BVMF:BNBR3 Balance Sheet

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

Millions BRL. 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	2,772	142.42	119.93	129.22	136.17
Investment Securities	36,780	45,215	45,634	43,244	39,029
Trading Asset Securities	1,555	284.64	5.66	-	6.77
Total Investments	38,336	45,499	45,640	43,244	39,036
Gross Loans	20,155	16,694	12,805	13,116	15,545
Allowance for Loan Losses	-1,298	-588.56	-714.08	-679.8	-855.5
Net Loans	18,856	16,106	12,091	12,436	14,689
Property, Plant & Equipment	370.18	325.38	313.62	282.58	259.85
Other Intangible Assets	356.72	177.2	72.74	2.7	2.25
Investments in Real Estate	0.35	-	-	-	-
Accrued Interest Receivable	-	67.94	47.85	26.55	34.68
Other Receivables	1,037	-	-	-	-
Restricted Cash	1,023	994.73	808.85	802.92	749.12
Other Current Assets	1,297	1,883	1,599	2,003	949.36
Long-Term Deferred Tax Assets	3,732	3,232	3,489	3,437	3,154
Other Long-Term Assets	5,507	1,523	1,467	712.77	1,208
Total Assets	73,288	69,963	65,731	63,167	60,302
Accrued Expenses	1,639	435.07	292.92	550.68	465.9
Interest Bearing Deposits	11,324	13,394	12,156	12,802	10,429
Non-Interest Bearing Deposits	3,241	3,729	2,909	2,730	2,977
Total Deposits	14,565	17,123	15,065	15,532	13,406
Short-Term Borrowings	5,587	515.69	436.43	344.11	485.5
Current Portion of Long-Term Debt	-	5,940	3,687	2,742	2,999
Current Income Taxes Payable	2,416	1,410	1,307	1,431	1,241
Other Current Liabilities	2,734	4,443	5,915	4,628	3,706
Long-Term Debt	4,758	5,919	6,473	6,258	5,536
Long-Term Leases	2.61	-	-	-	-
Long-Term Unearned Revenue	143.6	-	-	-	173.6
Long-Term Deferred Tax Liabilities	-	443.26	436.59	337.67	383.66
Other Long-Term Liabilities	25,375	19,774	21,246	22,174	24,416
Total Liabilities	57,222	56,012	55,023	54,171	52,823
Common Stock	13,238	11,649	8,773	7,446	6,293
Retained Earnings	3,790	3,194	2,834	2,562	2,179
Comprehensive Income & Other	-961.72	-891.61	-897.86	-1,012	-993.74
Shareholders' Equity	16,066	13,951	10,709	8,996	7,479
Total Liabilities & Equity	73,288	69,963	65,731	63,167	60,302
Total Debt	10,348	12,374	10,596	9,344	9,021
Net Cash (Debt)	-5,200	-4,058	-1,966	-603.47	-2,350
Net Cash Per Share	-52.69	-41.11	-22.76	-6.99	-27.21
Filing Date Shares Outstanding	98.7	98.7	86.37	86.37	86.37
Total Common Shares Outstanding	98.7	98.7	86.37	86.37	86.37
Book Value Per Share	162.78	141.35	123.98	104.16	86.59
Tangible Book Value	15,709	13,774	10,636	8,993	7,477
Tangible Book Value Per Share	159.16	139.56	123.14	104.13	86.57

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.