Credito Emiliano 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	1,319	1,403	4,208	6,327	3,358	230.95
Investment Securities	16,592	18,028	15,830	14,525	14,509	15,947
Trading Asset Securities	272	288.58	573.42	664.23	948.99	353.84
Total Investments	16,864	18,316	16,403	15,189	15,458	16,300
Gross Loans	44,198	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	44,198	45,347	44,285	43,503	43,156	40,890
Property, Plant & Equipment	456.1	442.53	438.76	442	448.76	454.61
Goodwill	-	291.34	291.34	291.34	291.34	291.34
Other Intangible Assets	510.93	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	2,061	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	451.69	389.85	403.09	444.14	541.29	228.9
Other Long-Term Assets	1,200	192.87	245.09	210.32	188.55	667.4
Total Assets	67,061	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	40,569	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	40,569	45,621	43,441	41,382	36,425	38,545
Short-Term Borrowings	252.94	4,841	8,046	10,861	11,067	15,962
Current Income Taxes Payable	57.65	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	8,131	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	0.96	1.01	1.09	1.19	1.25	1.49
Long-Term Deferred Tax Liabilities	362.15	307.74	291	284.9	322.49	127.07
Other Long-Term Liabilities	13,159	6,821	6,027	5,578	8,878	5,765
Total Liabilities	62,532	63,463	63,676	64,147	61,458	64,119
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	3,955	4,071	3,729	3,329	2,878	2,727
Treasury Stock	-19.81	-20.01	-3.85	-6.67	-10.07	-4.03
Comprehensive Income & Other	-70.49	-51.08	-95.76	-115.27	-171.64	73.01
Total Common Equity	4,528	4,663	4,293	3,871	3,360	3,459
Minority Interest	0.13	0	0	0	0.16	0.65
Shareholders' Equity	4,528	4,663	4,293	3,871	3,360	3,460
Total Liabilities & Equity	67,061	68,126	67,969	68,018	64,818	67,579
Total Debt	8,384	10,031	13,183	16,166	15,275	19,134
Net Cash (Debt)	-6,792	-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	4,017	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.