BUD:GRANIT Balance Sheet

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

Millions HUF. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	387,639	625,709	465,517	55,693	15,642	21,288
Investment Securities	543,764	446,633	331,966	328,916	236,767	164,262
Trading Asset Securities	38,367	21,036	16,245	47,236	35,751	1,859
Total Investments	582,131	467,669	348,211	376,152	272,518	166,121
Gross Loans	583,304	467,615	348,667	308,600	225,579	193,107
Allowance for Loan Losses	-2,224	-1,888	-1,172	-701	-394	-292
Other Adjustments to Gross Loans	-83	-107	-75	-130	-148	-
Net Loans	580,997	465,620	347,420	307,769	225,037	192,815
Property, Plant & Equipment	4,283	3,755	3,216	2,924	815	874
Goodwill	6,785	6,785	6,200	971	-	-
Other Intangible Assets	13,681	11,710	8,254	4,701	2,155	1,378
Accrued Interest Receivable	-	160	581	-	-	-
Other Receivables	43,071	46,238	105,094	281,087	165,989	186,724
Restricted Cash	38,933	32,969	22,009	27,597	-	-
Other Current Assets	-	1,764	150	19	7	49
Long-Term Deferred Tax Assets	84	168	134	142	32	48
Other Long-Term Assets	21,053	8,650	5,383	5,575	1,603	1,044
Total Assets	1,678,657	1,672,730	1,312,714	1,062,856	683,931	570,429
Accounts Payable	-	1,112	319	277	153	148
Accrued Expenses	-	340	491	2,558	597	691
Interest Bearing Deposits	895,738	812,776	594,644	419,600	152,812	126,618
Non-Interest Bearing Deposits	388,893	394,671	362,633	322,862	248,576	220,484
Total Deposits	1,284,631	1,207,447	957,277	742,462	401,388	347,102
Short-Term Borrowings	6,819	6,847	9,037	9,213	1,019	828
Current Income Taxes Payable	36	625	1,509	1,580	422	81
Other Current Liabilities	-	242	528	196	1,646	-
Long-Term Debt	176,137	245,912	186,132	160,951	165,790	134,167
Long-Term Leases	-	1,877	1,150	1,992	231	231
Long-Term Unearned Revenue	-	115	99	131	144	245
Long-Term Deferred Tax Liabilities	257	228	323	115	-	-
Other Long-Term Liabilities	57,266	59,910	74,329	84,281	85,865	66,285
Total Liabilities	1,525,146	1,524,655	1,231,194	1,003,756	657,255	549,778
Common Stock	19,223	19,223	15,395	15,395	11,247	11,247
Retained Earnings	64,591	57,822	38,847	18,528	7,130	3,226
Treasury Stock	-	-	-	-19,707	-3,040	-2,911
Comprehensive Income & Other	66,897	67,228	23,782	22,609	8,329	9,089
Total Common Equity	150,711	144,273	78,024	36,825	23,666	20,651
Minority Interest	2,800	3,802	3,496	22,275	3,010	-
Shareholders' Equity	153,511	148,075	81,520	59,100	26,676	20,651
Total Liabilities & Equity	1,678,657	1,672,730	1,312,714	1,062,856	683,931	570,429
Total Debt	182,956	254,636	196,319	172,156	167,040	135,226
Net Cash (Debt)	243,050	392,109	285,443	-69,227	-115,647	-112,079
Net Cash Growth	-47.74%	37.37%	-	-	-	-
Net Cash Per Share	13747.17	24870.54	18541.28	-	-10335.17	-9981.06
Filing Date Shares Outstanding	19.22	19.22	15.39	-	11.19	10.12
Total Common Shares Outstanding	19.22	19.22	15.39	-	11.19	10.12
Book Value Per Share	7840.11	7505.20	5068.16	-	2114.99	2041.51
Tangible Book Value	130,245	125,778	63,570	31,153	21,511	19,273
Tangible Book Value Per Share	6775.45	6543.07	4129.28	-	1922.40	1905.28

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