,871	3,360	3,459
Minority Interest	0	0	0	0.16	0.65
Shareholders' Equity	4,663	4,293	3,871	3,360	3,460
Total Liabilities & Equity	68,126	67,969	68,018	64,818	67,579
Total Debt	10,031	13,183	16,166	15,275	19,134
Net Cash (Debt)	-6,992	-8,401	-9,167	-10,968	-18,549
Net Cash Per Share	-20.54	-24.67	-26.96	-32.22	-55.34
Filing Date Shares Outstanding	339.64	340.63	334.65	331.25	340.47
Total Common Shares Outstanding	339.64	340.63	334.65	331.25	340.47
Book Value Per Share	13.73	12.60	11.57	10.14	10.16
Tangible Book Value	4,147	3,792	3,380	2,883	2,994
Tangible Book Value Per Share	12.21	11.13	10.10	8.70	8.79

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