BVB:BRD Balance Sheet

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

Millions RON. 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	12,080	3,562	3,206	14,093	6,301
Investment Securities	17,496	26,071	25,231	17,050	21,400
Trading Asset Securities	2,515	1,176	1,306	1,591	853.02
Total Investments	20,011	27,247	26,537	18,642	22,253
Gross Loans	56,130	51,807	43,691	39,676	36,063
Allowance for Loan Losses	-	-1,890	-1,784	-1,859	-1,844
Other Adjustments to Gross Loans	-	-188.29	-168.97	-121.16	-82.66
Net Loans	56,130	49,729	41,739	37,696	34,136
Property, Plant & Equipment	1,061	1,110	1,074	1,064	1,072
Goodwill	50.13	50.13	50.13	50.13	50.13
Other Intangible Assets	690.45	610.74	505.96	407.49	321.06
Investments in Real Estate	5.25	10.1	14.54	15.5	16.31
Other Receivables	6,692	545.21	780.55	1,199	4,594
Restricted Cash	-	5,096	9,256	-	-
Other Current Assets	1.73	194.86	353.75	161.87	130.05
Long-Term Deferred Tax Assets	230.61	307.93	309.09	496.03	180.09
Other Real Estate Owned & Foreclosed	-	9.29	3.75	4.54	3.24
Other Long-Term Assets	1,092	7.65	19.2	12.6	5.45
Total Assets	98,044	88,480	83,849	73,842	69,063
Accrued Expenses	-	-	-	205.28	164.36
Interest Bearing Deposits	75,045	68,852	63,092	57,011	52,840
Total Deposits	75,045	68,852	63,092	57,011	52,840
Short-Term Borrowings	977.45	773.09	796.27	789.42	94.31
Current Portion of Long-Term Debt	-	3,846	3,524	3,061	800.51
Current Income Taxes Payable	11.89	3.22	36.18	5.6	83.96
Other Current Liabilities	-	609.4	1,832	1,213	609.93
Long-Term Debt	9,957	3,954	4,726	3,804	3,751
Long-Term Leases	-	329.31	308.75	339.75	392.28
Long-Term Unearned Revenue	-	-	-	40.77	32.81
Pension & Post-Retirement Benefits	-	-	-	19.58	31.68
Other Long-Term Liabilities	1,476	661.13	671.95	393.45	383.19
Total Liabilities	87,468	79,028	74,987	66,882	59,184
Common Stock	2,516	2,516	2,516	2,516	2,516
Retained Earnings	8,398	7,580	6,871	6,439	7,691
Comprehensive Income & Other	-337.53	-693.47	-592.32	-2,054	-385.38
Total Common Equity	10,576	9,402	8,794	6,901	9,821
Minority Interest	-	49.81	67.67	58.81	57.71
Shareholders' Equity	10,576	9,451	8,862	6,960	9,879
Total Liabilities & Equity	98,044	88,480	83,849	73,842	69,063
Total Debt	10,935	8,903	9,355	7,993	5,038
Net Cash (Debt)	3,661	2,551	652.55	8,443	3,538
Net Cash Growth	43.49%	290.98%	-92.27%	138.63%	-52.84%
Net Cash Per Share	5.25	3.66	0.94	12.12	5.08
Filing Date Shares Outstanding	696.9	696.9	696.9	696.9	696.9
Total Common Shares Outstanding	696.9	696.9	696.9	696.9	696.9
Book Value Per Share	15.18	13.49	12.62	9.90	14.09
Tangible Book Value	9,836	8,741	8,238	6,443	9,450
Tangible Book Value Per Share	14.11	12.54	11.82	9.25	13.56

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