BVMF:BILB34 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	58,837	15,838	14,667	12,442	12,795
Investment Securities	145,460	139,424	127,898	115,809	105,410
Trading Asset Securities	123,185	110,041	142,426	112,415	125,303
Total Investments	268,645	249,465	270,324	228,224	230,713
Gross Loans	507,810	445,962	407,978	383,940	346,883
Allowance for Loan Losses	-12,296	-11,611	-11,269	-11,237	-11,116
Net Loans	495,514	434,351	396,709	372,703	335,767
Property, Plant & Equipment	9,482	9,584	9,129	8,535	7,189
Goodwill	-	700	795	707	818
Other Intangible Assets	2,856	1,790	1,568	1,449	1,379
Investments in Real Estate	-	175	124	202	109
Accrued Interest Receivable	-	1,862	1,368	1,461	730
Other Receivables	-	4,295	2,860	1,978	932
Restricted Cash	-	35,307	60,749	67,314	55,004
Other Current Assets	-	1,517	555	633	916
Long-Term Deferred Tax Assets	-	14,354	14,641	14,747	14,917
Other Real Estate Owned & Foreclosed	-	610	644	714	569
Other Long-Term Assets	24,242	2,554	1,425	983	1,047
Total Assets	859,576	772,402	775,558	712,092	662,885
Accrued Expenses	-	3,067	2,878	2,596	2,137
Interest Bearing Deposits	195,816	129,010	117,531	122,084	106,677
Non-Interest Bearing Deposits	360,682	339,414	324,331	327,721	300,624
Total Deposits	556,498	468,424	441,862	449,805	407,301
Short-Term Borrowings	-	64,792	68,360	51,769	44,785
Current Portion of Leases	-	175	-	-	-
Current Income Taxes Payable	-	575	878	1,415	644
Other Current Liabilities	91,917	59,088	93,801	62,926	63,316
Long-Term Debt	81,842	74,464	72,684	58,717	59,159
Long-Term Leases	-	1,292	1,507	1,398	2,560
Pension & Post-Retirement Benefits	-	2,732	3,006	3,098	4,208
Long-Term Deferred Tax Liabilities	-	2,458	1,677	1,520	1,769
Other Long-Term Liabilities	67,521	35,322	33,640	28,330	28,246
Total Liabilities	797,778	712,389	720,293	661,574	614,125
Common Stock	76,228	2,824	2,861	2,955	3,267
Additional Paid-In Capital	-	19,184	19,769	20,856	23,599
Retained Earnings	-	49,079	43,305	38,347	35,962
Treasury Stock	-	-66	-34	-29	-647
Comprehensive Income & Other	-18,871	-15,367	-14,200	-15,234	-18,274
Total Common Equity	57,357	55,654	51,701	46,895	43,907
Minority Interest	4,441	4,359	3,564	3,623	4,853
Shareholders' Equity	61,798	60,013	55,265	50,518	48,760
Total Liabilities & Equity	859,576	772,402	775,558	712,092	662,885
Total Debt	81,842	140,723	142,551	111,884	106,504
Net Cash (Debt)	100,180	-5,425	20,420	18,326	34,405
Net Cash Growth	-	-	11.43%	-46.73%	242.24%
Net Cash Per Share	17.43	-0.94	3.43	2.96	5.37
Filing Date Shares Outstanding	5,692	5,757	5,834	6,025	6,540
Total Common Shares Outstanding	5,692	5,757	5,834	6,025	6,540
Book Value Per Share	10.08	9.67	8.86	7.78	6.71
Tangible Book Value	54,501	53,164	49,338	44,739	41,710
Tangible Book Value Per Share	9.58	9.24	8.46	7.43	6.38

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