UniCredit 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	Sep '26 Sep 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	39,400	38,455	41,442	61,111	111,899	107,533
Investment Securities	247,000	207,079	156,246	136,338	123,623	136,617
Trading Asset Securities	75,100	61,454	56,104	56,759	61,529	86,692
Total Investments	322,100	268,533	212,350	193,097	185,152	223,309
Gross Loans	516,600	519,587	495,535	497,220	517,960	514,326
Allowance for Loan Losses	-	-8,740	-9,269	-10,351	-11,886	-13,949
Net Loans	516,600	510,847	486,266	486,869	506,074	500,377
Property, Plant & Equipment	8,600	6,957	6,988	7,224	7,781	7,976
Goodwill	800	843	38	-	-	-
Other Intangible Assets	2,100	2,097	2,191	2,272	2,354	2,234
Investments in Real Estate	-	1,470	1,363	864	901	986
Accrued Interest Receivable	-	1,097	1,024	848	863	722
Other Receivables	9,500	9,266	8,910	7,921	5,027	4,062
Restricted Cash	-	10,178	8,288	7,809	19,415	50,948
Other Current Assets	400	640	647	487	628	2,527
Long-Term Deferred Tax Assets	-	8,669	9,588	10,749	11,849	11,726
Other Real Estate Owned & Foreclosed	-	384	443	540	810	548
Other Long-Term Assets	18,800	10,802	4,466	5,183	5,020	4,279
Total Assets	918,300	870,238	784,004	784,974	857,773	917,227

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	-	976	915	990	1,275	1,282
Accrued Expenses	-	6,406	6,279	5,946	5,439	6,683
Interest Bearing Deposits	610,600	129,931	119,601	128,047	175,944	176,640
Non-Interest Bearing Deposits	-	397,056	378,552	381,312	414,584	431,010
Total Deposits	610,600	526,987	498,153	509,359	590,528	607,650
Short-Term Borrowings	33,200	77,284	69,532	55,603	54,361	80,563
Current Portion of Leases	-	385	326	360	353	378
Current Income Taxes Payable	2,800	2,197	1,456	1,191	1,142	627
Accrued Interest Payable	-	206	231	228	209	73
Other Current Liabilities	-	7,174	7,584	11,822	12,113	15,811
Long-Term Debt	105,600	128,654	121,209	120,785	113,580	123,810
Long-Term Leases	-	873	1,156	1,344	1,495	1,684
Pension & Post-Retirement Benefits	-	2,991	3,487	3,418	3,330	5,262
Long-Term Deferred Tax Liabilities	-	626	252	292	564	596
Other Long-Term Liabilities	91,500	47,370	10,583	9,393	9,887	10,158
Total Liabilities	843,700	802,129	721,163	720,731	794,276	854,577

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	64,800	21,454	21,368	21,278	21,220	21,133
Additional Paid-In Capital	-	23	23	23	2,516	5,446
Retained Earnings	9,400	38,183	35,075	34,971	30,180	25,010
Treasury Stock	-	-2,934	-	-1,727	-	-200
Comprehensive Income & Other	-	10,985	5,975	9,534	9,423	10,796
Total Common Equity	74,200	67,711	62,441	64,079	63,339	62,185
Minority Interest	400	398	400	164	158	465
Shareholders' Equity	74,600	68,109	62,841	64,243	63,497	62,650
Total Liabilities & Equity	918,300	870,238	784,004	784,974	857,773	917,227

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	138,800	207,196	192,223	178,092	169,789	206,435
Net Cash (Debt)	-24,300	-57,686	-41,706	-11,003	49,944	33,007
Net Cash Growth	-	-	-	-	51.31%	71.12%
Net Cash Per Share	-16.06	-37.24	-25.45	-5.95	23.91	14.76
Filing Date Shares Outstanding	1,498	1,503	1,542	1,712	1,935	2,211
Total Common Shares Outstanding	1,498	1,503	1,542	1,712	1,935	2,211
Book Value Per Share	49.52	45.05	40.50	37.42	32.73	28.12
Tangible Book Value	71,300	64,771	60,212	61,807	60,985	59,951
Tangible Book Value Per Share	47.59	43.09	39.05	36.09	31.51	27.11